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Balance Transfer Credit Cards

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The Amex EveryDay® Credit Card from American Express

 

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Your Rating:

3.7/5.0 from 101 Offer Ratings
Over the Past 60 Days!

(101) 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 1,032 Offer Ratings
Over the Past 60 Days!

(1,032) 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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Compare Personal Loans with LendingTree - Get One Easy Monthly Payment

 

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Your Rating:

4.0/5.0 from 6 Offer Ratings
Over the Past 60 Days!

  • Low Interest Rates Escape high interest credit card debt with rates as low as 5.99%
  • One Simple Monthly Payment Stop juggling multiple payment dates on different credit cards
  • Boost Your Credit Score Raise your credit score over time by lowering balances on your credit cards
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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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Discover it® - 18 Month Balance Transfer Offer

 

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Your Rating:

4.0/5.0 from 275 Offer Ratings
Over the Past 60 Days!

(275) 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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Chase Freedom Unlimited®

 

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Your Rating:

3.7/5.0 from 262 Offer Ratings

(262)
  • 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 325 Offer Ratings
Over the Past 60 Days!

(325) 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 Virginia Nozzi

By: | Jan 25, 2017

Hello, I am currently have the Chase Slate card with a balance of approximately $2135, credit score 804. I am unable to transfer the balance to another Chase card (0% APR) therefore I would like to know what card would be recommended with 0% APR for balance transfers and purchase but with cash/points rewards.

1 Reply

By: CompareCards | Jan 25, 2017

If you're looking for a balance transfer credit card that will also offer rewards for new purchases, two excellent options would be the Citi Double Cash and the Discover It Card . Both of these cards come with no annual fee, a long 0% intro APR, and generous cash back rewards!

Picture of Elsie Nester

By: | Jan 23, 2017

I have poor to fair credit but I do not see any cards available for that? Are there any out there with no annual fee?

1 Reply

By: CompareCards | Jan 24, 2017

Check out our page for credit cards for poor credit to find the card that fits your needs. You may need to start with a secured credit card. Secured cards work just like normal credit cards, but you have to put down a refundable security deposit to get approved. The Capital One Secured MasterCard and the Discover it Secured Credit Card are both have no annual fee and are great options.

Picture of Marida Sapichino

By: | Jan 16, 2017

I would like to transfer $10.000.00 with a 0% APR 0% transfer fee and No Annual Fee my credit score is over 750 Thank you.

1 Reply

By: CompareCards | Jan 18, 2017

It sounds like the Chase Slate card would be a great option for you! This card comes with 0% intro APR for 15 months, no annual fee, and no fee for balance transfers made within the first 60 days.

Picture of Vincent Alexander

By: | Jan 15, 2017

I am going to be a risk for most creditors I have never had a credit card therefore credit activity is minimum..I know that I can make good use of a credit card ! Satisfying all responsibility owed.. that being said,Wish Me Luck

Picture of Shantell Austin

By: | Jan 13, 2017

I have a credit score of 725 and need to transfer a balance of $4,000, i would like no interest for 21 months, possibly no balance transfer fee and something with cash back options?

1 Reply

By: CompareCards | Jan 16, 2017

With a score of 725, your credit is considered "good" and there are a number of great balance transfer credit cards you may be able to get approved for. The Citi Diamond Preferred would be a great choice as it offers 21 months of 0% intro APR. Another good choice is the Chase Slate card which has no fee for balance transfers made within the first 60 days and 0% intro APR for 15 months.

Picture of Kay Pee Krishna Prasadh

By: | Jan 8, 2017

I would like to book air tickets for my travel in may. which card is recommended to have any benefits..?

1 Reply

By: CompareCards | Jan 11, 2017

There are many airline credit cards that could be a good fit for you booking travel. The Chase Sapphire Preferred is a very popular travel rewards credit card and it comes with a big sign up bonus of 50,000 points after you spend $4,000 in the first 3 months. Two more great options would be the Discover it Miles and the BankAmericard Travel Rewards; both these cards earn an unlimited 1.5 points per dollar!

Picture of Jeff Bittner

By: | Jan 5, 2017

I need to transfer about 12,000 and have a credit score of 725. I need a card that has at least a 12 month no interest fee.

1 Reply

By: CompareCards | Jan 5, 2017

With a score of 725, your credit is considered "good" and there are a number of solid balance transfer credit cards you could potentially get approved for. One of the best options is the Chase Slate card which comes with 0% intro APR for 15 months and no fee for balances transfers made within the first 60 days!

Picture of Philomena Davis

By: | Dec 17, 2016

I have several credit cards. I believe if I consolidate them maybe my payments would be lower?

1 Reply

By: CompareCards | Dec 19, 2016

If you transfer your balance onto one card with a 0% intro APR, it might not necessarily make your payment lower, but it could help you pay off your balance much quicker. This is because during the introductory period, your entire payment goes towards paying down the principle of your balance!

Picture of Bob Mills

By: | Dec 16, 2016

I have 6500 in a Discover card acct - I want to move to 0% balance transfer - what are the best options? I have a Citi Card for 2900 and a Wells Fargo for 5000 - both 0% for a number of months. can I break the 6500 into these two to reduce my payments.

1 Reply

By: CompareCards | Dec 16, 2016

If your Citi and Wells Fargo cards with 0% intro APR will allow you to transfer portions of your balance from your Discover card, then that is certainly a good strategy to pay down your balance faster!

Picture of Sabera Badani

By: | Dec 9, 2016

I have about $22000.00 that I want to transfer to a 0% credit card for about 21 months with no transfer fee. My credit score is about 720

1 Reply

By: CompareCards | Dec 12, 2016

The Citi Simplicity and the Citi Diamond Preferred both offer 0% intro APR for 21 months on balance transfers, so one of these two cards will be your best option. With a score of 720, your credit is considered good, but not quite excellent, so it is not guaranteed that you will get approved for the full line of credit you are looking for.

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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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" " 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.

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