Balance Transfer Credit Cards

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Citi Simplicity® Card

 

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Your Rating:

3.7/5.0 from 2,996 Cardholder Reviews Over the Past 60 Days!

Intro Purchase APR

0% for 21 Months*

Intro BT APR

0% for 21 Months*

Regular Purchase APR

12.99%-22.99%* (Variable)

Annual Fees

$0*

Credit Needed

 
Excellent Credit

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

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Excellent

Highlights

  • Click "APPLY NOW" to apply online or call 877-886-4537
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 12.99% - 22.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
  • No penalty rate - EVER
  • No annual fee - EVER
  • Save time when you call with fast, personal help, 24 hours a day.

Citi® Double Cash

 

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Your Rating:

4.3/5.0 from 2,562 Cardholder Reviews Over the Past 60 Days!

Rewards Rate

Earn 1% on Purchases & 1% on Payments*

Intro Purchase APR

0% APR for 15 Months on Purchases & Balance Transfers*

Regular Purchase APR

12.99%-22.99%* (Variable)

Annual Fees

$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!
Good to Excellent

Highlights

  • Click "APPLY NOW" to apply online or call 888-343-4081
  • 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99%-22.99%, 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 only card that earns you cash back TWICE on every purchase with:  
  • 1% cash back when you buy
  • Plus 1% cash back as you pay for those purchases, whether you pay in full or over time*
  • No Category Restrictions, No Caps, No Enrollments in Rotating Categories
  • No Annual Fee

Chase Slate®

 

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Your Rating:

3.7/5.0 from 2,706 Cardholder Reviews Over the Past 60 Days!

Intro Purchase APR

0% for 15 Months*

Intro BT APR

0% for 15 Months*

Regular Purchase APR

12.99%, 17.99%, 22.99% Variable

Annual Fees

$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!
Good

Highlights

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

BankAmericard Cash Rewards™ Credit Card

 

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Your Rating:

3.7/5.0 from 1,002 Cardholder Reviews Over the Past 60 Days!

Intro Purchase APR

0% for purchases for 12 billing cycles

Intro BT APR

0% for qualifying balance transfers for 12 billing cycles

Regular Purchase APR

12.99% - 22.99% Variable on purchases & balance transfers

Annual Fees

$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 or call 800-716-6383
  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 1% cash back on every purchase, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery/gas purchases each quarter
  • No annual fee
  • 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, 12.99% - 22.99% 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.
  • Now with chip technology for enhanced security and protection at chip-enabled terminals

BankAmericard® Credit Card

 

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Thanks for rating!

Your Rating:

3.7/5.0 from 2,711 Cardholder Reviews Over the Past 60 Days!

Intro Purchase APR

0% for purchases for 15 billing cycles

Intro BT APR

0% for qualifying balance transfers for 15 billing cycles

Regular Purchase APR

10.99% - 20.99% Variable on Purchases & Balance Transfers

Annual Fees

$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 or call 800-483-4499
  • 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 10.99% - 20.99% Variable APR. 3% fee (min $10) applies to balance transfers.
  • No annual fee
  • The perfect card for those seeking a simple yet convenient-to-use credit card
  • Zero liability fraud protection, so you're not responsible for any fraudulent charges made on your account
  • Now with chip technology for enhanced security and protection at chip-enabled terminals  

Chase Freedom®

 

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Your Rating:

3.7/5.0 from 3,386 Cardholder Reviews Over the Past 60 Days!

Reward

$100 Bonus*

Intro Purchase APR

0% for 15 months on purchases and BTs*

Regular Purchase APR

13.99%-22.99% Variable*

Annual Fees

$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!
Good

Highlights

  • Click "APPLY NOW" to apply online
  • Named a Best Card for Cash Back by MONEY® Magazine
  • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
  • Unlimited 1% Cash Back on every purchase
  • 5% Total Cash Back on up to $1,500 in combined purchases in bonus categories each quarter
  • You’ll enjoy new 5% categories every 3 months like Gas stations, Restaurants and Amazon.com. It’s free and easy to activate your bonus each quarter!
  • No annual fee and rewards never expire as long as your account is open

Citi® Diamond Preferred® Card

 

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Your Rating:

4.2/5.0 from 3,244 Cardholder Reviews Over the Past 60 Days!

