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Balance Transfer Credit Card Offers for 2022
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.
NB! You cannot transfer a balance between credit cards from the same bank.
January 2022: TOP BALANCE TRANSFER OFFER
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% intro APR for 15 billing cycles on balance transfers posted within 45 days of account opening.
Ongoing APR
14.99%
Annual Fee
$495 ($195 for each Authorized User added to the account)
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
- Patented black PVD metal card—weighing 22 grams.
- 2% value for airfare redemptions with no blackout dates or seat restrictions.
- 1.5% value for cash back redemptions.
More Balance Transfer Credit Cards
- 2% Cash Back on all purchases for PenFed Honors Advantage Members.
- 1.5% Cash Back on all purchases made with your card.
- $100 Bonus Offer Statement Credit. When you spend $1,500 in the first 90 days.
- 0% Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval.
- Annual Fee: $0
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% promotional balance transfer rate for 12 Months
Ongoing APR
14.99% to 17.99%
Balance Transfer Fee
3% per transaction
Annual Fee
$0
- Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one point for every one dollar you spend. Every purchase gets you closer to the rewards you want.
- Patented brushed stainless steel front and carbon back—weighing 22 grams.
- 2% value for airfare redemptions with no blackout dates or seat restrictions.
- 1% value for cash back redemptions.
- 24/7 Luxury Card Concierge®—Available by phone, email, and live mobile chat.
- Exclusive Luxury Card Travel® benefits (e.g., amenities, room upgrades and complimentary food and beverages).
- Members-only LUXURY MAGAZINE®.
- Cell Phone Protection, Lyft credits, Postmates discounts, Fandango perks and more.
- Annual fee: $195 ($95 for each Authorized User).
- Earn one point for every one dollar spent.
- Terms and conditions apply.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% intro APR for 15 billing cycles on balance transfers posted within 45 days of account opening.
Ongoing APR
14.99%
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
Annual Fee
$195 ($95 for each Authorized User added to the account)
- 50,000 Bonus Points when you spend $3,000 in the first 90 days.
- 4x Points on all Travel categories for PenFed Honors Advantage Members, 3X Points on all Travel categories.
- 1.5x Points on all other purchases.
- 0% Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval.
- $100 ANNUAL domestic air ancillary travel statement credit.
- $100 Global Entry or $85 TSA Pre-check statement credit.
- Complimentary Priority Pass Airport Lounge Annual Membership.
- Annual Fee: $95.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% promotional balance transfer rate for 12 Months
Ongoing APR
14.99% to 17.99%
Balance Transfer Fee
3% per transaction
Annual Fee
$95
- Patented black PVD metal card—weighing 22 grams.
- 2% value for airfare redemptions with no blackout dates or seat restrictions.
- 1.5% value for cash back redemptions.
- 24/7 Luxury Card Concierge®—available by phone, email and live mobile chat.
- Exclusive Luxury Card Travel® benefits (e.g., amenities, room upgrades and complimentary food and beverages).
- Up to $100 annual airline credit and $100 Global Entry and TSA Pre-Check application fee credit.
- Cell Phone Protection, Lyft credits, Postmates discounts, Fandango perks and more.
- Annual fee: $495 ($195 for each Authorized User).
- Earn one point for every one dollar spent.
- Terms and conditions apply.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% intro APR for 15 billing cycles on balance transfers posted within 45 days of account opening.
Ongoing APR
14.99%
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
Annual Fee
$495 ($195 for each Authorized User added to the account)
- 15,000 Bonus Points when you spend $1,500 in first 90 days.
- 5x Points on gas paid at the pump and EV charging stations.
- 3x Points at the supermarket (including most Target and Walmart locations), restaurants and TV, radio, cable, streaming services.
- 1x Points on all other purchases.
- 0% Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval.
- Annual Fee: $0
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% promotional balance transfer rate for 12 Months
Ongoing APR
13.49% to 17.99%
Balance Transfer Fee
3% per transaction
Annual Fee
$0
- LOW APR on all purchases.
- $100 Bonus Statement Credit when you spend $1,500 in the first 90 days.
- Purchase Variable APR: 7.49% to 17.99%
- 0% promotional balance transfer rate for 12 Months on transfers made from now until March 31, 2022. After that, the APR for the unpaid balance and any new balance transfers will be be a non-variable rate of 17.99%.
- Annual Fee: $0
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% promotional balance transfer rate for 12 Months
Ongoing APR
7.49% to 17.99%
Balance Transfer Fee
3% per transaction
Annual Fee
$0
- 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 18 months)
Intro APR on Balance Transfers
0% (up to 18 months)
Ongoing APR
Balance Transfer Fee
3%
Annual Fee
$0
- Get Your Credit Card Today!
- Get a response in as little as 60 seconds.
- Good, Bad, and No Credit are accepted.
- Find the right credit card matched to your credit profile.
Intro APR on Purchases
See terms
Intro APR on Balance Transfers
See terms
Ongoing APR
See terms
Balance Transfer Fee
See terms
Annual Fee
See terms
- Excellent Credit Required - Applicants that do not have excellent credit will not be approved.
- Low 8.25% variable standard purchase APR and platinum benefits.
- No Annual Fee.
- No balance transfer fee for balances transferred in response to this online offer.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
8.25% (variable)
Balance Transfer Fee
NONE
Annual Fee
NONE
- Excellent Credit Required - Applicants that do not have excellent credit will not be approved.
- Low 10.25% variable standard purchase APR and platinum benefits.
- No Annual Fee.
- No balance transfer fee for balances transferred in response to this online offer.
- Travel Rewards - cardholders who enroll in the program receive 1.25 points per net dollar spent.
- Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions.
- Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
10.25% (variable)
Balance Transfer Fee
NONE
Annual Fee
NONE
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.
Not Sure Which Card to Choose?
Ask Our Experts or Read Credit Card FAQs
Paying fees won't make anyone happy. Cards usually charge a fee of 3% for balance transfers, and if your overall balance is hefty, that might be quite considerable. However, if you do the math, you'll see what you are paying for. If the card of your...
When you first face credit card issues, some phenomena can come as a bit of a shock. For example, balance transfers may seem unintelligible, but in fact they are quite easy to understand. You have a balance on card A and then you transfer it onto...
The best solution in such a case is to consolidate your debt on one card and to pay it off gradually but in one piece. You may use balance transfer cards for that. It works like that: you transfer your balance on to this card and then pay it off....
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