You may find a balance transfer credit card useful if you are managing your debt. This kind of  card usually enables you to pay down your debt faster. The following 5 balance transfer credit cards are recommended for you.

Citi Diamond Preferred Card

Once you sign up for the Citi Diamond Preferred Credit Card, you can enjoy 0% APR on both new purchases and the balance transfers for 18 months. Later, the APR will be varied from 14.74% to 24.74%, according to your creditworthiness. With this card, you can also have access to Citi Entertainment benefits. If you need to make a large purchase and would like to pay it down over time with no interest, you will find this card a good choice. However, this card has no rewards program. This means the long-term value will be limited.

Citi Double Cash Card

The Citi Double Cash Card offers you 0% APR on balance transfers for 18 months, followed by a variable APR of 13.99% to 23.99%. No annual fee is required. You may want to keep the card for a long term. If you finish paying off the balance, you can keep the card for regular spending. The card provides you with up to 2% back for every purchase without caps on the rewards you can earn. However, there is no sign-up bonus nor 0% intro APR offer on purchases.

Discover it Cash Back

This card offers you 14 months with a 0% APR on both balance transfers and new purchases. Besides, the card can give you 5% back on up to $1,500 spent in bonus categories per quarter and 1% back on anything else. You can also redeem the rewards without annual fee. However, there is a 5% balance transfer fee, which is relatively higher than other cards.

PenFed Gold Visa Card

This card provides you with a 0% APR balance transfer offer for 12 months plus a low ongoing APR (about 17.99%). When you use the card and spend at least $1,500 within the first 90 days of your account, you can earn a $100 statement credit. No annual fee, cash advance fee, or late fee is required. Applying the card requires you to become a member of the Pentagon Federal Credit Union.

Citi Simplicity Card

The Citi Simplicity Card is a low-cost card without any late fee, annual fee, and penalty rate. The card offers you a full 18 months with a 0% APR on both balance transfers and new purchases, followed by a variable APR ranging from 14.74% to 24.74%. Though the card is quite attractive, it requires a balance transfer fee of 5%, which is still costly.

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