17 Best Balance Transfer Credit Cards — Ranked by APR and Perks

9. American Express EveryDay Credit Card - The Premium Transfer Experience

American Express EveryDay Credit Card brings the premium service and benefits associated with the Amex brand to the balance transfer market, offering a 15-month 0% APR period on balance transfers with the added value of Membership Rewards points earning potential. The card's unique value proposition lies in its ability to provide debt elimination benefits while maintaining access to American Express's renowned customer service and merchant network. The balance transfer fee of 3% (minimum $5) is competitive, while the ongoing APR range of 18.24% to 29.24% Variable reflects the premium positioning of the American Express brand. What sets this card apart is its rewards structure, offering 2x points at U.S. supermarkets (up to $6,000 annually) and 1x points on other purchases, with a 20% bonus if you make 20 or more transactions per month. This rewards earning potential can be particularly valuable for cardholders who need to maintain active spending while eliminating debt, as points can be redeemed for statement credits to accelerate debt payoff. American Express's digital platform provides sophisticated account management tools, including spending insights and budgeting assistance that can support disciplined debt elimination strategies. The card also includes access to American Express Offers, providing targeted discounts and cashback opportunities that can reduce overall spending costs. For cardholders who value premium service and want to maintain rewards earning potential during their debt elimination journey, the American Express EveryDay Credit Card provides a compelling combination of balance transfer benefits and ongoing value that extends well beyond the promotional period.