Balance Transfer Credit Cards

  • Compare the best balance transfer cards from our partners offering 0% for up to 21 months
  • Expert and Independent ratings & consumer reviews
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Regular Purchase APR

12.99%-21.99% (Variable)*

Intro Purchase APR

0% for 12 Months*

Intro BT APR

0% for 18 Months*

Sign Up Offer

Intro Purchase APR 0% for 12 Months*
Intro Balance Transfer: 0% for 18 Months*

Ongoing Information

Regular Purchase APR: 12.99%-21.99% (Variable)*
Annual Fee: $0*
Credit Needed:
 
Excellent Credit

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

Get Your Free Score!
Excellent

Highlights

  • Click "APPLY NOW" to apply online or call 866-493-7996
  • 0% Intro APR on Balance Transfers for 18 months and 0% Intro APR on Purchases for 12 months. After each introductory period ends, 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 call888-359-3565

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Regular Purchase APR

11.99%-21.99%* (Variable)

Intro Purchase APR

0% for 12 Months*

Intro BT APR

0% for 18 Months*

Sign Up Offer

Intro Purchase APR 0% for 12 Months*
Intro Balance Transfer: 0% for 18 Months*

Ongoing Information

Regular Purchase APR: 11.99%-21.99%* (Variable)
Annual Fee: $0*
Credit Needed:
 
Excellent Credit

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

Get Your Free Score!
Excellent

Highlights

  • Click "APPLY NOW" to apply online or call 888-359-3565
  • Get 0% Intro APR on Balance Transfers for 18 months and 0% Intro APR on Purchases for 12 months. After each introductory period ends, the variable APR will be 11.99% - 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.*
  • With Citi® Easy Deals(SM), get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • 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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Regular Purchase APR

12.99% - 22.99% Variable* on purchases & balance transfers

Intro Purchase APR

0% for purchases for 12 billing cycles*

Intro BT APR

0% for qualifying balance transfers for 12 billing cycles*

Sign Up Offer

Intro Purchase APR 0% for purchases for 12 billing cycles*
Intro Balance Transfer: 0% for qualifying balance transfers for 12 billing cycles*

Ongoing Information

Regular Purchase APR: 12.99% - 22.99% Variable* on purchases & balance transfers
Annual Fee: $0
Credit Needed:
 
Excellent Credit

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

Get Your Free Score!
Excellent

Highlights

  • Online-exclusive $100 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 1% cash back on purchases everywhere, every time
  • 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery store and gas purchases each quarter.
  • Bank of America customers: Get an on-going 10% customer bonus every time you redeem cash back into a Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.99%-22.99% variable APR
  • No annual fee
  • No changing categories and your rewards do not expire
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Regular Purchase APR

12.99%, 17.99%, 22.99% (V)

Intro Purchase APR

0% for 15 Months*

Intro BT APR

0% for 15 Months*

Sign Up Offer

Intro Purchase APR 0% for 15 Months*
Intro Balance Transfer: 0% for 15 Months*

Ongoing Information

Regular Purchase APR: 12.99%, 17.99%, 22.99% (V)
Annual Fee: $0
Credit Needed:
 
Excellent Credit

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

Get Your Free Score!
Excellent

Highlights

  • Click "APPLY NOW" to apply online 
  • Pay less interest. Save on balances and new purchases
  • $0 introductory balance transfer fee for transfers made during the first 60 days. After that, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5.
  • 0% Introductory APR for 15 months on purchases and balance transfers. After the introductory period ends, a variable APR of 12.99%, 17.99%, or 22.99%.
  • $0 Annual Fee
  • Best 0% Offer in “Crowning 2013’s Best Credit Card Offers” (January 14, 2013)-Forbes Online
     
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Regular Purchase APR

13.99%-22.99% Variable*

Reward

$100 Bonus*

Intro Purchase APR

0% for 15 months on purchases and BTs*

Sign Up Offer

Intro Purchase APR 0% for 15 months on purchases and BTs*
Intro Balance Transfer: 0% for 15 months on purchases and BTs*

Ongoing Information

Regular Purchase APR: 13.99%-22.99% Variable*
Annual Fee: $0
Credit Needed:
 
Excellent Credit

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

Get Your Free Score!
Excellent/Good

Highlights

  • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99%-22.99%.
  • 5% Cash Back on up to $1,500 in combined purchases between July 1 and September 30, 2014 at gas stations and Kohl's®
  • 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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Regular Purchase APR

10.99% - 22.99%* (Variable)

