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Balance Transfer Credit Cards
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- Intro Balance Transfer APR 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days
- Intro Purchase APR 0% Introductory APR on purchases for 18 billing cycles
- Regular APR 14.49% - 24.49% Variable APR on purchases and balance transfers
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand Mastercard®
Highlights
- Click "APPLY NOW" to apply online or call 800-483-4499
- 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.49% - 24.49% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
- No annual fee
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply
- Access your FICO® Score for free within Online Banking or your Mobile Banking app
See additional details for BankAmericard® credit card
- Introductory APR 0% for 18 months on balance transfers & 0% for 6 months on purchases*
- Rewards Rate Earn 5% cash back on everyday purchases at different places each quarter up to the quarterly maximum, when you activate*
- Ongoing APR 13.49% - 24.49% Variable*
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand Discover
Highlights
- INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
- Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Redeem cash back any amount, any time. Rewards never expire.
- 100% U.S. based customer service.
- Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- No annual fee.
- See Rates & Fees
See additional details for Discover it® Balance Transfer
- Introductory APR 0% for 18 months on purchases and qualifying balance transfers*
- Low Fees Enjoy $0 Annual Fee
- Ongoing APR 16.99%-26.49% (Variable)*
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand Visa®
Highlights
- Pay down balances instead of interest with Wells Fargo's longest intro APR
- $0 Annual Fee
- 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 card
- Easy 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
- Select "Apply Now" to learn more about the product features, terms and conditions
- See Rates & Fees
See additional details for Wells Fargo Platinum card
- Introductory APR 0% for 15 months on purchases and balance transfers
- Sign-up Bonus $150 Bonus after you spend $500 on purchases in your first 3 months from account opening. Earn unlimited 1.5% cash back on all purchases.
- Regular APR 16.49% - 25.24% Variable
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand Visa®
Highlights
- Click "APPLY NOW" to apply online
- Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- Earn unlimited 1.5% cash back on all purchases.
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49 - 25.24%.
- 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5
- No annual fee
- No minimum to redeem for cash back
- Cash Back rewards do not expire as long as your account is open
See additional details for Chase Freedom Unlimited®
- Intro APRs 0% Introductory APR on purchases for 15 billing cycles and 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
- 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
- Regular APR 15.49% - 25.49% Variable APR on purchases and balance transfers
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand Mastercard®
Highlights
- Click "APPLY NOW" to apply online or call 800-716-6383
- No annual fee
- $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, 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
- 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, 15.49% - 25.49% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
- No expiration on rewards
- If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
See additional details for Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer
- Welcome Offer $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.*
- Bonus Rewards NEW 6% Cash Back on select U.S. streaming subscriptions & 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
- Rewards Rates 1% back on other purchases*
- Annual Fee $95
- Credit Needed Excellent/Good
- Card Brand American Express
Highlights
- Click "APPLY NOW" to apply online
- Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
- NEW 6% Cash Back on select U.S. streaming subscriptions.
- NEW 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
- Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
- Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%
- $95 annual fee.
- Terms Apply.
- See Rates & Fees
See additional details for Blue Cash Preferred® Card from American Express
- Rewards Rate Earn 3X points on eating out, ordering in and popular streaming services, 3X points on gas stations, rideshares and transit, and 3X points on travel including flights, hotels, homestays and car rentals. Earn 1X points on other purchases.
- Introductory APR 0% for 12 months on purchases and qualifying balance transfers
- Ongoing APR 15.49%-27.49% (Variable)
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand American Express
Highlights
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
- $0 annual fee and no foreign currency conversion fee
- Earn 3X points on eating out and ordering in
- Earn 3X points on travel including flights, hotels, homestays and car rentals
- Earn 3X points on gas stations, rideshares and transit
- Earn 3X points on popular streaming services
- Earn 1X points on other purchases
- Select "Apply Now" to learn more about the product features, terms and conditions
- See Rates & Fees
See additional details for Wells Fargo Propel American Express® card
- Intro APR 0% for 15 months on balance transfers and purchases
- Rewards Rate Unlimited 1.5% Cash Back on your purchases
- Regular APR 14.49%-25.49% Variable
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand American Express
Highlights
- Click "APPLY NOW" to apply online
- Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
- Unlimited 1.5% Cash Back on your purchases.
- Cash Back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
- Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
- 0% introductory plan fee for plans set up during your first 15 months of Card Membership with Plan It®, a feature that lets you split up big purchases into monthly payments with a fixed fee.
- Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
- No Annual Fee.
- Terms Apply.
- See Rates & Fees
See additional details for American Express Cash Magnet® Card – $150 Welcome Offer
- Sign up Bonus Earn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening.
- Introductory APR 0% Intro APR on purchases and balance transfers for 15 months
- Regular APR 16.49% - 25.24% Variable
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand Visa®
Highlights
- Click "APPLY NOW" to apply online
- Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- Unlimited 1% cash back on all other purchases - it's automatic
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49 - 25.24%.
