Reviews
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CompareCards says issuers are providing such generous deals, they're virtually irresistible for those willing to switch.
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Those who always pay their balances in full and on time will usually come out ahead.
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The offers on the credit card landscape are constantly changing which is great news for consumers.
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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.
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CompareCards was one of three sites that met all the criteria.
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Balance Transfer Credit Cards
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Our pick for best unlimited cash back card
- Welcome Offer Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
- Rewards Rate Earn unlimited 2% cash rewards on purchases
- Purchase and BT APR 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 20.24%, 25.24%, or 29.99% Variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% intro for 120 days from account opening, then up to 5%; min: $5
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand Visa®
- Welcome Offer Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
- Rewards Rate Earn unlimited 2% cash rewards on purchases
- Purchase and BT APR 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 20.24%, 25.24%, or 29.99% Variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% intro for 120 days from account opening, then up to 5%; min: $5
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand Visa®
Highlights
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don't expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
See additional details for Wells Fargo Active Cash® Card
Our pick for low-maintenance earning
- Sign-Up Bonus Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.
- Rewards Rate Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
- Intro APR 0% intro APR for 15 months on purchases and balance transfers, then 19.24% - 29.24% (Variable)
- Annual Fee $0
- Credit Needed Excellent/Good/Fair
- Card Brand Mastercard®
- Sign-Up Bonus Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.
- Rewards Rate Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
- Intro APR 0% intro APR for 15 months on purchases and balance transfers, then 19.24% - 29.24% (Variable)
- Annual Fee $0
- Credit Needed Excellent/Good/Fair
- Card Brand Mastercard®
Highlights
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee
- Citi will only issue one Citi Custom Cash® Card account per person.
See additional details for Citi Custom Cash® Card
Our pick for best first year bonus on a balance transfer card
- Balance Transfer APR 0% Intro APR for 18 months, then 17.24% - 28.24% Variable APR
- Rewards Rate 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically
- Sign-Up Bonus Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand Discover
- Balance Transfer APR 0% Intro APR for 18 months, then 17.24% - 28.24% Variable APR
- Rewards Rate 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically
- Sign-Up Bonus Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand Discover
Highlights
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Every $1 you earn in cash back is $1 you can redeem
- No annual fee.
- Terms and conditions apply.
See additional details for Discover it® Balance Transfer
- Intro Purchase APR 0% intro APR for 18 billing cycles on Purchases
- Intro BT APR 0% intro APR for 18 billing cycles on Balance Transfers
- Regular Purchase & BT APR 18.74% - 29.74% (Variable)
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand Visa®
- Intro Purchase APR 0% intro APR for 18 billing cycles on Purchases
- Intro BT APR 0% intro APR for 18 billing cycles on Balance Transfers
- Regular Purchase & BT APR 18.74% - 29.74% (Variable)
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand Visa®
Highlights
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 18.74% - 29.74%.
- 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 U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
- Choose a payment due date that fits your schedule
- No Annual Fee
- Terms and conditions apply.
See additional details for U.S. Bank Visa® Platinum Card
Our pick for choosing your own cash back rewards
- Intro APR 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
- Sign-Up Bonus $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
- Rewards Rate Earn 3% cash back in the category of your choice - now with expanded categories, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand Visa®
- Intro APR 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
- Sign-Up Bonus $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
- Rewards Rate Earn 3% cash back in the category of your choice - now with expanded categories, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand Visa®
Highlights
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice - now with expanded categories, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- Newly expanded categories based on Bank of America customer feedback! 3% cash back on Gas (to now include Electric Vehicle Charging (EVC) Stations) and Online Shopping (to now include Cable, Streaming, Internet and Phone Services).
- If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
- No annual fee and no expiration on rewards.
- 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
See additional details for Bank of America® Customized Cash Rewards credit card
- Rewards Rate 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose. 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center. 2% cash back on one everyday category, like Gas Stations and EV Charging Stations, Grocery Stores or Restaurants. 1% cash back on all other eligible purchases.
- Sign-Up Bonus $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening
- Intro APR 0% intro APR on purchases for the first 15 billing cycles, then 19.49% - 29.74% (Variable) and 0% Intro APR on balance transfers for the first 15 billing cycles, then 19.49% - 29.74% (Variable)
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand Visa®
- Rewards Rate 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose. 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center. 2% cash back on one everyday category, like Gas Stations and EV Charging Stations, Grocery Stores or Restaurants. 1% cash back on all other eligible purchases.
- Sign-Up Bonus $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening
- Intro APR 0% intro APR on purchases for the first 15 billing cycles, then 19.49% - 29.74% (Variable) and 0% Intro APR on balance transfers for the first 15 billing cycles, then 19.49% - 29.74% (Variable)
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand Visa®
Highlights
- $200 rewards bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
- 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose.
- 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center.
- 2% cash back on one everyday category, like Gas Stations and EV Charging Stations, Grocery Stores or Restaurants.
- 1% cash back on all other eligible purchases.
- 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 19.49% - 29.74%
- No Annual Fee.
- Terms and conditions apply.
