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Balance Transfer Credit Cards

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Citi Simplicity® Card - No Late Fees Ever

 

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Your Rating:

3.8/5.0 from 791 Offer Ratings
Over the Past 60 Days!

(791) Over the Past 60 Days!
  • Intro BT APR 0% for 21 Months*
  • Intro Purchase APR 0% for 21 Months*
  • Regular Purchase APR 13.24% - 23.24% (variable)
  • Annual Fee $0*
  • Credit Needed
     
    Excellent Credit

    Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

    Get Your Free Score!
    Excellent/Good

Highlights

  • Click "APPLY NOW" to apply online or call 877-886-4537
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER.
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The same great rate for all balances, after the introductory period.
  • Save time when you call with fast, personal help, 24 hours a day – just say “representative”.
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month.

See additional details for Citi Simplicity® Card - No Late Fees Ever

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Chase Slate®

 

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Your Rating:

3.8/5.0 from 938 Offer Ratings
Over the Past 60 Days!

(938) Over the Past 60 Days!
  • Balance Transfer Fee No Fee for the First 60 Days*
  • Intro APR 0% for 15 Months*
  • Regular Purchase APR 13.24%-23.24% Variable
  • Annual Fee $0
  • Credit Needed
     
    Excellent Credit

    Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

    Get Your Free Score!
    Excellent/Good

Highlights

  • Click "APPLY NOW" to apply online
  • Chase Slate named "Best Credit Card for Balance Transfers" three years in a row by MONEY Magazine
  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • Monthly FICO® Score and Credit Dashboard for free
  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee

See additional details for Chase Slate®

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Citi® Diamond Preferred® Card

 

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Your Rating:

4.2/5.0 from 1,254 Offer Ratings
Over the Past 60 Days!

(1,254) Over the Past 60 Days!
  • Intro Purchase APR 0% for 21 Months*
  • Intro BT APR 0% for 21 Months*
  • Regular Purchase APR 12.24% - 22.24%* (Variable)
  • Annual Fee $0*
  • Credit Needed
     
    Excellent Credit

    Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

    Get Your Free Score!
    Excellent/Good

Highlights

  • Click "APPLY NOW" to apply online or call 877-836-4537
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 12.24% - 22.24% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • 24/7 access to Citi® Concierge for help in booking hotels, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*
  • Free access to FICO® Scores*

See additional details for Citi® Diamond Preferred® Card

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Discover it® - 18 Month Balance Transfer Offer

 

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Your Rating:

3.7/5.0 from 168 Offer Ratings
Over the Past 60 Days!

(168) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% for 18 Months*
  • Rewards Rate 5% cash back in bonus categories, 1% on everything else*
  • Regular Purchase APR 11.24% - 23.24%* (Variable)
  • Annual Fee $0
  • Credit Needed
     
    Excellent Credit

    Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

    Get Your Free Score!
    Excellent/Good Credit

Highlights

  • You could turn $200 into $400 with Cashback Match™. We'll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon.com, Sam's Club and more, on up to $1,500 in purchases every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • FICO® Credit Scores for free on statements and online.
  • No annual fee.
  • Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

See additional details for Discover it® - 18 Month Balance Transfer Offer

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Citi® Double Cash Card – 18 month BT offer

 

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Your Rating:

4.4/5.0 from 1,289 Offer Ratings
Over the Past 60 Days!

(1,289) Over the Past 60 Days!
  • Intro APR 0% APR for 18 Months on Balance Transfers*
  • Rewards Rate Earn 1% on Purchases & 1% on Payments*
  • Regular Purchase APR 13.24 - 23.24% (variable)
  • Annual Fee $0*
  • Credit Needed
     
    Excellent Credit

    Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

    Get Your Free Score!
    Excellent/Good

Highlights

  • Click "APPLY NOW" to apply online or call 888-343-4081
  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro  APR on Balance Transfers for 18 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*

See additional details for Citi® Double Cash Card – 18 month BT offer

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BankAmericard® Credit Card

 

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Your Rating:

3.8/5.0 from 349 Offer Ratings
Over the Past 60 Days!

