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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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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 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!

Picture of Louis Wilches

By: | 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.

Picture of Lynn Burgess

By: | 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.

Picture of FT Hill

By: | 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

Picture of John Leon

By: | 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.

Picture of Kathleen Reynolds

By: | 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.

Picture of Michelle Martin

By: | 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.

Picture of Kathy Dickens Runge

By: | 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.

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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.

Reviews
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" " 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.

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