
Balance Transfer Credit Cards
- Compare the best balance transfer cards offering 0% for up to 18 months
- Expert and Independent ratings & consumer reviews
- Secure and immediate online application process
- Intro APR 0% for 18 Months*
- Intro BT APR 0% for 18 Months*
- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
- 5% Back Each Month - Get 5% of your required Minimum Payment Due back as a statement credit each month when you pay more than the minimum due on time.
- Peace of mind through direct access to a service representative, no late fees and no penalty rate
- No annual fee
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0% for 18 Months* | 0% for 18 Months* | 12.99%-21.99% (Variable)* | None | Excellent - Good |
- Intro APR 0% for 18 Months
- Intro BT APR 0% for 18 Months
- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based upon your creditworthiness.*
- 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more
- Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass®
- $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
- No annual fee*
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0% for 18 Months | 0% for 18 Months | 11.99%-21.99% (Variable)* | None | Excellent - Good |
- Intro APR 0% for 15 Months*
- Intro BT APR 0% for 15 Months*
- Limited Time: No Balance Transfer Fee!*
- Transfer your higher rate balances during the first 30 days your account is open and you will pay no balance transfer fee!
- After the first 30 days, the balance transfer fee is 3% of the amount transferred with a minimum of $5
- 0% Intro APR for up to 15 months - a variable APR as low as 11.99-21.99% after your 0% ends
- Slate with Blueprint helps you pay down your balances faster and save on interest
- Zero liability on unauthorized purchases*
- No Annual Fee*
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0% for 15 Months* | 0% for 15 Months* | 11.99-21.99% (Variable)* | None | Excellent |
- Intro APR 0% until September 2013
- Intro BT APR 0% until September 2013
- 0% intro APR until September 2013 on balance transfers
- 0% intro APR until September 2013 on purchases
- No annual fee
- $0 Fraud Liability if your card is lost or stolen
- 24-hour travel & emergency assistance gives you a replacement card and cash advance
- 24-hour roadside assistance
- Travel accident insurance
- Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0% until September 2013 | 0% until September 2013 | 10.90%-18.90% (Variable)* | None | Excellent |
- 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- $0 Fraud Liability plus automatic mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0%* for 6 Months | 0%* for 18 Months | 10.99-20.99% (Variable)* | None | Excellent |
- Intro APR 0% until June 2013*
- Intro BT APR 0% until June 2013*
- $100 Bonus after you spend $500 in the first 3 months
- 50% bonus on the cash back you earn every year
- 1% cash back on all purchases
- No annual fee
- Earn unlimited cash back that doesn't expire
- Redeem cash back anytime for any amount, even set automatic redemptions
- Personalize your card with an image of your choice
- 0% intro APR on purchases and balance transfers until June 2013.
- 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
- Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- $0 Fraud Liability plus automatic mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0% for 15 Months* | 0% for 15 Months* | 10.99-20.99% (Variable)* | None | Excellent |
Updated by Chris Mettler on
Compare Balance Transfer Credit Card 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 deals 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.











