Add cards to start comparing.

Compare Cards

Balance Transfer Credit Cards

See offers from our partners below.

Citi Simplicity® Card - No Late Fees Ever

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.7/5.0 from 2,087 Offer Ratings
Over the Past 60 Days!

(2,087) Over the Past 60 Days!
  • 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

More Info

Expand Details

Citi® Double Cash Card – 18 month BT offer

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

4.5/5.0 from 709 Offer Ratings
Over the Past 60 Days!

(709) 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 14.49% - 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

More Info

Expand Details

Discover it® - 18 Month Balance Transfer Offer

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

4.0/5.0 from 261 Offer Ratings
Over the Past 60 Days!

(261) 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
  • Transfer more than just credit card balances!
  • Discover offers tools to help you pay down your balance: create a customized plan on our website to work off your balance and help meet your financial goals.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • No annual fee.
  • While you pay down your balance, keep your Discover it® ready to use on everyday purchases that earn generous rewards, plus more great benefits.
  • New! Receive FREE Social Security number alerts— Discover will monitor thousands of risky websitewhen you sign up.
  • 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

More Info

Expand Details

BankAmericard® Credit Card

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.8/5.0 from 399 Offer Ratings
Over the Past 60 Days!

(399) Over the Past 60 Days!
  • 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

More Info

Expand Details

Citi® Diamond Preferred® Card – 21 Month Intro Offer on BT and Purchases

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

4.2/5.0 from 1,233 Offer Ratings
Over the Past 60 Days!

(1,233) Over the Past 60 Days!
  • 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

More Info

Expand Details

Blue Cash Everyday® Card from American Express

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.8/5.0 from 534 Offer Ratings
Over the Past 60 Days!

(534) Over the Past 60 Days!
  • 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

More Info

Expand Details

Wells Fargo Platinum Visa® Card

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

4.0/5.0 from 381 Offer Ratings
Over the Past 60 Days!

(381) Over the Past 60 Days!
  • Introductory APR 0% for 18 months on purchases and balance transfers*
  • Low Fees Enjoy $0 Annual Fee
  • Ongoing APR 16.15%-25.99% (Variable)*
  • 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

More Info

Expand Details

*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.

Share your experiences, tips and tricks with us!

Let others learn from your experience. Ask questions. Share your thoughts and opinions about credit cards.

There is nothing we value more than the opinions of our customers. We encourage open discussions among all users and hope we can all share advice. Please keep our site clean and safe by following our posting guidelines and please, don't disclose personal information like your credit card numbers or account information.

Community Conversation

Thank you. Your comment has been submitted and is pending editorial review.
card loader

Sort by:

Picture of Jordan Hilkey

By: | Oct 25, 2016

Looking to transfer about 3k total to a card that does NOT require the entire card to be paid off each month. I just want to make minimum payments each month without being charged interest.

1 Reply

By: CompareCards | Oct 26, 2016

There are a number of credit cards that have 0% introductory APR on balance transfer for a period of time, though you will typically need good or excellent credit to get approved for the best offers. The Citi Simplicity and the Citi Diamond Preferred each offer 0% intro APR for 21 months which is the longest intro APR on the market. Another great option is the Chase Slate card which comes with 0% intro APR for 15 months and no fee for balance transfers made within the first 60 days.

Picture of Camille Serignese

By: | Oct 25, 2016

I want to transfer $12,480.00 to another card with no interest and fastest way to pay down. I believe my credit score is 615. What credit card would be right for me?

1 Reply

By: CompareCards | Oct 26, 2016

With a credit score in the low 600s, your options for a balance transfer credit card will be somewhat limited and it may be difficult for you to get approved for a line of credit high enough to transfer your entire balance onto one card. The Capital One QuicksilverOne is a good option that you should consider as it comes with a nice intro APR or 0% and is available for consumers with fair credit.

Picture of Brunilda Santiago-Piña

By: | Oct 23, 2016

Thinking about transferring balance to another card. Want to know what my best option is. I see some are 0% for a period of time. What happens after that period if card is not paid off in total? Do you charge interest rate from the balance at that time or from balance transferred at the beginning?

1 Reply

By: CompareCards | Oct 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.

Picture of Jennifer Crayon Buisson

By: | Oct 21, 2016

Looking to transfer about $5000. What is best option with longest 0% term? ARe there any that also offer rewards? 765 credit score

1 Reply

By: CompareCards | Oct 24, 2016

With a credit score in the mid to high 700s, your credit is considered to be in the good to excellent range and you are likely to get approved for most credit cards. The Citi Simplicity and Citi Diamond Preferred each offer 0% intro APR for 21 months which is the longest 0% intro APR on the market. However, neither of these cards come with a rewards program. Two credit cards that have great cash back rewards and a long introductory balance transfer offer are the Citi Double Cash and the Discover It Card . Both of these credit cards offer 0% intro APR for 18 months on balance transfers.

Picture of William A Mazur

By: | Oct 21, 2016

$9K to transfer, over 800 cr score. Looking for least transfer charge and longest 0% duration. Can you recommend a card?

1 Reply

By: CompareCards | Oct 24, 2016

With a credit score over 800, you should be able to get approved for a great balance transfer credit card. One excellent option is the Chase Slate card which comes with 0% intro APR for 15 months and no fee for balance transfers made within the first 60 days. If you're looking for a longer intro APR, the Citi Simplicity and the Citi Diamond Preferred each have 0% intro APR for 21 months.

Picture of Tyris Worthy

By: | Oct 21, 2016

my score is 631 which card company will approve me

1 Reply

By: CompareCards | Oct 21, 2016

With a score of 631, your credit is considered fair and there are a number of solid credit cards offers you may be able to get approved for. Check out our page for credit cards for fair credit! Two options to consider would be the Capital One QuicksilverOne and the Barclaycard Rewards MasterCard.

Picture of John Stalls Sr

By: | Oct 19, 2016

I have several cards with a balance of $16,000 about, which card 's would help me out with a balance transfer,to help my credit score. Need help for 36 months.

1 Reply

By: CompareCards | Oct 20, 2016

There are a number of excellent balance transfer offers on the market that could help you pay down your debt much quicker. One great option 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. The Citi Simplicity and the Citi Diamond Preferred also offer 0% intro APR for 21 months.

Picture of Michelle Polak

By: | Oct 6, 2016

I have 10K on two credit cards to transfer. What is my least expensive option?

1 Reply

By: CompareCards | Oct 12, 2016

The Chase Slate card is an excellent option for balance transfers as it comes with 0% intro APR for 15 month and no fee for balance transfers made within the first 60 days. Two other great choices would be the Citi Diamond Preferred and Citi Simplicity which both come with 0% intro APR for 21 months and no annual fee.

Picture of Gerolama Palarmo

By: | 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!

Picture of Ron Borgatti

By: | 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.

Page:

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.

Trusted & Secure
  • Empowering over
    50,000,000 card holders Since 2005

  • Norton Secured
Back to top ↑