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.

 APPLY ONLINE

at Chase's
secure site

 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
  • New Free Monthly FICO® Score and Credit Dashboard
  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee
  • See additional Chase Slate® details
 APPLY NOW

at Chase's
secure site

--OR--

Call Chase at
866-841-5293


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

at Bank of America's
secure site

 APPLY BY PHONE
Credit Needed
Excellent/Good
  • New Offer! 0% Introductory APR for 18 billing cycles for balance transfers made in the first 60 days, then, 10.99% - 20.99% Variable APR. 3% fee (min $10) applies to balance transfers.
  • No annual fee
  • The perfect card for those seeking a simple yet convenient-to-use credit card
  • Zero liability fraud protection, so you're not responsible for any fraudulent charges made on your account
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
  • See additional BankAmericard® Credit Card details
 APPLY NOW

at Bank of America's
secure site

--OR--

Call Bank of America at
877-827-8836


Credit Needed
Excellent/Good
  • Balance Transfers
    Intro APR
    0%
    Balance Transfers
    Intro APR Period
    18 billing cycles for balance transfers made in the first 60 days
    Balance Transfer
    Fee
    3.00%
    Regular
    APR
    10.99% - 20.99% Variable on purchases & balance transfers
    Annual
    Fee
    $0
    Credit Needed
    Excellent/Good
    Potential Savings Estimate*
 APPLY ONLINE

at Citi's
secure site

 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 additional 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

at Capital One's
secure site

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 Uber rides purchased with this card through April 2016
  • 0% intro APR on purchases until May 2016; 12.9%-22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until May 2016, a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • Capital One® Credit Tracker - a free way to easily monitor your monthly credit score anytime, anywhere
  • See additional Capital One® Quicksilver® Cash Rewards Credit Card details
 APPLY NOW

at Capital One's
secure site

Credit Needed
Excellent/Good
  • Balance Transfers
    Intro APR
    0%
    Balance Transfers
    Intro APR Period
    Until 05/2016
    Balance Transfer
    Fee
    3.00%
    Regular
    APR
    12.9% - 22.9% (Variable)
    Annual
    Fee
    $0
    Credit Needed
    Excellent/Good
    Potential Savings Estimate*
 APPLY ONLINE

at Discover's
secure site

 APPLY BY PHONE
Credit Needed
Excellent Credit
  • New! Double all the cash back you've earned at the end of your first year automatically—only for new cardmembers*
  • 5% cash back in categories that change each quarter like gas, restaurants, Amazon.com and more—up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • 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.
  • New Freeze It℠ on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.* Plus get 100% U.S.-based service.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • 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, FICO® Credit Score terms & other info by clicking "Apply."
  • See additional 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

at Chase's
secure site

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%
  • Unlimited 1% Cash Back on every purchase
  • 5% Total Cash Back on up to $1,500 in combined purchases in bonus categories each quarter
  • 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!
  • No annual fee and rewards never expire as long as your account is open
  • See additional 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

at American Express's
secure site

 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 additional 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*
 APPLY ONLINE

at Citi's
secure site

 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 additional 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

at Citi's
secure site

 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 additional 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

at American Express's
secure site

 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 get 20% extra 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 additional The Amex EveryDay® 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*
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Tips on choosing a balance transfer credit card

Wielded properly, the appropriate balance transfer card can be one of the most useful personal finance tools available, providing a breath of relief right when you need it most. However, if not careful, you may easily find yourself augmenting an already existing balance. For your convenience, we have compiled relevant information and tips on balance transfers to aid you towards healthier credit, using your card more efficiently, and finding the one that best fits your needs.

Information and tips:

  • First, balance transfer cards are cards designed to help you consolidate credit debt on one card. This allows you to make payments more easily, since you will only need to worry about making payments to one card, as opposed to multiple, with varying APR rates, fees, and due dates

  • Balance transfer cards provide financial relief, offering 0% introductory periods of generally 9 to 18 (but in some cases, up to 21) months, during which you may pay off your balance without incurring interest or adding to your debt
  • Be aware of the impact of any balance transfer fees. The majority of cards that offer a balance transfer feature have fees in the range of 3% to 5% of the transfer amount. Some products may offer a 0% transfer fee if the transfer is made within a certain window of time.
  • You will want to consider any tradeoff between a longer intro-period (ex. 18month vs. 15month) versus the fee amount (ex. 5% vs. 3%) versus the ongoing APR. If you aren't ready to dust off the calculator, the interactive "Potential Savings Estimate" field above will do the math for you. Just click the "i" icon to input the information relevant to your personal situation.
  • As an added bonus, balance transfer cards also tend to offer matching 0% introductory periods on purchase APR as well, averaging 9 to 18 (and again, in some cases, up to 21) months
  • While concurrently viewed as a perk, these special introductory purchase APR rates can create the appearance of sending mixed messages. On the one hand, these cards help you save interest on your existing balance in order to help you get out of debt with their generous 0% introductory rate on balance transfers and lowered fees. On the other, the extended 0% introductory period also applies to purchase APR, serving as a simultaneous incentive to use the card for new purchases
  • The trick is to figure out what your habits and/or weaknesses are and respond accordingly-if you are prone to carrying a balance and will find it enticing to spend more with the card, just be aware and prepared to set boundaries in place for yourself. Be responsible
  • Balance transfer cards can actually help you pay off more than just balance transfers. You can also transfer loans and payments from other large purchases (cars, appliances, etc) onto the card with checks from your issuer
  • If you do not have a balance to transfer, you may still take advantage of its lengthy introductory purchase APR phase to make a large purchase, which you may then pay off at a more leisurely pace
  • Be aware that if your balance lies with a particular issuer, you will not be able to transfer the balance onto a new card with that same issuer
  • In order to transfer a balance, all you have to do is follow the instructions given to you by your issuer. You may call and complete the process over the phone, online, or using a convenience check provided by the issuer
  • Balance transfer cards essentially offer a safe place to keep your debt for a predetermined period of time, so that it is no longer costing you to keep around. This can be a great thing, as long as you pay your minimums and do not use the opportunity to exacerbate your situation
  • A last but important tip: Do NOT forget to make payments on your old issuer until the transfer actually goes through, since it could take weeks to process the transfer, meanwhile you will still be responsible for any late fees incurred with that issuer. Do not assume the process is completed once you have put in a request for the balance transfer

  Updated: June 26, 2015

 

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