Balance Transfer Credit Card Offers

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Balance transfer credit cards are ideal for people with multiple accounts of outstanding debt. It allows you to transfer higher-interest debt balances onto a single new credit card, consolidating all your debt under one low interest rate. How is this useful? Besides combining all your credit card debts under one bill, you will find lots of savings in new introductory offers on Balance Transfer. Some of the best balance transfer offers require no annual fees, no balance transfer fees, and offer long 0% intro APR periods, combined with cash back and other rewards.

Best Balance Transfer Credit Cards For You

Best Choice
$0 Annual Fee
for Fair Credit
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Intro APR on Bal. Transf. See Terms
Intro APR on Purchases See Terms
Regular APR Various Rates
Annual Fee See Terms
Find card offers you may be eligible for without affecting your credit score
  • Find card offers you may be eligible for without affecting your credit score
  • Get matched to features you want like low intro rates, cash back or miles, and more
  • See your card matches in less than 60 seconds
 
Consumer Rating: 5 / 5

Other Credit Cards with Balance Transfer

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How to compare card offers 1. Check the most attractive cards in the tables below
2. Click the "Compare" link below any card
3. Compare checked cards, select the best one and apply online.
Card Name
Intro APR Bal.Tr.
(Intro Period)
APR %
Annual Fee
Balance Transfer Fee
Apply
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
0% intro on balance transfers until November 2016 13.24% - 23.24% (Variable) $0 3%
 
Consumer Rating: 5 / 5
  • 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
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
0% (12 months) 16.24%, 20.24% or 24.24%* Variable $0 3%, Minimum $5
 
Consumer Rating: 5 / 5
  • Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 90 days — that's enough to redeem for a $200 travel statement credit
  • Earn 2X miles on travel & dining and 1X miles on all other purchases
  • Get 5% miles back to use toward your next redemption, every time you redeem
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
0% intro on balance transfers until November 2016 23.24% (Variable) $39 $0
 
Consumer Rating: 5 / 5
  • 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; 23.24% variable APR after that
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
0% (12 months) 13.24%-23.24% $0 4% (minimum $10) for each transfer
 
Consumer Rating: 5 / 5
  • Earn $200 cash back when you spend $1,500 within the first 90 days of account opening*
  • 2% cash bonus on dining purchases from your local deli to fast food, coffee shops, casual restaurants and fine dining.
  • 1% on all other purchases - no categories or gimmicks - and earn points that never expire*
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
0%
(21 months)
12.99% - 22.99% (Variable) $0 3%
($5 min)
 
Consumer Rating: 4 / 5
  • 0% Intro APR on Balance Transfers and Purchases for 21 months.
  • No Balance Transfer Fee. No annual fee.
  • Great Rewards Programs.
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
0% (12 months) 16.24% or 20.24%* Variable $89 - waived first year 3%, Minimum $5
 
Consumer Rating: 5 / 5
  • Earn 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $400 travel statement credit
  • Earn 2X miles on all purchases
  • Get 5% miles back to use toward your next redemption, every time you redeem
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
n/a 8.25%* Variable $0 0%
 
Consumer Rating: 5 / 5
  • No Balance Transfer Fees - start saving immediately!
  • A low variable APR on balance transfers and purchases
  • No Annual Fee
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
n/a 7.15% to 24.15% (V) $0 Up to 3%
 
Consumer Rating: 4 / 5
  • USAA Bank products are only available to military members, veterans who have honorably served, and their eligible family members.
  • Enjoy our lowest rate card.
  • Pay no annual, penalty APR or foreign transaction fees.
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
0% (12 months) 13.24% - 22.24% (V) $0 3%
($5 min)
 
Consumer Rating: 4 / 5
  • 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.

Does it make sense to
transfer money?

Your current credit card info:

Credit card you want to transfer to:

Balance Transfers 101

High unemployment rates, salary cuts, and foreclosures - these are just some of the negative effects of the ongoing recession. But believe it or not there´s actually an upside to the economic downturn. Several banks and financial institutions are now bombarding customers with good to excellent credit scores with balance transfer credit card offers.

Balance transfer credit cards are ideal for individuals with outstanding balances on several cards and designed to help people consolidate on to one card all their credit card debt. These cards are also an excellent way to reduce monthly interest payments by hundreds of dollars a year. For example, if you have an outstanding balance of $5,000 with a 15% interest rate, transferring to a card with a 0% introductory interest rate for a year will save you $750 in interest payments!

Here are a few points to consider:
  • Is a balance transfer credit card right for you? First, determine if you will be eligible for a balance transfer credit card. Having a bad credit and knowingly applying for a balance transfer credit card, with unrealistic expectations may result in rejection and hard inquiry in your credit history.
  • Calculate how much you will save. After you determine whether or not you are eligible for a balance transfer credit card, it is important to calculate how much you stand to save by transferring all or a portion of your credit card balance.
  • Note the details of the rates. Fees with balance transfer cards can be tricky, so it´s important that you know the exact details of your card.
Use our tips to determine if a balance transfer credit card is right for you. If it is, be sure to follow our guidelines to ensure the best benefits!

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BestCreditOffers.com is an independent, advertising-supported website which receives compensation from the credit card issuers and companies whose offers appear on the site. Compensation may impact how and where products appear on our site, including, for example, the order in which they may appear on the site pages. BestCreditOffers.com does not review or list all available financial or credit offers.