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Balance Transfer Credit Cards

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Capital One® Quicksilver® Cash Rewards Credit Card

 

Rated 4.5/5 stars by our editorial team

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3.7/5.0 from 4,487 Offer Ratings
Over the Past 60 Days!

(4,487) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% for 15 months on balance transfers and purchases then 16.24% - 26.24% (Variable)
  • Rewards Rate Unlimited 1.5% Cash Back on every purchase, every day
  • Sign Up Bonus One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 16.24%-26.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 16.24%-26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees

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Discover it® Balance Transfer

 

Rated 4.5/5 stars by our editorial team

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3.8/5.0 from 968 Offer Ratings
Over the Past 60 Days!

(968) Over the Past 60 Days!
  • Introductory APR 0% for 18 months on balance transfers & 0% for 6 months on purchases*
  • Rewards Rate Earn 5% cash back at different places each quarter up to the quarterly maximum, when you activate*
  • Ongoing APR 13.99% - 24.99% 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 at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time 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

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Citi Rewards+℠ Card

 

Rated 5/5 stars by our editorial team

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4.2/5.0 from 330 Offer Ratings
Over the Past 60 Days!

(330) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% for 15 months
  • Intro Purchase APR 0% for 15 months
  • Regular Purchase APR 15.49% - 25.49% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • The Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 15.49% - 25.49%, based on your creditworthiness.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • Get 10% Points Back for the first 100,000 ThankYou® Points you redeem per year

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American Express Cash Magnet® Card – $150 Welcome Offer

 

Rated 4.5/5 stars by our editorial team

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3.7/5.0 from 192 Offer Ratings
Over the Past 60 Days!

(192) Over the Past 60 Days!
  • Intro APR 0% for 15 months on balance transfers and purchases
  • Rewards Rate Unlimited 1.5% Cash Back on your purchases
  • Regular APR 14.99%-25.99% Variable
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand American Express

Highlights

  • Click "APPLY NOW" to apply online or call 866-901-8258
  • 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 14.99% to 25.99%.
  • 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.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • No Annual Fee.
  • Terms Apply.
  • See Rates & Fees

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HSBC Gold Mastercard® credit card

 

Rated 4/5 stars by our editorial team

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3.8/5.0 from 780 Offer Ratings
Over the Past 60 Days!

(780) Over the Past 60 Days!
  • Intro Purchase APR 0% for 18 months
  • Intro Balance Transfer APR 0% for 18 months
  • Rates and Fees No annual fee, no foreign transaction fee, and no penalty APR
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.99% - 20.99% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • See Rates & Fees

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Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer

 

Rated 5/5 stars by our editorial team

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4.3/5.0 from 683 Offer Ratings
Over the Past 60 Days!

(683) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
  • Intro Purchase APR 0% Introductory APR on purchases for 15 billing cycles
  • Regular APR 15.99% - 25.99% 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 on gas or your choice of one of five other popular categories, 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, 15.99% - 25.99% 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

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BankAmericard® credit card

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 979 Offer Ratings
Over the Past 60 Days!

(979) Over the Past 60 Days!
  • 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 14.99% - 24.99% 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, 14.99% - 24.99% 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

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Blue Cash Preferred® Card from American Express

 

Rated 3.8/5 stars by our editorial team

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Your Rating:

3.1/5.0 from 68 Offer Ratings
Over the Past 60 Days!

(68) Over the Past 60 Days!
  • 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 or call 866-901-8258
  • 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.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.99% to 25.99%
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees

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Citi® Double Cash Card – 18 month BT offer

 

Rated 5/5 stars by our editorial team

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4.9/5.0 from 297 Offer Ratings
Over the Past 60 Days!

(297) Over the Past 60 Days!
  • Intro APR 0% for 18 months on Balance Transfers
  • Rewards Rate Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay.
  • Regular Purchase APR 15.99%– 25.99% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent, Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 866-496-9203 TTY: Use Relay Service
  • 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.99% - 25.99% based on your creditworthiness.
  • The standard variable APR for Citi Flex Plan is 15.99% - 25.99% based on your creditworthiness.
  • Balance Transfers do not earn cash back
  • Earn 2% cash back on purchases:  1% when you buy and 1% as you make payments for those purchases.
  • To earn cash back, pay at least the minimum due on time
  • No categories to track, no caps on cash back, no annual fee

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Citi Simplicity® Card - No Late Fees Ever

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 758 Offer Ratings
Over the Past 60 Days!

(758) Over the Past 60 Days!
  • Intro Purchase APR 0%* for 12 months on Purchases*
  • Intro BT APR 0%* for 21 months on Balance Transfers*
  • Regular Purchase APR 16.74% - 26.74%* (Variable)
  • Annual Fee $0*
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 877-886-4537 TTY: Use Relay Service
  • 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 16.74% - 26.74%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.74% - 26.74%, 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 same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day – just say "representative"
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

See additional details for Citi Simplicity® Card - No Late Fees Ever

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*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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Picture of John Leon

By: | Jun 26, 2016

What happens to the credit card you're transferring the money from? Will I still be able to use it?

