When you opt for a balance transfer credit card, you are able to transfer balance from one or multiple cards to a new company at a lower annual percentage rate (APR). You can be sure that 100% of your payment will be towards the principal during the initial period. You can consolidate all your loans to one card and track your debt efficiently. It allows you to move to a card with better rewards and terms than your current credit card.

Here are some of the top balance credit cards that you can choose from:

Wells Fargo Reflect Card
If your credit score is good or excellent, and your goal is to settle the debt within two years, you can choose the Wells Fargo Reflect card, which offers a 0% introductory APR for 21 months from the account opening. After that, the variable rates are between 15.24% and 27.24 %. You must ensure minimum payments during this period to be eligible for the 0% APR. The card also offers cell phone protection, roadside dispatch, and zero liability protection and gives you access to various deals and offers from Wells Fargo.

Bank America Credit Card
If your credit is good or excellent, and you can settle your debt within the intro APR period, you can consider this card. They offer 0% APR for 18 billing cycles, and the rates range from 15.24% and 25.24% on your balance transfers. You can also avail of a $100 sign-up credit bonus if you make purchases of $1000 before three months from the date of card purchase. Their balance transfer fee is either 3% or $10 (whichever is higher) for every transaction. They offer benefits like no penalty APR, free access to your FICO credit score, and overdraft protection.

Citi Diamond Preferred Card
Citi Diamond’s Preferred card could be the right one if you have good credit, want to save on interest and fees, and are not keen on rewards and offers. They have one of the longest 0% APR for 21 months on balance transfer and 0% intro APR on purchases. Their APR on both ranges between 15.99% and 25.99%. Their balance transfer fee is 5% at a minimum of $5. They do not charge any annual fee. Since the card does not offer any rewards, you may not find any specific benefits on your purchases.

Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit is best suited for frequent travelers with a good or excellent credit score. It rewards $1 for 1.25 to 5 miles on hotel and car rentals. You also can avail of a bonus offer of 20,000 miles. You can redeem the miles on your travel-related expense, and they remain valid as long as the account is valid. They offer 0% intro APR for 15 months on purchases and balance transfers. Their transfer fee is 3%, and their regular APR after 15 months ranges from 16.49% to 26.49%.

Blue Cash Everyday Card
Blue Cash Everyday Card may work for you if your goal is to pay your debt fast, earn rewards, and accumulate savings. Experts calculate that you can save about $2,500 in 2 years. They offer a 0% intro APR on balance transfer for 15 months. The Blue Cash Everyday card is best suited for those with good credit and with considerable daily spending like grocery and gas.