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
Earn 1.5% Cash Back
No Balance Transfer Fee
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

You can sort items by clicking on the table header

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.
0% (until April 2016) 12.9% - 22.9% (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.
n/a 7.25% $0 0%
 
Consumer Rating: 3 / 5
  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved.
  • Low 7.25% variable standard purchase APR and platinum benefits.
  • No Annual Fee.
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 billing cycles
for qualifying balance transfers)9
12.99% - 22.99%
Variable on
purchases &
balance transfers9
$09
3%
($10 min)9
 
Consumer Rating: 5 / 5
  • Online-exclusive $100 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening.9
  • 1% cash back on every purchase, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery store and gas purchases each quarter.9
  • No annual fee.9
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
n/a 9.25% $0 0%
 
Consumer Rating: 3 / 5
  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved.
  • Low 9.25% variable standard purchase APR and platinum benefits.
  • No Annual Fee.
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
0%
(15 months)
12.99% - 22.99% Variable $0 3%
($5 min)
 
Consumer Rating: 5 / 5
  • Chase Slate named "Best Credit Card for Balance Transfers" four 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.
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
n/a 6.90% to 23.90% (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 fee, penalty APR or over-the-limit fee.

9 The card´s rates, fees and other terms are subject to change. Therefore, we do not guarantee that information presented on this page is current and up to date. Please, visit the bank´s or credit card company´s website to review the current Terms & Conditions.

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!

Latest Balance Transfer Card Guides More Guides »

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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.