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Balance Transfer Credit Cards

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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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4.2/5.0 from 1,273 Offer Ratings
Over the Past 60 Days!

(1,273) 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 14.74% - 24.74%* (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 14.74% - 24.74%, based on your creditworthiness* 
  • 0% Intro APR on purchases for 12 months from date of account opening. After that the variable APR will be 14.74% - 24.74%, 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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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 2,211 Offer Ratings
Over the Past 60 Days!

(2,211) Over the Past 60 Days!
  • Balance Transfer Fee $0 balance transfer fee.
  • Intro Balance Transfer APR 0% for 15 Months, then 14.74%-25.74% Variable
  • Rewards Rate 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x), 1x points on other purchases.
  • 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 14.74% to 25.74%.
  • $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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Wells Fargo Platinum Visa® Card

 

Rated 4/5 stars by our editorial team

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4.0/5.0 from 397 Offer Ratings
Over the Past 60 Days!

(397) Over the Past 60 Days!
  • Introductory APR 0% for 18 months on purchases and balance transfers*
  • Low Fees Enjoy $0 Annual Fee
  • Ongoing APR 16.90%-26.74% (Variable)*
  • Annual Fee $0
  • Credit Needed Excellent
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • 0% Intro APR for 18 months on purchases and balance transfers, then a 16.90%-26.74% 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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Discover it® Balance Transfer

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 604 Offer Ratings
Over the Past 60 Days!

(604) 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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BankAmericard® Credit Card

 

Rated 4.5/5 stars by our editorial team

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3.9/5.0 from 280 Offer Ratings
Over the Past 60 Days!

(280) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% Intro APR for 15 billing cycles for balance transfers made in the first 60 days
  • Intro Purchase APR 0% Introductory APR on purchases for 15 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 800-483-4499
  • 0% Introductory APR for 15 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 
  • No annual fee 
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply. 
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app

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Capital One® Quicksilver® Card - 0% Intro APR for 15 Months

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.9/5.0 from 542 Offer Ratings
Over the Past 60 Days!

(542) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% for 15 months on balance transfers and purchases
  • Rewards Rate Unlimited 1.5% Cash Back on every purchase, every day
  • Regular Purchase APR 14.49% - 24.49% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • 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 won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 14.49%-24.49% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.49%-24.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees

See additional details for Capital One® Quicksilver® Card - 0% Intro APR for 15 Months

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Citi Simplicity® Card - No Late Fees Ever

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 647 Offer Ratings
Over the Past 60 Days!

(647) 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 15.74% - 25.74%* (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 15.74% - 25.74% 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

See additional details for Citi Simplicity® Card - No Late Fees Ever

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Chase Freedom Unlimited®

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.9/5.0 from 514 Offer Ratings

(514)
  • 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 Journey℠
  • No annual fee

See additional details for Chase Freedom Unlimited®

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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 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?

Picture of Linda Adams

By: | Nov 5, 2015

Only one card in the "balance transfer" list says "no transfer fee." Does that mean all the rest have an initial transfer fee, then 0% APR for the duration of the agreement?

1 Reply

By: CompareCards | Nov 6, 2015

Hi Linda,

That is correct. The Chase Slate card is the only credit card that offer no intro balance transfer fee, no annual fee, and an intro 0% APR for 15 months. With the combination of those three things, we consider it the best balance transfer credit card on the market!

The Citi Simplicity is another great option, too. Although it does come with a 3% transfer fee, the intro APR is 0% for 21 months, which is the longest term available.

Picture of Evangelist Jenn Pharr-Andrews

By: | Nov 3, 2015

I have poor credit and I am trying to rebuild. I wish there was a company that would give me another chance, with low interest rates.

3 Replies

By: CompareCards | Nov 3, 2015

Hi Jenn,

Unfortunately, you typically need good or excellent credit to get approved for credit cards with the lowest interest rates. However, there are still a few options to consider even if you have poor credit. If you're trying to rebuild, you should focus on always paying your bills on time and try to avoid carrying a balance. The Credit One Bank Credit Card and the Capital One Secured MasterCard would both be a good place for you to start!

By: Sandy Sims | Nov 20, 2015

Try Capital One. They gave me a chance with poor credit. The first card I had with them was only for $300 but I kept paying on time and after a year they gave me a raise on my limit of $400. After a few months, I applied for the Quicksilver card and they approved me. I think they are the best for helping those of us with poor credit. Good Luck!!!!!!

By: Maximo Teves | Nov 21, 2015

Try capital one. I have a poor credit but they approved me.

Picture of Bennie Wade

By: | Oct 28, 2015

Are any Credit Card with no charge for transfer fee?

1 Reply

By: CompareCards | Oct 30, 2015

Hi Bennie,

The Chase Slate card has no balance transfer fee for transfers made within the first 60 days of account opening. This card also comes with no annual fee and 15 months with 0% APR.

Picture of Libby Powers

By: | Oct 27, 2015

I just would like a credit card, I don't want no points, no return, no travel. Just a plain credit card. I would like to transfer two credit cards onto one.

1 Reply

By: CompareCards | Oct 27, 2015

Hi Libby,

The Chase Slate is an excellent balance transfer credit card. It doesn't comes with any rewards program, but it has 15 months with 0% APR as well as no annual fee and no balance transfer fee for transfers made within the first 60 days of account opening.

Picture of Toni Holmes

By: | Oct 24, 2015

I have a fico credit score of 711. Would that let me get a credit card with 0 balance transfer fee? It says excellent credit required.

1 Reply

By: CompareCards | Oct 25, 2015

Hi Toni,

A credit score of 711 is considered good, and getting close to excellent. With that score, I would recommend applying for the Chase Slate card which is the only card available with no balance transfer fee. People regularly get approved for that card with scores in the mid to high 600s, so hopefully it shouldn't be a problem for you to get approved!

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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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