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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 1,003 Offer Ratings
Over the Past 60 Days!

(1,003) 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

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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

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Chase Freedom Unlimited®

 

Rated 4/5 stars by our editorial team

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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 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 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 – 18 month BT 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 800-949-2484 TTY: Use Relay Service
  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% - 25.49% based on your creditworthiness*
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
  • No categories to track, no caps on cash back, no annual fee*

See additional details for Citi® Double Cash Card – 18 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 Vincent Alexander

By: | Jan 15, 2017

I am going to be a risk for most creditors I have never had a credit card therefore credit activity is minimum..I know that I can make good use of a credit card ! Satisfying all responsibility owed.. that being said,Wish Me Luck

Picture of Shantell Austin

By: | Jan 13, 2017

I have a credit score of 725 and need to transfer a balance of $4,000, i would like no interest for 21 months, possibly no balance transfer fee and something with cash back options?

1 Reply

By: CompareCards | Jan 16, 2017

With a score of 725, your credit is considered "good" and there are a number of great balance transfer credit cards you may be able to get approved for. The Citi Diamond Preferred would be a great choice as it offers 21 months of 0% intro APR. Another good choice is the Chase Slate card which has no fee for balance transfers made within the first 60 days and 0% intro APR for 15 months.

Picture of Kay Pee Krishna Prasadh

By: | Jan 8, 2017

I would like to book air tickets for my travel in may. which card is recommended to have any benefits..?

1 Reply

By: CompareCards | Jan 11, 2017

There are many airline credit cards that could be a good fit for you booking travel. The Chase Sapphire Preferred is a very popular travel rewards credit card and it comes with a big sign up bonus of 50,000 points after you spend $4,000 in the first 3 months. Two more great options would be the Discover it® Miles and the BankAmericard Travel Rewards; both these cards earn an unlimited 1.5 points per dollar!

Picture of Jeff Bittner

By: | Jan 5, 2017

I need to transfer about 12,000 and have a credit score of 725. I need a card that has at least a 12 month no interest fee.

1 Reply

By: CompareCards | Jan 5, 2017

With a score of 725, your credit is considered "good" and there are a number of solid balance transfer credit cards you could potentially get approved for. One of the best options is the Chase Slate card which comes with 0% intro APR for 15 months and no fee for balances transfers made within the first 60 days!

Picture of Philomena Davis

By: | Dec 17, 2016

I have several credit cards. I believe if I consolidate them maybe my payments would be lower?

1 Reply

By: CompareCards | Dec 19, 2016

If you transfer your balance onto one card with a 0% intro APR, it might not necessarily make your payment lower, but it could help you pay off your balance much quicker. This is because during the introductory period, your entire payment goes towards paying down the principle of your balance!

Picture of Bob Mills

By: | Dec 16, 2016

I have 6500 in a Discover card acct - I want to move to 0% balance transfer - what are the best options? I have a Citi Card for 2900 and a Wells Fargo for 5000 - both 0% for a number of months. can I break the 6500 into these two to reduce my payments.

1 Reply

By: CompareCards | Dec 16, 2016

If your Citi and Wells Fargo cards with 0% intro APR will allow you to transfer portions of your balance from your Discover card, then that is certainly a good strategy to pay down your balance faster!

Picture of Sabera Badani

By: | Dec 9, 2016

I have about $22000.00 that I want to transfer to a 0% credit card for about 21 months with no transfer fee. My credit score is about 720

1 Reply

By: CompareCards | Dec 12, 2016

The Citi Simplicity and the Citi Diamond Preferred both offer 0% intro APR for 21 months on balance transfers, so one of these two cards will be your best option. With a score of 720, your credit is considered good, but not quite excellent, so it is not guaranteed that you will get approved for the full line of credit you are looking for.

Picture of Sami Jean

By: | Dec 8, 2016

I have a 742 credit score. I am looking to transfer a balance of about $7,000. The balance is on a chase card, so the Chase Slate is not an option for me. I am looking for no or very low balance transfer fee and no interest for at least 9 months, preferably more than a year. I also need a card that does not require you to pay off the balance each month to maintain 0% interest. (i.e. the Citi Double Cash- if I could pay it off next month I wouldn't need the balance transfer).

1 Reply

By: CompareCards | Dec 9, 2016

With a score of 742, your credit is considered good/excellent and you have a good chance of getting approved for a good balance transfer credit card. The Chase Slate is the only card that offers no intro balance transfer fee and a 0% intro APR over a year. Another good balance transfer option for you would be the Citi Simplicity or the Citi Diamond Preferred. Each of these cards offer 0% intro APR for 21 months on balance transfers!

Picture of Bill Reed

By: | Nov 28, 2016

I have a credit score of 617 and a balance of $2500 what card would be best for me?

1 Reply

By: CompareCards | Nov 28, 2016

With a credit score in the low 600s your credit is considered poor/fair. Check out out pages for credit cards for poor credit and credit cards for credit cards for fair credit to see all the best options!

Picture of Nicole Champion

By: | Nov 28, 2016

How do I transfer the balances of credit cards? I have about 2300 in cards and my score is low

1 Reply

By: CompareCards | Nov 28, 2016

If you have a low credit score, it may be difficult for you to get approved for the best balance transfers credit cards. One good option for balance transfers that is available for consumers with fair credit is the Capital One QuicksilverOne!

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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
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" " 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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