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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 1,232 Offer Ratings
Over the Past 60 Days!

(1,232) 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.

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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 12.24% - 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*

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Citi® Double Cash Card – 18 month BT offer

 

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Your Rating:

4.4/5.0 from 998 Offer Ratings
Over the Past 60 Days!

(998) 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
  • Card Brand MasterCard

Highlights

  • Click "APPLY NOW" to apply online
  • 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

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Capital One® Quicksilver® Cash Rewards Credit Card

 

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3.7/5.0 from 131 Offer Ratings
Over the Past 60 Days!

(131) Over the Past 60 Days!
  • Introductory APR 0% for 9 months on balance transfers and purchases*
  • Rewards Rate Unlimited 1.5% Cash Back*
  • 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
  • Card Brand MasterCard

Highlights

  • Click "APPLY NOW" to apply online
  • One-time $100 cash bonus after you spend $500 on purchases within 3 months of approval
  • 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
  • 0% intro APR on purchases for 9 months; 13.24%-23.24% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.24%-23.24% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees

See additional details for Capital One® Quicksilver® Cash Rewards Credit Card

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Discover it® - 18 Month Balance Transfer Offer

 

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3.7/5.0 from 116 Offer Ratings
Over the Past 60 Days!

(116) 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 new bonus categories each quarter like gas, restaurants, Amazon.com 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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Blue Cash Everyday® Card from American Express

 

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Your Rating:

4.0/5.0 from 163 Offer Ratings
Over the Past 60 Days!

(163) 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 13.24%-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
  • Card Brand American Express

Highlights

  • Click "APPLY NOW" to apply online or call 866-901-8258
  • Apply by 1/11/2017- Earn 10% cash back on purchases at Amazon.com in the first 6 months, up to $200.
  • Plus, earn $100 back after you spend $1,000 in purchases on your new card within the first 3 months.
  • You will receive cash back in the form of statement credits.
  • Everyday Cash Back: 3% at U.S supermarkets on up to $6,000 per year in purchases (then 1%); 2% at U.S gas stations; 1% on other purchases. Terms and limitations apply.
  • 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. You can only earn cash back on eligible purchases.
  • 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 Blue Cash Everyday® Card from American Express

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Wells Fargo Platinum Visa® Credit Card

 

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Your Rating:

3.7/5.0 from 202 Offer Ratings
Over the Past 60 Days!

(202) 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, after that the variable APR will be 15.40%-25.24%
  • 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
  • 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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Chase Slate®

 

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Your Rating:

3.8/5.0 from 553 Offer Ratings
Over the Past 60 Days!

(553) 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
  • 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

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Citi Simplicity® Card - No Late Fees Ever

 

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Your Rating:

3.8/5.0 from 765 Offer Ratings
Over the Past 60 Days!

(765) 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
  • 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 13.24% - 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

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BankAmericard® Credit Card

 

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Your Rating:

3.9/5.0 from 223 Offer Ratings
Over the Past 60 Days!

(223) 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 11.24% - 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
  • 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 11.24% - 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
  • 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
  • If you apply for a card over the phone and are approved, our representatives can transfer your balance over the phone
  • Access your FICO® Score for free within Online and Mobile Banking

See additional details for BankAmericard® Credit Card

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The Amex EveryDay® Credit Card from American Express

 

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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!
  • Introductory APR 0% for 12 months on balance transfers and purchases*
  • Welcome Offer Earn 10,000 MR points after you spend $1,000 in the first 3 months*
  • 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/Good
  • Card Brand American Express

Highlights

  • Click "APPLY NOW" to apply online or call 866-901-8258
  • 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

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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 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!

Picture of Ana Snyder Parker

By: | Nov 5, 2016

I have a credit score of 783. CC balance is $6,200. I want to transfer balance to another card. It would be great to also get rewards. What do you suggest?

1 Reply

By: CompareCards | Nov 8, 2016

With a credit score in the high 700s, your credit is considered excellent and you have a good chance of getting approved for any card you like. Two credit cards that are both great options for balance transfers and earning cash back on purchases are the Citi Double Cash and the Discover It. Both cards offer generous cash back rewards and 0% intro APR on balance transfers for 18 months.

Picture of Dick Landis

By: | Nov 2, 2016

With the Chase Slate card, can you transfer balances from other Chase cards?

1 Reply

By: CompareCards | Nov 2, 2016

You cannot transfer a balance to the Chase Slate card from another Chase card. This rule is not specific to Chase credit cards; as an industry rule you cannot transfer credit balance between credit cards issued by the same banks.

Picture of Michelle Diane Crochet

By: | Nov 1, 2016

I have a credit score of 650 and I want to transfer $6500 which card is the best

2 Replies

By: CompareCards | Nov 2, 2016

With a score of 650, your credit is considered fair and the selection of balance transfer credit cards you can get approved for will be somewhat limited. The Capital One QuicksilverOne may be the best option for you as it comes with a nice 0% intro APR and is available for people in your credit range.

By: Miguel Cordero | Nov 4, 2016

Citi simplicity is the best option

Picture of Geralyn Hellmann

By: | Oct 30, 2016

I have $23,000 that I would like to transfer to one card. My credit score is 775 to 800. Which is the best 0%, no transfer fee credit card to use. Thank you.

1 Reply

By: Miguel Cordero | Nov 4, 2016

Citi simplicity is the best one

Picture of Jordan Hilkey

By: | Oct 25, 2016

Looking to transfer about 3k total to a card that does NOT require the entire card to be paid off each month. I just want to make minimum payments each month without being charged interest.

1 Reply

By: CompareCards | Oct 26, 2016

There are a number of credit cards that have 0% introductory APR on balance transfer for a period of time, though you will typically need good or excellent credit to get approved for the best offers. The Citi Simplicity and the Citi Diamond Preferred each offer 0% intro APR for 21 months which is the longest intro APR on the market. Another great option is the Chase Slate card which comes with 0% intro APR for 15 months and no fee for balance transfers made within the first 60 days.

Picture of Camille Serignese

By: | Oct 25, 2016

I want to transfer $12,480.00 to another card with no interest and fastest way to pay down. I believe my credit score is 615. What credit card would be right for me?

1 Reply

By: CompareCards | Oct 26, 2016

With a credit score in the low 600s, your options for a balance transfer credit card will be somewhat limited and it may be difficult for you to get approved for a line of credit high enough to transfer your entire balance onto one card. The Capital One QuicksilverOne is a good option that you should consider as it comes with a nice intro APR or 0% and is available for consumers with fair credit.

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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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