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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 147 Offer Ratings
Over the Past 60 Days!

(147) 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 963 Offer Ratings
Over the Past 60 Days!

(963) 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 1,058 Offer Ratings
Over the Past 60 Days!

(1,058) 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 278 Offer Ratings
Over the Past 60 Days!

(278) 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 324 Offer Ratings
Over the Past 60 Days!

(324) 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 268 Offer Ratings

(268)
  • 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 Marcel Tardie

By: | Jan 28, 2018

I have 2 credit cards with a total of $16000 balance.Which card would be the best for me .

1 Reply

By: CompareCards | Feb 2, 2018

There are a number of excellent balance transfer credit cards offering 0% intro APR for as long as 18 months. Two of the most popular options would be the Chase Slate®and the Discover it® - 18 Month Balance Transfer Offer.

Picture of Shawn Sadjatumwadee

By: | Jan 26, 2018

Are there no longer good cards that offer no transfer fee?

1 Reply

By: CompareCards | Feb 2, 2018

To save on your balance transfer fee, one great option is the Chase Slate®!

Picture of Vickie Ray

By: | Jan 15, 2018

Will it hurt your credit rating to apply for a card and transfer your balance from another card?

1 Reply

By: CompareCards | Jan 19, 2018

Anytime you apply for a new credit card, a hard inquiry will be reported to the credit bureaus which may have a slight negative impact on your credit score. However, this effect will be small and temporary for an isolated application. And if you are applying for a credit card to pay off the balance on another card this may actually have a positive impact on your credit in the long run. This is because by opening a new account to pay off your debt you will be decreasing your credit utilization rate significantly.

Picture of Linda Lombardi Rivello

By: | Jan 9, 2018

I have two citi bank cards a Simplicity and a Thank You can I use a newer citi bank to transfer balances

Picture of Pat Buheller

By: | Jan 4, 2018

I put $8,000 on my Visa Card now I want to transfer that amount and pay this off over a period time. What are my options? My credit is good/excellent in the 700's.

1 Reply

By: CompareCards | Jan 11, 2018

If your credit is Good/Excellent, then you have a good chance of getting approved for most of the balance transfer credit cards available on this page. A few of the best options include the Citi® Diamond Preferred® Card– 21 Month Balance Transfer Offer, the Chase Slate®, and the Discover it® - 18 Month Balance Transfer Offer.

Picture of Debbie Gunst McDonald

By: | Dec 8, 2017

I want to transfer some cards to a long 0% transfer but would like to have rewards based card to do it with. Which rewards cards have the best rewards and lowest transfer rates?

1 Reply

By: CompareCards | Dec 20, 2017

A of the best balance transfer credit cards that also offer competitive rewards include the Citi® Double Cash Card – 18 month BT offer, the Discover it® - 18 Month Balance Transfer Offer, and the Blue Cash Everyday® Card from American Express.

Picture of Gwendolyn Dawn Pucheta

By: | Nov 30, 2017

Can you transfer 3 or 4 different small credit cards to one?

1 Reply

By: CompareCards | Dec 7, 2017

Most cards do allow you to transfer balances from multiple cards as long as you don't exceed your credit limit, but the specifics may depend on the terms and conditions of the credit card that you apply for.

Picture of Lani Marshall

By: | Nov 18, 2017

Hi, I want to do a balance transfer on a credit card with a high interest rate, however, I owe $20,000. Is there a credit card with that high of a balance transfer that you know of?

2 Replies

By: CompareCards | Nov 18, 2017

The line of credit you are approved for will depend on your score. The higher your credit score is, the more likely it is that you will get approved for a higher credit limit.

By: David Fagerberg | Dec 15, 2017

Transfer that high of a balance between 2 new cards. $6600 to Discover IT card and $6600 to the Citi Bank simplicity card....I have both and they have high limits with 0 percent for 18 months and 21 months balance transfer programs going on now....your welcome

Picture of Jo Renee

By: | Nov 16, 2017

My credit score is 729 do you think I would be approved for any of these cards?

1 Reply

By: CompareCards | Nov 18, 2017

With a score of 729, your credit is considered "good" and you have a solid chance of getting approved for any card that lists it's Credit Needed as "Good" or "Excellent/Good".

Picture of Chris Mozer

By: | Nov 12, 2017

I have about $7800 on a credit card. Want to transfer the entire balance to another card that offer 0% interest for up to 21 months. Anyone know one?

1 Reply

By: CompareCards | Nov 16, 2017

For the longest possible intro APR, check out the Citi Simplicity® Card - No Late Fees Ever or the Citi® Diamond Preferred® Card– 21 Month Balance Transfer Offer!

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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
" " 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.

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