Updated September 29, 2026 · SumCue Editorial Team

Top balance transfer cards compared in the United States

15 providers available in the United States, ranked for the United States.

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score. How we rank

Top balance transfer cards compared in the United States
OrderProviderScoreFeaturesKey factsActions
1
Discover logo
DiscoverTop pickPartner

5% cash back with the Discover it Cash Back Credit Card: 5% cash back on up to $1,500 in purchases at gas stations, transportation and drug stores, now-Sept. 30

9.5/10
  • No annual fee
  • Rewards
Annual fee:
$0
APR:
18.49% to 28.49%
Rewards type:
Cashback
ReviewCompareSee alternatives
2
U.S. Bank logo
U.S. BankPartner

U.S. Bank Cash+ Visa Signature Card one-time cash back bonus (increased from $150 to $200)

9.4/10
  • No annual fee
  • Rewards
  • Business
Annual fee:
$0
APR:
0%
Rewards type:
Cashback
ReviewCompareSee alternatives
3
Wells Fargo logo
Wells FargoPartner

Active Cash Card $100 cash rewards bonus

9.3/10
  • No annual fee
  • Rewards
Annual fee:
$0
APR:
18.74% to 28.74%
Currency conversion fee:
3%
ReviewCompareSee alternatives
4
Emirates logo
EmiratesPartner

Emirates Skywards Silver tier status for the first year with the Rewards World Elite Mastercard: Emirates Skywards Silver tier status for 12 months from card account open date

9.1/10
  • Rewards
Annual fee:
$99
APR:
19.49% to 29.49%
Currency conversion fee:
0%
ReviewCompareSee alternatives
5
Kogan.com logo
Kogan.comPartner
9.1/10
  • No annual fee
  • Rewards
Annual fee:
A$0
APR:
21.99%
Currency conversion fee:
3.4%
ReviewCompareSee alternatives
6
Capital One logo
Capital OnePartner
9.1/10
  • No annual fee
  • Rewards
Annual fee:
$0
APR:
34.9%
Currency conversion fee:
0%
ReviewCompareSee alternatives
7
Hawaiian AirlinesPartner

Up to 70,000 bonus Atmos Rewards points on the Hawaiian Airlines Bank of Hawaii World Elite Mastercard: 60,000 points after $1,000 spend in the first 90 days plus 10,000 points after $2,000 total spend in the first 180 days

9.0/10
  • Rewards
Annual fee:
$99
Rewards type:
Points
Rewards rate:
3x Atmos Rewards points on eligible Hawaiian Airlines and Alaska Airlines purchases, 2x on gas, dining and grocery store purchases, 1x on all other purchases
ReviewCompareSee alternatives
8
Chase Slate® logo
Chase Slate®Partner

Chase Freedom Unlimited welcome bonus: USD 200

8.9/10
  • No annual fee
  • Rewards
Annual fee:
$0
APR:
18.24% to 27.74%
Currency conversion fee:
3%
ReviewCompareSee alternatives

Licensed in the United States

Discover
Federal Deposit Insurance Corporation (FDIC)
U.S. Bank
FDIC
Wells Fargo
FDIC
Capital One
FDIC
Hawaiian Airlines
FDIC
U.S. Bank
FDIC
Truist Financial
FDIC
Wells Fargo
FDIC
PNC Bank
FDIC

Other rankings

Browse by category

Other countries

Discover

Discover

Top pick for the United States

9.5/10See alternatives