See additional details for U.S. Bank Cash+® Visa Signature® Card
Our pick for longest period of 0% intro APR on balance transfers
- Intro Purchase APR 0% for 12 months on Purchases
- Intro Balance Transfer APR 0% for 21 months on Balance Transfers
- Regular Purchase & BT APR 18.24% - 28.99% (Variable)
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand Mastercard®
- Intro Purchase APR 0% for 12 months on Purchases
- Intro Balance Transfer APR 0% for 21 months on Balance Transfers
- Regular Purchase & BT APR 18.24% - 28.99% (Variable)
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand Mastercard®
Highlights
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.24% - 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- No Annual Fee - our low intro rates and all the benefits don’t come with a yearly charge
See additional details for Citi® Diamond Preferred® Card
- Intro BT APR 0% intro APR for 15 months on balance transfers, then 12.15% to 29.15% variable regular APR
- Eligibility Must be a USAA member, or become a member, to apply.
- Rates & Fees $0 annual fee, no penalty APR & no foreign transaction fee
- Annual Fee $0
- Credit Needed Excellent/Good/Fair
- Card Brand Visa®
- Intro BT APR 0% intro APR for 15 months on balance transfers, then 12.15% to 29.15% variable regular APR
- Eligibility Must be a USAA member, or become a member, to apply.
- Rates & Fees $0 annual fee, no penalty APR & no foreign transaction fee
- Annual Fee $0
- Credit Needed Excellent/Good/Fair
- Card Brand Visa®
Highlights
- Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
- Intro Offer: Get a 0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening. After this time, the variable regular APR of 12.15% to 29.15% will apply to introductory balances.
- A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
- Take advantage of USAA's lowest interest rate card, whether you're making a purchase or transferring a balance.
- Pay less in interest if you carry a balance from month to month.
- Enjoy the same low variable regular APR on purchases, balance transfers, and cash advances.
- No annual fee.
- No foreign transaction fees.
- See Rates and Fees for details.
See additional details for USAA Rate Advantage Credit Card
Our pick for doubling your cash back
- Intro BT APR 0% for 18 months on Balance Transfers
- Rewards Rate Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
- Regular Purchase & BT APR 19.24% - 29.24% (Variable)
- Annual Fee $0
- Credit Needed Excellent/Good/Fair
- Card Brand Mastercard®
- Intro BT APR 0% for 18 months on Balance Transfers
- Rewards Rate Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
- Regular Purchase & BT APR 19.24% - 29.24% (Variable)
- Annual Fee $0
- Credit Needed Excellent/Good/Fair
- Card Brand Mastercard®
Highlights
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
See additional details for Citi Double Cash® Card
- Lower Your APR Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.
- Intro Purchase APR 0% Intro APR on Purchases for 18 months. Then, a 20.49% – 29.24% Variable APR applies.
- Intro Balance Transfer APR 0% Intro APR on Balance Transfers for 18 months. Then, a 20.49% – 29.24% Variable APR applies.
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand Visa®
- Lower Your APR Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.
- Intro Purchase APR 0% Intro APR on Purchases for 18 months. Then, a 20.49% – 29.24% Variable APR applies.
- Intro Balance Transfer APR 0% Intro APR on Balance Transfers for 18 months. Then, a 20.49% – 29.24% Variable APR applies.
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand Visa®
Highlights
- Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 20.49% - 29.24% on balance
- Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.
- Raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months.
- All for no annual fee - You won't have to pay an annual fee for all the great features that come with your Slate EdgeSM card
- Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more
- Member FDIC
See additional details for Chase Slate Edge℠
- Intro APR 0% for 15 months on purchases and 0% for 15 months on balance transfers
- Rewards Rate Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
- Regular APR 18.74% - 28.74% (Variable) on purchases and balance transfers
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand Mastercard®
- Intro APR 0% for 15 months on purchases and 0% for 15 months on balance transfers
- Rewards Rate Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
- Regular APR 18.74% - 28.74% (Variable) on purchases and balance transfers
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand Mastercard®
Highlights
- Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
- Plus, for a limited time, earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on the Citi Travel℠ portal through June 30, 2024.
- 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
- The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
- No Annual Fee
See additional details for Citi Rewards+® Card
- Intro Purchase and BT APR 0% for 12 billing cycles on purchases, then 18.24% - 29.24% (Variable) and 0% for 12 billing cycles on balance transfers, then 18.24% - 29.24% (Variable)
- Rewards Rate Earn 4X points on dining, takeout, and restaurant delivery, 2X points at grocery stores, grocery delivery, gas stations, EV charging stations and on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more! And earn 1X points on all other eligible purchases.
- Sign-Up Bonus Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand Visa®
- Intro Purchase and BT APR 0% for 12 billing cycles on purchases, then 18.24% - 29.24% (Variable) and 0% for 12 billing cycles on balance transfers, then 18.24% - 29.24% (Variable)
- Rewards Rate Earn 4X points on dining, takeout, and restaurant delivery, 2X points at grocery stores, grocery delivery, gas stations, EV charging stations and on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more! And earn 1X points on all other eligible purchases.
- Sign-Up Bonus Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand Visa®
Highlights
- Intro Offer: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more.
- 4X points on dining, takeout, and restaurant delivery.
- 2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!
- 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations
- 1X point on all other eligible purchases.
- 0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 18.24% - 29.24%.
- No Annual Fee
- Points never expire
- Every Altitude® Go Visa Card is made with recycled plastic, helping to reduce the amount of plastic waste in the environment.
- Terms and conditions apply.
See additional details for U.S. Bank Altitude® Go Visa Signature® Card
*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.
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.
Look in this section for the best balance transfer credit cards that offer good deals such as 0% interest for 1 to 2 years 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.
