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

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

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

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 Joanne Robinson

By: | Jan 4, 2016

I applied for a Citi Bank MasterCard and was approved . The balance I need to transfer is more than I was approved for can I cancel the card?

2 Replies

By: CompareCards | Jan 6, 2016

Hi Joanne,

You can certainly cancel the card if you choose. However, depending on your situation, it may be wise to leave it open. If the card you applied for has a 0% APR on balance transfers and you're currently paying a high interest rate, you could still save a lot of money by transferring a portion of that balance over to your new Citi card. Although it is not ideal, it would still help you avoid interest charges on part of your balance. You could consider applying for another offer with 0% APR, like the Chase Slate, to help pay off the rest of your balance.

By: Stephan George | Jan 27, 2016

My opinion? Call them and tell them the circumstances. They may increase the credit line if they know the reason you are opening the card is to transfer debt to them and not create it. Worth a try.

Picture of Candy Norvell

By: | Jan 2, 2016

I have all of the cards. Should I close out my slate card which has a zero balance and then re-open it to transfer a balance on an Amex card over? How long do I have to have the slate closed before I can re-apply? And does closing that slate card affect my credit score? How do you do cash advances? Do you have to have a new card for cash advances as well?

1 Reply

By: Stephan George | Jan 27, 2016

first of all, I would never close a card. one of the factors that effect your credit rating is the ratio of used credit to open credit. second, I would call chase and ask them -- they don't want to see you go somewhere else. third, if you are considering chase, I would look at the Bank of America cards (one is a better balance card, which gives you a bonus payment of $25(?) every quarter if you always pay more than the limit. I am not sure if that applies if you have nothing due, but it's sure worth a try!

Picture of Jennifer Foote

By: | Jan 2, 2016

Was looking for a good card to transfer balances to. I was looking a lot say 0% interest for a time but below it says 3% interest on balance transfers. So I'm a little confused.

1 Reply

By: CompareCards | Jan 6, 2016

Hi Jennifer,

The 3% number that you are seeing is referring to the balance transfer fee, not the interest rate. For example, the Citi Simplicity offers 0% APR for 21 months, but it comes with a 3% balance transfer fee. This means that if you transfer $1,000 to this card, you will be changed a fee of $30, making your total balance $1,030. But since you will have 21 months to pay this balance down totally interest free, you will still save a lot of money as opposed to attempting to pay it down on a card with a high interest rate.

Picture of Will Nolan

By: | Dec 3, 2015

Capital one is a very good card .they gave me a card for 300 to start and now have 2 cards quicksilver and my first card with ample credit and I started out with no credit, and started completely from scratch ...thank you capital one

1 Reply

By: Debbye Dyer | Mar 14, 2016

I have the Quicksilver card. How long was it before they issued you a second card with a higher limit?

Picture of Abe Gray

By: | Dec 1, 2015

I had a Chase Slate card and recently closed the account. Can I apply as a "new" account holder and get the introductory offer? Is there a set timeframe to pass before I would be considered a new customer?

1 Reply

By: CompareCards | Dec 2, 2015

Hi Abe,

The terms on the application for the Chase Slate are not 100% clear on whether or not you will be able to receive the promotional financing offer a second time, but it seems unlikely. Here is the section of their Terms and Conditions that most closely referred to your question:

"Chase cardmembers currently receiving promotional pricing, or Chase cardmembers with a history of only using their current or prior Chase card for promotional pricing offers, are not eligible for a second Chase credit card with promotional pricing."

Picture of Frances Vonkannon

By: | Nov 25, 2015

I would like a capitol one card , but not sure what one to get

1 Reply

By: CompareCards | Nov 26, 2015

Hi Frances,

Capital One has a number of excellent credit cards depending on what you are looking for. If you want travel rewards, the Capital One VentureOneis a great choice. The Capital One Quicksilver an excellent cash back program.

Picture of Regina Pexton

By: | Nov 17, 2015

I already have the Chase Slate card and was going to transfer 4 of my other card balances over to it. When I called in I was told there is a 2% balance transfer fee. Can I get the 0 fee and 0% if I already have a card?

1 Reply

By: CompareCards | Nov 17, 2015

Hi Regina,

The attractive balance transfer offer on the Chase Slate card is only available to new customers. There is no intro balance transfer fee for transfers made within the first 60 days, so if you've had the card longer than 60 days, then you'll have to pay a transfer fee. Also, there is 0% intro APR for the first 15 months, so if you're past that time period, then you will pay your standard APR on any new balance transfers.

Picture of Editha C Teves

By: | Nov 16, 2015

I have already capital one. In fact they sent me a $35,000 for a car purchase. Thank you!

Picture of Valeria Cole Veit

By: | Nov 15, 2015

Can you transfer $ from a card not in your name, to a card in your name.

1 Reply

By: CompareCards | Nov 15, 2015

Hi Valeria,

Yes, you can transfer a balance from someone else's credit card to a card in your name. However, this is an extremely risky proposition. Once the debt is transferred onto a card in your name, you become 100% responsible for the payment of the debt.

Picture of Helenisa Coutinho

By: | Nov 6, 2015

I truly like the Chase Slate. I done transfer other credit cards to and I am striving to keep all payments done up. But here is one of the greatest Snafu I got myself into. I married a bon-vivant that likes all the best and pays VERY SLOWLY when he pays. So I was a good working nurse paying all my bills and no credit cards PER SE till my Knight of disasters arrived ( well I allowed myself to right? Yes, at present I am looking at about U$ 7,000.00 with credit cards bills all incurred by my estranged beloved husband. The cards are in my name (legally I owe it right?) however my question is there any way that I may enforce him to pay those charges in my name but has his name as whom made the charges? because I noted many those charges says his name as the purchaser. Anyone to educate me about this?

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 ↑