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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 636 Offer Ratings
Over the Past 60 Days!

(636) 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 13.74% - 24.74% Variable*
  • Annual Fee $0
  • Credit Needed Excellent/Good Credit
  • Card Brand Discover

Highlights

  • Click "APPLY NOW" to apply online or call 888-333-5886
  • 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, or wholesale clubs 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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Citi® Diamond Preferred® Card – 21 Month Balance Transfer Offer

 

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4.2/5.0 from 2,591 Offer Ratings
Over the Past 60 Days!

(2,591) 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 14.74% - 24.74%* (Variable)
  • Annual Fee $0*
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 877-836-4537 TTY: Use Relay Service
  • 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 14.74% - 24.74%, based on your creditworthiness 
  • 0% Intro APR on purchases for 12 months from date of account opening. After that the variable APR will be 14.74% - 24.74%, 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 
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions 
  • No annual fee 
  • Free access to FICO® Scores

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Citi Simplicity® Card - No Late Fees Ever

 

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3.8/5.0 from 937 Offer Ratings
Over the Past 60 Days!

(937) Over the Past 60 Days!
  • Intro Purchase APR 0%* for 18 months on Purchases*
  • Intro BT APR 0%* for 18 months on Balance Transfers*
  • 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 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 and Purchases for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness 
  • 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

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Capital One® Quicksilver® Card - 0% Intro APR for 15 Months

 

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3.8/5.0 from 751 Offer Ratings
Over the Past 60 Days!

(751) Over the Past 60 Days!
  • Rewards Rate Unlimited 1.5% Cash Back on every purchase, every day
  • Intro APR 0% for 15 Months on Purchases and Balance Transfers
  • Cash Back Details No minimums for redeeming and cash back won't expire for the life of the account
  • 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® Card - 0% Intro APR for 15 Months

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

 

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3.8/5.0 from 509 Offer Ratings
Over the Past 60 Days!

(509) Over the Past 60 Days!
  • Bonus Cash $200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Rewards Rate 3% on gas & 2% at grocery stores/wholesale clubs on up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • Redemption Bonus Get a 10% Cash Back Bonus when you redeem into your Bank of America account
  • 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, 14.99% - 24.99% 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

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Bank of America® Travel Rewards credit card - 25,000 Bonus Points Offer

 

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4.3/5.0 from 790 Offer Ratings
Over the Past 60 Days!

(790) Over the Past 60 Days!
  • Bonus Points 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening
  • Redeeming Your Points is Easy Any airline, any hotel, anytime. No blackout dates. Redeem points for a statement credit. Points don't expire.
  • Rewards Rate Earn 1.5 points per $1 spent on all purchases
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online or call 800-775-8735
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire 
  • NEW OFFER: 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases 
  • Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions 
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees 
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals 
  • 0% Introductory APR for 12 billing cycles for purchases, then 16.74% - 24.74% Variable APR 
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account 
  • If you’re a Preferred Rewards client, you can increase that bonus to 25% - 75%

See additional details for Bank of America® Travel Rewards credit card - 25,000 Bonus Points Offer

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Capital One® Venture® Rewards Credit Card

 

Rated 4.5/5 stars by our editorial team

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3.8/5.0 from 412 Offer Ratings
Over the Past 60 Days!

(412) Over the Past 60 Days!
  • Bonus Miles One-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Rewards Rate 2 Miles per dollar on every purchase, every day
  • Hotel Bonus Rewards Earn unlimited 10x miles on hotels when you pay with your Venture card at hotels.com/venture
  • Annual Fee $0 intro for first year; $95 after that
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that

See additional details for Capital One® Venture® Rewards Credit Card

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Chase Freedom Unlimited®

 

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3.9/5.0 from 439 Offer Ratings

(439)
  • Rewards Rate Unlimited 1.5% cash back on every purchase - it's automatic!
  • Sign-up Bonus Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Cash Back Details No minimum to redeem for cash back
  • 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 16.74-25.49%. 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

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BankAmericard® credit card

 

Rated 4.5/5 stars by our editorial team

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3.9/5.0 from 196 Offer Ratings
Over the Past 60 Days!

(196) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% Intro APR for 15 billing cycles for balance transfers made in the first 60 days
  • Intro Purchase APR 0% Introductory APR on purchases for 15 billing cycles
  • Regular APR 14.74% - 24.74% Variable APR
  • 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 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 14.74% - 24.74% 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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Discover it® Cash Back

 

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3.7/5.0 from 323 Offer Ratings
Over the Past 60 Days!