(349) Over the Past 60 Days!
  • Intro BT APR 0% for qualifying transfers for 18 billing cycles
  • Balance Transfer Fee 3% fee or $10 applies to each transfer
  • Regular APR 11.24% - 21.24% Variable APR on purchases and balance transfers
  • Annual Fee $0
  • Credit Needed
     
    Excellent Credit

    Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

    Get Your Free Score!
    Excellent/Good

Highlights

  • Click "APPLY NOW" to apply online or call 800-483-4499
  • 0% Introductory APR for 18 billing cycles for balance transfers made in the first 60 days, then 11.24% - 21.24% Variable APR.
  • Balance transfer fee of either 3% of the amount of the transfer or $10 (whichever is greater) applies
  • No annual fee
  • The perfect card for those seeking a simple yet convenient-to-use credit card
  • $0 Liability Guarantee, so you're not responsible for any fraudulent charges made on your account
  • If you apply for a card over the phone and are approved, our representatives can transfer your balance over the phone

See additional details for BankAmericard® Credit Card

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The Amex EveryDay® Credit Card from American Express

 

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Your Rating:

4.0/5.0 from 311 Offer Ratings
Over the Past 60 Days!

(311) Over the Past 60 Days!
Apply Now Add to Compare

Terms and Conditions apply

Rates & Fees
  • Introductory APRs 0% for 12 Months*
  • Bonus Rewards Earn 10,000 Points after Qualifying Purchases*
  • Regular Purchase APR 13.24% to 23.24% (Variable)*
  • Annual Fee $0
  • Credit Needed
     
    Excellent Credit

    Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

    Get Your Free Score!
    Excellent

Highlights

  • Click "APPLY NOW" to apply online
  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits. Terms and limitations apply.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
  • Terms and Conditions apply.
  • See Rates & Fees

See additional details for The Amex EveryDay® Credit Card from American Express

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Chase Freedom Unlimited℠

 

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Your Rating:

3.9/5.0 from 637 Offer Ratings

(637)
  • Rewards Rate Unlimited 1.5% cash back on every purchase - it's automatic!
  • Sign-up Bonus Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Cash Back Details Redeem Cash Back for any amount, anytime
  • Annual Fee $0
  • Credit Needed
     
    Excellent Credit

    Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

    Get Your Free Score!
    Excellent/Good

Highlights

  • Click "APPLY NOW" to apply online
  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash - any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee

See additional details for Chase Freedom Unlimited℠

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BankAmericard Cash Rewards™ Credit Card

 

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Your Rating:

3.8/5.0 from 364 Offer Ratings
Over the Past 60 Days!

(364) Over the Past 60 Days!
  • Intro Purchase APR 0% for 12 billing cycles
  • Intro BT APR 0% for qualifying transfers for 12 billing cycles
  • Regular APR 13.24% -23.24% Variable APR on purchases and balance transfers
  • Annual Fee $0
  • Credit Needed
     
    Excellent Credit

    Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

    Get Your Free Score!
    Excellent/Good

Highlights

  • Click "APPLY NOW" to apply online or call 800-716-6383
  • No annual fee
  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and now at wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%. Click "Apply Now" to learn more about Preferred Rewards.

See additional details for BankAmericard Cash Rewards™ Credit Card

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Wells Fargo Platinum Visa® Credit Card

 

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Your Rating:

3.7/5.0 from 210 Offer Ratings
Over the Past 60 Days!

(210) Over the Past 60 Days!
  • Introductory APR 0% for 15 months on purchases and balance transfers*
  • Low Fees Enjoy $0 Annual Fee
  • Free Cell Phone Protection Covers damage & theft, up to $600 per claim*
  • Annual Fee $0
  • Credit Needed
     
    Excellent Credit

    Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

    Get Your Free Score!
    Excellent

Highlights

  • Click "APPLY NOW" to apply online
  • 0% Intro APR for 15 months on purchases and balance transfers
  • $0 Annual Fee
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map

See additional details for Wells Fargo Platinum Visa® Credit Card

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Chase Freedom®

 

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Your Rating:

3.7/5.0 from 75 Offer Ratings
Over the Past 60 Days!