2 Replies

By: Tracy L Rawlins | Jul 28, 2016

Absolutely. It just carries the balance of card A to card B

By: Ron Lash | Jul 30, 2016

Yes you can still use them. However, any purchase will be at the current APR.

Picture of Kathleen Reynolds

By: | Jun 24, 2016

My credit score is 646 because I have been out of work for 3 months and my balances got too high for the small payments I was making- If I make decent payments in the next couple months (I now have a full-time, well paying job), should I be able to raise my credit score enough to get a good credit limit so that I can make a transfer from my current cards to one of the 0% APR for so many months cards? I just applied for one and was only given a limit of $1500 because of my score.

1 Reply

By: CompareCards | Jun 24, 2016

Your credit utilization accounts for 30% of your overall credit score, so paying down your balance should definitely help you raise your credit score. Even thought the credit limit is not as high as you would have liked, it would also be helpful for you to transfer $1,500 to the balance transfer credit card you just opened if you think you will be able to pay off the balance in full within the introductory period with 0% APR. Paying no interest during the intro period will allow you to pay off your balances and raise your credit score much quicker.

Picture of Michelle Martin

By: | Jun 24, 2016

Once your 12, 15, 18 month (whatever term) 0% transfer balance rate term is up, is the APR rate then calculated on the remaining balance? or the entire original balance that was transferred on to the card? Must you pay the transferred balance amount in that 0% term/window that is being offered?

1 Reply

By: CompareCards | Jun 24, 2016

After the introductory period is up, you will only pay interest on the remaining balance. You will only pay interest on the entire balance if your credit card charges what is called "deferred interest". None of the cards on this page will charge deferred interest. This is usually only found on store credit cards.

Picture of Kathy Dickens Runge

By: | Jun 20, 2016

I already have a Slate card. Will they let me transfer more money without a balance transfer fee or is there another card I could look into with 0% charged on transfers?

1 Reply

By: CompareCards | Jun 20, 2016

If you already have the Chase Slate, you will not be able to take advantage of the intro balance transfer offer for that card. If you wish to transfer your balance to another good balance transfer card, two options you should look at are the Barclaycard Ring MasterCard and the Capital One QuicksilverOne.

Picture of Valerie Laino Vitale

By: | Jun 15, 2016

I have about 6, 000 in credit card debt. Can I transfer this much to a 0% card. My credit score is in the high 600's

1 Reply

By: CompareCards | Jun 20, 2016

With a score in the high 600s, your credit is considered good and there are a number of balance transfer credit cards you have a good shot of getting approved for. The Chase Slate card would be the best place to start as it offers 0% intro APR for 15 months an no fee for balance transfers made within the first 60 days. The line of credit you are approved for will depend on your creditworthiness, so there is no guarantee you will be approved for a $6,000 transfer before you apply. However, with 0% intro APR, it would still be in your best interest to transfer what you can.

Picture of Laura Larson Orologio

By: | May 19, 2016

I already have 2 of the cards listed above. Can I get the balance transfer rate on a card I already have? THANKS!

1 Reply

By: CompareCards | May 25, 2016

Hi Laura,

It is extremely unlikely that your credit card company will lower your interest rate for you to perform a balance transfer. Balance transfer intro rates are offered to attract to customers, so if you need to transfer a balance and want to take advantage of a 0% intro APR, you'll need to open a new credit card account.

Picture of Stuart Droker

By: | May 8, 2016

Which card offers 0% charge for the transfer and has the longest payback period

1 Reply

By: CompareCards | May 9, 2016

Hi Stuart,

The Chase Slate card charges no transfer fee for balance transfers made within the first 60 days and it also comes with 0% intro APR for 15 months.

Picture of Laura Rios

By: | May 3, 2016

I think that it is important to keep track of your credit. Being able to compare cards helps you get the best deal for your situation. Finding a card with a low interest rate is important. For that reason keeping up with the options that all the cards offer is important. Sticking with one card out of loyalty simply because you have had it for years is always going to be the best option for you.

Picture of Althea Ann

By: | Apr 28, 2016

Hi! I have excellent credit, but just recently made some large purchases. I'd like to transfer some balances and take a few months to pay them off. It looks like the QuicksilverOne is the only card currently offering a no-fee balance transfer, and the $39. annual fee is less than what it would cost to transfer to my existing Slate card at 2%. However, the QuicksilverOne says it's for people with bad credit. Will it hurt my credit to apply for the card? Is there any other reason I should not consider it?

Picture of Margaret Riley Gibson

By: | Apr 14, 2016

Are you able to transfer more than one credit card?

Page:

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 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

Reviews
" " CompareCards says issuers are providing such generous deals, they're virtually irresistible for those willing to switch.

" " Those who always pay their balances in full and on time will usually come out ahead.

" " The offers on the credit card landscape are constantly changing which is great news for consumers.

" " 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.

" " CompareCards was one of three sites that met all the criteria.

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