Balance Transfer Credit Cards

The following balance transfer credit card offers from our partners are designed to help people consolidate their credit card debt onto one card, thus saving money on interest charges. Some of the credit card offers below even feature a low introductory 0% APR interest rate on credit card balance transfers.

See offers from our partners below.

  • 0% intro APR on balance transfers for 18 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • New Freeze It℠ on/off switch lets you prevent new purchases, cash advances and balance transfers. Freeze or unfreeze your account in seconds via our website or mobile app.*
  • 5% cash back in categories that change each quarter up to the quarterly maximum when you sign up.* Plus, 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • No annual fee, no late fee for your first late payment, APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICO® Credit Score terms, balance transfer terms and other info by clicking "Apply."
  • See complete Discover it® details
 APPLY NOW

at Discover's
secure site

--OR--

Call Discover at
877-419-9478


Credit Needed
Excellent Credit
  • Balance Transfers
    Intro APR
    0%
    Balance Transfers
    Intro APR Period
    18 months
    Balance Transfer
    Fee
    3.00%
    Regular
    APR
    10.99% - 22.99% Variable*
    Annual
    Fee
    $0
    Credit Needed
    Excellent Credit
    Potential Savings Estimate*
 APPLY ONLINE

 APPLY BY PHONE
Credit Needed
Excellent/Good
  • Chase Slate named "Best Credit Card for Balance Transfers" two years in a row by Money Magazine
  • $0 Introductory balance transfer fee for transfers made during the first 60 days.
  • 0% Introductory APR for 15 months on purchases and balance transfers.
  • $0 Annual Fee
  • New Free Monthly FICO® Score and Credit Dashboard
  • See complete Chase Slate® details
 APPLY NOW

at Chase's
secure site

--OR--

Call Chase at
877-915-5269


Credit Needed
Excellent/Good
  • Balance Transfers
    Intro APR
    0%
    Balance Transfers
    Intro APR Period
    15 months
    Balance Transfer
    Fee
    0.00%
    Regular
    APR
    12.99%, 17.99%, 22.99% Variable
    Annual
    Fee
    $0
    Credit Needed
    Excellent/Good
    Potential Savings Estimate*
 APPLY ONLINE

 APPLY BY PHONE
Credit Needed
Excellent Credit
  • 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 10.99% - 20.99% variable APR
  • No annual fee†
  • The perfect card for those seeking a simple yet convenient-to-use credit card
  • Our $0 Liability Guarantee, so you're not responsible for any fraudulent charges made on your account
  • Chip technology for enhanced security at chip-enabled merchant terminals
  • See complete BankAmericard® Visa® Card details
 APPLY NOW

at Bank of America's
secure site

--OR--

Call Bank of America at
877-827-8836


Credit Needed
Excellent Credit
  • Balance Transfers
    Intro APR
    0%*
    Balance Transfers
    Intro APR Period
    15 billing cycles for qualifying balance transfers*
    Balance Transfer
    Fee
    3.00%
    Regular
    APR
    10.99% - 20.99% Variable* on purchases & balance transfers
    Annual
    Fee
    $0
    Credit Needed
    Excellent Credit
    Potential Savings Estimate*
 APPLY ONLINE

 APPLY BY PHONE
Credit Needed
Excellent/Good
  • One-time $100 cash bonus after you spend $500 on purchases within the first 3 months
  • 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 doesn't expire and there's no limit to how much you can earn
  • Get a 20% Statement Credit on all Uber rides purchased with this card through April 2016
  • 0% intro APR on purchases until February 2016; 12.9%-22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until February 2016, a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • Capital One® Credit Tracker - the free way to easily monitor your monthly credit score anytime, anywhere
  • See complete Capital One® Quicksilver® Cash Rewards Credit Card details
 APPLY NOW

at Capital One's
secure site

--OR--

Call Capital One at
888-812-7376


Credit Needed
Excellent/Good
  • Balance Transfers
    Intro APR
    0%
    Balance Transfers
    Intro APR Period
    Until 02/2016
    Balance Transfer
    Fee
    3.00%
    Regular
    APR
    12.9% - 22.9% (Variable)
    Annual
    Fee
    $0
    Credit Needed
    Excellent/Good
    Potential Savings Estimate*
 APPLY ONLINE