(75) Over the Past 60 Days!
  • Sign up Bonus Earn a $150 Bonus
  • Introductory APR 0% Intro APR on purchases and balance transfers for 15 months
  • Regular APR 14.24%-23.24% Variable
  • Annual Fee $0
  • Credit Needed
     
    Excellent Credit

    Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

    Get Your Free Score!
    Excellent/Good

Highlights

  • Click "APPLY NOW" to apply online
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Unlimited 1% cash back on all other purchases — it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Enjoy new 5% categories every 3 months like gas stations, restaurants, and wholesale clubs
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee

See additional details for Chase Freedom®

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Blue Cash Everyday® Card from American Express

 

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Thanks for rating!

Your Rating:

3.9/5.0 from 259 Offer Ratings
Over the Past 60 Days!

(259) Over the Past 60 Days!
Apply Now Add to Compare

Terms and Conditions apply

Rates & Fees
  • Sign-up Bonus Earn $100 back after meeting spending requirements*
  • Intro APR 0% for 12 Months on Purchases and Balance Transfers*
  • Regular Purchase APR 13.24%-23.24% Variable*
  • Annual Fee $0
  • Credit Needed
     
    Excellent Credit

    Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

    Get Your Free Score!
    Excellent

Highlights

  • Click "APPLY NOW" to apply online
  • Special Offer - Earn 5% cash back on eligible travel purchases in the first 6 months, up to $200.
  • Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 3 months.
  • You will receive cash back in the form of statement credits.
  • Everyday Cash Back: 3% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 2% at U.S. gas stations; 1% on other purchases. Terms and limitations apply.
  • No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
  • Terms and Conditions apply.
  • See Rates & Fees

See additional details for Blue Cash Everyday® Card from American Express

View Details

*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.

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Picture of Gerolama Palarmo

By: | Sep 18, 2016

I have a cr score of 699 and looking to transfer about 7500.00 to one card with a 0% for 21 months . I actually have 2 cards which one is 2463.76 and the other is 3524.41. Do you think it's financially wise to transfer into one card?

1 Reply

By: CompareCards | Sep 19, 2016

If your current credit cards are charging you a high interest rate on your balances, you could potentially save a lot of money by transferring to a card with 0% introductory APR. With a score of 699, your credit is considered good and there are a number of credit cards you have a good chance of getting approved for. Two cards that offer 0% introductory APR for 21 months are the Citi Simplicity and the Citi Diamond Preferred. Either of these cards would be a good fit for your situation!

Picture of Ron Borgatti

By: | Sep 16, 2016

Hello - I'm looking for the best combination of balance transfer and rewards. I have $4500 to transfer and a credit score of 790. Thank you for suggestions.

1 Reply

By: CompareCards | Sep 16, 2016

Two credit cards that offer great rewards rates as well as excellent balance transfer offers are the Citi Double Cash and the Discover It. Both cards come with 18 months of 0% intro APR on balance transfers and no annual fee. These are also two of the best cash back credit cards on the market, so either one would be a great fit for what you're looking for.

Picture of Dusty Headphones

By: | Aug 14, 2016

I have a credit score of 700 with a 2300 balance that i want to transfer but I am not getting approved for any card that I apply to. What could be the reason for this?

1 Reply

By: CompareCards | Aug 29, 2016

Whenever you are denied for a credit card application, you should receive a written notice that outlines the reason you were not approved. This is the best way to find out which factors of your credit report kept you from getting an approval. With a score of 700, there are still a number of great balance transfer credit cards you have a good shot of getting approved for. If you haven't tried yet, apply for the Chase Slate card as it is on of the best balance transfer credit cards on the market. New cardholders receive 0% intro APR on balance transfers for 15 months and there is no fee for transfers made within the first 60 days!

Picture of Louis Wilches

By: | Aug 8, 2016

I have a credit score of 669 and credit card with a $7800 balance, I want a 0% transfer promo that isn't Capital One?

1 Reply

By: CompareCards | Aug 9, 2016

With a credit score in the mid to upper 600s, your credit is considered fair/good and you may be able to get approved for the Chase Slate credit card. This card offers 0% intro APR for 15 months on balance transfers and no fee for balance transfers made within the first 60 days of account opening.

Picture of Lynn Burgess

By: | Aug 5, 2016

I have a credit score of 753, and a credit card with a 12,000 balance. I want to transfer to a 0% card and Chase looks best. Is it?