Intro Purchase APR

0%* for 6 Months

Intro BT APR

0% for 18 Months

Sign Up Offer

Intro Purchase APR 0%* for 6 Months
Intro Balance Transfer: 0% for 18 Months

Ongoing Information

Regular Purchase APR: 10.99% - 22.99%* (Variable)
Annual Fee: $0
Credit Needed:
 
Excellent Credit

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

Get Your Free Score!
Excellent

Highlights

  • 0% intro APR on balance transfers for 18 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • Rated 4.8 out of 5 Stars by over 4,000 cardmembers.*
  • No annual fee, no late fee for your first late payment - APR won't go up for you paying late, no overlimit fee and no foreign transaction fee.*
  • Free FICO® Credit Score online and on monthly statements.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 when you sign up*. 1% cash back on all other purchases automatically.*
  • 100% U.S.- based customer service - anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
 
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Regular Purchase APR

10.99% - 22.99%* (Variable)

Intro Purchase APR

0% for 14 Months

Intro BT APR

0% for 14 Months

Sign Up Offer

Intro Purchase APR 0% for 14 Months
Intro Balance Transfer: 0% for 14 Months

Ongoing Information

Regular Purchase APR: 10.99% - 22.99%* (Variable)
Annual Fee: $0
Credit Needed:
 
Excellent Credit

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

Get Your Free Score!
Excellent

Highlights

  • 0% intro APR on purchases & balance transfers for 14 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance. 
  • Rated 4.8 out of 5 stars by over 4,000 cardmembers.*
  • No annual fee, no late fee for your first late payment - APR won't go up for you paying late, no overlimit fee and no foreign transaction fee.*
  • Free FICO® Credit Score online and on monthly statements.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 when you sign up*. 1% cash back on all other purchases automatically.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • U.S.- based customer service - anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
 
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Regular Purchase APR

12.99%-22.99%* (Variable)

Intro Purchase APR

0% for 12 Months*

Intro BT APR

0% for 12 Months*

Sign Up Offer

Intro Purchase APR 0% for 12 Months*
Intro Balance Transfer: 0% for 12 Months*

Ongoing Information

Regular Purchase APR: 12.99%-22.99%* (Variable)
Annual Fee: $0*
Credit Needed:
 
Excellent Credit

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

Get Your Free Score!
Excellent

Highlights

  • Earn $100 cash back after $500 in purchases within the first 3 months of account opening 
  • Earn 5% CASH BACK in categories every quarter.  Right now, on eligible purchases within the Hilton Portfolio, car rental agencies, movie theatres and theme parks from 7/1/14 - 9/30/14.
  • Enrollment each quarter is quick and easy 
  • Earn 1% cash back on all other purchases.
  • The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer. See Citi Dividend Card Reward Program Information.
  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • No Annual Fee*
  • Click Apply Now to see pricing details
 
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Regular Purchase APR

10.9%-18.9% (V)

Intro Purchase APR

0% until November 2015

Intro BT APR

0% until November 2015

Sign Up Offer

Intro Purchase APR 0% until November 2015
Intro Balance Transfer: 0% until November 2015

Ongoing Information

Regular Purchase APR: 10.9%-18.9% (V)
Annual Fee: $0
Credit Needed:
 
Excellent Credit

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

Get Your Free Score!
Excellent/Good

Highlights

  • Get 0% intro APR on all purchases until November 2015
  • Balance transfers also have a 0% intro APR until November 2015, a 3% fee applies to each balance transferred
  • Enjoy no annual fee
  • Get peace of mind with fraud coverage if your card is lost or stolen
  • Enjoy extended warranty protection on eligible items purchased with your card
  • Fast and easy access, 24/7
  • Rent a car using your card and get collision, damage, and loss insurance
  • Feel secure with 24-hour roadside assistance 
 
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or call888-909-5733

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Regular Purchase APR

12.9%-22.9% (V)

Intro Purchase APR

0% APR on purchases until May 2015

Rewards Rate

Earn 1.5% Cash Back on all Purchases*

Sign Up Offer

Intro Purchase APR 0% on purchases until May 2015
Intro Balance Transfer: 0% until May 2015

Ongoing Information

Regular Purchase APR: 12.9%-22.9% (V)
Annual Fee: $0
Rewards Rate: Earn 1.5% Cash Back on all Purchases*
Credit Needed:
 
Excellent Credit

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

Get Your Free Score!
Excellent/Good

Highlights

  • One-time $100 bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards 
  • Redeem the cash back you earn for any amount, any time
  • Your cash back doesn't expire
  • 0% intro APR on all purchases until May 2015
  • Balance transfers also have a 0% intro APR until May 2015, a 3% fee applies to each balance transferred 
  • No annual fee
 
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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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