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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 5,638 Offer Ratings
Over the Past 60 Days!

(5,638) 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 1,102 Offer Ratings
Over the Past 60 Days!

(1,102) 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 14.24% - 25.24% 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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3.7/5.0 from 1,907 Offer Ratings
Over the Past 60 Days!

(1,907) 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 15.24% - 25.24% 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, 15.24% - 25.24% 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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3.9/5.0 from 548 Offer Ratings

(548)
  • Introductory APR 0% for 15 months on purchases and balance transfers
  • Sign-up Bonus Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent.
  • Regular APR 17.24 - 25.99% Variable
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • New Offer! Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that 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 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit JourneySM
  • No annual fee

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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 749 Offer Ratings
Over the Past 60 Days!

(749) 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 13.24%, 17.24% or 21.24% 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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Your Rating:

4.3/5.0 from 825 Offer Ratings
Over the Past 60 Days!

(825) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% Intro APR for 12 billing cycles for any balance transfers made in the first 60 days
  • Intro Purchase APR 0% Introductory APR on purchases for 12 billing cycles
  • Regular APR 16.24% - 26.24% 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 and unlimited 1% on all other purchases (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases)
  • 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% 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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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 88 Offer Ratings
Over the Past 60 Days!

(88) 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 15.24% to 26.24%
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees

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Citi Rewards+℠ Card

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.8/5.0 from 503 Offer Ratings
Over the Past 60 Days!

(503) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% for 15 months
  • Intro Purchase APR 0% for 15 months
  • Regular Purchase APR 15.74% - 25.74% (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 15.74% - 25.74%, 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

See additional details for Citi Rewards+℠ Card

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American Express Cash Magnet® Card

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 177 Offer Ratings
Over the Past 60 Days!

(177) 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 15.24%-26.24% 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 15.24% to 26.24%.
  • $0 plan fees 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

See additional details for American Express Cash Magnet® Card

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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 Libby Powers

By: | Oct 27, 2015

I just would like a credit card, I don't want no points, no return, no travel. Just a plain credit card. I would like to transfer two credit cards onto one.

1 Reply

By: CompareCards | Oct 27, 2015

Hi Libby,

The Chase Slate is an excellent balance transfer credit card. It doesn't comes with any rewards program, but it has 15 months with 0% APR as well as no annual fee and no balance transfer fee for transfers made within the first 60 days of account opening.

Picture of Toni Holmes

By: | Oct 24, 2015

I have a fico credit score of 711. Would that let me get a credit card with 0 balance transfer fee? It says excellent credit required.

1 Reply

By: CompareCards | Oct 25, 2015

Hi Toni,

A credit score of 711 is considered good, and getting close to excellent. With that score, I would recommend applying for the Chase Slate card which is the only card available with no balance transfer fee. People regularly get approved for that card with scores in the mid to high 600s, so hopefully it shouldn't be a problem for you to get approved!

Picture of Pamela Avery

By: | Oct 21, 2015

If i get a credit card o% interest on balance transfers for a period of time with no transfer fees, how do i know what my aprs would be after the 0% interest is up?i have a 675-699 score

1 Reply

By: CompareCards | Oct 21, 2015

Hi Pamela,

Unfortunately, there is know way to know for sure what the ongoing interest rate will be before you apply for a credit card. Most cards have provide a range of interest rates because applicants who get approved have varying credit-worthiness. Those with excellent credit scores will usually get approved for the lowest interest rates.

With a score in the upper 600s, your credit score is good, but not excellent. On a card like the Chase Slate, you may probably get approved for a middle range interest rate; probably not the lowest, but hopefully not too high either.

Picture of Pamela Jubeck-Mcgaughey

By: | Oct 5, 2015

I had good credit before then got 2 credit cards from capital. I like capital and use to pay the balance off each month but after I got a newer car with payments twice what I asked for, I just pay twice the minimum balance each month. Now my fica sucks and my score is below 600. ouch! I don't get it. I pay all my bills ontime. But my fica score bites. I would like to transfer my balance to a 0% interest card and now I can't.HELP!!!!!!

1 Reply

By: CompareCards | Oct 5, 2015

Hi Pamela,

With a credit score below 600, you're options will be very limited in terms of what you can get approved for. In fact, it is unlikely that you will be able to get approved for any credit card with a 0% APR. One option that may work for you is the Capital One QuicksilverOne. However, you won't be able to transfer a balance from one Capital One card another another Capital One card. So if your current credit card is with Capital One, then the QuicksilverOne won't be a viable option for you.

Picture of Delia L. Darden

By: | Sep 10, 2015

I would like to know if I can add more than one credit card balance to balance transfer card, I like the City Simplicity card 21 months 0% APR.

1 Reply

By: CompareCards | Sep 14, 2015

Hi Delia,

While the terms for balance transfer vary from card to card, you are usually able to transfer more than one balance onto one credit card. However, the amount you're able to transfer will depend on your credit worthiness and vary from person to person.

Picture of Brenda Carlton

By: | Aug 30, 2015

I Have a Discover card a Transfer arp card It is suppose to be the best I have not used it yet because I just got ti before I went to the hospital.It is one of the best cards to have. everyone should check it out Brenda Carlton

Picture of Deborah Wilkerson

By: | Aug 25, 2015

Why are all Credit Cards that are the best cards are for Excellant, Good, Average, and Fair Credit? People with Poor Credit can't get anything, unless you get charged with a very high APR rate, or your interest rate is sky high. Poor ratings deserve a second chance don't they!! It's just not fair!

1 Reply

By: Jared Carpenter | Aug 28, 2015

Poor credit receives a higher interest rate because interest rates reflect the risk of loaning money to a borrower. Good credit shows that the lender will have a better probability of getting paid. So there is a reward for not posing a risk. The sad truth is that you have to prove that you don't need money to borrow it....

Picture of Kelly Connolly

By: | Aug 9, 2015

Anyone know, are medical bills weighed the same as credit card bills or are they counted to a lesser degree?

2 Replies

By: Evelyn Mazzella | Aug 12, 2015

Medical bills are not weighed at all on credit report for credit scoring. Is that what you mean?

By: Rebecca DuPerry | Oct 9, 2015

They will tell you that, but I do not believe it for one second. I have been trying to re-finance, get a line of credit, get a credit card to help me with consolidating my medical bills and everything else. They weigh in my medical bills along with everything else. I have asked the question of are they supposed to do that and have been told, it is their choice. Is it against the law, have yet to get any Credit Bureau to confirm. The Federal Trade Commission confirms that they are supposed to weight the medical not at all and are working on educating the vendors. You can call back, get a different person with a different answer. Good Luck!

Picture of Francine Benson

By: | Aug 5, 2015

I lost my job and I have been trying to find a credit card/company that will consolidate my credit cards. I got the Chase Slate, but it only gives me $1000. That helps, but I need more to really help me.

Picture of Sara Kersky

By: | Jul 14, 2015

I have a question i have a small buisness that i am just getting off the ground when i was younger i messed me credit up i have like a 569, And i am looking for a small limit that will look over my past even though i know the interest will be through the roof, But i am willing to deal with it to get something small and pay it off real fast to build my credit back up any suggestions? would be greatly appreciated.

1 Reply

By: CompareCards | Jul 15, 2015

Hi Sara,

With a credit score of 569, your options will be very limited in terms of which credit cards you can get approved for. One card to consider is the Credit One Bank Credit Card. This card is designed for people who have poor credit and are looking to rebuild. As you mentioned, paying your balance on time and in full is the best strategy to build your credit as quickly as possible, so be sure to stay on top of your payments!

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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 – 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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