- 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
- No annual fee
- Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
- Free credit score, updated weekly with Credit Journey?
See additional details for Chase Freedom®
- Intro Purchase APR 0% for 12 months on Purchases
- Intro BT APR 0% for 21 months on Balance Transfers
- Regular Purchase APR 16.24% - 26.24% (Variable)
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand Mastercard®
Highlights
- Click "APPLY NOW" to apply online
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
- 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
- If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
- The standard variable APR for Citi Flex Plan is 16.24% - 26.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
See additional details for Citi Simplicity® Card - No Late Fees Ever
*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.
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By: Phyl Andrijeski | Aug 4, 2018
My priorities are saving money on gas for the car and groceries for my family and for the pantry. Do you have what I need?
1 Reply
By: CompareCards | Aug 9, 2018
Many cards offer excellent cash back at locations such as supermarkets and gas stations.The Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer as well as the Blue Cash Everyday® Card from American Express are both excellent cards to help you earn cash back at these places!
By: Sally Palmer Borden | May 22, 2018
I'm going on vacation to Bermuda. Which card is best to use in the Bermuda?
1 Reply
By: CompareCards | May 24, 2018
Great cards for traveling abroad are the Capital One® Venture® Rewards Credit Card and the Bank of America® Travel Rewards Visa® credit card !
By: Charles Reed | May 18, 2018
I'm looking for a 21 month, 0% transfer fee 0% APR, and no fees at all
1 Reply
By: CompareCards | May 25, 2018
For balance transfers with low introductory APR take a look at the Citi® Diamond Preferred® Card and Discover it® Balance Transfer both of which have great offers!
By: Brian McCleney | Apr 24, 2018
I want to transfer about a $2000 balance from a 23% apr to a 0% apr. What are my best options?
1 Reply
By: CompareCards | May 25, 2018
The Citi® Diamond Preferred® Card and Discover it® Balance Transfer offer great introductory APR offers for balance transfers!
By: Colette Bell | Apr 4, 2018
Are there credit cards for people who have been building their credit, having now fair, to good credit, but probably not considered excellent yet.
1 Reply
By: CompareCards | May 25, 2018
There are many options for people who have increasing credit in your range! Take a look at credit cards for fair credit and credit cards for good credit!
By: Paul Calderon Hughes | Mar 12, 2018
Whar are the best cards for someone with bad crefit looking to rebuild?
1 Reply
By: CompareCards | May 29, 2018
Secured credit cards are an excellent way for people with bad credit scores to rebuild credit! The way these cards work is by using a refundable security deposit to create an initial line of credit. Take a look at the Discover it® Secured and the Capital One® Secured Mastercard®!
By: Doug Leedy | Feb 27, 2018
What is the best card for people with excellent credit who have some balances to transfer?
1 Reply
By: CompareCards | Mar 7, 2018
If you have excellent credit, you have a great chance of getting approved for any card you choose. A few of the most popular balance transfer cards include The Amex EveryDay® Credit Card from American Express, the Chase Slate® and the Discover it® Balance Transfer.
By: Cyndi J Murphy | Feb 24, 2018
I have 1 card with 11000.00 on it at 11% want to transfer to a 0% card. what are my best options?
1 Reply
By: CompareCards | Mar 7, 2018
A few of the most popular balance transfer cards include The Amex EveryDay® Credit Card from American Express, the Chase Slate® and the Discover it® Balance Transfer.
By: Audie A. Henze | Feb 23, 2018
I have absolutely no knowledge of how to do balance transfers and could certainly use anyone's help on how to obtain this. Could someone please help me?? Please.!!!
2 Replies
By: CompareCards | Mar 7, 2018
Check out our Complete Guide to a Balance Transfer for an easy walk through of how to get started!
By: Julia Mcnaughton-Roache | May 3, 2018
When you get the card call the number on the back and a customer service representative will help you with the steps to take. Good Luck.
These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
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.
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 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.
Transfer your high interest debt to Citi Simplicity® Card - No Late Fees Ever with an intro APR of 0% for 21 months on Balance Transfers. Plus, you will get generous intro APR 0% for 12 months on Purchases.
Looking for a card to transfer your balance with a $0 introductory balance fee? The Chase Slate® offers cardholders 0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months. After, the regular purchase APR is 16.49% - 25.24% Variable. The balance transfer fee is Intro $0 on transfers made within 60 days of account opening. After that: Either $5 or 5%, whichever is greater. All information about Chase Slate has been collected independently by CompareCards.com. Chase Slate is no longer available through CompareCards.com.
Looking for cash back and a balance transfer? The Citi® Double Cash Card – 18 month BT offer is a top notch cash back card is a leader among cash-back cards, as well as a good option for balance transfers. Read more here.
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