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Balance Transfer Credit Cards

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Citi® Diamond Preferred® Card

 

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Your Rating:

4.2/5.0 from 1,603 Offer Ratings
Over the Past 60 Days!

(1,603) Over the Past 60 Days!
  • Intro BT APR 0% for 21 Months*
  • Intro Purchase APR 0% for 21 Months*
  • Regular Purchase APR 12.49% - 22.49%* (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.

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    Excellent/Good
  • Card Brand Mastercard

Highlights

  • Click "APPLY NOW" to apply online or call 877-836-4537 TTY: Use Relay Service
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 12.49% - 22.49% 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 137 Offer Ratings
Over the Past 60 Days!

(137) 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*
  • Exclusive Bonus Offer Discover will match all the cash back you earn your first year*
  • 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
  • Card Brand Discover

Highlights

  • Click "APPLY NOW" to apply online or call 888-333-5886
  • 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 rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time 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.
  • Get your FICO® Credit Score for free on monthly 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 Simplicity® Card - No Late Fees Ever

 

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Your Rating:

3.8/5.0 from 540 Offer Ratings
Over the Past 60 Days!

(540) Over the Past 60 Days!
  • Intro BT APR 0% for 21 Months*
  • Intro Purchase APR 0% for 21 Months*
  • Regular Purchase APR 13.49% - 23.49% (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
  • Card Brand Mastercard

Highlights

  • Click "APPLY NOW" to apply online or call 877-886-4537 TTY: Use Relay Service
  • 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 13.49% - 23.49% 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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BankAmericard® Credit Card

 

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Your Rating:

3.9/5.0 from 243 Offer Ratings
Over the Past 60 Days!

(243) Over the Past 60 Days!
  • Intro BT APR 0% for qualifying transfers for 18 billing cycles
  • Bonus Perks No annual fee and a free FICO® score
  • Regular APR 11.49% - 21.49% 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
  • Card Brand Mastercard

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 11.49% - 21.49% Variable APR
  • Balance transfer fee of either 3% of the amount of the transfer or $10 (whichever is greater) applies
  • No annual fee
  • Saves you more on interest when you transfer balances from higher rate credit cards
  • $0 Liability Guarantee, so you're not responsible for any fraudulent charges made on your account
  • Access your FICO® Score for free within Online and Mobile Banking
  • 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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Chase Slate®

 

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Your Rating:

3.8/5.0 from 670 Offer Ratings
Over the Past 60 Days!

(670) Over the Past 60 Days!
  • Balance Transfer Fee No Fee for the First 60 Days*
  • Intro APR 0% for 15 Months*
  • Regular Purchase APR 15.49% - 24.24% 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
  • Card Brand Visa

Highlights

  • Click "APPLY NOW" to apply online
  • $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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Wells Fargo Platinum Visa® Credit Card

 

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Your Rating:

3.7/5.0 from 265 Offer Ratings
Over the Past 60 Days!

(265) Over the Past 60 Days!
  • Introductory APR 0% for 15 months on purchases and balance transfers*
  • Low Fees Enjoy $0 Annual Fee
  • 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
  • Card Brand Visa

Highlights

  • Click "APPLY NOW" to apply online
  • 0% Intro APR for 15 months on purchases and balance transfers, then a 15.65%-25.49% variable APR; balance transfer fees apply
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa® Credit Card
  • Free access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions

See additional details for Wells Fargo Platinum Visa® Credit Card

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Blue Cash Everyday® Card from American Express

 

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Your Rating:

3.8/5.0 from 340 Offer Ratings
Over the Past 60 Days!

(340) Over the Past 60 Days!
  • Introductory APR 0% for 12 months on balance transfers and purchases*
  • Welcome Offer Earn $100 back after you spend $1,000 in the first 3 months*
  • Regular Purchase APR 13.49%-23.49% 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
  • Card Brand American Express

Highlights

  • Click "APPLY NOW" to apply online or call 866-901-8258
  • Earn $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive cash back in the form of statement credits.
  • Earn Cash Back: 3% at U.S. supermarkets on up to $6,000 per year in purchases, 2% at U.S. gas stations & select U.S. dept stores, 1% on other purchases. Terms and limitations apply.
  • Simple and straightforward: With the Blue Cash Everyday 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.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.49% to 23.49%, 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

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*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 Kay Pee Krishna Prasadh

By: | Jan 8, 2017

I would like to book air tickets for my travel in may. which card is recommended to have any benefits..?

1 Reply

By: CompareCards | Jan 11, 2017

There are many airline credit cards that could be a good fit for you booking travel. The Chase Sapphire Preferred is a very popular travel rewards credit card and it comes with a big sign up bonus of 50,000 points after you spend $4,000 in the first 3 months. Two more great options would be the Discover it Miles and the BankAmericard Travel Rewards; both these cards earn an unlimited 1.5 points per dollar!

