Balance Transfer Credit Cards

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Payoff | Balance Transfer

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Chase Slate®

 

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Your Rating:

3.7/5.0 from 5,363 Cardholder Reviews 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 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/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
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • 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® Credit Card

 

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Your Rating:

3.7/5.0 from 4,968 Cardholder Reviews 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 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/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
  • Zero liability fraud protection, 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

Discover it® - Double Cash Back your first year

 

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Your Rating:

3.7/5.0 from 5,586 Cardholder Reviews Over the Past 60 Days!

Intro Balance Transfer APR

0%* for 18 Months

Bonus Rewards

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.

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Excellent

Highlights

  • We'll double all the cash back you've earned at the end of your first year. So if you earned $101 cash back, we'll double it to $202-Automatically. Only for new cardmembers.*
  • 5% cash back in categories that change each quarter like gas, restaurants, home improvement stores and more-up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • 0% intro APR* on balance transfers for 18 months-then a variable purchase APR applies, currently 11.24% - 23.24%. A 3% fee applies to each transferred balance.
  • Freeze It™ on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.* Plus get 100% U.S.-based service.
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.*
  • 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 you're never responsible for unauthorized purchases on your Discover card.
  • Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & other information.

Citi® Diamond Preferred® Card

 

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Your Rating:

4.2/5.0 from 4,230 Cardholder Reviews Over the Past 60 Days!

Intro Purchase APR

0% for 21 Months*

Intro BT APR

0% for 21 Months*

Regular Purchase APR

12.24% - 22.24%* (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 877-836-4537
  • 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.
  • 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*

Blue Cash Preferred® Card from American Express

 

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Your Rating:

3.7/5.0 from 3,144 Cardholder Reviews Over the Past 60 Days!

Intro Purchase APR

0% for 15 Months

Bonus Rewards

6% Cash Back at US Supermarkets*

Regular Purchase APR

13.24% to 22.24% (Variable)*

Annual Fees

$75

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
  • Get $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $150 back in the form of a statement credit.
  • Earn Cash Back: 6% U.S. supermarkets up to $6,000 per year in purchases (then 1%), 3% U.S. gas stations & select U.S. dept stores, 1% other purchases. Terms and limitations apply.
  • With the Blue Cash Preferred® Card, you can start earning cash back. 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. Cash back is earned only on eligible purchases.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 13.24% to 22.24%, based on your creditworthiness and other factors.
  • Terms and limitations apply.
  • See Rates & Fees

Chase Freedom®

 

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Your Rating:

3.7/5.0 from 5,661 Cardholder Reviews Over the Past 60 Days!

Reward

$150 Bonus*

Rewards Rate

5% Cash Back on select categories like gas, restaurants, and more*

Cash Back Terms

Unlimited 1% cash back and your rewards never expire*

Annual Fees

$0

Credit Needed

 
Good Credit

Credit cards for good credit are intended for those with a credit score between 660 - 699.

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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 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 14.24-23.24%
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories every 3 months like Gas Stations, Restaurants, and Select Grocery Stores
  • Unlimited 1% cash back on all other purchases – it’s automatic
  • Cash Back rewards never expire as long as your account is open
  • No annual fee

The Amex EveryDay® Credit Card from American Express

 

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Thanks for rating!

Your Rating:

3.7/5.0 from 4,572 Cardholder Reviews Over the Past 60 Days!

Introductory APRs

0% for 15 Months

Bonus Rewards

Earn 10,000 Points after Qualifying Purchases*

Regular Purchase APR

13.24% to 22.24% (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
  • Earn 10,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • Earn 20% more points: Make 20 or more purchases with your Card in a billing period and get 20% extra 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 15 months, then a variable rate, currently 13.24% to 22.24%, based on your creditworthiness and other factors.
  • Terms and limitations apply.
  • See Rates & Fees

Citi Simplicity® Card

 

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Thanks for rating!

Your Rating:

3.7/5.0 from 4,795 Cardholder Reviews Over the Past 60 Days!

Intro BT APR

0% for 21 Months*

Intro Purchase 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.

Get Your Free Score!
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 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.
  • 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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Thanks for rating!

Your Rating:

4.2/5.0 from 5,229 Cardholder Reviews Over the Past 60 Days!

Intro APR

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

Rewards Rate

Earn 1% on Purchases & 1% on Payments*

Regular Purchase APR

13.24 - 23.24% (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 or call 888-343-4081
  • 0% Intro APR on Balance Transfers and Purchases for 15 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 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

BankAmericard Cash Rewards™ Credit Card

 

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Thanks for rating!

Your Rating:

3.8/5.0 from 767 Cardholder Reviews 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 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 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 3% on gas up to the first $1,500 in combined grocery/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.

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Picture of Robbin Griffin

By: | Jan 20, 2016

I have a Chase Visa card that I need to do a balance transfer with. What would be the best credit card to apply for? I know you can't do balance transfers on the same company card. A 0% apr for 18 months with no transfer fees would be optimum but will settle for less. Thanks.

1 Reply

By: CompareCards | Jan 21, 2016

Hi Robbin,

There isn't any card that meets the specific requirements you've requested, but the Citi Simplicity comes with 0% APR for 21 months, no annual fee, and a 3% balance transfer fee.