(323) Over the Past 60 Days!
  • Cashback Match™ Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically*
  • EARN Earn 5% cash back at different places each quarter up to the quarterly maximum, when you activate*
  • Redeem Any amount, any time. Cash back rewards never expire*
  • Annual Fee $0
  • Credit Needed Excellent/Good Credit
  • Card Brand Discover

Highlights

  • Click "APPLY NOW" to apply online or call 800-628-1537
  • 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, or wholesale clubs 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. 
  • Use your rewards at Amazon.com checkout. 
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up. 
  • No annual fee.
  • See Rates & Fees

See additional details for Discover it® Cash Back

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Capital One® VentureOne® Rewards Credit Card

 

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4.4/5.0 from 470 Offer Ratings
Over the Past 60 Days!

(470) Over the Past 60 Days!
  • Rewards Rate 1.25 Miles per dollar on every purchase, every day
  • Intro Purchase APR 0% intro on purchases for 12 months
  • Regular Purchase APR 13.74% - 23.74% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 13.74%-23.74% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn

See additional details for Capital One® VentureOne® Rewards Credit Card

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Capital One® Savor® Cash Rewards Credit Card

 

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3.7/5.0 from 164 Offer Ratings
Over the Past 60 Days!

(164) Over the Past 60 Days!
  • Rewards Rate 4% Cash Back on dining; 4% Cash Back on entertainment; 2% Cash Back at grocery stores; 1% Cash Back on all other purchases
  • Sign-up Bonus Earn a one-time $500 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Cash Back Details No minimums for redeeming and cash back won't expire for the life of the account
  • Annual Fee $0 intro for first year; $95 after that
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • Earn a one-time $500 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% 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
  • No foreign transaction fees
  • Access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that

See additional details for Capital One® Savor® Cash Rewards Credit Card

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Discover it® Miles

 

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3.9/5.0 from 520 Offer Ratings
Over the Past 60 Days!

(520) Over the Past 60 Days!
  • Bonus Miles We'll match all the Miles you've earned at the end of your first year.*
  • Rewards Rate 1.5 Miles per $1 Spent*
  • Redeeming is Easy Redeem your Miles as a statement credit towards travel purchases*
  • Annual Fee $0
  • Credit Needed Excellent/Good Credit
  • Card Brand Discover

Highlights

  • INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel! 
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee. 
  • No Blackout Dates - fly any airline, stay at any hotel. 
  • Redeem your Miles as a statement credit towards travel purchases. 
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers. 
  • 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

 

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3.9/5.0 from 431 Offer Ratings
Over the Past 60 Days!

(431) Over the Past 60 Days!
  • Introductory APR 0% for 18 months on purchases and balance transfers*
  • Low Fees Enjoy $0 Annual Fee
  • Ongoing APR 17.24%-26.74% (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 17.24%-26.74% variable APR; balance transfers made within 120 days qualify for the intro rates and fees
  • 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® Card
  • Free 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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Wells Fargo Propel American Express® Card

 

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4.5/5.0 from 774 Offer Ratings
Over the Past 60 Days!

(774) Over the Past 60 Days!
  • Rewards Rate Earn 3X points for eating out & ordering in, 3X points for gas stations, rideshares & transit, 3X points for travel including flights, hotels, homestays and car rentals.
  • Introductory APR 0% for 12 months on purchases and balance transfers
  • Ongoing APR 14.24%-26.74% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand American Express

Highlights

  • Click "APPLY NOW" to apply online
  • New! Earn 30K bonus points when you spend $3,000 in purchases in the first 3 months – that’s a $300 cash redemption value
  • Earn 3X points for eating out and ordering in
  • Earn 3X points for gas stations, rideshares and transit
  • Earn 3X points for travel including flights, hotels, homestays and car rentals
  • Earn 1X points on other purchases
  • $0 Annual Fee
  • 0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 14.24%-26.74% variable APR; balance transfers made within 120 days qualify for the intro rates and fees
  • Select "Apply Now" to learn more about the product features, terms, and conditions

See additional details for Wells Fargo Propel American Express® Card

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Editorial Note: Any opinions, analysis, reviews, or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any card issuer.

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Picture of Karen Danzer

By: | Jun 10, 2015

what credit card can I get so there are no ATM fees overseas?

1 Reply

By: CompareCards | Jun 10, 2015

Hi Karen,

If you need to withdraw cash from an ATM, I would recommend simply using your debt card. Whether you're overseas or in the states, using your credit card to withdraw cash from an ATM will be treated as a cash advance which comes with hefty fees and steep interest rates. Generally speaking, using a credit card to take a cash advance should be avoided if at all possible! Again, if you need cash, you're debt card is the best way to go.

