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Balance Transfer Credit Cards

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Citi® Diamond Preferred® Card – $0 Intro BT Fee

 

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4.2/5.0 from 1,974 Offer Ratings
Over the Past 60 Days!

(1,974) Over the Past 60 Days!
  • Intro Balance Transfer Fee $0 Intro Balance Transfer Fee for transfers made within 4 months of account opening
  • Intro Balance Transfer APR 0% for 15 Months on Balance Transfers*
  • Regular Purchase APR 13.49% - 23.49%* (Variable)
  • Annual Fee $0*
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 866-305-0359 TTY: Use Relay Service
  • $0 Intro Balance Transfer Fee for transfers made within 4 months of account opening. After that, there is a 3% balance transfer fee (minimum $5) for each transfer.*
  • Get 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 13.49%-23.49% based upon your creditworthiness.* 
  • 24/7 access to Citi® Concierge for help in booking hotels, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee* 
  • Free access to FICO® Scores*

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BankAmericard® Credit Card

 

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Your Rating:

3.8/5.0 from 642 Offer Ratings
Over the Past 60 Days!

(642) 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
  • Balance Transfer Fee $0 Intro balance transfer fee for the first 60 days your account is open. After that, the fee for future balance transfers is 3% (min. $10)
  • Regular APR 12.74% - 22.74% 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% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 12.74% - 22.74% Variable APR
  • $0 Intro Balance transfer fee during first 60 days of account opening. After that, the fee for future balance transfers is 3% (min. $10).
  • 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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Discover it® - 18 Month Balance Transfer Offer

 

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3.7/5.0 from 202 Offer Ratings
Over the Past 60 Days!

(202) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% for 18 Months*
  • Rewards Rate 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
  • You could turn $200 into $400 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, 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 FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

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Citi® Double Cash Card – 18 month BT offer

 

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4.4/5.0 from 1,075 Offer Ratings
Over the Past 60 Days!

(1,075) Over the Past 60 Days!
  • Intro APR 0% APR for 18 Months on Balance Transfers
  • Rewards Rate Earn 1% on Purchases & 1% on Payments
  • 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 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 14.49% - 24.49% 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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Blue Cash Everyday® Card from American Express

 

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3.8/5.0 from 712 Offer Ratings
Over the Past 60 Days!

(712) Over the Past 60 Days!
  • Welcome Offer $100 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months
  • Bonus Cash Back 3% at U.S. supermarkets on up to $6,000 per year in purchases*
  • Rewards Rates 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back 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
  • $100 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See Rates & Fees

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Citi Simplicity® Card - No Late Fees Ever

 

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Your Rating:

3.8/5.0 from 596 Offer Ratings
Over the Past 60 Days!

(596) Over the Past 60 Days!
  • Intro Purchase APR 0%* for 21 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 866-296-6633 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 21 months. After that, the variable APR will be 14.49% - 24.49% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% 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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Wells Fargo Platinum Visa® Card

 

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Your Rating:

3.7/5.0 from 189 Offer Ratings
Over the Past 60 Days!

(189) Over the Past 60 Days!
  • Introductory APR 0% for 18 months on purchases and balance transfers*
  • Low Fees Enjoy $0 Annual Fee
  • Cell Phone Protection Covers damage & theft, up to $600 per claim*
  • 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 16.15%-25.99% 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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*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 Laura Smith Maliani

By: | Mar 6, 2017

I currently have a Wells Fargo platinum card. I am thinking of switching to a chase card. I am looking for a similar rewards system where I can earn gift cards with my rewards points. Is there cash back reward system comparable and if I transfer $13,000 of debt from my platinum card to a chase card will I then get the cash rewards for that amount? My credit is in the 800s and I plan to pay the debt off quickly.

1 Reply

By: CompareCards | Mar 7, 2017

The cash back credit cards from Chase like the Chase Freedom and the Chase Freedom Unlimited do allow you to redeem your rewards by shopping for gift cards. These cards also come with 0% intro APR for 15 months! However, you won't be able to earn rewards on your balance transfer. Cash back credit cards generally only earn rewards on "net purchases" and exclude transactions like balance transfers and cash advances.

Picture of Ishani Desai

By: | Mar 2, 2017

Are there any business credit cards with a 0% balance transfer?

1 Reply

By: CompareCards | Mar 3, 2017

If your looking for a business credit card with 0% intro APR on balance transfers, check out the Ink Business Cash Credit Card from Chase!

