Add cards to start comparing.

Compare Cards

Balance Transfer Credit Cards

See offers from our partners below.

Chase Slate®

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.8/5.0 from 709 Offer Ratings
Over the Past 60 Days!

(709) 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®

View Details

BankAmericard® Credit Card

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.8/5.0 from 304 Offer Ratings
Over the Past 60 Days!

(304) 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

View Details

Citi® Diamond Preferred® Card

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

4.2/5.0 from 1,220 Offer Ratings
Over the Past 60 Days!

(1,220) 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

View Details

Discover it® - 18 Month Balance Transfer Offer

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.7/5.0 from 141 Offer Ratings
Over the Past 60 Days!

(141) 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 and more - up to $1500 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

View Details

Citi Simplicity® Card - No Late Fees Ever

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.8/5.0 from 588 Offer Ratings
Over the Past 60 Days!

(588) 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

View Details

BankAmericard Cash Rewards™ Credit Card

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.8/5.0 from 328 Offer Ratings
Over the Past 60 Days!

(328) 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

View Details

Wells Fargo Platinum Visa® Credit Card

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.7/5.0 from 132 Offer Ratings
Over the Past 60 Days!

(132) 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

View Details

Chase Freedom Unlimited℠

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.9/5.0 from 555 Offer Ratings

(555)
  • Rewards Rate Earn unlimited 1.5% cash back on all purchases
  • 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
  • New! 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℠

View Details

The Amex EveryDay® Credit Card from American Express

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.9/5.0 from 335 Offer Ratings
Over the Past 60 Days!

(335) 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

View Details

Citi® Double Cash Card – 18 month BT offer

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

4.4/5.0 from 1,174 Offer Ratings
Over the Past 60 Days!

(1,174) 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

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 Here" button and review info on the secure credit card terms page.

Share your experiences, tips and tricks with us!

Let others learn from your experience. Ask questions. Share your thoughts and opinions about credit cards.

There is nothing we value more than the opinions of our customers. We encourage open discussions among all users and hope we can all share advice. Please keep our site clean and safe by following our posting guidelines and please, don’t disclose personal information like your credit card numbers or account information.

Community Conversation

Thank you. Your comment has been submitted and is pending editorial review.
card loader

Sort by:

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.

Picture of Valerie Laino Vitale

By: | Jun 15, 2016

I have about 6, 000 in credit card debt. Can I transfer this much to a 0% card. My credit score is in the high 600's

1 Reply

By: CompareCards | Jun 20, 2016

With a score in the high 600s, your credit is considered good and there are a number of balance transfer credit cards you have a good shot of getting approved for. The Chase Slate card would be the best place to start as it offers 0% intro APR for 15 months an no fee for balance transfers made within the first 60 days. The line of credit you are approved for will depend on your creditworthiness, so there is no guarantee you will be approved for a $6,000 transfer before you apply. However, with 0% intro APR, it would still be in your best interest to transfer what you can.

Picture of Laura Larson Orologio

By: | May 19, 2016

I already have 2 of the cards listed above. Can I get the balance transfer rate on a card I already have? THANKS!

1 Reply

By: CompareCards | May 25, 2016

Hi Laura,

It is extremely unlikely that your credit card company will lower your interest rate for you to perform a balance transfer. Balance transfer intro rates are offered to attract to customers, so if you need to transfer a balance and want to take advantage of a 0% intro APR, you'll need to open a new credit card account.

Picture of Stuart Droker

By: | May 8, 2016

Which card offers 0% charge for the transfer and has the longest payback period

1 Reply

By: CompareCards | May 9, 2016

Hi Stuart,

The Chase Slate card charges no transfer fee for balance transfers made within the first 60 days and it also comes with 0% intro APR for 15 months.

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.

Featured On
  • CNN Money logo
  • Forbes logo
  • The Wall Street Journal logo
  • USA Today logo
  • The New York Times logo
  • PBS logo
Trust & Security
  • Norton Secured
  • BBB logo
  • DigiCert
Back to top ↑