Intro Purchase APR

0% for 21 Months*

Intro BT APR

0% for 21 Months*

Regular Purchase APR

11.99%-21.99%* (Variable)

Annual Fees

$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 or call 877-836-4537
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi Easy Deals(SM) Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*

Discover it®

 

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Thanks for rating!

Your Rating:

3.7/5.0 from 2,647 Cardholder Reviews Over the Past 60 Days!

Intro Balance Transfer APR

0%* for 18 Months

Bonus Rewards

Earn 5% Cash Back*

Exclusive Bonus Offer

Double cash back at end of 1st year*

Annual Fees

$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 on balance transfers for 18 months—then a variable purchase APR applies, currently 10.99% – 22.99%. A 3% fee applies to each transferred balance.
  • Exclusive offer: Double all the cash back you've earned at the end of your 1st year—automatically.*
  • 5% cash back in categories that change each quarter like gas, restaurants and more—up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • Free FICO® Credit Score on statements, online & by mobile app.* And 100% U.S.-based service any time.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICO® Credit Score terms & other info by clicking "Apply."

Capital One® Quicksilver® Cash Rewards Credit Card

 

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Thanks for rating!

Your Rating:

3.7/5.0 from 1,967 Cardholder Reviews Over the Past 60 Days!

Intro Purchase APR

0% APR on purchases until March 2016

Rewards Rate

Earn 1.5% Cash Back on all Purchases*

Regular Purchase APR

12.9% - 22.9% (Variable)

Annual Fees

$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
  • One-time $100 cash bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
  • Get a 20% Statement Credit on all Uber rides purchased with this card through April 2016
  • 0% intro APR on purchases until March 2016; 12.9%-22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until March 2016, a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • Capital One® Credit Tracker - the free way to easily monitor your monthly credit score anytime, anywhere

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Picture of Ernest James Usher Jr.

By: | Jun 8, 2015

I am looking for a great business credit card with no personal surety only based on my 27 year business experience and DUN credit score.

1 Comment

By: CompareCards | Jun 8, 2015

Hi Ernest.

Business credit card approvals are actually based on a combination of both your personal and your business credit. If your business has a lengthy, positive credit history it will be a big help in getting approved for a business credit card, but you’re personal credit history will probably be taken into account as well.

That said, the credit card I would recommend would be the Chase Ink Cash Business. This card has no annual fee, 0% APR for 12 months, and an excellent cash back program! Be sure to check out our business credit cards page so see all the best options!

Picture of Marysue Cirrincione

By: | Jun 7, 2015

I am looking at possible bankruptcy due to large medical expenses. Is there a card that I can get that will understand my medical problems.

1 Comment

By: CompareCards | Jun 8, 2015

Hi Marysue

The credit card that currently has the longest introductory period for 0% APR is the Citi Simplicity. This card would give you 21 months to pay off your medical expenses totally interest free. On top of that, there is no annual fee and no late fees or penalty rate if you happen to miss a payment! If you plan to put the large expenses on a credit card, I would establish a solid plan to pay down the debt as quickly as you can. Because once the introductory period is up, you'll begin accruing interest on the balance, which could bring you further into debt if you can’t handle the payments.

Picture of Linda Shepherd

By: | May 16, 2015

Does anyone know of a credit card with 0% interest and no transfer fee?

1 Comment

By: CompareCards | Jun 2, 2015

Hi Linda,

The Chase Slate is the best option if your looking for a fee-free balance transfer credit card. It's currently the only card on the market that offers no balance transfer fee, no annual fee, AND it has 0% APR on purchases and balance transfer for the first 15 months!

