Balance Transfer Credit Cards

Picking a balance transfer credit card can be confusing. But this latest listing of card offers, along with our Transfer Savings Estimator, shows how much you can save. Whether you're consolidating other credit card balances, or simply moving one balance to a new card, the Savings Estimator factors in any introductory rate, how long you'll keep the balance and any balance transfer fee. So check out this list of offers from our partners and find the one that's best for you.

See offers from our partners below.

Ad Choices Image
 APPLY ONLINE

at Bank of America's
secure site

 APPLY BY PHONE
Credit Needed
Excellent/Good
  • 0% Introductory APR for 18 billing cycles for balance transfers made in the first 60 days, then 11.49% - 21.49% Variable APR
  • Balance transfer fee of either 3% of the amount of the transfer or $10 (whichever is greater) applies
  • No annual fee
  • Saves you more on interest when you transfer balances from higher rate credit cards
  • $0 Liability Guarantee, so you're not responsible for any fraudulent charges made on your account
  • Access your FICO® Score for free within Online and Mobile Banking
  • If you apply for a card over the phone and are approved, our representatives can transfer your balance over the phone
  • 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% Intro APR for 18 billing cycles for balance transfers made in the first 60 days
    Balance Transfer Fee
    3.00%
    Regular APR
    11.49% - 21.49% Variable APR on purchases and balance transfers
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
    Potential Savings Estimate*
 APPLY ONLINE

at Chase's
secure site

Credit Needed
Excellent/Good
  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • Monthly FICO® Score and Credit Dashboard for free
  • 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

Credit Needed
Excellent/Good
  • Balance Transfers Intro APR
    0% for 15 months
    Balance Transfer Fee
    5.00%
    Regular APR
    15.49% - 24.24% Variable
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
    Potential Savings Estimate*
 APPLY ONLINE

at Discover's
secure site

 APPLY BY PHONE
Credit Needed
Excellent/Good
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate.
  • Plus, unlimited 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements and online.
  • No annual fee.
  • See additional Discover it® details
 APPLY NOW

at Discover's
secure site

or call Discover at
877-419-9478


Credit Needed
Excellent/Good
  • Balance Transfers Intro APR
    0% for 18 months
    Balance Transfer Fee
    3.00%
    Regular APR
    11.49% - 23.49% 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/Good
  • Limited Time Offer: Apply by 5/3/17 – Earn 10% cash back on purchases at U.S. Restaurants in the first 6 months, up to $200 back.
  • Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 3 months.
  • Everyday Cash Back: 3% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 2% at U.S. gas stations; 1% on other purchases. Terms and limitations apply.
  • No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.74% to 23.74%, based on your creditworthiness and other factors.
  • Terms 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/Good
  • Balance Transfers Intro APR
    0% on Balance Transfers for 12 months
    Balance Transfer Fee
    3.00%
    Regular APR
    13.74%-23.74% Variable
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
    Potential Savings Estimate*
 APPLY ONLINE

at Wells Fargo's
secure site

Credit Needed
Excellent/Good
  • 0% Intro APR for 15 months on purchases and balance transfers, then a 15.90%-25.74% variable APR; balance transfer fees apply
  • 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
  • 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
  • See additional Wells Fargo Platinum Visa® Credit Card details
 APPLY NOW

at Wells Fargo's
secure site

Credit Needed
Excellent/Good
  • Balance Transfers Intro APR
    0% for 15 months
    Balance Transfer Fee
    5.00%
    Regular APR
    15.90%-25.74% (Variable)
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
    Potential Savings Estimate*
 APPLY ONLINE

at Citi's
secure site

 APPLY BY PHONE
Credit Needed
Excellent/Good
  • The only card with No Late Fees, No Penalty Rate, and No Annual Fee... ever.
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.24% - 24.24% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% 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 Citi Simplicity® Card details
 APPLY NOW

at Citi's
secure site

or call Citi at
877-328-9712


Credit Needed
Excellent/Good
  • Balance Transfers Intro APR
    0%* for 21 months*
    Balance Transfer Fee
    3.00%
    Regular APR
    14.24% - 24.24% (Variable)
    Annual Fee
    $0*
    Credit Needed
    Excellent/Good
    Potential Savings Estimate*
 APPLY ONLINE

at Wells Fargo's
secure site

Credit Needed
Excellent/Good
  • Earn $150 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on virtually every purchase
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
  • Cash rewards don't expire as long as your account remains open
  • $0 Annual Fee
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.74%-25.74% variable APR; balance transfer fees apply
  • 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 Cash Wise Visa® Credit Card
  • Select "Apply Now" to learn more about the product features, terms, and conditions
  • See additional Wells Fargo Cash Wise Visa® Credit Card details
 APPLY NOW

at Wells Fargo's
secure site

Credit Needed
Excellent/Good
  • Balance Transfers Intro APR
    0% for 12 months
    Balance Transfer Fee
    5.00%
    Regular APR
    13.74%-25.74% (Variable)
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
    Potential Savings Estimate*
 APPLY ONLINE

