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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 999 Offer Ratings
Over the Past 60 Days!

(999) 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 901 Offer Ratings
Over the Past 60 Days!

(901) 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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Wells Fargo Platinum Visa® Card

 

Rated 4/5 stars by our editorial team

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3.9/5.0 from 465 Offer Ratings
Over the Past 60 Days!

(465) 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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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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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

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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 479 Offer Ratings

(479)
  • 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 557 Offer Ratings
Over the Past 60 Days!

(557) 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 185 Offer Ratings
Over the Past 60 Days!

(185) 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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Your Rating:

4.7/5.0 from 409 Offer Ratings
Over the Past 60 Days!

(409) 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 Marie Betts

By: | Oct 24, 2017

I have had CitiCards for 18 years. They have been exemplary, have always given me the lowest interest rates, supported me when I was hacked. I highly recommend them and continue to rely upon them.

Picture of Gabriel Santiago

By: | Oct 15, 2017

I have a card and I would like to transfer to zero interest credit card to pay off $6,000. My interest is around $80 a month. Not sure what to do. Any advise is greatly appreciated.

1 Reply

By: CompareCards | Oct 19, 2017

Any of the card on our balance transfer credit cards page would be a good place to start! You typically need good to excellent credit to get approved for the best offers. The two major things to consider is the length of the 0% intro APR and the amount of balance transfer fee. Overall, transferring your balance to a card with 0% intro APR can help you pay down your balance much faster because during the intro period your whole payments goes towards paying down the principle. A few of the best options include the Citi® Diamond Preferred® Card – 21 Month Balance Transfer Offer, the Discover it® Balance Transfer, and the BankAmericard® credit card

Picture of Julia Zakrzewski

By: | Oct 14, 2017

Looking for a zero percent transfer credit card. My credit score is 835. Transferring amount of $7000.00

1 Reply

By: CompareCards | Oct 16, 2017

With a credit score in the 800s your credit is considered "excellent" and you have a great chance of getting approved for any balance transfer credit card you choose. Check out our balance transfer credit cards page to see all of the best options!

Picture of Rita Anderson

By: | Sep 27, 2017

I am looking to transfer 4 credit card balances to just 1 card.

Picture of Norma Childs

By: | Aug 27, 2017

I would love to apply for the balance transfer card and get rid of 4 cards.

Picture of Margo McElroy

By: | Aug 16, 2017

Is there a no fee balance transfer card?

1 Reply

By: CompareCards | Aug 25, 2017

The Barclaycard Ring® Mastercard® is an excellent option if you're looking for a credit card with no balance transfer fee!

Picture of Wendy Maynes

By: | Aug 13, 2017

My credit card won't accept third party checks that are used as pay off on balance transfers, what are my other options? Solution?

1 Reply

By: CompareCards | Aug 14, 2017

Many banks and credit card issuers will not accept 3rd party checks as a form of payment because the number of people involved in the transaction creates high risk. Instead, try having the check written directly to you. If that is not an option, try cashing the check with an institution that will accept them (although this may be hard to find) and then using the money to pay off your balance.

Picture of Chad Vanloo

By: | Aug 13, 2017

Be prepared though people , some of these transfer cards will also have limits , often the limit is less than you owe , so you may not be able to transfer all of your debt

Picture of Tom Baker

By: | Aug 12, 2017

I was looking at Wells Fargo Platinum card to do a balance transfer. In the small print, it said I had to have an instrument of consumer credit with Wells Fargo, aka a credit card. When I looked at their Cash Wise and American Express cards, I found the same requirement. So, does this mean you have to have a credit card from Wells Fargo before you can get a credit card from Wells Fargo?

1 Reply

By: CompareCards | Aug 14, 2017

The requirement to be the account holder of a Wells Fargo consumer credit product is in reference to the ability to get your free FICO score - you do not have to have a Wells Fargo credit card in order to apply for one of these cards, but you must have a Wells Fargo credit card in order to get your free FICO score.

Picture of Linda Ahne

By: | Aug 12, 2017

my credit score is in the mid to high 600's I would like to transfer a balance of 7,000.00 to a zero percent card for at least a year. What do you recommend ??

1 Reply

By: CompareCards | Aug 14, 2017

With fair credit, your best bet is most likely the Discover it® Cash Back card. with this card, you enjoy 0% APR for 14 months on both purchases and balance transfers. Depending on the balance transfer limit they approve for you, it may be hard to transfer all $7,000 onto this card, but it has the best offer for customers with fair credit.

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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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