Picture of Ruth Elaine Anderson

By: | Mar 3, 2015

my credit score is 690, I have about 10,000 in credit card debt, I would like to bundle in one payment. Is this possible?

1 Comment

By: Joi Saunders | May 25, 2015

Try Lending Club.com - they seem reasonable

Picture of Rick Sands Sr.

By: | Feb 5, 2015

noticed my fico score went up after I ordered a another card..? If I transfer a card how will that effect my score..and will it increase my credit line?

1 Comment

By: Peggy VanOrder | Mar 2, 2015

I would transfer One Card for the time being. Remember rushing in may be a big problem for them. I tried it. I got one transferred, if your score is not so bad 650 or up, Discover is pretty good. Merrick Bank is also another one but I don't know if they are offering Transfers you could try, CS# 1-800-253-2322; Good Luck all the Best!

Picture of Sherry Walker

By: | Jan 13, 2015

do you know a creditcard for people with bad credit

1 Comment

By: Mario Westcott | Feb 19, 2015

FIRST PREMIER BANK -START WITH $300.00 CREDIT LIMIT AFTER 6 MONTHS YOU HAVE THE OPTION TO INCREASE YOUR CREDIT LIMIT BASED ON YOUR KEEPING YOUR MONTHLY PAYMENTS CONSISTANT, IT WILL ALSO AID IN REBUILDING AND OR ESTABLISHING YOUR CREDIT WORTHINESS. REALLY A GREAT CHOICE. FINGERHUT IS ANOTHER GOOD CHOICE HOWEVER I NOTICED A SIGNIFICANT PRICE HIKE FOR THEIR MERCHANDISE SO THINK TWICE CONSIDERING THE AFOREMENTIONED.

Picture of Robert Bee

By: | Dec 17, 2014

Can anyone share a great debt consolidation company? I have been disabled since Aug. 2014 and need some assistance.

3 Comments

By: Jennifer Luft | Jan 14, 2015

Try the Lending Club.

By: Denise Mahboub | Apr 11, 2015

American consumer Credit Counseling. They helped us out of $120,000 credit debt. It was a painful 6 years but the freedom from debt is worth it!

By: Linda Brodie Wilson | May 23, 2015

Try Lexington law firm. They will set you up in a monthly plan. Sometimes they even have a bring a friend plan where you pay the same price for 2 people as you do for one. I am trying to rebuild my credit after divorce, and my oldest daughter was having some credit issues so I put her on there too. For $100 dollars a month they worked on my credit report and hers. They sent letters from their law firm to creditors saying you are disputing the debt. They send like 3 a month and the creditors respond faster to them because they are a law firm. They got most of mine removed without me paying anything. Then if you do have to pay them you usually get a good discount. It helps build your credit score back up too. It takes awhile to get your credit score back up but it is a start. You get to log on there website and see everything, and you can pick the creditors you want to sent letters to first so if you have someone specifically harassing you then you can pick theirs. If you don't know who to pick you can ask them which one's are affecting your credit score the most and start there. I would also check and try to buy a house or duplex if you do not already own one. There are a lot of first time home buyers with zero down and you can find houses that owners are willing to pay your closing costs. You can even buy a house with a low credit score of around 550 to 600.

Picture of Laura Reyes

By: | Dec 10, 2014

Hi, my advice would be to go to a debt consolidation company, they will negotiate your debt and lower it, plus get you a "good" rate, not sure about the rate though, and consolidate all your debt into one monthly payment. The problem is that this may affect your credit negatively since you will not be paying 100% of what you owe to your debtors.

Picture of Prem Arjoon

By: | Nov 15, 2014

I have the same issue described by Kenny. I have 5 active cards and want to combine all into one debt? How can I do that:? My current aggregate score is 556.

Picture of Rene Lizardo

By: | Nov 1, 2014

I Rene; Lizardo is trying to find the right way either a loan or use a credit card to pay all my debits which in total about 10,000.00 dollars and just have to make one payment once a month which route such be the smart way to go about handling my situation /

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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.

Updated on

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.