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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 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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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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HSBC Gold Mastercard® credit card

 

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Your Rating:

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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Your Rating:

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 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.

Picture of Dusty Headphones

By: | 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!

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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.

" " CompareCards was one of three sites that met all the criteria.

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