Add cards to start comparing.

Compare Cards

Balance Transfer Calculator

Pay Down Debt Faster

Carrying a credit card balance month after month? Paying high interest rates?Transferring a balance is an easy, effective way to pay down debt faster.

Our Balance Transfer Calculator will help determine how much money you could besaving just by transferring your existing credit card balance(s) to a low interest ratecredit card.

How to use the balance transfer calculator:

  1. Add the current balance of up to five credit cards you want to transfer.
  2. Add the current interest rate for each applicable credit card.
  3. Enter the intro APR and length of the intro APR for the credit card you wish totransfer your balance(s) to, such as 0% for 12 months.
  4. Enter the interest rate of the credit card you wish to transfer your balance(s) to.This will typically be a range (like 12.9% - 22.9% variable), so use a mid-range APR to be safe.
  5. Enter the annual fee and balance transfer fee for the credit card you wish to transfer your balance(s) to.
  6. Click “CALCULATE” to see your results!

How much can I save by transferring my existing credit card balance?

The exact amount you can save depends on the terms of the credit card. There are two fees associated with balance transfers: the balance transfer APR, and the balance transfer fee. The APR works just like the APR you pay for purchases (or to carry a balance). So, you’ll want to transfer your balance(s) to a card that offers 0% intro APR on balance transfers for 12-21 months. The balance transfer fee is the amount that’s charged to process each transfer. It’s charged on a per-transfer basis, and typically doesn’t exceed 5% of the amount of the transfer.

Most credit cards only offer 0% intro APR on balance transfers, or, no balance transfer fees. However, there is one card on the market that offers both options. When comparing different balance transfer credit cards, keep it simple and use common sense.

NOTE: The balance transfer calculator is a self help tool and is not intended to provide financial advice to its users. We cannot guarantee the accuracy of results when applied to a user's individual factors. Please seek professional advice regarding all personal financial issues.

Regarding your current credit card(s):

Card Balance Interest Rate APR
$ %
$ %
$ %
$ %
$ %

Regarding the card you're transferring to:

%
months
%
$
%

Top Balance Transfer Credit Cards

Discover it® - 21 Month Balance Transfer Offer

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

4.0/5.0 from 254 Offer Ratings
Over the Past 60 Days!

(254) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% for 21 Months*
  • Rewards Rate 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 Credit

    Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

    Get Your Free Score!
    Excellent/Good Credit
  • Card Brand

Highlights

  • Click "APPLY NOW" to apply online or call 888-333-5886
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, unlimited 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 FICO® Credit Score for free on monthly statements and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

See additional details for Discover it® - 21 Month Balance Transfer Offer

More Info

Expand Details

Wells Fargo Platinum Visa® Credit Card

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.9/5.0 from 461 Offer Ratings
Over the Past 60 Days!

(461) Over the Past 60 Days!
  • Introductory APR 0% for 15 months on purchases and balance transfers*
  • Low Fees Enjoy $0 Annual Fee
  • Cell Phone Protection Covers damage & theft, up to $600 per claim*
  • Annual Fee $0
  • Credit Needed
     
    Excellent Credit

    Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

    Get Your Free Score!
    Excellent
  • Card Brand

Highlights

  • Click "APPLY NOW" to apply online
  • 0% Intro APR for 15 months on purchases and balance transfers, then a 15.65%-25.49% 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® Credit 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® Credit Card

More Info

Expand Details

Chase Slate®

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.8/5.0 from 632 Offer Ratings
Over the Past 60 Days!

(632) Over the Past 60 Days!
  • Intro Purchase APR 0% for 15 Months*
  • Intro BT APR 0% for 15 Months*
  • Regular Purchase APR 15.49% - 24.24% Variable
  • Annual Fee $0
  • Credit Needed
     
    Excellent Credit

    Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

    Get Your Free Score!
    Excellent/Good
  • Card Brand

Highlights

  • Click "APPLY NOW" to apply online
  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • Monthly FICO® Score and Credit Dashboard for free
  • No Penalty APR – Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee

See additional details for Chase Slate®

More Info

Expand Details

BankAmericard® Credit Card

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.8/5.0 from 384 Offer Ratings
Over the Past 60 Days!

(384) Over the Past 60 Days!
  • Intro BT APR 0% for qualifying transfers for 18 billing cycles
  • Bonus Perks No annual fee and a free FICO® score
  • Regular APR 11.49% - 21.49% Variable APR on purchases and balance transfers
  • Annual Fee $0
  • Credit Needed
     
    Excellent Credit

    Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

    Get Your Free Score!
    Excellent/Good
  • Card Brand

Highlights

  • Click "APPLY NOW" to apply online or call 800-483-4499
  • 0% Introductory APR for 18 billing cycles for balance transfers made in the first 60 days, then 11.49% - 21.49% Variable APR
  • Balance transfer fee of either 3% of the amount of the transfer or $10 (whichever is greater) applies
  • No annual fee
  • Saves you more on interest when you transfer balances from higher rate credit cards
  • $0 Liability Guarantee, so you're not responsible for any fraudulent charges made on your account
  • Access your FICO® Score for free within Online and Mobile Banking
  • If you apply for a card over the phone and are approved, our representatives can transfer your balance over the phone

See additional details for BankAmericard® Credit Card

More Info

Expand Details