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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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3.8/5.0 from 1,004 Offer Ratings
Over the Past 60 Days!

(1,004) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% for 15 months on balance transfers and purchases
  • Rewards Rate Unlimited 1.5% Cash Back on every purchase, every day
  • Regular Purchase APR 14.74% - 24.74% (Variable)
  • 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; 14.74%-24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74%-24.74% 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 902 Offer Ratings
Over the Past 60 Days!

(902) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% for 18 Months*
  • 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 Credit
  • 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.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • 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 557 Offer Ratings
Over the Past 60 Days!

(557) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% Intro APR for 18 billing cycles for 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
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 800-483-4499
  • NEW OFFER: 0% Introductory APR for 18 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 14.99% - 24.99% Variable APR. 3% fee (min $10) applies to 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

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Citi Simplicity® Card - No Late Fees Ever

 

Rated 4.5/5 stars by our editorial team

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3.7/5.0 from 1,385 Offer Ratings
Over the Past 60 Days!

(1,385) 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 15.99% - 25.99%* (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
  • The ONLY card with 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 15.99% - 25.99%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.99% - 25.99%, 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 balance, 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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Wells Fargo Platinum Visa® Card

 

Rated 4/5 stars by our editorial team

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3.9/5.0 from 466 Offer Ratings
Over the Past 60 Days!

(466) Over the Past 60 Days!
  • Introductory APR 0% for 18 months on purchases and balance transfers*
  • Low Fees Enjoy $0 Annual Fee
  • Ongoing APR 13.49%-26.99% (Variable)*
  • Annual Fee $0
  • Credit Needed Excellent
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • 0% Intro APR for 18 months on purchases and balance transfers (fees apply), then a 13.49%-26.99% variable APR; balance transfers made within 120 days qualify for the intro rate and 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 Visa® Credit 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
  • $0 Annual Fee
  • Select “Apply Now” to learn more about the product features, terms, and conditions

See additional details for Wells Fargo Platinum Visa® Card

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Chase Freedom Unlimited®

 

Rated 4/5 stars by our editorial team

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3.9/5.0 from 480 Offer Ratings

(480)
  • Introductory APR 0% for 15 months on purchases and balance transfers
  • Rewards Rate Unlimited 1.5% cash back on every purchase - it's automatic!
  • Regular APR 16.99% - 25.74% Variable
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.99-25.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 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 Journey℠
  • No annual fee

See additional details for Chase Freedom Unlimited®

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

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 558 Offer Ratings
Over the Past 60 Days!

(558) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days
  • Intro Purchase APR 0% Introductory APR on purchases for 12 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 800-716-6383
  • No annual fee
  • NEW OFFER: $200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 15.24% - 25.24% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
  • Easily add your Mastercard® credit card to any digital wallet for a simple, secure, and convenient way to pay online, in-app, and in-store

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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3.1/5.0 from 186 Offer Ratings
Over the Past 60 Days!

(186) Over the Past 60 Days!
  • Welcome Offer $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.*
  • Bonus Rewards 6% at U.S. supermarkets on up to $6,000 per year in purchases*
  • Rewards Rates 3% cash back at U.S. gas stations, 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
  • $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations. 1% cash back on other purchases.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees

See additional details for Blue Cash Preferred® Card from American Express

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HSBC Gold Mastercard® credit card

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 241 Offer Ratings
Over the Past 60 Days!

(241) 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%, 16.99% or 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

See additional details for HSBC Gold Mastercard® credit card

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Citi® Double Cash Card – $100 Cash Back Offer

 

Rated 5/5 stars by our editorial team

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

(410) 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 15.49% - 25.49%* (Variable)
  • Annual Fee $0*
  • Credit Needed Excellent, Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 800-961-4482 TTY: Use Relay Service
  • Earn $100 cash back bonus after $500 in purchases within the first 3 months of account opening
  • Cash back bonus is not available if you have had Citi® Double Cash card opened or closed in the past 24 months
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a blance transfer impacts interest on purchases
  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
  • No Annual Fee

See additional details for Citi® Double Cash Card – $100 Cash Back 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 Marcel Tardie

By: | Jan 28, 2018

I have 2 credit cards with a total of $16000 balance.Which card would be the best for me .

2 Replies

By: CompareCards | Feb 2, 2018

There are a number of excellent balance transfer credit cards offering 0% intro APR for as long as 18 months. Two of the most popular options would be the Chase Slate®and the Discover it® Balance Transfer.

By: Barbara Ann | Mar 4, 2018

I like discover and am currently using it.

Picture of Shawn Sadjatumwadee

By: | Jan 26, 2018

Are there no longer good cards that offer no transfer fee?

