Add cards to start comparing.

Compare Cards

Balance Transfer Credit Cards

See offers from our partners below.

The Amex EveryDay® Credit Card from American Express

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.7/5.0 from 78 Offer Ratings
Over the Past 60 Days!

(78) Over the Past 60 Days!
  • Balance Transfer Fee $0 balance transfer fee.
  • Intro Balance Transfer APR 0% for 15 Months
  • Welcome Offer 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Annual Fee $0
  • Credit Needed 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.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.24% to 25.24%.
  • $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening.
  • No annual fee.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
  • 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.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Terms Apply.
  • See Rates & Fees

See additional details for The Amex EveryDay® Credit Card from American Express

More Info

Expand Details

HSBC Gold Mastercard® credit card

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.8/5.0 from 1,013 Offer Ratings
Over the Past 60 Days!

(1,013) Over the Past 60 Days!
  • Intro Purchase APR 0% for 18 months
  • Intro Balance Transfer APR 0% for 18 months
  • Rates and Fees No annual fee, no foreign transaction fee, and no penalty APR
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • 0% Intro APR on purchases and balance transfers for the first 18 months from Account opening.
  • Then a variable APR of 12.24%, 16.24% or 20.24% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.

See additional details for HSBC Gold Mastercard® credit card

More Info

Expand Details
Check Rates
compare personal loans with lendingtree - get one easy monthly payment

Our Partner

Compare Personal Loans with LendingTree - Get One Easy Monthly Payment

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

4.0/5.0 from 6 Offer Ratings
Over the Past 60 Days!

  • Low Interest Rates Escape high interest credit card debt with rates as low as 5.99%
  • One Simple Monthly Payment Stop juggling multiple payment dates on different credit cards
  • Boost Your Credit Score Raise your credit score over time by lowering balances on your credit cards
Expand 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 961 Offer Ratings
Over the Past 60 Days!

(961) Over the Past 60 Days!
  • Intro APR 0%* for 18 months on Balance Transfers*
  • Rewards Rate Earn 1% on Purchases & 1% on Payments
  • Regular Purchase APR 14.74% - 24.74%* (Variable)
  • Annual Fee $0*
  • Credit Needed Excellent, Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 888-343-4081 TTY: Use Relay Service
  • 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 14.74% - 24.74% 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

More Info

Expand Details

Discover it® - 18 Month Balance Transfer Offer

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

4.0/5.0 from 270 Offer Ratings
Over the Past 60 Days!

(270) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% for 18 Months*
  • Rewards Rate Up to 5% cash back in bonus categories, 1% on everything else*
  • Exclusive Bonus Offer Get a dollar-for-dollar match of all the rewards you've earned at the end of your first year, automatically*
  • Annual Fee $0
  • Credit Needed Excellent/Good Credit
  • Card Brand Discover

Highlights

  • Click "APPLY NOW" to apply online or call 888-333-5886
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically. 
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Plus, 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 free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more. 
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up. 
  • No annual fee
  • See Rates & Fees

See additional details for Discover it® - 18 Month Balance Transfer Offer

More Info

Expand Details

Chase Freedom Unlimited®

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.7/5.0 from 254 Offer Ratings

(254)
  • Introductory APR 0% for 15 months on purchases and balance transfers
  • Rewards Rate Unlimited 1.5% cash back on every purchase - it's automatic!
  • Regular APR 16.24% - 24.99% Variable
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • 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 16.24-24.99%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee

See additional details for Chase Freedom Unlimited®

More Info

Expand Details

Wells Fargo Platinum Visa® Card

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

4.0/5.0 from 329 Offer Ratings
Over the Past 60 Days!

(329) Over the Past 60 Days!
  • Introductory APR 0% for 15 months on purchases and balance transfers*
  • Low Fees Enjoy $0 Annual Fee
  • Ongoing APR 16.40%-26.24% (Variable)*
  • Annual Fee $0
  • Credit Needed Excellent
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • 0% Intro APR for 15 months on purchases and balance transfers, then a 16.40%-26.24% 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® 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® Card

More Info

Expand 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 Now" 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 Laura Rios

By: | May 3, 2016

I think that it is important to keep track of your credit. Being able to compare cards helps you get the best deal for your situation. Finding a card with a low interest rate is important. For that reason keeping up with the options that all the cards offer is important. Sticking with one card out of loyalty simply because you have had it for years is always going to be the best option for you.

