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Balance Transfer Credit Cards

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Discover it® - 18 Month Balance Transfer Offer

 

Rated 4.5/5 stars by our editorial team

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3.8/5.0 from 899 Offer Ratings
Over the Past 60 Days!

(899) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% for 18 Months*
  • Rewards Rate Earn 5% cash back at different places each quarter up to the quarterly maximum, when you activate*
  • Ongoing APR 13.49% - 24.49% Variable*
  • 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, earn unlimited 1% cash back on all other purchases – automatically. 
  • Redeem cash back any amount, any time. 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

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The Amex EveryDay® Credit Card from American Express

 

Rated 5/5 stars by our editorial team

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4.3/5.0 from 2,286 Offer Ratings
Over the Past 60 Days!

(2,286) Over the Past 60 Days!
  • Balance Transfer Fee $0 balance transfer fee.
  • Intro Balance Transfer APR 0% for 15 Months
  • Intro Purchase APR 0% for 15 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 14.49% to 25.49%.
  • $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening.
  • 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.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees

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Bank of America® Cash Rewards Credit Card

 

Rated 4.5/5 stars by our editorial team

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3.7/5.0 from 900 Offer Ratings
Over the Past 60 Days!

(900) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days
  • Intro Purchase APR 0% Introductory APR on purchases for 12 billing cycles
  • Regular APR 14.49% - 24.49% Variable APR on purchases and balance transfers
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 800-716-6383
  • No annual fee 
  • $150 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 wholesale clubs, and 3% on gas for 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, 14.49% - 24.49% 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% 
  • Easily add your Mastercard® credit card to any digital wallet for a simple, secure, and convenient way to pay online, in-app, and in-store

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Citi Simplicity® Card - No Late Fees Ever

 

Rated 4/5 stars by our editorial team

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3.9/5.0 from 249 Offer Ratings
Over the Past 60 Days!

(249) Over the Past 60 Days!
  • Intro Purchase APR 0%* for 18 months on Purchases*
  • Intro BT APR 0%* for 18 months on Balance Transfers*
  • Regular Purchase APR 15.49% - 25.49%* (Variable)
  • Annual Fee $0*
  • Credit Needed 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 18 months. After that, the variable APR will be 15.49% - 25.49% based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 5% 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

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Citi® Double Cash Card – 18 month BT offer

 

Rated 5/5 stars by our editorial team

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4.4/5.0 from 1,420 Offer Ratings
Over the Past 60 Days!

(1,420) 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 14.99% - 24.99%* (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 14.99% - 24.99% 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*

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Wells Fargo Platinum Visa® Card

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.9/5.0 from 669 Offer Ratings
Over the Past 60 Days!

(669) Over the Past 60 Days!
  • Introductory APR 0% for 15 months on purchases and balance transfers*
  • Low Fees Enjoy $0 Annual Fee
  • Ongoing APR 16.65%-26.49% (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 16.65%-26.49% 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® 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

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Citi® Diamond Preferred® Card– 21 Month Balance Transfer Offer

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.3/5.0 from 460 Offer Ratings
Over the Past 60 Days!

(460) Over the Past 60 Days!
  • Intro Purchase APR 0%* for 12 months on Purchases*
  • Intro BT APR 0%* for 21 months on Balance Transfers*
  • Regular Purchase APR 14.49% - 24.49%* (Variable)
  • Annual Fee $0*
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 877-836-4537 TTY: Use Relay Service
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that the variable APR will be 14.49% - 24.49%, based on your creditworthiness*
  • 0% Intro APR on purchases for 12 months from date of account opening. After that the variable APR will be 14.49% - 24.49%, based on your creditworthiness*
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • $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– 21 Month Balance Transfer Offer

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Chase Freedom Unlimited®

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 749 Offer Ratings

(749)
  • 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 16.49% - 25.24% 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 16.49-25.24%. 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
  • Free credit score, updated weekly with Credit JourneySM
  • No annual fee

See additional details for Chase Freedom Unlimited®

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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.

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.

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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.

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.

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