Picture of Barbara Wood

By: | Feb 28, 2017

My credit is 659 I would like to transfer 2300 to a no interest free credit card what would you recommend

1 Reply

By: CompareCards | Feb 28, 2017

With a score in the mid to upper 600s, your credit is considered on the border of fair/good. An excellent option for a balance transfer credit card is the Chase Slate card which comes with 0% intro APR for 15 months and no intro balance transfer fee. However, most balance transfer credit cards require good credit to get approved, so it is not guaranteed that you'll get approved for the full line of credit you are looking for.

Picture of Debbie Swanberry

By: | Feb 26, 2017

Hi, My credit score is 810 I would like to transfer a balance of $5000.00. I already have A Citi Diamond Card (which has a balance of $5000) can I still apply for the transfer with no transfer fee and no interest for 15 months?

1 Reply

By: CompareCards | Feb 27, 2017

Two cards that would both be great options for you are the Chase Slate card and the Barclaycard Ring Mastercard. Each of these cards offer 0% intro APR for 15 months, no annual fee, and no intro balance transfer fee.

Picture of Riya Saha

By: | Feb 24, 2017

Very good service and very easy way to transfer money.

Picture of Paul Pitts

By: | Feb 21, 2017

My wife and I would like to transfer our credit cards to 1 card. no transfer fee, 0 % apr for atleast 18 months. Our debit is less than $5000 and I'm not overly concerned with cash back rewards, but would like monthly credit reports included. We've agreed to cancel ALL (about6) other credit cards upon transferring to the new card.

1 Reply

By: CompareCards | Feb 23, 2017

There is no one credit card that has both 0% intro APR for 18 months and no balance transfer fee, but there are two cards that come very close. The Chase Slate card and the Barclaycard Ring Mastercard both offer no intro balance transfer fee and 0% intro APR for 15 months. They both also come with a free monthly credit score!

Picture of Stephen Chen

By: | Feb 20, 2017

I have a Cap One Venture card with $5500 balance as of Feb.,20, 2017. The 0% interest rate on this card expires in April, 2017. We filed a Chap 7 business bankruptcy discharged in 2011. Currently both my wife and I have have 720+ credit rating as of Feb., 2017. Wold like to transfer the balance from Cap One Venture card for 12 months at 0% interest.

1 Reply

By: CompareCards | Feb 22, 2017

There are many credit cards that might fit your needs. With a credit score of 720, your credit is considered good and approaching excellent. A few of the best options for you would be the Chase Slate card, the BankAmericard Credit Card, or the Citi Simplicity.

Picture of Leona Stamper

By: | Feb 15, 2017

I WOULD LIKE TO TRANSFER A BALANCE OF $5000 TO A NO FEE TRANSFER AND NO INTEREST FOR AT LEAST 15 MONTHS...CREDIT SCORE OF 706..WHAT DO YOU SUGGEST?

1 Reply

By: CompareCards | Feb 16, 2017

Two credit cards that meet the criteria you're looking for would be the Chase Slate card and the Barclaycard Ring MasterCard. Check out these two offers as a place to start!

Picture of Michelle Hinojosa

By: | Feb 12, 2017

My credit score is 702 and I would like to transfer 13,000 to a credit card with interest fee, no transfer fees, for about 21-24 months. Which credit card is good for me?

1 Reply

By: CompareCards | Feb 16, 2017

There is no one card that meets all of the criteria you are looking for, but a few credit cards come very close. Both the Chase Slate card and Barclaycard Ring Mastercard offer 0% intro APR on balance transfers for 15 months and have no intro balance transfer fee. If you would like a longer intro APR, the Citi Diamond Preferred, Citi Simplicity, and Discover It - 21 Month Balance Transfer Offer each offer 0% intro APR for 21 months, but they also have a 3% balance transfer fee.

Picture of Erin Hines

By: | Feb 9, 2017

I want to transfer my $5,000 Best Buy CC balance to a 21 month 0% APR card with good perks and benefits if i use it also for long term expenses, not just to balance transfer. Credit score 750. What would you recommend i look at?

1 Reply

By: CompareCards | Feb 14, 2017

It sounds like the Discover It - 21 Month Balance Transfer Offer would be the perfect fit for you. As the name implies, this card offers 0% intro APR for 21 months on balance transfers. It also comes with a generous cash back rewards program and Discover's award-winning customer service!

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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.

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" " 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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