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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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Your Rating:

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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Your Rating:

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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Your Rating:

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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Your Rating:

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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Your Rating:

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

See additional details for Wells Fargo Platinum Visa® Card

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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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*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 Delia L. Darden

By: | Sep 10, 2015

I would like to know if I can add more than one credit card balance to balance transfer card, I like the City Simplicity card 21 months 0% APR.

1 Reply

By: CompareCards | Sep 14, 2015

Hi Delia,

While the terms for balance transfer vary from card to card, you are usually able to transfer more than one balance onto one credit card. However, the amount you're able to transfer will depend on your credit worthiness and vary from person to person.

Picture of Brenda Carlton

By: | Aug 30, 2015

I Have a Discover card a Transfer arp card It is suppose to be the best I have not used it yet because I just got ti before I went to the hospital.It is one of the best cards to have. everyone should check it out Brenda Carlton

Picture of Deborah Wilkerson

By: | Aug 25, 2015

Why are all Credit Cards that are the best cards are for Excellant, Good, Average, and Fair Credit? People with Poor Credit can't get anything, unless you get charged with a very high APR rate, or your interest rate is sky high. Poor ratings deserve a second chance don't they!! It's just not fair!

1 Reply

By: Jared Carpenter | Aug 28, 2015

Poor credit receives a higher interest rate because interest rates reflect the risk of loaning money to a borrower. Good credit shows that the lender will have a better probability of getting paid. So there is a reward for not posing a risk. The sad truth is that you have to prove that you don't need money to borrow it....

Picture of Kelly Connolly

By: | Aug 9, 2015

Anyone know, are medical bills weighed the same as credit card bills or are they counted to a lesser degree?

2 Replies

By: Evelyn Mazzella | Aug 12, 2015

Medical bills are not weighed at all on credit report for credit scoring. Is that what you mean?

By: Rebecca DuPerry | Oct 9, 2015

They will tell you that, but I do not believe it for one second. I have been trying to re-finance, get a line of credit, get a credit card to help me with consolidating my medical bills and everything else. They weigh in my medical bills along with everything else. I have asked the question of are they supposed to do that and have been told, it is their choice. Is it against the law, have yet to get any Credit Bureau to confirm. The Federal Trade Commission confirms that they are supposed to weight the medical not at all and are working on educating the vendors. You can call back, get a different person with a different answer. Good Luck!

Picture of Francine Benson

By: | Aug 5, 2015

I lost my job and I have been trying to find a credit card/company that will consolidate my credit cards. I got the Chase Slate, but it only gives me $1000. That helps, but I need more to really help me.

Picture of Sara Kersky

By: | Jul 14, 2015

I have a question i have a small buisness that i am just getting off the ground when i was younger i messed me credit up i have like a 569, And i am looking for a small limit that will look over my past even though i know the interest will be through the roof, But i am willing to deal with it to get something small and pay it off real fast to build my credit back up any suggestions? would be greatly appreciated.

1 Reply

By: CompareCards | Jul 15, 2015

Hi Sara,

With a credit score of 569, your options will be very limited in terms of which credit cards you can get approved for. One card to consider is the Credit One Bank Credit Card. This card is designed for people who have poor credit and are looking to rebuild. As you mentioned, paying your balance on time and in full is the best strategy to build your credit as quickly as possible, so be sure to stay on top of your payments!

Picture of Ernest James Usher Jr.

By: | Jun 8, 2015

I am looking for a great business credit card with no personal surety only based on my 27 year business experience and DUN credit score.

1 Reply

By: CompareCards | Jun 8, 2015

Hi Ernest.

Business credit card approvals are actually based on a combination of both your personal and your business credit. If your business has a lengthy, positive credit history it will be a big help in getting approved for a business credit card, but you’re personal credit history will probably be taken into account as well.

That said, the credit card I would recommend would be the Chase Ink Cash Business. This card has no annual fee, 0% APR for 12 months, and an excellent cash back program! Be sure to check out our business credit cards page so see all the best options!

Picture of Marysue Cirrincione

By: | Jun 7, 2015

I am looking at possible bankruptcy due to large medical expenses. Is there a card that I can get that will understand my medical problems.

1 Reply

By: CompareCards | Jun 8, 2015

Hi Marysue

The credit card that currently has the longest introductory period for 0% APR is the Citi Simplicity. This card would give you 21 months to pay off your medical expenses totally interest free. On top of that, there is no annual fee and no late fees or penalty rate if you happen to miss a payment! If you plan to put the large expenses on a credit card, I would establish a solid plan to pay down the debt as quickly as you can. Because once the introductory period is up, you'll begin accruing interest on the balance, which could bring you further into debt if you can’t handle the payments.

Picture of Linda Shepherd

By: | May 16, 2015

Does anyone know of a credit card with 0% interest and no transfer fee?

1 Reply

By: CompareCards | Jun 2, 2015

Hi Linda,

The Chase Slate is the best option if your looking for a fee-free balance transfer credit card. It's currently the only card on the market that offers no balance transfer fee, no annual fee, AND it has 0% APR on purchases and balance transfer for the first 15 months!

Picture of Ruth Elaine Anderson

By: | Mar 3, 2015

my credit score is 690, I have about 10,000 in credit card debt, I would like to bundle in one payment. Is this possible?

1 Reply

By: Joi Saunders | May 25, 2015

Try Lending Club.com - they seem reasonable

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.

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