Picture of Jeff Bittner

By: | Jan 5, 2017

I need to transfer about 12,000 and have a credit score of 725. I need a card that has at least a 12 month no interest fee.

1 Reply

By: CompareCards | Jan 5, 2017

With a score of 725, your credit is considered "good" and there are a number of solid balance transfer credit cards you could potentially get approved for. One of the best options is the Chase Slate card which comes with 0% intro APR for 15 months and no fee for balances transfers made within the first 60 days!

Picture of Philomena Davis

By: | Dec 17, 2016

I have several credit cards. I believe if I consolidate them maybe my payments would be lower?

1 Reply

By: CompareCards | Dec 19, 2016

If you transfer your balance onto one card with a 0% intro APR, it might not necessarily make your payment lower, but it could help you pay off your balance much quicker. This is because during the introductory period, your entire payment goes towards paying down the principle of your balance!

Picture of Bob Mills

By: | Dec 16, 2016

I have 6500 in a Discover card acct - I want to move to 0% balance transfer - what are the best options? I have a Citi Card for 2900 and a Wells Fargo for 5000 - both 0% for a number of months. can I break the 6500 into these two to reduce my payments.

1 Reply

By: CompareCards | Dec 16, 2016

If your Citi and Wells Fargo cards with 0% intro APR will allow you to transfer portions of your balance from your Discover card, then that is certainly a good strategy to pay down your balance faster!

Picture of Sabera Badani

By: | Dec 9, 2016

I have about $22000.00 that I want to transfer to a 0% credit card for about 21 months with no transfer fee. My credit score is about 720

1 Reply

By: CompareCards | Dec 12, 2016

The Citi Simplicity and the Citi Diamond Preferred both offer 0% intro APR for 21 months on balance transfers, so one of these two cards will be your best option. With a score of 720, your credit is considered good, but not quite excellent, so it is not guaranteed that you will get approved for the full line of credit you are looking for.

Picture of Sami Jean

By: | Dec 8, 2016

I have a 742 credit score. I am looking to transfer a balance of about $7,000. The balance is on a chase card, so the Chase Slate is not an option for me. I am looking for no or very low balance transfer fee and no interest for at least 9 months, preferably more than a year. I also need a card that does not require you to pay off the balance each month to maintain 0% interest. (i.e. the Citi Double Cash- if I could pay it off next month I wouldn't need the balance transfer).

1 Reply

By: CompareCards | Dec 9, 2016

With a score of 742, your credit is considered good/excellent and you have a good chance of getting approved for a good balance transfer credit card. The Chase Slate is the only card that offers no intro balance transfer fee and a 0% intro APR over a year. Another good balance transfer option for you would be the Citi Simplicity or the Citi Diamond Preferred. Each of these cards offer 0% intro APR for 21 months on balance transfers!

Picture of Bill Reed

By: | Nov 28, 2016

I have a credit score of 617 and a balance of $2500 what card would be best for me?

1 Reply

By: CompareCards | Nov 28, 2016

With a credit score in the low 600s your credit is considered poor/fair. Check out out pages for credit cards for poor credit and credit cards for credit cards for fair credit to see all the best options!

Picture of Nicole Champion

By: | Nov 28, 2016

How do I transfer the balances of credit cards? I have about 2300 in cards and my score is low

1 Reply

By: CompareCards | Nov 28, 2016

If you have a low credit score, it may be difficult for you to get approved for the best balance transfers credit cards. One good option for balance transfers that is available for consumers with fair credit is the Capital One QuicksilverOne!

Picture of Crystal Buehler

By: | Nov 24, 2016

I am looking for a card with no fee for transfers. The only one I see on this site is Chase Slate, and I already have a card with them - so they can't help me. Do you know of others with no transfer fee?

1 Reply

By: CompareCards | Nov 28, 2016

The Chase Slate is certainly an excellent option for a balance transfer credit card, but unfortunately, you cannot transfer a between credit cards issued by the same bank. Two other cards that have no balance transfer fee are the Barclaycard Ring MasterCard and the Capital One QuicksilverOne.

Picture of Hallon Clark

By: | Nov 21, 2016

I need to transfer about $7,500 (2 cards) to consolidate & save interest/money. Credit score is 725. Would like 0% on transfer for 18-21 months with no annual fee & no balance transfer fee. Which card would you suggest for/with such options?

1 Reply

By: CompareCards | Nov 22, 2016

There is not one card that meets all of the criteria you are looking for, but a few credit cards come very close! The Citi Diamond Preferred and Citi Simplicity each have 0% intro APR for 21 months, but they also come with a 3% balance transfer fee. Another great choice is the Chase Slate card which offers 0% intro APR for 15 months and no fee for balance transfers made within the first 60 days! All of these cards have no annual fee, and with a score in the mid 700s you have a good shot of getting approved!

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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.

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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