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Balance Transfer Credit Cards
- Compare our recommended balance transfer credit cards from our partners
- Credit card balance transfer independent ratings & consumer reviews
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See offers from our partners below.
- 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
- New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
- You could turn $150 into $300 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.
See additional details for Discover it® - 18 Month Balance Transfer Offer
- Intro APR 0%* 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*
See additional details for Citi® Double Cash Card – 18 month BT offer
- Intro Purchase APR 0%* for 21 months on Purchases*
- Intro BT APR 0%* for 21 months on Balance Transfers*
- Regular Purchase APR 13.99% - 23.99%* (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
- Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.99% - 23.99% based upon your creditworthiness*
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer
- Citi® Price Rewind searches for lower prices online for 60 days for your registered purchases: you can get back up to $500 per item and $2,500 a year*
- $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 Intro Offer on BT and Purchases
- 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 12.99% - 22.99% 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 12.99% - 22.99% 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
See additional details for BankAmericard® Credit Card
- Welcome Offer $150 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
- $150 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 15 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
See additional details for Blue Cash Everyday® Card from American Express
- Intro Purchase APR 0%* for 21 months on Purchases*
- Intro BT APR 0%* for 21 months on Balance Transfers*
- 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 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 21 months. After that, the variable APR will be 14.99% - 24.99% 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
See additional details for Citi Simplicity® Card - No Late Fees Ever
- 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
*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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By: Gerolama Palarmo | Sep 18, 2016
I have a cr score of 699 and looking to transfer about 7500.00 to one card with a 0% for 21 months . I actually have 2 cards which one is 2463.76 and the other is 3524.41. Do you think it's financially wise to transfer into one card?
1 Reply
By: CompareCards | Sep 19, 2016
If your current credit cards are charging you a high interest rate on your balances, you could potentially save a lot of money by transferring to a card with 0% introductory APR. With a score of 699, your credit is considered good and there are a number of credit cards you have a good chance of getting approved for. Two cards that offer 0% introductory APR for 21 months are the Citi Simplicity and the Citi Diamond Preferred. Either of these cards would be a good fit for your situation!
By: Ron Borgatti | Sep 16, 2016
Hello - I'm looking for the best combination of balance transfer and rewards. I have $4500 to transfer and a credit score of 790. Thank you for suggestions.
1 Reply
By: CompareCards | Sep 16, 2016
Two credit cards that offer great rewards rates as well as excellent balance transfer offers are the Citi Double Cash and the Discover It. Both cards come with 18 months of 0% intro APR on balance transfers and no annual fee. These are also two of the best cash back credit cards on the market, so either one would be a great fit for what you're looking for.
By: Dusty Headphones | Aug 14, 2016
I have a credit score of 700 with a 2300 balance that i want to transfer but I am not getting approved for any card that I apply to. What could be the reason for this?
1 Reply
By: CompareCards | Aug 29, 2016
Whenever you are denied for a credit card application, you should receive a written notice that outlines the reason you were not approved. This is the best way to find out which factors of your credit report kept you from getting an approval. With a score of 700, there are still a number of great balance transfer credit cards you have a good shot of getting approved for. If you haven't tried yet, apply for the Chase Slate card as it is on of the best balance transfer credit cards on the market. New cardholders receive 0% intro APR on balance transfers for 15 months and there is no fee for transfers made within the first 60 days!
By: Louis Wilches | Aug 8, 2016
I have a credit score of 669 and credit card with a $7800 balance, I want a 0% transfer promo that isn't Capital One?
1 Reply
By: CompareCards | Aug 9, 2016
With a credit score in the mid to upper 600s, your credit is considered fair/good and you may be able to get approved for the Chase Slate credit card. This card offers 0% intro APR for 15 months on balance transfers and no fee for balance transfers made within the first 60 days of account opening.
By: Lynn Burgess | Aug 5, 2016
I have a credit score of 753, and a credit card with a 12,000 balance. I want to transfer to a 0% card and Chase looks best. Is it?
1 Reply
By: CompareCards | Aug 8, 2016
The Chase Slate card is an excellent option for balance transfers as it somes with 0% intro APR for 15 months and no fee for balance transfers made within the first 60 days.
By: FT Hill | Jul 13, 2016
I have a card with a high credit limit that I currently does Not have a balance. Trying to improve my credit score, should I keep this card active, reduce the limit or leave it alone. Would cancelling this card hurt my credit score. I have a card with a high balance that I wish to transfer
1 Reply
By: James Madden | Jul 21, 2016
If you want to build your credit DO NOT close your cards keep paying your debt and open new credit cards also your old cards call them and ask them for an credit line increase
By: John Leon | Jun 26, 2016
What happens to the credit card you're transferring the money from? Will I still be able to use it?
2 Replies
By: Tracy L Rawlins | Jul 28, 2016
Absolutely. It just carries the balance of card A to card B
By: Ron Lash | Jul 30, 2016
Yes you can still use them. However, any purchase will be at the current APR.
By: Kathleen Reynolds | Jun 24, 2016
My credit score is 646 because I have been out of work for 3 months and my balances got too high for the small payments I was making- If I make decent payments in the next couple months (I now have a full-time, well paying job), should I be able to raise my credit score enough to get a good credit limit so that I can make a transfer from my current cards to one of the 0% APR for so many months cards? I just applied for one and was only given a limit of $1500 because of my score.
1 Reply
By: CompareCards | Jun 24, 2016
Your credit utilization accounts for 30% of your overall credit score, so paying down your balance should definitely help you raise your credit score. Even thought the credit limit is not as high as you would have liked, it would also be helpful for you to transfer $1,500 to the balance transfer credit card you just opened if you think you will be able to pay off the balance in full within the introductory period with 0% APR. Paying no interest during the intro period will allow you to pay off your balances and raise your credit score much quicker.
By: Michelle Martin | Jun 24, 2016
Once your 12, 15, 18 month (whatever term) 0% transfer balance rate term is up, is the APR rate then calculated on the remaining balance? or the entire original balance that was transferred on to the card? Must you pay the transferred balance amount in that 0% term/window that is being offered?
1 Reply
By: CompareCards | Jun 24, 2016
After the introductory period is up, you will only pay interest on the remaining balance. You will only pay interest on the entire balance if your credit card charges what is called "deferred interest". None of the cards on this page will charge deferred interest. This is usually only found on store credit cards.
By: Kathy Dickens Runge | Jun 20, 2016
I already have a Slate card. Will they let me transfer more money without a balance transfer fee or is there another card I could look into with 0% charged on transfers?
1 Reply
By: CompareCards | Jun 20, 2016
If you already have the Chase Slate, you will not be able to take advantage of the intro balance transfer offer for that card. If you wish to transfer your balance to another good balance transfer card, two options you should look at are the Barclaycard Ring MasterCard and the Capital One QuicksilverOne.
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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Those who always pay their balances in full and on time will usually come out ahead.
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The offers on the credit card landscape are constantly changing which is great news for consumers.
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