 APPLY BY PHONE
Credit Needed
Excellent Credit
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 12.99% - 22.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - Ever
  • No penalty rate - Ever
  • No annual fee - Ever
  • Save time when you call with fast, personal help, 24 hours a day.
  • See complete Citi Simplicity® Card details
 APPLY NOW

at Citi's
secure site

--OR--

Call Citi at
877-328-9712


Credit Needed
Excellent Credit
  • Balance Transfers
    Intro APR
    0%*
    Balance Transfers
    Intro APR Period
    21 months*
    Balance Transfer
    Fee
    3.00%
    Regular
    APR
    12.99% - 22.99%* (Variable)
    Annual
    Fee
    $0*
    Credit Needed
    Excellent Credit
    Potential Savings Estimate*
 APPLY ONLINE

 APPLY BY PHONE
Credit Needed
Excellent Credit
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Easy DealsSM Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card.
  • Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*
  • See complete Citi® Diamond Preferred® Card details
 APPLY NOW

at Citi's
secure site

--OR--

Call Citi at
877-342-7930


Credit Needed
Excellent Credit
  • Balance Transfers
    Intro APR
    0%*
    Balance Transfers
    Intro APR Period
    21 months*
    Balance Transfer
    Fee
    3.00%
    Regular
    APR
    11.99%-21.99%* (Variable)
    Annual
    Fee
    $0*
    Credit Needed
    Excellent Credit
    Potential Savings Estimate*
 APPLY ONLINE

 APPLY BY PHONE
Credit Needed
Excellent Credit
  • Earn 10,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • Earn 20% more points: Make 20 or more purchases with your Card in a billing period and earn 20% more points on those purchases less returns and credits. Terms and limitations apply.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and limitations apply.
  • See complete The Amex EveryDaySM Credit Card from American Express details
 APPLY NOW

at American Express's
secure site

--OR--

Call American Express at
877-217-0904


Credit Needed
Excellent Credit
  • Balance Transfers
    Intro APR
    0%
    Balance Transfers
    Intro APR Period
    15 months
    Balance Transfer
    Fee
    3.00%
    Regular
    APR
    12.99%-21.99% (Variable)
    Annual
    Fee
    $0
    Credit Needed
    Excellent Credit
    Potential Savings Estimate*
 APPLY ONLINE

Credit Needed
Excellent/Good
  • Named a Best Card for Cash Back by MONEY® Magazine
  • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
  • 5% Cash Back on up to $1,500 in combined purchases between 4/1/15-6/30/15 at Restaurants, Bed Bath & Beyond®, H&M®, and Overstock.com®.
  • You'll enjoy new 5% categories every 3 months like Gas stations, Restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • No annual fee and rewards never expire as long as your account is open
  • See complete Chase Freedom® details
 APPLY NOW

at Chase's
secure site

Credit Needed
Excellent/Good
  • Balance Transfers
    Intro APR
    0%
    Balance Transfers
    Intro APR Period
    15 months
    Balance Transfer
    Fee
    3.00%
    Regular
    APR
    13.99% - 22.99% Variable
    Annual
    Fee
    $0
    Credit Needed
    Excellent/Good
    Potential Savings Estimate*
 APPLY ONLINE

