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Balance Transfer Credit Cards

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Discover it® - 18 Month Balance Transfer Offer

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 899 Offer Ratings
Over the Past 60 Days!

(899) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% for 18 Months*
  • Rewards Rate Earn 5% cash back at different places each quarter up to the quarterly maximum, when you activate*
  • Ongoing APR 13.49% - 24.49% Variable*
  • 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, earn unlimited 1% cash back on all other purchases – automatically. 
  • Redeem cash back any amount, any time. 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

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The Amex EveryDay® Credit Card from American Express

 

Rated 5/5 stars by our editorial team

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4.3/5.0 from 2,286 Offer Ratings
Over the Past 60 Days!

(2,286) Over the Past 60 Days!
  • Balance Transfer Fee $0 balance transfer fee.
  • Intro Balance Transfer APR 0% for 15 Months
  • Intro Purchase APR 0% for 15 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 14.49% to 25.49%.
  • $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening.
  • 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.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees

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Bank of America® Cash Rewards Credit Card

 

Rated 4.5/5 stars by our editorial team

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3.7/5.0 from 900 Offer Ratings
Over the Past 60 Days!

(900) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days
  • Intro Purchase APR 0% Introductory APR on purchases for 12 billing cycles
  • Regular APR 14.49% - 24.49% 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 800-716-6383
  • No annual fee 
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter 
  • No changing categories and no expiration on rewards 
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 14.49% - 24.49% Variable APR. 3% fee (min $10) applies to balance transfers 
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account 
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75% 
  • Easily add your Mastercard® credit card to any digital wallet for a simple, secure, and convenient way to pay online, in-app, and in-store

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Citi Simplicity® Card - No Late Fees Ever

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.9/5.0 from 249 Offer Ratings
Over the Past 60 Days!

(249) Over the Past 60 Days!
  • Intro Purchase APR 0%* for 18 months on Purchases*
  • Intro BT APR 0%* for 18 months on Balance Transfers*
  • Regular Purchase APR 15.49% - 25.49%* (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 18 months. After that, the variable APR will be 15.49% - 25.49% based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 5% 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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Citi® Double Cash Card – 18 month BT offer

 

Rated 5/5 stars by our editorial team

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4.4/5.0 from 1,420 Offer Ratings
Over the Past 60 Days!

(1,420) 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 14.99% - 24.99%* (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 14.99% - 24.99% 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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Wells Fargo Platinum Visa® Card

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.9/5.0 from 669 Offer Ratings
Over the Past 60 Days!

(669) Over the Past 60 Days!
  • Introductory APR 0% for 15 months on purchases and balance transfers*
  • Low Fees Enjoy $0 Annual Fee
  • Ongoing APR 16.65%-26.49% (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 16.65%-26.49% 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

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Citi® Diamond Preferred® Card– 21 Month Balance Transfer Offer

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.3/5.0 from 460 Offer Ratings
Over the Past 60 Days!

(460) Over the Past 60 Days!
  • Intro Purchase APR 0%* for 12 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 877-836-4537 TTY: Use Relay Service
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that the variable APR will be 14.49% - 24.49%, based on your creditworthiness*
  • 0% Intro APR on purchases for 12 months from date of account opening. After that the variable APR will be 14.49% - 24.49%, based on your creditworthiness*
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • $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 Balance Transfer Offer

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Chase Freedom Unlimited®

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 749 Offer Ratings

(749)
  • 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 16.49% - 25.24% 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 16.49-25.24%. 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
  • Free credit score, updated weekly with Credit JourneySM
  • 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 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.

Picture of Sami Jean

By: | Dec 8, 2016

I have a 742 credit score. I am looking to transfer a balance of about $7,000. The balance is on a chase card, so the Chase Slate is not an option for me. I am looking for no or very low balance transfer fee and no interest for at least 9 months, preferably more than a year. I also need a card that does not require you to pay off the balance each month to maintain 0% interest. (i.e. the Citi Double Cash- if I could pay it off next month I wouldn't need the balance transfer).

1 Reply

By: CompareCards | Dec 9, 2016

With a score of 742, your credit is considered good/excellent and you have a good chance of getting approved for a good balance transfer credit card. The Chase Slate is the only card that offers no intro balance transfer fee and a 0% intro APR over a year. Another good balance transfer option for you would be the Citi Simplicity or the Citi Diamond Preferred. Each of these cards offer 0% intro APR for 21 months on balance transfers!

Picture of Bill Reed

By: | Nov 28, 2016

I have a credit score of 617 and a balance of $2500 what card would be best for me?

1 Reply

By: CompareCards | Nov 28, 2016

With a credit score in the low 600s your credit is considered poor/fair. Check out out pages for credit cards for poor credit and credit cards for credit cards for fair credit to see all the best options!

Picture of Nicole Champion

By: | Nov 28, 2016

How do I transfer the balances of credit cards? I have about 2300 in cards and my score is low

1 Reply

By: CompareCards | Nov 28, 2016

If you have a low credit score, it may be difficult for you to get approved for the best balance transfers credit cards. One good option for balance transfers that is available for consumers with fair credit is the Capital One QuicksilverOne!

Picture of Crystal Buehler

By: | Nov 24, 2016

I am looking for a card with no fee for transfers. The only one I see on this site is Chase Slate, and I already have a card with them - so they can't help me. Do you know of others with no transfer fee?

1 Reply

By: CompareCards | Nov 28, 2016

The Chase Slate is certainly an excellent option for a balance transfer credit card, but unfortunately, you cannot transfer a between credit cards issued by the same bank. Two other cards that have no balance transfer fee are the Barclaycard Ring MasterCard and the Capital One QuicksilverOne.

Picture of Hallon Clark

By: | Nov 21, 2016

I need to transfer about $7,500 (2 cards) to consolidate & save interest/money. Credit score is 725. Would like 0% on transfer for 18-21 months with no annual fee & no balance transfer fee. Which card would you suggest for/with such options?

1 Reply

By: CompareCards | Nov 22, 2016

There is not one card that meets all of the criteria you are looking for, but a few credit cards come very close! The Citi Diamond Preferred and Citi Simplicity each have 0% intro APR for 21 months, but they also come with a 3% balance transfer fee. Another great choice is the Chase Slate card which offers 0% intro APR for 15 months and no fee for balance transfers made within the first 60 days! All of these cards have no annual fee, and with a score in the mid 700s you have a good shot of getting approved!

Picture of Ana Snyder Parker

By: | Nov 5, 2016

I have a credit score of 783. CC balance is $6,200. I want to transfer balance to another card. It would be great to also get rewards. What do you suggest?

1 Reply

By: CompareCards | Nov 8, 2016

With a credit score in the high 700s, your credit is considered excellent and you have a good chance of getting approved for any card you like. Two credit cards that are both great options for balance transfers and earning cash back on purchases are the Citi Double Cash and the Discover It. Both cards offer generous cash back rewards and 0% intro APR on balance transfers for 18 months.

Picture of Dick Landis

By: | Nov 2, 2016

With the Chase Slate card, can you transfer balances from other Chase cards?

1 Reply

By: CompareCards | Nov 2, 2016

You cannot transfer a balance to the Chase Slate card from another Chase card. This rule is not specific to Chase credit cards; as an industry rule you cannot transfer credit balance between credit cards issued by the same banks.

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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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