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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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Your Rating:

3.7/5.0 from 3,012 Offer Ratings
Over the Past 60 Days!

(3,012) 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 844 Offer Ratings
Over the Past 60 Days!

(844) 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

See additional details for Discover it® Balance Transfer

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BankAmericard® credit card

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 731 Offer Ratings
Over the Past 60 Days!

(731) 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

See additional details for BankAmericard® credit card

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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 440 Offer Ratings

(440)
  • 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 515 Offer Ratings
Over the Past 60 Days!

(515) 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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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 57 Offer Ratings
Over the Past 60 Days!

(57) 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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Capital One® SavorOne® Cash Rewards Credit Card

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 82 Offer Ratings
Over the Past 60 Days!

(82) 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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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

See additional details for Chase Freedom®

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Wells Fargo Propel American Express® card

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.2/5.0 from 237 Offer Ratings
Over the Past 60 Days!

(237) Over the Past 60 Days!
  • Rewards Rate Earn 3X points on eating out and ordering in, 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 30,000 bonus points when you spend $3,000 in purchases in the first 3 months – that’s a $300 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

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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 408 Offer Ratings
Over the Past 60 Days!

(408) 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 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, 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!

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. 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. 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 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

Reviews
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" " 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.

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