 APPLY BY PHONE
Credit Needed
Excellent Credit
  • The only card that earns you cash back twice on every purchase with: unlimited 1% cash back when you buy, plus an additional 1% cash back as you pay for those purchases*
  • 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99%-22.99%, based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • No Category Restrictions, No Caps, No Enrollments in Rotating Categories
  • No Annual Fee
  • See complete Citi® Double Cash Card details
 APPLY NOW

at Citi's
secure site

--OR--

Call Citi at
877-589-1038


Credit Needed
Excellent Credit
  • Balance Transfers
    Intro APR
    0%
    Balance Transfers
    Intro APR Period
    15 months*
    Balance Transfer
    Fee
    3.00%
    Regular
    APR
    12.99% - 22.99%* (Variable)
    Annual
    Fee
    $0*
    Credit Needed
    Excellent Credit
    Potential Savings Estimate*
 APPLY ONLINE

 APPLY BY PHONE
Credit Needed
Excellent Credit
  • Get $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.
  • Earn Cash Back: 3% U.S. supermarkets up to $6,000 per year in purchases, 2% U.S. gas stations & select U.S. dept stores, 1% other purchases. Terms and limitations apply.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and restrictions apply.
  • See complete Blue Cash Everyday® Card from American Express details
 APPLY NOW

at American Express's
secure site

--OR--

Call American Express at
877-915-6432


Credit Needed
Excellent Credit
  • Balance Transfers
    Intro APR
    0%
    Balance Transfers
    Intro APR Period
    15 months
    Balance Transfer
    Fee
    3.00%
    Regular
    APR
    12.99% - 21.99% Variable
    Annual
    Fee
    $0
    Credit Needed
    Excellent Credit
    Potential Savings Estimate*
Show More Results


Choosing a balance transfer credit card

Balance transfers can be a great tool for managing finances, if you use them to strike a course toward freedom from debt, not to put yourself on a path toward more of it.

It gives you a fresh chance to pay off debt without high interest compounding the debt each month, because balance transfer offers usually come with an introductory period during which little or no interest is charged.

It does not, however, grant you "card blanche" to ring up new charges. That's the temptation that will be dangled in front of you: Cards with a 0 percent balance transfer period often come bundled with a 0 percent period for new purchases. These combo offers have become the norm, found in nine out of 10 balance card offers.

That means one part of your brain -- let's name it Responsible You -- will wisely seek a good balance transfer card, determined as you are to whittle down a debt. But then that same card will whisper to you "Take me out and use me, I won't charge you interest -- yet." Irresponsible You will be tempted. Resist, or the move you took to eliminate debt will add it instead.

Before the transfer, set your goal and then do the math. In the goal-setting department, one key question is: How much can you realistically afford to devote each month to paying off your balance? Knowing that number will help you set a payoff date. If you're math-challenged, don't worry. A balance transfer calculator will help crunch the numbers.

The process itself is relatively simple. You can call the issuer to transfer the debt, perform the transfer online or use a convenience check provided by the issuer. But here's the part that trips people up: Don't immediately stop making payments to your old issuer. Continue to make minimum payments on the old card until your old issuer confirms that the balance has been transferred per your instructions.

Once the transfer has been made, keep an eye on your bank statements to verify the debt has been passed successfully, and then faithfully make your new payments to start knocking that debt down in size.

More balance transfer news

balance transfer survey

Balance transfer
cards 2014 survey

Zero-percent offers abound, but watch for new tweaks ... See Balance transfer survey

10 times NOT to use cards

10 times NOT
to use credit

Tired? Hungry? Emotional? Put down the card ... See 10 'no-card' zones

Smallest debt 1st?

Smallest debt 1st?
Or highest rate?

Logic says pay high-rate debt first. We're not always logical ... See Debt strategy


Join the Discussion


We encourage an active and insightful conversation among our users. Please help us keep our community civil and respectful. For your safety, we ask that you do not disclose confidential or personal information such as your bank account number, phone number, or email address. Keep in mind that anything you post may be disclosed, published, transmitted or reused.

The comments posted below are not provided, reviewed or approved by the card issuers or advertisers. Additionally, the card issuer or advertiser does not assume responsibility to ensure that all posts and/or questions are answered.

initiatorinitiator