Handling multiple credit cards and paying back several different debts each month can be overwhelming. So in order to get the lowest interest rate when paying back your debt, you should consider using balance transfers.

Paying off a debt to an existing account via balance transfer from an account with a lower interest rate is a more efficient and advantageous way of doing so. The sole purpose of this kind of balance transfer is to repay debt with a new credit card. And even though you’re accumulating debt on another credit card, you would be paying off your debt much faster. It’s important to use a credit card that has a low interest rate, low APR, no annual fee, and low penalty fees, which is why we’ve come up with a list of the best credit cards for balance transfers.

Additionally, if you have a good credit score, you might be able to use this to your advantage. A lot of credit cards offer balance transfers at low or zero percent introductory rates if you have a good credit score.

Chase Freedom Unlimited

This credit card is one of the best credit cards for balance transfers. They offer users a zero percent intro APR for the first 15 months on both balance transfers and purchases. For the first 60 days that your account is open, there’s a three percent intro balance transfer fee and a minimum of five dollars. After that, the fee is five percent of the amount transferred, with a minimum of five dollars. There’s also no annual fee, which means that you can save money to put towards paying off your debt. Additionally, your cash back rewards don’t expire, so you can accumulate your cash rewards over time.

Wells Fargo Platinum Card

With the Wells Fargo Platinum Card, you’ll get zero percent intro APR for the first 18 months. This is an excellent credit card because it has the one of the longest intro APR periods and balance transfer when compared to other cards. And, balance transfers made within 120 days qualify for the intro rate and fee, so you’re able to make the most out of the credit card, save money, and pay off your debt. You’ll also get easy access to your FICO credit score, making life that much easier. This is also a great card to use to pay for large ticket items over time.

Citi Double Cash Card

This credit card is the best for simple cash back. There’s a zero percent intro APR for the first 18 months for balance transfers completed within the first four months. The balance transfer fee is three percent, with a minimum of five dollars. One of the benefits of this card is that you’ll get two percent cash back on purchases, which breaks down into one percent for the purchases, and one percent when you pay them back.

Chase Slate

The Chase Slate card offers a low intro balance transfer offer. There’s an introductory fee of zero dollars for the first 60 days of your account being open, which increases to five percent of the amount transferred, with a minimum of five dollars. One of the best parts of this card is that there is no penalty APR, so paying late won’t raise your interest. This is why paying off your debt with this card is beneficial for you if you tend to make late payments.

Citi Simplicity Card

If you’re trying to get your finances back on track, then definitely check out the Citi Simplicity Card. Firstly, they offer no late fees, no annual fees, and no penalty fee, so paying off your debt with balance transfers from this card is a step in the right direction. They offer zero percent APR for 21 months on balance transfers and for 12 months on purchases. Based on your creditworthiness, they’ll offer a variable APR between 16.49% and 26.49%.

HSBC Gold Mastercard

One of the best balance transfer cards out there, HSBC Gold Mastercard offers tons of perks. For the first 18 months, there is a zero percent intro APR on both purchases and balance transfers, which must be posted within the first 60 days of opening. There is a late fee waiver, so they’ll waive the late fee once every 12 months. There’s no penalty APR, so if you pay late, they won’t raise your APR. You can save money on high interest balances, pay down your balances faster, streamline your payments, and consolidate debt. You can also transfer balances for any amount, as long as the amount doesn’t exceed your HSBC Credit Card.

When considering which credit card is best for you, you should take a look at the APR percentage, late fees, annual fee, and penalty fees they have to offer. It’s advisable to sign up for one of these credit cards to be able to pay back your debt with lower interest rates and at a faster pace. You’ll even be able to reap the benefits of the rewards on these cards, which is why these are the best credit cards for balance transfers.