Balance Transfer Credit Card Offers for 2024

Balance transfer credit cards are ideal for people who carry balances on multiple credit accounts. The cards allow to transfer higher-interest balances onto a single new credit card with low or 0% promo rate and thus, consolidate 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 offer long 0% intro APR periods, combined with cash back and other rewards.

NB! You cannot transfer a balance between credit cards from the same bank.

December 2024: TOP BALANCE TRANSFER OFFER

4
Card Overall Rating
Excellent/Good Credit
Intro APR on Purchases
0% (up to 21 months)
Intro APR on Balance Transfers
0% (up to 21 months)
Ongoing APR
See Terms
Annual Fee
$0
Balance Transfer Fee
3%
  • Transfer and pay off your debt at 0% Intro APR on Balance Transfers; ongoing variable APR applies after that.
  • There is a balance transfer fee.
  • Earn cash back or point rewards on all purchases. Rewards won’t expire.

More Balance Transfer Credit Cards

4
Card Overall Rating
Excellent/Good Credit
  • Transfer and pay off your debt at 0% Intro APR on Balance Transfers; ongoing variable APR applies after that.
  • There is a balance transfer fee.
  • Earn cash back or point rewards on all purchases. Rewards won’t expire.
  • $0 liability on unauthorized purchases. No annual fee.
Intro APR on Purchases
0% (up to 21 months)
Intro APR on Balance Transfers
0% (up to 21 months)
Ongoing APR
Balance Transfer Fee
3%
Annual Fee
$0

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 all their credit card debt on to one card. 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 21% interest rate, transferring to a card with a 0% introductory APR for a year will save you around $400 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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