Picture of Kat Renee

By: | Jan 14, 2016

If I already have one Citibank card, can I apply for a different Citi Card and transfer my balance and still be eligible for the 0% for a certain amount of months?

2 Replies

By: CompareCards | Jan 18, 2016

Hi Kat,

Unfortunately, you cannot transfer balances between credit cards issued by the same bank. Since you're current card is with Citi, you won't be able to transfer the balance to another Citi card. I would recommend the Chase Slate card for a balance transfer credit card. It offers 0% APR for 15 months and no fee for transfers made within the first 60 days!

By: Stephan George | Jan 27, 2016

Normally, balance transfer offers aren't available within the same bank. You would need to go to another institution.

Picture of Johnnie Silva

By: | Jan 12, 2016

I don't have an active bank account, is it possible to still apply for a oan or credit card.

Picture of Robin Gersten

By: | Jan 7, 2016

Are there any other cards besides Chase Slate that don't have a transaction fee for balance transfers?

1 Reply

By: CompareCards | Jan 7, 2016

Hi Robin,

The Chase Slate card is not the only credit card that has no balance transfer fee, but it is the only one that also has no annual fee and a lengthy 0% intro APR. For more details, check out our latest blog post about credit cards with no balance transfer fee!

Picture of Joanne Robinson

By: | Jan 4, 2016

I applied for a Citi Bank MasterCard and was approved . The balance I need to transfer is more than I was approved for can I cancel the card?

2 Replies

By: CompareCards | Jan 6, 2016

Hi Joanne,

You can certainly cancel the card if you choose. However, depending on your situation, it may be wise to leave it open. If the card you applied for has a 0% APR on balance transfers and you're currently paying a high interest rate, you could still save a lot of money by transferring a portion of that balance over to your new Citi card. Although it is not ideal, it would still help you avoid interest charges on part of your balance. You could consider applying for another offer with 0% APR, like the Chase Slate, to help pay off the rest of your balance.

By: Stephan George | Jan 27, 2016

My opinion? Call them and tell them the circumstances. They may increase the credit line if they know the reason you are opening the card is to transfer debt to them and not create it. Worth a try.

Picture of Candy Norvell

By: | Jan 2, 2016

I have all of the cards. Should I close out my slate card which has a zero balance and then re-open it to transfer a balance on an Amex card over? How long do I have to have the slate closed before I can re-apply? And does closing that slate card affect my credit score? How do you do cash advances? Do you have to have a new card for cash advances as well?

1 Reply

By: Stephan George | Jan 27, 2016

first of all, I would never close a card. one of the factors that effect your credit rating is the ratio of used credit to open credit. second, I would call chase and ask them -- they don't want to see you go somewhere else. third, if you are considering chase, I would look at the Bank of America cards (one is a better balance card, which gives you a bonus payment of $25(?) every quarter if you always pay more than the limit. I am not sure if that applies if you have nothing due, but it's sure worth a try!

Picture of Jennifer Foote

By: | Jan 2, 2016

Was looking for a good card to transfer balances to. I was looking a lot say 0% interest for a time but below it says 3% interest on balance transfers. So I'm a little confused.

1 Reply

By: CompareCards | Jan 6, 2016

Hi Jennifer,

The 3% number that you are seeing is referring to the balance transfer fee, not the interest rate. For example, the Citi Simplicity offers 0% APR for 21 months, but it comes with a 3% balance transfer fee. This means that if you transfer $1,000 to this card, you will be changed a fee of $30, making your total balance $1,030. But since you will have 21 months to pay this balance down totally interest free, you will still save a lot of money as opposed to attempting to pay it down on a card with a high interest rate.

Picture of Will Nolan

By: | Dec 3, 2015

Capital one is a very good card .they gave me a card for 300 to start and now have 2 cards quicksilver and my first card with ample credit and I started out with no credit, and started completely from scratch ...thank you capital one

Picture of Abe Gray

By: | Dec 1, 2015

I had a Chase Slate card and recently closed the account. Can I apply as a "new" account holder and get the introductory offer? Is there a set timeframe to pass before I would be considered a new customer?

1 Reply

By: CompareCards | Dec 2, 2015

Hi Abe,

The terms on the application for the Chase Slate are not 100% clear on whether or not you will be able to receive the promotional financing offer a second time, but it seems unlikely. Here is the section of their Terms and Conditions that most closely referred to your question:

"Chase cardmembers currently receiving promotional pricing, or Chase cardmembers with a history of only using their current or prior Chase card for promotional pricing offers, are not eligible for a second Chase credit card with promotional pricing."

Picture of Frances Vonkannon

By: | Nov 25, 2015

I would like a capitol one card , but not sure what one to get

1 Reply

By: CompareCards | Nov 26, 2015

Hi Frances,

Capital One has a number of excellent credit cards depending on what you are looking for. If you want travel rewards, the Capital One VentureOne offers unlimited 1.25 miles on all purchases with no annual fee. The Capital One Quicksilver offers 1.5% cash back on all purchases. If you're in need of a balance transfer, this card also comes with a lengthy intro APR of 0%.

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.

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.