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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 3,018 Offer Ratings
Over the Past 60 Days!

(3,018) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% for 15 months on balance transfers and purchases then 15.74% - 25.74% (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; 15.74%-25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74%-25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees

See additional details for Capital One® Quicksilver® Cash Rewards Credit Card

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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 847 Offer Ratings
Over the Past 60 Days!

(847) 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 13.49% - 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 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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BankAmericard® credit card

 

Rated 4.5/5 stars by our editorial team

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3.8/5.0 from 734 Offer Ratings
Over the Past 60 Days!

(734) 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 14.74% - 24.74% 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, 14.74% - 24.74% 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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Chase Freedom Unlimited®

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.9/5.0 from 441 Offer Ratings

(441)
  • 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 16.74 - 25.49% 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 16.74-25.49%.
  • 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®

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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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Your Rating:

4.4/5.0 from 516 Offer Ratings
Over the Past 60 Days!

(516) Over the Past 60 Days!
  • 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 15.74% - 25.74% 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, 15.74% - 25.74% 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

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Chase Freedom®

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 86 Offer Ratings
Over the Past 60 Days!

(86) Over the Past 60 Days!
  • 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 16.74% - 25.49% 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 16.74-25.49%.
  • 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 JourneySM

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Capital One® SavorOne® Cash Rewards Credit Card

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 83 Offer Ratings
Over the Past 60 Days!

(83) Over the Past 60 Days!
  • Intro APRs 0% intro APR on purchases and balance transfers for 15 months; 15.74% - 25.74% variable APR after that
  • Sign Up Bonus Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Rewards Rate 3% Cash Back on dining; 3% Cash Back on entertainment; 2% Cash Back at grocery stores; 1% Cash Back on all other purchases
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • 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; 15.74% - 25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74% - 25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee

See additional details for Capital One® SavorOne® Cash Rewards Credit Card

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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 58 Offer Ratings
Over the Past 60 Days!

(58) 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.
  • 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

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Discover it® chrome

 

Rated 4/5 stars by our editorial team

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Your Rating:

4.0/5.0 from 3 Offer Ratings
Over the Past 60 Days!

(3) Over the Past 60 Days!
  • Intro APR 0% for 14 Months on purchases and balance transfers*
  • Rewards Rate 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
  • 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 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem your cash back for any amount, any time. Cash 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® chrome

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Citi® Double Cash Card – 21 month BT offer

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.7/5.0 from 410 Offer Ratings
Over the Past 60 Days!

(410) Over the Past 60 Days!
  • Intro APR 0% for 21 months on Balance Transfers
  • Rewards Rate Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay.
  • Regular Purchase APR 15.49% - 25.49% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent, Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 866-534-0101 TTY: Use Relay Service
  • 0% intro APR on Balance Transfers for 21 months. After that, the variable APR will be 15.49% - 25.49%, based on your creditworthiness.
  • The standard variable APR for Citi Flex Plan is 15.49% - 25.49%, 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

See additional details for Citi® Double Cash Card – 21 month BT offer

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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 Corey Bender

By: | Apr 11, 2016

I am going through a divorce and my wife has wrecked my credit. I'm trying to get my finances back on track, but the interest is killing me. I only have fair credit. Is there a 0% APR card balance for 15-18 months that caters to fair credit?

1 Reply

By: CompareCards | Apr 11, 2016

Hi Corey,

With fair credit, your options will be pretty limited in terms of which balance transfer credit cards you can get approved for. One good option for fair credit is the Capital One QuicksilverOne. Once your credit score gets into the upper 600s, you should apply for the Chase Slate card which comes with 0% APR for 15 months.

Picture of Jill Lindvall

By: | Apr 1, 2016

Is there a reputable credit card I can apply for, transfer the balance from another credit card and earn travel miles? Everything that I found says it has to be a purchase. Surely there's a credit card company who does this. Any help is appreciated.

Picture of Patricia Robinson-McBride

By: | Mar 17, 2016

is there a credit card I can apply for with a balance transfer with not transfer fee for 18 months/

2 Replies

By: CompareCards | Mar 18, 2016

Hi Patricia,

There isn't a card that has 0% APR for 18 months as well as no balance transfer fee. However, two good offers that come close are the Chase Slate and the Citi Simplicity. The Chase Slate card has no fee for balance transfers made within the first 60 days and 0% APR for 15 months. The Citi Simplicity has the longest intro APR on the market with 0% for 21 months, but there is a 3% balance transfer fee. Neither card comes with an annual fee.