1 Reply

By: CompareCards | Aug 8, 2016

The Chase Slate card is an excellent option for balance transfers as it somes with 0% intro APR for 15 months and no fee for balance transfers made within the first 60 days.

Picture of FT Hill

By: | Jul 13, 2016

I have a card with a high credit limit that I currently does Not have a balance. Trying to improve my credit score, should I keep this card active, reduce the limit or leave it alone. Would cancelling this card hurt my credit score. I have a card with a high balance that I wish to transfer

1 Reply

By: James Madden | Jul 21, 2016

If you want to build your credit DO NOT close your cards keep paying your debt and open new credit cards also your old cards call them and ask them for an credit line increase

Picture of John Leon

By: | Jun 26, 2016

What happens to the credit card you're transferring the money from? Will I still be able to use it?

2 Replies

By: Tracy L Rawlins | Jul 28, 2016

Absolutely. It just carries the balance of card A to card B

By: Ron Lash | Jul 30, 2016

Yes you can still use them. However, any purchase will be at the current APR.

Picture of Kathleen Reynolds

By: | Jun 24, 2016

My credit score is 646 because I have been out of work for 3 months and my balances got too high for the small payments I was making- If I make decent payments in the next couple months (I now have a full-time, well paying job), should I be able to raise my credit score enough to get a good credit limit so that I can make a transfer from my current cards to one of the 0% APR for so many months cards? I just applied for one and was only given a limit of $1500 because of my score.

1 Reply

By: CompareCards | Jun 24, 2016

Your credit utilization accounts for 30% of your overall credit score, so paying down your balance should definitely help you raise your credit score. Even thought the credit limit is not as high as you would have liked, it would also be helpful for you to transfer $1,500 to the balance transfer credit card you just opened if you think you will be able to pay off the balance in full within the introductory period with 0% APR. Paying no interest during the intro period will allow you to pay off your balances and raise your credit score much quicker.

Picture of Michelle Martin

By: | Jun 24, 2016

Once your 12, 15, 18 month (whatever term) 0% transfer balance rate term is up, is the APR rate then calculated on the remaining balance? or the entire original balance that was transferred on to the card? Must you pay the transferred balance amount in that 0% term/window that is being offered?

1 Reply

By: CompareCards | Jun 24, 2016

After the introductory period is up, you will only pay interest on the remaining balance. You will only pay interest on the entire balance if your credit card charges what is called "deferred interest". None of the cards on this page will charge deferred interest. This is usually only found on store credit cards.

Picture of Kathy Dickens Runge

By: | Jun 20, 2016

I already have a Slate card. Will they let me transfer more money without a balance transfer fee or is there another card I could look into with 0% charged on transfers?

1 Reply

By: CompareCards | Jun 20, 2016

If you already have the Chase Slate, you will not be able to take advantage of the intro balance transfer offer for that card. If you wish to transfer your balance to another good balance transfer card, two options you should look at are the Barclaycard Ring MasterCard and the Capital One QuicksilverOne.

Page:

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Compare 0% Balance Transfer Credit Cards & Offers

One of the main reasons that people shop for a new credit card is in order to find banks that offer special 0% balance transfer credit cards for the longest period of time and with low transfer fees. In recent years consumers have started to use credit cards more wisely than they did before the big credit crisis. Now they tend to shift high-interest card balances to cards that offer a lower APR, because in doing so they are able to gain immediate and substantial savings.

Use our free balance transfer calculator and credit card payoff calculator found on this site to figure out how much money you can save by getting a better interest rate. Then look in this section for the best balance transfer credit cards that offer good deals such as 0% interest for 1 to 2 years, no-fee balance transfers, and lower regular APR rates. You will want to pay special attention to any minimum charges or transfer % that a credit card company might impose on you for transferring a balance – deduct that cost from your overall savings in order to arrive at a real net savings for transferring to a new credit card.

Let’s say that you have a card that you’re currently paying 25% interest on, but you find a card here that will only charge you 3.99% for the first year and 18% thereafter. By moving your balance to the new card you can save more than 20% right away, and 7% over the long term. If your transfer amount is $3,000 that means you save around $500– $600 in interest within the next 12 months.

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