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Balance Transfer Credit Cards

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Citi® Diamond Preferred® Card – 21 Month Intro Offer on BT and Purchases

 

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4.2/5.0 from 1,860 Offer Ratings
Over the Past 60 Days!

(1,860) Over the Past 60 Days!
  • Intro Purchase APR 0%* for 21 months on Purchases*
  • Intro BT APR 0%* for 21 months on Balance Transfers*
  • Regular Purchase APR 13.49% - 23.49%* (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
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.49%-23.49% based upon your creditworthiness.* 
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer. 
  • 24/7 access to Citi® Concierge for help in booking hotels, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee* 
  • Free access to FICO® Scores*

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BankAmericard® Credit Card

 

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3.8/5.0 from 664 Offer Ratings
Over the Past 60 Days!

(664) 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
  • Balance Transfer Fee $0 Intro balance transfer fee for the first 60 days your account is open. After that, the fee for future balance transfers is 3% (min. $10)
  • Regular APR 12.99% - 22.99% Variable APR on purchases and balance transfers
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 800-483-4499
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 12.99% - 22.99% Variable APR
  • $0 Intro Balance transfer fee during first 60 days of account opening. After that, the fee for future balance transfers is 3% (min. $10).
  • 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

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Discover it® - 18 Month Balance Transfer Offer

 

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3.7/5.0 from 202 Offer Ratings
Over the Past 60 Days!

(202) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% for 18 Months*
  • Rewards Rate Up to 5% cash back in bonus categories, 1% on everything else*
  • Exclusive Bonus Offer Get a dollar-for-dollar match of all the rewards you've earned at the end of your first year, automatically*
  • Annual Fee $0
  • Credit Needed Excellent/Good Credit
  • Card Brand Discover

Highlights

  • Click "APPLY NOW" to apply online or call 888-333-5886
  • You could turn $200 into $400 with 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 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, 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, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

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Citi® Double Cash Card – 18 month BT offer

 

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4.5/5.0 from 869 Offer Ratings
Over the Past 60 Days!

(869) Over the Past 60 Days!
  • Intro APR 0%* for 18 months on Balance Transfers*
  • Rewards Rate Earn 1% on Purchases & 1% on Payments
  • Regular Purchase APR 14.49% - 24.49%* (Variable)
  • Annual Fee $0*
  • Credit Needed Excellent, Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 888-343-4081 TTY: Use Relay Service
  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro  APR on Balance Transfers for 18 months. After that, the variable APR will be 14.49% - 24.49% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*

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Citi Simplicity® Card - No Late Fees Ever

 

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Your Rating:

3.8/5.0 from 752 Offer Ratings
Over the Past 60 Days!

(752) Over the Past 60 Days!
  • Intro Purchase APR 0%* for 21 months on Purchases*
  • Intro BT APR 0%* for 21 months on Balance Transfers*
  • Regular Purchase APR 14.49% - 24.49% (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 21 months. After that, the variable APR will be 14.49% - 24.49% 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.

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Blue Cash Everyday® Card from American Express

 

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3.8/5.0 from 486 Offer Ratings
Over the Past 60 Days!

(486) Over the Past 60 Days!
  • Welcome Offer $100 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months
  • Bonus Cash Back 3% at U.S. supermarkets on up to $6,000 per year in purchases*
  • Rewards Rates 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand American Express

Highlights

  • Click "APPLY NOW" to apply online or call 866-901-8258
  • $100 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See Rates & Fees

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Wells Fargo Platinum Visa® Card

 

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Your Rating:

3.7/5.0 from 302 Offer Ratings
Over the Past 60 Days!

(302) Over the Past 60 Days!
  • Introductory APR 0% for 18 months on purchases and balance transfers*
  • Low Fees Enjoy $0 Annual Fee
  • Cell Phone Protection Covers damage & theft, up to $600 per claim*
  • 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, then a 16.15%-25.99% 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® 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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Barclaycard Ring™ Mastercard®

 

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Your Rating:

3.7/5.0 from 234 Offer Ratings
Over the Past 60 Days!

(234) Over the Past 60 Days!
  • Introductory APR 0% for 15 months
  • Rates & Fees No Annual Fee, No Balance Transfer Fee, & No Foreign Fees
  • Regular Purchase APR 13.99% Variable
  • Annual Fee $0
  • Credit Needed Excellent
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • 0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.99%
  • No balance transfer fees
  • No foreign transaction fees
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Free online access to FICO® Credit Score

See additional details for Barclaycard Ring™ Mastercard®

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*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.

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Picture of Michelle Martin

By: | Jun 24, 2016

Once your 12, 15, 18 month (whatever term) 0% transfer balance rate term is up, is the APR rate then calculated on the remaining balance? or the entire original balance that was transferred on to the card? Must you pay the transferred balance amount in that 0% term/window that is being offered?

1 Reply

By: CompareCards | Jun 24, 2016

After the introductory period is up, you will only pay interest on the remaining balance. You will only pay interest on the entire balance if your credit card charges what is called "deferred interest". None of the cards on this page will charge deferred interest. This is usually only found on store credit cards.

Picture of Kathy Dickens Runge

By: | Jun 20, 2016

I already have a Slate card. Will they let me transfer more money without a balance transfer fee or is there another card I could look into with 0% charged on transfers?