By: Valerie Migotti | Mar 21, 2016

Try USAA Discover card. No interest no balance transfer fees

Picture of Robbin Griffin

By: | Jan 20, 2016

I have a Chase Visa card that I need to do a balance transfer with. What would be the best credit card to apply for? I know you can't do balance transfers on the same company card. A 0% apr for 18 months with no transfer fees would be optimum but will settle for less. Thanks.

1 Reply

By: CompareCards | Jan 21, 2016

Hi Robbin,

There isn't any card that meets the specific requirements you've requested, but the Citi Simplicity comes with 0% APR for 21 months, no annual fee, and a 3% balance transfer fee.

Picture of Kat Renee

By: | Jan 14, 2016

If I already have one Citibank card, can I apply for a different Citi Card and transfer my balance and still be eligible for the 0% for a certain amount of months?

2 Replies

By: CompareCards | Jan 18, 2016

Hi Kat,

Unfortunately, you cannot transfer balances between credit cards issued by the same bank. Since you're current card is with Citi, you won't be able to transfer the balance to another Citi card. I would recommend the Chase Slate card for a balance transfer credit card. It offers 0% APR for 15 months and no fee for transfers made within the first 60 days!

By: Stephan George | Jan 27, 2016

Normally, balance transfer offers aren't available within the same bank. You would need to go to another institution.

Picture of Johnnie Silva

By: | Jan 12, 2016

I don't have an active bank account, is it possible to still apply for a oan or credit card.

1 Reply

By: Debbye Dyer | Apr 27, 2016

Probably not possible. I think use of a bank account shows them stability.

Picture of Robin Gersten

By: | Jan 7, 2016

Are there any other cards besides Chase Slate that don't have a transaction fee for balance transfers?

1 Reply

By: CompareCards | Jan 7, 2016

Hi Robin,

The Chase Slate card is not the only credit card that has no balance transfer fee, but it is the only one that also has no annual fee and a lengthy 0% intro APR. For more details, check out our latest blog post about credit cards with no balance transfer fee!

Picture of Joanne Robinson

By: | Jan 4, 2016

I applied for a Citi Bank MasterCard and was approved . The balance I need to transfer is more than I was approved for can I cancel the card?

2 Replies

By: CompareCards | Jan 6, 2016

Hi Joanne,

You can certainly cancel the card if you choose. However, depending on your situation, it may be wise to leave it open. If the card you applied for has a 0% APR on balance transfers and you're currently paying a high interest rate, you could still save a lot of money by transferring a portion of that balance over to your new Citi card. Although it is not ideal, it would still help you avoid interest charges on part of your balance. You could consider applying for another offer with 0% APR, like the Chase Slate, to help pay off the rest of your balance.

By: Stephan George | Jan 27, 2016

My opinion? Call them and tell them the circumstances. They may increase the credit line if they know the reason you are opening the card is to transfer debt to them and not create it. Worth a try.

Picture of Candy Norvell

By: | Jan 2, 2016

I have all of the cards. Should I close out my slate card which has a zero balance and then re-open it to transfer a balance on an Amex card over? How long do I have to have the slate closed before I can re-apply? And does closing that slate card affect my credit score? How do you do cash advances? Do you have to have a new card for cash advances as well?

1 Reply

By: Stephan George | Jan 27, 2016

first of all, I would never close a card. one of the factors that effect your credit rating is the ratio of used credit to open credit. second, I would call chase and ask them -- they don't want to see you go somewhere else. third, if you are considering chase, I would look at the Bank of America cards (one is a better balance card, which gives you a bonus payment of $25(?) every quarter if you always pay more than the limit. I am not sure if that applies if you have nothing due, but it's sure worth a try!

Picture of Jennifer Foote

By: | Jan 2, 2016

Was looking for a good card to transfer balances to. I was looking a lot say 0% interest for a time but below it says 3% interest on balance transfers. So I'm a little confused.

1 Reply

By: CompareCards | Jan 6, 2016

Hi Jennifer,

The 3% number that you are seeing is referring to the balance transfer fee, not the interest rate. For example, the Citi Simplicity offers 0% APR for 21 months, but it comes with a 3% balance transfer fee. This means that if you transfer $1,000 to this card, you will be changed a fee of $30, making your total balance $1,030. But since you will have 21 months to pay this balance down totally interest free, you will still save a lot of money as opposed to attempting to pay it down on a card with a high interest rate.

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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 – 21 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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