Picture of Althea Ann

By: | Apr 28, 2016

Hi! I have excellent credit, but just recently made some large purchases. I'd like to transfer some balances and take a few months to pay them off. It looks like the QuicksilverOne is the only card currently offering a no-fee balance transfer, and the $39. annual fee is less than what it would cost to transfer to my existing Slate card at 2%. However, the QuicksilverOne says it's for people with bad credit. Will it hurt my credit to apply for the card? Is there any other reason I should not consider it?

Picture of Margaret Riley Gibson

By: | Apr 14, 2016

Are you able to transfer more than one credit card?

Picture of Corey Bender

By: | Apr 11, 2016

I am going through a divorce and my wife has wrecked my credit. I'm trying to get my finances back on track, but the interest is killing me. I only have fair credit. Is there a 0% APR card balance for 15-18 months that caters to fair credit?

1 Reply

By: CompareCards | Apr 11, 2016

Hi Corey,

With fair credit, your options will be pretty limited in terms of which balance transfer credit cards you can get approved for. One good option for fair credit is the Capital One QuicksilverOne. Once your credit score gets into the upper 600s, you should apply for the Chase Slate card which comes with 0% APR for 15 months.

Picture of Jill Lindvall

By: | Apr 1, 2016

Is there a reputable credit card I can apply for, transfer the balance from another credit card and earn travel miles? Everything that I found says it has to be a purchase. Surely there's a credit card company who does this. Any help is appreciated.

Picture of Patricia Robinson-McBride

By: | Mar 17, 2016

is there a credit card I can apply for with a balance transfer with not transfer fee for 18 months/

2 Replies

By: CompareCards | Mar 18, 2016

Hi Patricia,

There isn't a card that has 0% APR for 18 months as well as no balance transfer fee. However, two good offers that come close are the Chase Slate and the Citi Simplicity. The Chase Slate card has no fee for balance transfers made within the first 60 days and 0% APR for 15 months. The Citi Simplicity has the longest intro APR on the market with 0% for 21 months, but there is a 3% balance transfer fee. Neither card comes with an annual fee.

By: Valerie Migotti | Mar 21, 2016

Try USAA Discover card. No interest no balance transfer fees

Picture of Robbin Griffin

By: | Jan 20, 2016

I have a Chase Visa card that I need to do a balance transfer with. What would be the best credit card to apply for? I know you can't do balance transfers on the same company card. A 0% apr for 18 months with no transfer fees would be optimum but will settle for less. Thanks.

1 Reply

By: CompareCards | Jan 21, 2016

Hi Robbin,

There isn't any card that meets the specific requirements you've requested, but the Citi Simplicity comes with 0% APR for 21 months, no annual fee, and a 3% balance transfer fee.

Picture of Kat Renee

By: | Jan 14, 2016

If I already have one Citibank card, can I apply for a different Citi Card and transfer my balance and still be eligible for the 0% for a certain amount of months?

2 Replies

By: CompareCards | Jan 18, 2016

Hi Kat,

Unfortunately, you cannot transfer balances between credit cards issued by the same bank. Since you're current card is with Citi, you won't be able to transfer the balance to another Citi card. I would recommend the Chase Slate card for a balance transfer credit card. It offers 0% APR for 15 months and no fee for transfers made within the first 60 days!

By: Stephan George | Jan 27, 2016

Normally, balance transfer offers aren't available within the same bank. You would need to go to another institution.

Picture of Johnnie Silva

By: | Jan 12, 2016

I don't have an active bank account, is it possible to still apply for a oan or credit card.

1 Reply

By: Debbye Dyer | Apr 27, 2016

Probably not possible. I think use of a bank account shows them stability.

Picture of Robin Gersten

By: | Jan 7, 2016

Are there any other cards besides Chase Slate that don't have a transaction fee for balance transfers?

1 Reply

By: CompareCards | Jan 7, 2016

Hi Robin,

The Chase Slate card is not the only credit card that has no balance transfer fee, but it is the only one that also has no annual fee and a lengthy 0% intro APR. For more details, check out our latest blog post about credit cards with no balance transfer fee!

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.

Reviews
" " CompareCards says issuers are providing such generous deals, they're virtually irresistible for those willing to switch.

" " Those who always pay their balances in full and on time will usually come out ahead.

" " The offers on the credit card landscape are constantly changing which is great news for consumers.

" " In the future, the companies that will thrive are those able to give customers exactly what they want, the way they want it, when they want it.

" " CompareCards was one of three sites that met all the criteria.

Trusted & Secure
  • Empowering over
    50,000,000 card holders Since 2005

  • Norton Secured
Back to top ↑