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Estimate your monthly payments toward fully paying off credit card balancesCredit Card Payoff Calculator
Find out how much money in interest payments you can save by transferring an exisiting credit card balance to a lower interest rate credit card.Balance Transfer Calculator
0% for qualifying transfers for 18 billing cycles
3% fee or $10 applies to each transfer
11.24% - 21.24% Variable APR on purchases and balance transfers
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 and more - up to $1500 every quarter you activate
Cash back rewards never expire
Get up to $300 back*
0% for 12 Months on Purchases and Balance Transfers*
0% APR for 18 Months on Balance Transfers*
Earn 1% on Purchases & 1% on Payments*
13.24 - 23.24% (variable)
0% for 15 Months
Earn 10,000 Points after Qualifying Purchases*
13.24% to 22.24% (Variable)
Unlimited 1.5% cash back on all purchases*
Get $150 bonus cash after spending $500 in the first 3 months*
Redeem Cash Back for any amount, anytime*
0% for 12 billing cycles
0% for qualifying transfers for 12 billing cycles*
13.24% -23.24% Variable APR on purchases and balance transfers
0% for 18 Months*
5% cash back in bonus categories, 1% on everything else*
11.24% - 23.24%* (Variable)
updated last by: Charles Parker
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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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Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.