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Balance Transfer Credit Cards

3.3 - 8,298 reviews for top rated card - Over the Past 60 Days!

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0% Balance Transfer Credit Cards – Credit Card Balance Transfer Offers
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3.1/5.0 from 8,513 Cardholder Reviews Over the Past 60 Days!

 
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Intro Purchase APR

0% for 21 Months*

Intro BT APR

0% for 21 Months*

Regular Purchase APR

12.99%-22.99%* (Variable)

Sign Up Offer
Intro Purchase APR 0% for 21 Months*
Intro Balance Transfer: 0% for 21 Months*
Ongoing Information
Regular Purchase APR: 12.99%-22.99%* (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
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.
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Your Rating:

3.3/5.0 from 8,298 Cardholder Reviews Over the Past 60 Days!

 
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or call 877-836-4537

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Intro Purchase APR

0% for 21 Months*

Intro BT APR

0% for 21 Months*

Regular Purchase APR

11.99%-21.99%* (Variable)

Sign Up Offer
Intro Purchase APR 0% for 21 Months*
Intro Balance Transfer: 0% for 21 Months*
Ongoing Information
Regular Purchase APR: 11.99%-21.99%* (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 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*
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Your Rating:

3.1/5.0 from 6,360 Cardholder Reviews Over the Past 60 Days!

 
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Intro Purchase APR

0% for 15 Months*

Intro BT APR

0% for 15 Months*

Regular Purchase APR

12.99%, 17.99%, 22.99% Variable

Sign Up Offer
Intro Purchase APR 0% for 15 Months*
Intro Balance Transfer: 0% for 15 Months*
Ongoing Information
Regular Purchase APR: 12.99%, 17.99%, 22.99% 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!
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.
  • $0 Annual Fee
  • NEW Free Monthly FICO® Score and Credit Dashboard
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Your Rating:

3.3/5.0 from 6,218 Cardholder Reviews Over the Past 60 Days!

 
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Rewards Rate

The card that earns you cash back twice on every purchase*

Intro Purchase APR

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

Regular Purchase APR

12.99%-22.99%* (Variable)

Sign Up Offer
Intro Purchase APR 0% APR for 15 Months
Intro Balance Transfer: 0% APR for 15 Months
Ongoing Information
Regular Purchase APR: 12.99%-22.99%* (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!
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
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Your Rating:

3.2/5.0 from 5,334 Cardholder Reviews Over the Past 60 Days!

 
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or call 800-716-6383

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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

Sign Up Offer
Intro Purchase APR 0% for purchases for 12 billing cycles*
Intro Balance Transfer: 0% for qualifying balance transfers for 12 billing cycles*
Ongoing Information
Regular Purchase APR: 12.99% - 22.99% Variable* on purchases & 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
Highlights
  • Click "APPLY NOW" to apply online or call 800-716-6383
  • Online-exclusive $100 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 store and gas purchases each quarter
  • No annual fee†
  • No changing categories and your rewards do not expire
  • Bank of America customers: Get a 10% customer bonus every time you redeem cash back into a Bank of America® checking or savings account
  • 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
More Card Details

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.1/5.0 from 6,873 Cardholder Reviews Over the Past 60 Days!

 
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or call 800-483-4499

Apply Securely

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

Sign Up Offer
Intro Purchase APR 0% for purchases for 15 billing cycles*
Intro Balance Transfer: 0% for qualifying balance transfers for 15 billing cycles*
Ongoing Information
Regular Purchase APR: 10.99% - 20.99% Variable* on Purchases & 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
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
  • No annual fee†
  • The perfect card for those seeking a simple yet convenient-to-use credit card
  • Our $0 Liability Guarantee, so you're not responsible for any fraudulent charges made on your account
  • Chip technology for enhanced security at chip-enabled merchant terminals 
More Card Details

 

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Your Rating:

3.1/5.0 from 4,460 Cardholder Reviews Over the Past 60 Days!

 
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Reward

$100 Bonus*

Intro Purchase APR

0% for 15 months on purchases and BTs*

Regular Purchase APR

13.99%-22.99% Variable*

Sign Up Offer
Intro Purchase APR 0% for 15 months on purchases and BTs*
Intro Balance Transfer: 0% for 15 months on purchases and BTs*
Ongoing Information
Regular Purchase APR: 13.99%-22.99% 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!
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%
  • 5% Cash Back on up to $1,500 in combined purchases between 4/1/15–6/30/15 at Restaurants, Bed Bath & Beyond®, H&M®, and Overstock.com®.
  • 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!
  • Unlimited 1% Cash Back on all other purchases
  • No annual fee and rewards never expire as long as your account is open
More Card Details

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.1/5.0 from 5,689 Cardholder Reviews Over the Past 60 Days!

 
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Intro Balance Transfer APR

0%* for 18 Months

Bonus Rewards

Earn 5% Cash Back*

Regular Purchase APR

10.99% - 22.99%* (Variable)

Sign Up Offer
Intro Purchase APR 0%* for 6 Months
Intro Balance Transfer: 0% for 18 Months
Ongoing Information
Regular Purchase APR: 10.99% - 22.99%* (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
  • 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.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances and balance transfers. Freeze or unfreeze your account in seconds via our website or mobile app.*
  • 5% cash back in categories that change each quarter up to the quarterly maximum when you sign up.* Plus, 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • No annual fee, no late fee for your first late payment, APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • 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, balance transfer terms and other info by clicking "Apply."
More Card Details

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.2/5.0 from 1,237 Cardholder Reviews Over the Past 60 Days!

 
About our ratings Show Card Details
Apply Now

or call 888-909-5733

Apply Securely

Intro Purchase APR

0% APR on purchases until February 2016

Rewards Rate

Earn 1.5% Cash Back on all Purchases*

Regular Purchase APR

12.9% - 22.9% (Variable)

Sign Up Offer
Intro Purchase APR 0% intro on purchases until February 2016
Intro Balance Transfer: 0% intro on balance transfers until February 2016
Ongoing Information
Regular Purchase APR: 12.9% - 22.9% (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 888-909-5733
  • 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 February 2016; 12.9%-22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until February 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
More Card Details

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Picture of Robert Bee
 

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

2 Comments

Try the Lending Club.

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!

Picture of Sherry Walker
 

do you know a creditcard for people with bad credit

1 Comment

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 Rick Sands Sr.
 

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

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 Linda Shepherd
 

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

Picture of Ruth Elaine Anderson
 

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?

Picture of Kenny Tornabene
 

I currently have 5 active cards . I want to combine them all into one debt . How can I do that ?

Picture of Prem Arjoon
 

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 Laura Reyes
 

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 Rene Lizardo
 

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 /

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.

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