1 Reply

By: CompareCards | Jun 20, 2016

If you already have the Chase Slate, you will not be able to take advantage of the intro balance transfer offer for that card. If you wish to transfer your balance to another good balance transfer card, two options you should look at are the Barclaycard Ring MasterCard and the Capital One QuicksilverOne.

Picture of Valerie Laino Vitale

By: | Jun 15, 2016

I have about 6, 000 in credit card debt. Can I transfer this much to a 0% card. My credit score is in the high 600's

1 Reply

By: CompareCards | Jun 20, 2016

With a score in the high 600s, your credit is considered good and there are a number of balance transfer credit cards you have a good shot of getting approved for. The Chase Slate card would be the best place to start as it offers 0% intro APR for 15 months an no fee for balance transfers made within the first 60 days. The line of credit you are approved for will depend on your creditworthiness, so there is no guarantee you will be approved for a $6,000 transfer before you apply. However, with 0% intro APR, it would still be in your best interest to transfer what you can.

Picture of Laura Larson Orologio

By: | May 19, 2016

I already have 2 of the cards listed above. Can I get the balance transfer rate on a card I already have? THANKS!

1 Reply

By: CompareCards | May 25, 2016

Hi Laura,

It is extremely unlikely that your credit card company will lower your interest rate for you to perform a balance transfer. Balance transfer intro rates are offered to attract to customers, so if you need to transfer a balance and want to take advantage of a 0% intro APR, you'll need to open a new credit card account.

Picture of Stuart Droker

By: | May 8, 2016

Which card offers 0% charge for the transfer and has the longest payback period

1 Reply

By: CompareCards | May 9, 2016

Hi Stuart,

The Chase Slate card charges no transfer fee for balance transfers made within the first 60 days and it also comes with 0% intro APR for 15 months.

Picture of Laura Rios

By: | May 3, 2016

I think that it is important to keep track of your credit. Being able to compare cards helps you get the best deal for your situation. Finding a card with a low interest rate is important. For that reason keeping up with the options that all the cards offer is important. Sticking with one card out of loyalty simply because you have had it for years is always going to be the best option for you.

Picture of Althea Ann

By: | Apr 28, 2016

Hi! I have excellent credit, but just recently made some large purchases. I'd like to transfer some balances and take a few months to pay them off. It looks like the QuicksilverOne is the only card currently offering a no-fee balance transfer, and the $39. annual fee is less than what it would cost to transfer to my existing Slate card at 2%. However, the QuicksilverOne says it's for people with bad credit. Will it hurt my credit to apply for the card? Is there any other reason I should not consider it?

Picture of Margaret Riley Gibson

By: | Apr 14, 2016

Are you able to transfer more than one credit card?

Picture of Corey Bender

By: | Apr 11, 2016

I am going through a divorce and my wife has wrecked my credit. I'm trying to get my finances back on track, but the interest is killing me. I only have fair credit. Is there a 0% APR card balance for 15-18 months that caters to fair credit?

1 Reply

By: CompareCards | Apr 11, 2016

Hi Corey,

With fair credit, your options will be pretty limited in terms of which balance transfer credit cards you can get approved for. One good option for fair credit is the Capital One QuicksilverOne. Once your credit score gets into the upper 600s, you should apply for the Chase Slate card which comes with 0% APR for 15 months.

Picture of Jill Lindvall

By: | Apr 1, 2016

Is there a reputable credit card I can apply for, transfer the balance from another credit card and earn travel miles? Everything that I found says it has to be a purchase. Surely there's a credit card company who does this. Any help is appreciated.

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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.

Compare 0% Balance Transfer Credit Cards & Offers

One of the main reasons that people shop for a new credit card is in order to find banks that offer special 0% balance transfer credit cards for the longest period of time and with low transfer fees. In recent years consumers have started to use credit cards more wisely than they did before the big credit crisis. Now they tend to shift high-interest card balances to cards that offer a lower APR, because in doing so they are able to gain immediate and substantial savings.

Use our free balance transfer calculator and credit card payoff calculator found on this site to figure out how much money you can save by getting a better interest rate. Then look in this section for the best balance transfer credit cards that offer good deals such as 0% interest for 1 to 2 years, no-fee balance transfers, and lower regular APR rates. You will want to pay special attention to any minimum charges or transfer % that a credit card company might impose on you for transferring a balance – deduct that cost from your overall savings in order to arrive at a real net savings for transferring to a new credit card.

Let’s say that you have a card that you’re currently paying 25% interest on, but you find a card here that will only charge you 3.99% for the first year and 18% thereafter. By moving your balance to the new card you can save more than 20% right away, and 7% over the long term. If your transfer amount is $3,000 that means you save around $500– $600 in interest within the next 12 months.

Reviews
" " CompareCards says issuers are providing such generous deals, they're virtually irresistible for those willing to switch.

" " Those who always pay their balances in full and on time will usually come out ahead.

" " The offers on the credit card landscape are constantly changing which is great news for consumers.

" " In the future, the companies that will thrive are those able to give customers exactly what they want, the way they want it, when they want it.

" " CompareCards was one of three sites that met all the criteria.

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