Balance Transfer Credit Card Offers for 2018

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.

February 2018: TOP BALANCE TRANSFER OFFER

5
Card Overall Rating
Excellent, Good Credit
Intro APR on Purchases
0% (6 months)
Intro APR on Balance Transfers
0% (18 months)
Ongoing APR
13.24% - 24.24% Variable
Annual Fee
$0
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.

More Balance Transfer Credit Cards

5
Card Overall Rating
Excellent, Good Credit
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Intro APR on Purchases
0% (14 months)
Intro APR on Balance Transfers
0% (14 months)
Ongoing APR
13.24% - 24.24% Variable
Annual Fee
$0
4
Card Overall Rating
Excellent/Good Credit
  • 0% Intro APR on Balance Transfers for 18 months.
  • No Annual Fee. No Balance Transfer Fee.
  • Great Rewards Programs.
Intro APR on Purchases
0% (up to 15 months)
Intro APR on Balance Transfers
0% (up to 18 months)
Ongoing APR
Annual Fee
$0
5
Card Overall Rating
Excellent, Good Credit
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Earn 1% cash back on all other purchases.
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • Use your rewards instantly at Amazon.com checkout.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Intro APR on Purchases
0% (14 months)
Intro APR on Balance Transfers
0% (14 months)
Ongoing APR
13.24% - 24.24% Variable
Annual Fee
$0
5
Card Overall Rating
Excellent Credit
  • Enjoy 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $400 travel statement credit toward an eligible travel purchase
  • Earn 2X miles on all purchases
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on purchases made while traveling abroad
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 17.24%, 21.24% or 24.24%, based on your creditworthiness. There is a fee for balance transfers.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% (12 months (on balance transfers made within 45 days of account opening))
Ongoing APR
17.24%, 21.24% or 24.24% Variable
Annual Fee
$89 - waived first year
5
Card Overall Rating
Excellent, Good Credit
  • Choose your favorite team & show your pride - all 31 teams available. Save 10% at Shop.NHL.com and NHL.TV™.
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information. ©NHL
Intro APR on Purchases
0% (14 months)
Intro APR on Balance Transfers
0% (14 months)
Ongoing APR
13.24% - 24.24% Variable
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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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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