Balance Transfer Credit Card Offers - 0% Interest Rate

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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 and even offer 0% APR for up to 18 months, combined with cash back and other rewards.

Best Balance Transfer Credit Cards For You

Up to 5% Cash Back
0% Intro APR
Earn Award Miles
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
Intro APR on Bal. Transf. 0% (18 months)
Intro APR on Purchases 0% (6 months)
Regular APR 10.99% - 22.99% Variable±
Annual Fee $0
0% on Balance Transfers for 18 months
  • 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.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • Over 5,000 cardmembers rated 4.8 out of 5 stars± and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power.±
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
Click the Compare link to compare the checked cards side-by-side at the comparison table.
See terms Various Rates See terms See terms
Consumer Rating: 5 / 5
  • 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.
Click the Compare link to compare the checked cards side-by-side at the comparison table.
0%
(until
February
2016)
10.9% -
18.9% (V)
$0 3%
Consumer Rating: 5 / 5
  • Get 0% intro APR on all purchases until February 2016; 10.9% - 18.9% variable APR after that.
  • Balance transfers also have a 0% intro APR until February 2016, a 3% fee applies to each balance transferred.
  • Pay no annual fee or foreign transaction fees.
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
0%
(until
August
2015)
12.9% -
22.9% (V)
$0 3%
Consumer Rating: 5 / 5
  • One-time $100 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 and no sign ups needed to earn cash rewards.
Click the Compare link to compare the checked cards side-by-side at the comparison table.
0%
(14 months)
10.99% -
22.99% Variable±
$0 3%±
Consumer Rating: 5 / 5
  • 0% intro APR on purchases & balance transfers for 14 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Over 5,000 cardmembers rated 4.8 out of 5 stars± and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power.±
  • 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up±. 1% cash back on all other purchases.
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
0%
(15 billing
cycles)
15.99%, 19.99%
or 24.99%* (Variable)
$89 3% ($10 min)
Consumer Rating: 4 / 5
  • Earn 40,000 bonus miles after your first purchase and payment of the $89 annual fee*.
  • First checked bag FREE on eligible bags for you and up to four companions on domestic US Airways operated flights.
  • One companion certificate good for up to 2 guests to travel with you on a US Airways operated flight at $99 each, plus taxes and fees.
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
0%
(15 billing
cycles)
15.99% or 24.99%*
(Variable)
$79 3%
($5 min)
Consumer Rating: 4 / 5
  • Earn 20,000 award miles after your first purchase and payment of the annual fee.
  • Earn an additional 30,000 award miles when you spend $5,000 in purchases within the first 90 days of account opening.
  • Earn 2 award miles per $1 on ticket purchases directly from Miles & More integrated airline partners and 1 mile per $1 on all other purchases.

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 consolidateonto 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!

Latest Balance Transfer Card Guides More Guides »

June 23, 2014

If you are carrying a balance on one or more of your credit cards, you might be wondering if it makes sense to transfer your balance to a new card. A balance transfer credit card can help people save ...

December 30, 2013

There is a lot of chatter about balance transfer offers. Which one is the best offer, how to do a balance transfer, how much faster you can pay off debt and how much money you will save by doing a ...

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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.