That said, there are a number of credit cards that offer no foreign transaction fees on purchases made overseas. I would recommend taking a look at the BankAmericard Travel Rewards or the Capital One VentureOne.

Picture of Phyllis Asante

By: | Jun 9, 2015

What does the $5 .00 fee means, i know the 3% is on the amount of money you are transferring but he $5.00 is on what amount or to better put it how is it calculated

1 Reply

By: CompareCards | Jun 9, 2015

Hi Phyllis,

If a terms and conditions of a credit card say that the balance transfer fee is either $5 or 3% of the amount of each transfer, whichever is greater, that means if you're transferring a very small balance, the fee will be $5 instead of the typical 3%. If the balance you're looking to transfer is less than $167, your transfer fee will be $5. If the balance you're looking to transfer is greater than $167, your transfer fee will be 3% of the balance.

You will never pay both a $5 fee AND a 3% fee for a balance transfer; it will always be one or the other depending on the amount you are transferring.

Picture of Ted Miller

By: | Jun 9, 2015

the interest rates are way to high

Picture of Stan Bird

By: | Jun 8, 2015

say i have a balance of 1500 $ on another credit card. If i trasfer that balance to another credit card with 0% interest f or 21 months then my payment on the 1500$ balance will reflect no interest charged on the balance for each payment made providing that I don't charge anything more on the account. Is this correct or am i all wet?

2 Replies

By: CompareCards | Jun 9, 2015

Hi Stan,

You've got it right! If you transfer a balance to a card that has no interest for 21 months, like the Citi Simplicity, then every penny of each payment made during that 21 month period will go toward the principal of the balance. However, there is a 3% balance transfer fee which would bring your balance after the transfer up to $1,545. If you wanted to pay off the debt in full during the introductory period, you would need to make payments of $74 a month.

By: Pete Zolton | Jun 9, 2015

that is correct as you described

Picture of Gail Liming

By: | Jun 8, 2015

Interesting comments. All credit cards need studying before applying.

Picture of Linda Lyons Gold Mingori

By: | Jun 8, 2015

Is there any credit card that does not charge a balance transfer for 0% for 18 t0 21 months and does not charge you a membership charge?

1 Reply

By: CompareCards | Jun 8, 2015

Hi Linda,

Yes! This Citi Simplicity offers 0% APR on balance transfers and purchases for the first 21 months. It also has no annual fee, and no late fees or penalty rate if you happen to miss a payment. However, there is a 3% balance transfer fee.

If you’re trying to avoid the 3% transfer fee, you best option is going to be the Chase Slate. This card has no annual fee, no balance transfer fee for transfers made with the first 60 days, and the intro APR is 0% for 15 months.

Picture of Lisa Christensen-Gonzales

By: | Jun 5, 2015

Does anyone know if you do a balance transfer to a travel mileage card, they will give you miles for your transfer?

1 Reply

By: CompareCards | Jun 5, 2015

Hi Lisa,

That is a great question! But unfortunately, you do not earn miles on the balance that you transfer over from another card. All rewards cards typically have the same terms when it comes to earning points, miles, or cash back; you earn rewards for net purchases (meaning, purchases minus returns) and don't earn rewards on balance transfers or cash advances.

Picture of Georgia Patrak Horton

By: | Jun 3, 2015

What is the usual charge for cash advance? None of the companies list fees for that transaction. Anybody know?

2 Replies

By: CompareCards | Jun 3, 2015

Hi Georgia,

You can always find the cash advance APR for any credit card in the Terms and Conditions on the application page.

If you're planning on using a credit card for a cash advance, you should always make sure you know what the APR is before you do it because the cash advance APR is usually several percentage points higher than the standard APR for purchases. Also, in most cases, the interest on a cash advance begins accruing immediately; this means that there is no "grace period" allowing you to pay early and avoid interest costs. All in all, cash advances with credit cards should generally only be used in the case of an emergency because with the fees and high interest rates you will end up pay back much more than you borrowed.

By: Swimmer Massey | Jun 3, 2015

Getting a cash advance on a credit card is financial suicide...short answer: DO NOT DO IT...if you have to do it, get a 0% BT into your checking account.

Picture of Selwyn Joseph Collins II

By: | Jun 3, 2015

That is too big a temptation for those with the propensity to overspend because either way you can accumulate a whooping debt and if you can't pay it off when the APR kicks in, then you'll have the interest to deal with as well. Mama did not raise a fool.

Picture of Johnny Ringo

By: | Jun 2, 2015

yes Chase Slate offers no transfer fee and more :-)

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.

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