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
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800-340-7968

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Intro APR

0% for 18 Months*

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Intro BT

0% for 18 Months*

Sign Up Offer

Card Highlights:

  • Rewards Program
  • Reward Bonuses
  • Average Purchase Rate
  • Introductory Rate
  • Annual Fee

Purchase APR

0% for 18 Months*

Balance Transfer:

0% for 18 Months*

Ongoing Information

Regular APR:

12.99%-21.99% (Variable)*

Annual Fee:

$0*

Credit Needed:

Excellent to Good

More Details

Highlights

  • Click "APPLY NOW" to apply online or call 800-340-7968
  • 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.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
  • No penalty rate - EVER
  • No annual fee - EVER
  • Save time when you call with fast, personal help, 24 hours a day. 
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or call
800-517-4031

Apply Securely

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Intro APR

0% for 18 Months*

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Intro BT

0% for 18 Months*

Sign Up Offer

Card Highlights:

  • Rewards Program
  • Reward Bonuses
  • Average Purchase Rate
  • Introductory Rate
  • Annual Fee

Purchase APR

0% for 18 Months*

Balance Transfer:

0% for 18 Months*

Ongoing Information

Regular APR:

11.99%-21.99% (Variable)*

Annual Fee:

$0*

Credit Needed:

Excellent to Good

More Details

Highlights

  • Click "APPLY NOW" to apply online or call 800-517-4031
  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness* 
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer
  • Citi® Price Rewind searches for a lower price. Learn how you can get lower price after you purchase an item
  • Let our 24/7 concierge service help book your hotel rooms, flights and more 
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
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or call
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Apply Securely

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Intro APR

0%* for 6 Months

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Intro BT

0% for 18 Months

Sign Up Offer

Card Highlights:

  • Rewards Program
  • Reward Bonuses
  • Average Purchase Rate
  • Introductory Rate
  • Annual Fee

Purchase APR

0%* for 6 Months

Balance Transfer:

0% for 18 Months

Ongoing Information

Regular APR:

10.99% - 22.99%* (Variable)

Annual Fee:

$0

Credit Needed:

Excellent

More Details

Highlights

  • The new Discover it card is out to change the way people think about credit cards.
  • Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
  • Generous...5% CashBack Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
  • Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
  • Flexible...Choose your own due date and pay up to midnight ET online or by phone.
  • Human...talk to a real person any time with 100% U.S.-based service.
  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions.
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Apply Securely

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Intro APR

0% for 12 Months*

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Intro BT

0% for 12 Months*

Sign Up Offer

Card Highlights:

  • Rewards Program
  • Reward Bonuses
  • Average Purchase Rate
  • Introductory Rate
  • Annual Fee

Purchase APR

0% for 12 Months*

Balance Transfer:

0% for 12 Months*

Ongoing Information

Regular APR:

12.99%-22.99%* (Variable)

Annual Fee:

$0

Credit Needed:

Excellent to Good

More Details

Highlights

 

  • $100 cash back after $500 in purchases within the first 3 months of account opening
  • 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • Earn 5% cash back from Citi at Home Depot, Home furnishing stores and home and garden stores between 4/1/13 and 6/30/13, with enrollment
  • Enroll at no additional cost each quarter for new categories that earn additional cash back
  • Full 1% cash back on all other purchases and eligible cash advances.
  • No Annual Fee*
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or call
888-689-1268

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Intro APR

0% Intro APR for 15 months on purchases and balance transfers

Icon
Intro BT

0% for 15 Months*

Sign Up Offer

Card Highlights:

  • Rewards Program
  • Reward Bonuses
  • Average Purchase Rate
  • Introductory Rate
  • Annual Fee

Purchase APR

0% Intro APR for 15 months on purchases and balance transfers

Balance Transfer:

0% for 15 Months*

Ongoing Information

Regular APR:

11.99%-21.99% Variable

Annual Fee:

$0

Credit Needed:

Excellent

More Details

Highlights

  • Introductory offer - No Balance Transfer Fee!*
  • Transfer a balance during the first 60 days your account is open, and as an introductory offer you will pay no balance transfer fee!*
  • 0% Intro APR for 15 months on purchases and balance transfers!*
  • Avoid interest and pay down balances faster with free Blueprint® features*
  • Patented Fraud Protection and zero liability on unauthorized purchases*
  • Add an additional card user to your Slate account at no extra cost*
  • No Annual Fee*
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Add to Compare
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or call
877-516-9009

Apply Securely

Icon
Intro APR

0% for 15 months on purchases and balance transfers

Icon
Intro BT

0% for 15 months

Sign Up Offer

Card Highlights:

  • Rewards Program
  • Reward Bonuses
  • Average Purchase Rate
  • Introductory Rate
  • Annual Fee

Purchase APR

0% for 15 months on purchases and balance transfers

Balance Transfer:

0% for 15 months

Ongoing Information

Regular APR:

13.99%-22.99% Variable

Annual Fee:

$0

Credit Needed:

Excellent

More Details

Highlights

  • Click "APPLY HERE" to apply online
  • This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts 
  • Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months from account opening 
  • 0% Intro APR for 15 months on purchases and balance transfers 
  • 5% Cash Back on up to $1,500 spent between July 1 and September 30, 2013 at gas stations, theme parks, and Kohls® 
  • You'll enjoy new 5% categories every 3 months like gas stations, restaurants and Amazon.com. It's free and easy to activate your bonus each quarter! 
  • Unlimited 1% Cash Back on all other purchases 
  • No annual fee and rewards never expire 
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or call
888-909-5736

Apply Securely

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Intro APR

0% on purchases until September 2014

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Intro BT

0% until September 2014

Sign Up Offer

Card Highlights:

  • Rewards Program
  • Reward Bonuses
  • Average Purchase Rate
  • Introductory Rate
  • Annual Fee

Purchase APR

0% on purchases until September 2014

Balance Transfer:

0% until September 2014

Ongoing Information

Regular APR:

10.90%-18.90% (Variable)*

Annual Fee:

None

Credit Needed:

Excellent

More Details

Highlights

  • 0% intro APR until September 2014 on balance transfers
  • 0% intro APR until September 2014 on purchases
  • No annual fee
  • $0 Fraud Liability if your card is lost or stolen
  • 24-hour travel assistance gives you a replacement card and cash advance
  • 24-hour roadside assistance
  • Pick an image for your card - choose the one shown here, any of the hundreds in our collection, or add your own

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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.

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*Disclamer: See the online credit card application for details about terms and conditions. This site may be compensated by credit card issuers when a reader applies for a credit card through the links on this site. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click on the "Apply Here" button and review info on the secure credit card terms page.

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