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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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Citi® Double Cash Card – 18 month BT offer

 

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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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HSBC Gold Mastercard® credit card

 

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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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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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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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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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*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 Chad Vanloo

By: | Aug 13, 2017

Be prepared though people , some of these transfer cards will also have limits , often the limit is less than you owe , so you may not be able to transfer all of your debt

Picture of Tom Baker

By: | Aug 12, 2017

I was looking at Wells Fargo Platinum card to do a balance transfer. In the small print, it said I had to have an instrument of consumer credit with Wells Fargo, aka a credit card. When I looked at their Cash Wise and American Express cards, I found the same requirement. So, does this mean you have to have a credit card from Wells Fargo before you can get a credit card from Wells Fargo?

1 Reply

By: CompareCards | Aug 14, 2017

The requirement to be the account holder of a Wells Fargo consumer credit product is in reference to the ability to get your free FICO score - you do not have to have a Wells Fargo credit card in order to apply for one of these cards, but you must have a Wells Fargo credit card in order to get your free FICO score.

Picture of Linda Ahne

By: | Aug 12, 2017

my credit score is in the mid to high 600's I would like to transfer a balance of 7,000.00 to a zero percent card for at least a year. What do you recommend ??

1 Reply

By: CompareCards | Aug 14, 2017

With fair credit, your best bet is most likely the Discover it® Cashback Match™ card. with this card, you enjoy 0% APR for 14 months on both purchases and balance transfers. Depending on the balance transfer limit they approve for you, it may be hard to transfer all $7,000 onto this card, but it has the best offer for customers with fair credit.

Picture of Jennifer Lambert

By: | Aug 1, 2017

How does balance transfer work? When I make payments on my cc accounts they say they do not except cc payments. So how does it transfer?

1 Reply

By: CompareCards | Aug 3, 2017

Balance transfers are when you transfer an outstanding balance from one credit card to another. It can help you catch up on debt or consolidate all of your balances to make payments easier to keep track of. This is also great for cards with intro balance transfer APR offers, but there is still usually a balance transfer fee of around 3% on most cards. Balance transfers are different from making payments to one credit card account from another credit card because, instead of paying off your balance from one card with another card, you're transferring your entire outstanding balance from one card onto another. Most issuers do not allow you to simply pay off one credit card with another, but they will allow balance transfers onto different cards (which involves the 3% fee). The key is to find a card that fits your credit score and has a solid intro balance transfer APR offer - check out some of your options here.

Picture of Victor Caraveo

By: | Jul 12, 2017

If I do a balance transfer, can I keep my old credit card open, or do they close it automatically?

2 Replies

By: CompareCards | Jul 28, 2017

When you transfer a balance it is not likely that the card you transfer a balance from will close automatically. The account will probably remain open and simply show a zero balance.

By: Celina Jimenez McNulty | Sep 2, 2017

Yes, you can keep them open.

Picture of Helenisa Coutinho

By: | Jul 9, 2017

I like American Express everyday blue cash

Picture of Loretta Cross

By: | May 15, 2017

I am looking for a balance transfer card with low interest rate and no fee for balance transfer!

2 Replies

By: CompareCards | May 17, 2017

Three credit cards that might interest you are the BankAmericard Credit Card, Barclaycard Ring Mastercard, and the Chase Slate card.

By: Carol Stepp | Jun 25, 2017

Get one with no interest and no fee for 21 months. Listed here on Comparecards.

Picture of Evelyn Adams

By: | May 12, 2017

I have a Chase CC with balance of $4,000 want to transfer to a card with o interest for about 15-21 months & no balance transfer fee. Opinion please?

2 Replies

By: John Imig | May 23, 2017

Barclaycard Ring is about your only option at this point.

By: Heidi Dolgoff | Jun 24, 2017

look at bank of america, no transfer fee for frist 60 days, no annual fee

Picture of Dann Hinkle

By: | Apr 20, 2017

Thank you so much. This site made searching for a credit card to transfer my balances to so much easier than going to the individual sites of the various credit cards. I highly recommend this. I heard about it on XM radio on the Fox News channel. I am now on my way to paying off my debt and saving money! Thanks again!

Picture of Shan Kathleen

By: | Apr 11, 2017

I am interested in transferring approximately $8500 to a new card -- preferably no transfer fee & 12-21 months 0% APR rate. I do enjoy rewards and gift card kick backs -- BUT it is not necessary, as I hope to pay off the debt before spending additional. Credit Score - 755

1 Reply

By: CompareCards | Apr 15, 2017

The Chase Slate card is an excellent option for balance transfers as it offers 0% intro APR for 15 months and no fee for balance transfers made within the first 60 days. The only downside is that there is no rewards program. If you would rather have rewards, check out the Citi Double Cash or Discover It - 18 Month Balance Transfer Offer . These cards have great balance transfer offers and also come with some of the best cash back programs.

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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.

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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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