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Balance Transfer Credit Cards

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The Amex EveryDay® Credit Card from American Express

 

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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

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HSBC Gold Mastercard® credit card

 

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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

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Discover it® - 18 Month Balance Transfer Offer

 

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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

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Citi® Double Cash Card – 18 month BT offer

 

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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

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Chase Freedom Unlimited®

 

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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®

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Wells Fargo Platinum Visa® Card

 

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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

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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 Karen Lettieri-Quimby

By: | Nov 7, 2017

I have an excellent credit rating, however, looking to do a balance transfer with the lowest or no balance transfer fee with the longest 0% APR. What card should I go with?

1 Reply

By: CompareCards | Nov 8, 2017

For the longest period of 0% intro APR, check out the Citi Simplicity® Card - No Late Fees Ever or the Citi® Diamond Preferred® Card– 21 Month Balance Transfer Offer. To save on your balance transfer fee, two great options are the Chase Slate® and the BankAmericard® Credit Card.

Picture of Matt Carmelo

By: | Oct 25, 2017

I want to transfer $2000 balance that I have from my card as the interest is super high and I can hardly pay this down. Was interested in transferring it to another go to card that I saw on this site with 21 months, but then I read a comment from someone posted that you can't transfer a balance from one citi card to another. Is this true?

2 Replies

By: CompareCards | Oct 27, 2017

As a general industry rule, you cannot transfer balances between credit cards issued by the same bank. Since your current card is with Citibank, consider the BankAmericard® Credit Card, the Chase Slate®, or the Discover it® - 18 Month Balance Transfer Offer. These a few of today's popular balance transfer offers.

By: Diane Vaughan Richards | Nov 8, 2017

I do it & have for years.

Picture of Gloria Jabaut

By: | Oct 24, 2017

I want a card with no balance transfer fees, 21 months of no interest and no annual fees. My credit score is 850 I should be able to get this type of a card.

1 Reply

By: CompareCards | Oct 27, 2017

Unfortunately there is not one individual card that offers all of the features you are looking for. However, there are a few cards that come very close! For the longest 0% intro APR plus no annual fees, check out the Citi Simplicity® Card - No Late Fees Ever and the Citi® Diamond Preferred® Card– 21 Month Balance Transfer Offer. For balance transfer with the fewest fees, the Chase Slate® and the BankAmericard® Credit Card are both great options.

Picture of Marie Betts

By: | Oct 24, 2017

I have had CitiCards for 18 years. They have been exemplary, have always given me the lowest interest rates, supported me when I was hacked. I highly recommend them and continue to rely upon them.

Picture of Gabriel Santiago

By: | Oct 15, 2017

I have a card and I would like to transfer to zero interest credit card to pay off $6,000. My interest is around $80 a month. Not sure what to do. Any advise is greatly appreciated.

1 Reply

By: CompareCards | Oct 19, 2017

Any of the card on our balance transfer credit cards page would be a good place to start! You typically need good to excellent credit to get approved for the best offers. The two major things to consider is the length of the 0% intro APR and the amount of balance transfer fee. Overall, transferring your balance to a card with 0% intro APR can help you pay down your balance much faster because during the intro period your whole payments goes towards paying down the principle. A few of the best options include the Citi® Diamond Preferred® Card– 21 Month Balance Transfer Offer, the Discover it® - 18 Month Balance Transfer Offer, and the BankAmericard® Credit Card

Picture of Julia Zakrzewski

By: | Oct 14, 2017

Looking for a zero percent transfer credit card. My credit score is 835. Transferring amount of $7000.00

1 Reply

By: CompareCards | Oct 16, 2017

With a credit score in the 800s your credit is considered "excellent" and you have a great chance of getting approved for any balance transfer credit card you choose. Check out our balance transfer credit cards page to see all of the best options!

Picture of Rita Anderson

By: | Sep 27, 2017

I am looking to transfer 4 credit card balances to just 1 card.

Picture of Norma Childs

By: | Aug 27, 2017

I would love to apply for the balance transfer card and get rid of 4 cards.

Picture of Margo McElroy

By: | Aug 16, 2017

Is there a no fee balance transfer card?

1 Reply

By: CompareCards | Aug 25, 2017

The Barclaycard Ring™ Mastercard® is an excellent option if you're looking for a credit card with no balance transfer fee!

Picture of Wendy Maynes

By: | Aug 13, 2017

My credit card won't accept third party checks that are used as pay off on balance transfers, what are my other options? Solution?

1 Reply

By: CompareCards | Aug 14, 2017

Many banks and credit card issuers will not accept 3rd party checks as a form of payment because the number of people involved in the transaction creates high risk. Instead, try having the check written directly to you. If that is not an option, try cashing the check with an institution that will accept them (although this may be hard to find) and then using the money to pay off your balance.

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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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