1 Reply

By: CompareCards | Feb 2, 2018

To save on your balance transfer fee, one great option is the Chase Slate®!

Picture of Vickie Ray

By: | Jan 15, 2018

Will it hurt your credit rating to apply for a card and transfer your balance from another card?

1 Reply

By: CompareCards | Jan 19, 2018

Anytime you apply for a new credit card, a hard inquiry will be reported to the credit bureaus which may have a slight negative impact on your credit score. However, this effect will be small and temporary for an isolated application. And if you are applying for a credit card to pay off the balance on another card this may actually have a positive impact on your credit in the long run. This is because by opening a new account to pay off your debt you will be decreasing your credit utilization rate significantly.

Picture of Pat Buheller

By: | Jan 4, 2018

I put $8,000 on my Visa Card now I want to transfer that amount and pay this off over a period time. What are my options? My credit is good/excellent in the 700's.

1 Reply

By: CompareCards | Jan 11, 2018

If your credit is Good/Excellent, then you have a good chance of getting approved for most of the balance transfer credit cards available on this page. A few of the best options include the Citi® Diamond Preferred® Card – 21 Month Balance Transfer Offer, the Chase Slate®, and the Discover it® Balance Transfer.

Picture of Gwendolyn Dawn Pucheta

By: | Nov 30, 2017

Can you transfer 3 or 4 different small credit cards to one?

1 Reply

By: CompareCards | Dec 7, 2017

Most cards do allow you to transfer balances from multiple cards as long as you don't exceed your credit limit, but the specifics may depend on the terms and conditions of the credit card that you apply for.

Picture of Lani Marshall

By: | Nov 18, 2017

Hi, I want to do a balance transfer on a credit card with a high interest rate, however, I owe $20,000. Is there a credit card with that high of a balance transfer that you know of?

2 Replies

By: CompareCards | Nov 18, 2017

The line of credit you are approved for will depend on your score. The higher your credit score is, the more likely it is that you will get approved for a higher credit limit.

By: David Fagerberg | Dec 15, 2017

Transfer that high of a balance between 2 new cards. $6600 to Discover IT card and $6600 to the Citi Bank simplicity card....I have both and they have high limits with 0 percent for 18 months and 21 months balance transfer programs going on now....your welcome

Picture of Chris Mozer

By: | Nov 12, 2017

I have about $7800 on a credit card. Want to transfer the entire balance to another card that offer 0% interest for up to 21 months. Anyone know one?

1 Reply

By: CompareCards | Nov 16, 2017

For the longest possible intro APR, check out the Citi Simplicity® Card - No Late Fees Ever or the Citi® Diamond Preferred® Card – 21 Month Balance Transfer Offer!

Picture of Karen Lettieri-Quimby

By: | Nov 7, 2017

I have an excellent credit rating, however, looking to do a balance transfer with the lowest or no balance transfer fee with the longest 0% APR. What card should I go with?

1 Reply

By: CompareCards | Nov 8, 2017

For the longest period of 0% intro APR, check out the Citi Simplicity® Card - No Late Fees Ever or the Citi® Diamond Preferred® Card – 21 Month Balance Transfer Offer. To save on your balance transfer fee, two great options are the Chase Slate® and the BankAmericard® credit card.

Picture of Matt Carmelo

By: | Oct 25, 2017

I want to transfer $2000 balance that I have from my card as the interest is super high and I can hardly pay this down. Was interested in transferring it to another go to card that I saw on this site with 21 months, but then I read a comment from someone posted that you can't transfer a balance from one citi card to another. Is this true?

2 Replies

By: CompareCards | Oct 27, 2017

As a general industry rule, you cannot transfer balances between credit cards issued by the same bank. Since your current card is with Citibank, consider the BankAmericard® credit card, the Chase Slate®, or the Discover it® Balance Transfer. These a few of today's popular balance transfer offers.

By: Diane Vaughan Richards | Nov 8, 2017

I do it & have for years.

Picture of Gloria Jabaut

By: | Oct 24, 2017

I want a card with no balance transfer fees, 21 months of no interest and no annual fees. My credit score is 850 I should be able to get this type of a card.

1 Reply

By: CompareCards | Oct 27, 2017

Unfortunately there is not one individual card that offers all of the features you are looking for. However, there are a few cards that come very close! For the longest 0% intro APR plus no annual fees, check out the Citi Simplicity® Card - No Late Fees Ever and the Citi® Diamond Preferred® Card – 21 Month Balance Transfer Offer. For balance transfer with the fewest fees, the Chase Slate® and the BankAmericard® credit card are both great options.

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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, no-fee balance transfers, 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.

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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