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Balance Transfer Credit Card Offers for 2022
NB! You cannot transfer a balance between credit cards from the same bank.
October 2022: TOP BALANCE TRANSFER OFFER
- 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
- 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.
- Earn 20,000 bonus Rewards Points when you spend $3,000 in the first 60 days
- Earn 2 Rewards Points for every $1 spent on groceries, gas, electronics, medical, household goods and telecommunications and 1 Reward Point for every $1 spent on all other purchases
- Redeem Reward Points for travel, merchandise, events, experiences, gift cards and cash
- No points maximum and your points never expire
- Industry-leading Chip + PIN security
- 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.
- 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.
- 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.
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?
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