Best Balance Transfer Credit Cards in 2022 and Beyond

What are the best balance transfer credit cards in 2022? No doubt, a Balance transfer credit Card can help you pay off your credit debt with ease. Also, it can help you save up while paying down your balance quickly.

Best Balance Transfer Credit Cards in 2022 and Beyond
Best Balance Transfer Credit Cards in 2022 and Beyond

That’s because debt transfer credit cards let you pay 100% of the principal balance each month rather than the amount plus interest during the introductory APR period.

So if you have a high credit debt to pay off, you can apply for a Balance Transfer credit card. Although, shopping for the best Balance Transfer credit cards can be time-consuming and even daunting, especially for novices.

This is because there are different balance transfer credit cards online. Plus, the benefits and perks they offer differ. You will need a balance transfer credit card that meets or suits your needs.

But not to worry, we’ve compiled the best balance transfer credit cards to shop for in 2022 and beyond. Therefore, read through this article till the end.

5 Best Balance Transfer Credit Cards

In this section of the article, we will be discussing some of the best and top balance transfer credit cards you can make use of in 2022 and beyond. Check out our list below;

Bank Americard Credit Card

Currently one of the best balance transfer credit cards in the market is the Bank  Americard Credit Card. Based on research, a credit card is designed to enable customers to pay out their debt hassle-free.

This card has one of the longest Intro periods of 0% for 21 billing cycles for any purchase made. And also for any balance transfer carry out for the first 60 days.

Plus, it offers its users with exclusive features such as zero penalty APR which means, your interest rate will not get increase immediately if you pay your bills late. Also, its ongoing APR is less expensive or lower compared to others.

Additionally, you can check your FICO score for free online or via your mobile banking app. Customers can conveniently apply for this credit card online via the Bank of America official website.

Wells Fargo Reflect Card

Another balance transfer credit card you can make use of is Wells Fargo Reflect Card. If you make use of this card well, you can pay out your credit card debt. It offers a 0% intro APR for up to 21 months starting from opening your account to purchases and qualifying balance transfers.

Additionally, customers are offered a $0 annual fee and receive $600 of mobile protection when they pay their monthly cell phone bills. Also, this credit card allows earning cashback whenever you shop for items, dine, and more.

However, you must meet the requirements before applying for the card. To apply for this card, you can visit well Fargo’s official website online.

Discover It Credit Card

Another top balance transfer credit card is Discover It. This credit card provides you with a 5% cash back on everyday purchases made from places such as Grocery stores, restaurants, gas stations, Amazon.com, etc. You get a 3% intro balance transfer fee and a 5% fee on future balance transfers.

But there are no Annual fees and you can start your application process online. However, terms and conditions apply to this credit card. You can visit their official website at www.discoverit.credit card to apply for the card.

Citi Diamond Preferred Card

Citi Diamond Preferred Card also offers a 0% intro APR for 21 months on balance transfers. And this is from the first date of your transfer. You will also get a 0% Intro APR for 12 months on purchases starting from when you open your account.

In addition, they provide you with a free FICO Score online. And with a Citi Entertainment which allows you access to ticket purchases to different events including sporting events, dining, concerts, and more. You can also apply for this credit card online via the company’s official website.

Chase Freedom Flex

This card is strong enough to manage almost all of your monthly spending requirements without carrying an excessive price tag. The card features no annual fee and a boosted earnings structure that includes recurring periodic bonus categories in spending sectors that several homes are likely to find enticing.

These expenses include travel, drugstores, restaurants, and prescriptions. It also offers a zero annual fee this means, you don’t have to pay for all the features offered by the card. To apply visit the official website of Chase Flex Credit Card to apply for this card hassle-free.

Check out: How to Pay off Credit Card Debt