at U.S. Bank's
secure site

Credit Needed
Excellent Credit
  • You Choose Your Cash Back: 5% on your first $2,000 in eligible net purchases each quarter on the two categories you choose, 2% on one everyday category (like gas or groceries), 1% on all other eligible net purchases
  • New Cardmember bonus: $100 after you spend $500 in eligible net purchases in the first 90 days you have the card
  • 0% Intro APR* on balance transfers for 12 billing cycles. After that, a variable APR currently 14.74% - 23.74%
  • Unlimited cash back
  • No annual fee
  • Great Offer for Customers of U.S. Bank, a 2017 World's Most Ethical Company® - Ethisphere Institute, March 2017
  • See additional U.S. Bank Cash+™ Visa Signature® Card details
 APPLY NOW

at U.S. Bank's
secure site

Credit Needed
Excellent Credit
  • Balance Transfers Intro APR
    0%* for 12 billing cycles*
    Balance Transfer Fee
    3.00%
    Regular APR
    14.74% - 23.74%* (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 3 months of approval
  • 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
  • 0% intro APR on purchases for 9 months; 13.49%-23.49% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.49%-23.49% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • 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% intro on balance transfers for for 9 months
    Balance Transfer Fee
    3.00%
    Regular APR
    13.49% - 23.49% (Variable)
    Annual Fee
    $0
    Credit Needed
    Excellent, Good
    Potential Savings Estimate*
 APPLY ONLINE

at Barclaycard's
secure site

Credit Needed
Excellent Credit
  • Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase
  • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
  • Redeem your cash rewards for a deposit into your bank account, a statement credit or gift cards. Redemptions start at $50
  • Cash rewards do not expire as long as your account is open, active and in good standing
  • 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that a variable APR will apply, 15.24%, 20.24% or 25.24%, based on your creditworthiness.
  • Please note, there is a fee for balance transfers
  • No annual fee
  • See additional Barclaycard CashForward™ World MasterCard® details
 APPLY NOW

at Barclaycard's
secure site

Credit Needed
Excellent Credit
  • Balance Transfers Intro APR
    0% for 15 months (on balance transfers made within 45 days of account opening)
    Balance Transfer Fee
    3.00%
    Regular APR
    15.24%, 20.24% or 25.24% Variable
    Annual Fee
    $0
    Credit Needed
    Excellent Credit
    Potential Savings Estimate*
Show More Results


Compare Balance Transfer Credit Card Offers

Updated: March 27, 2017

Card 0% Intro BT APR Period Balance Transfer Fee Our Savings Estimate Regular APR
Citi Simplicity® Card 21 months 3.00% $298.26 14.24% - 24.24% Variable
BankAmericard® Credit Card 18 billing cycles for transfers made in the first 60 days 3.00% $251.85 11.49% - 21.49% Variable
Discover it® 18 months 3.00% $242.45 11.49% - 23.49% Variable
Chase Slate® 15 months $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening $214.98 15.49% - 24.24% Variable
Barclaycard CashForward™ World MasterCard® 15 months (on balance transfers made within 45 days of account opening) 3.00% $160.77 15.24%, 20.24% or 25.24% Variable
Wells Fargo Platinum Visa® Credit Card 15 months 3.00% Intro $156.72 15.90% - 25.74% Variable
U.S. Bank Cash+™ Visa Signature® Card 12 billing cycles 3.00% $92.97 14.74% - 23.74% Variable
Wells Fargo Cash Wise Visa® Credit Card 12 months 3.00% Intro $68.69 13.74% - 25.74% Variable
Capital One® Quicksilver® Cash Rewards Credit Card 9 months 3.00% $4.72 13.49% - 23.49% Variable

A balance transfer can be a great way to consolidate payments and avoid interest if you’re carrying a balance. With the right card, you can even reap rewards and benefits after you pay off the transferred balance. If you know how these offers work, and you know what other perks to look for, you can find the best balance transfer card to minimize your interest and maximize your rewards.

Introductory offers
When reviewing options for a balance transfer, the length of the introductory offer is usually the most important consideration. That’s the period of time during which you’ll pay the introductory rate; for example, “0 percent for 12 months.”Balance transfer offer periods can run as short as six months, or as long as 21 months. Generally speaking, the longer the period, the better. Some offers describe the promotional period in “months,” some in “billing cycles” and some as “until” some date in the future. Don’t be confused by this language; they’re essentially the same. 

Balance transfer fees
The other important consideration is the balance transfer fee. According to our survey of balance transfer cards, nearly 90 percent of major cards offer balance transfers, and the most-common fee is 3 percent of the amount transferred. A lucky few may qualify for offers with a zero fee balance transfer. Otherwise, use a tool such as a balance transfer calculator to discover the time you need to pay off the debt (including the fee), then look for cards with those terms. If you can pay it down with a 12-15 month window, you should find plenty of offers to help you out.

Ongoing rates
Those who intend to continue to carry a credit balance month over month should carefully consider the regular APR. While these post-introductory interest rates run a bit higher on average, you can find certain offers with regular APRs starting around 11 percent.

Rewards and other benefits
Finally, cards with strong balance transfer offers can carry other perks as well. Many balance transfer cards don’t have an annual fee, and many people will advise you to steer away from cards with fees altogether. However, cards with travel rewards or other perks may end up paying for the fee on their own and then some! Our balance transfer card reviews will help you discover what the details of each card are, and show you what rewards are worth.

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