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 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 11.24% - 21.24% Variable APR.
  • Balance transfer fee of either 3% of the amount of the transfer or $10 (whichever is greater) applies
  • 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
  • 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
    11.24% - 21.24% 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
  • Chase Slate named "Best Credit Card for Balance Transfers" three 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
  • 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

Credit Needed
Excellent/Good
  • Balance Transfers Intro APR
    0% for 15 months
    Balance Transfer Fee
    0.00%
    Regular APR
    13.24%-23.24% Variable
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
    Potential Savings Estimate*
 APPLY ONLINE

at Discover's
secure site

 APPLY BY PHONE
Credit Needed
Excellent Credit
  • We'll double all the cash back you've earned at the end of your first year. So if you earned $101 cash back, we'll double it to $202—Automatically. Only for new cardmembers.*
  • 5% cash back in categories that change each quarter like gas, restaurants, home improvement stores 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 11.24% - 23.24%. A 3% fee applies to each transferred balance.
  • Freeze It℠ on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.* Plus get 100% U.S.-based service.
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.*
  • 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 you're never responsible for unauthorized purchases on your Discover card.
  • Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & other information.
  • 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% for 18 months
    Balance Transfer Fee
    3.00%
    Regular APR
    11.24% - 23.24% 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
  • 0% intro APR on purchases until November 2016; 13.24%-23.24% variable APR after that
  • Balance transfers also have a 0% intro APR until November 2016; 13.24%-23.24% 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% Until 11/2016
    Balance Transfer Fee
    3.00%
    Regular APR
    13.24% - 23.24% (Variable)
    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 12.24%-22.24% 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%* for 21 months*
    Balance Transfer Fee
    3.00%
    Regular APR
    12.24%-22.24%* (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 13.24% - 23.24% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • 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%* for 21 months*
    Balance Transfer Fee
    3.00%
    Regular APR
    13.24% - 23.24%* (Variable)
    Annual Fee
    $0*
    Credit Needed
    Excellent Credit
    Potential Savings Estimate*
 APPLY ONLINE

at Chase's
secure site

Credit Needed
Excellent/Good
  • Earn a $150 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 14.24-23.24%
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories every 3 months like gas stations, restaurants, and select grocery stores
  • Unlimited 1% cash back on all other purchases — it's automatic
  • Cash Back rewards never expire as long as your account is open
  • No annual fee
  • See additional Chase Freedom® details
 APPLY NOW

at Chase's
secure site

Credit Needed
Excellent/Good
  • Balance Transfers Intro APR
    0% for 15 months
    Balance Transfer Fee
    3.00%
    Regular APR
    14.24%-23.24% 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
  • No annual fee
  • $100 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 3% on gas up to the first $1,500 in combined grocery/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, 13.24% - 23.24% 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%. Click "Apply Now" to learn more about Preferred Rewards.
  • See additional BankAmericard Cash Rewards™ Credit Card details
 APPLY NOW

at Bank of America's
secure site

or call Bank of America at
877-831-6028


Credit Needed
Excellent/Good
  • Balance Transfers Intro APR
    0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days
    Balance Transfer Fee
    3.00%
    Regular APR
    13.24% - 23.24% Variable APR on purchases and 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/Good
  • 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 13.24%-23.24%, based on your creditworthiness
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • 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/Good
  • Balance Transfers Intro APR
    0% for 15 months*
    Balance Transfer Fee
    3.00%
    Regular APR
    13.24% - 23.24%* (Variable)
    Annual Fee
    $0*
    Credit Needed
    Excellent/Good
    Potential Savings Estimate*
 APPLY ONLINE

at Citi's
secure site

 APPLY BY PHONE
Credit Needed
Excellent Credit
  • Earn 20,000 bonus ThankYou® Points after $1,500 in card purchases within 3 months of account opening – redeemable for $200 in gift cards or other great rewards!
  • 0% intro APR on Balance Transfers and Purchases for 12 months. After that, the variable APR will be 13.24%-23.24% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.*
  • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment. 1 ThankYou Point on other purchases
  • Points do not expire and earn unlimited Thank You Points
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
  • See additional Citi ThankYou® Preferred Card details
 APPLY NOW

at Citi's
secure site

or call Citi at
877-266-0895


Credit Needed
Excellent Credit
  • Balance Transfers Intro APR
    0%* for 12 months*
    Balance Transfer Fee
    3.00%
    Regular APR
    13.24% - 23.24%* (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 an 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.

Updated: May 27, 2015

More balance transfer news

Balance transfer survey

Balance transfer
cards 2015 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