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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.
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.
November 2018: TOP BALANCE TRANSFER OFFER
Compare
Excellent, Good Credit
Intro APR on Purchases
0% (6 months)
Intro APR on Balance Transfers
0% (18 months)
Ongoing APR
13.99% - 24.99% Variable
Annual Fee
$0
- INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
- Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Redeem cash back any amount, any time. Rewards never expire.
More Balance Transfer Credit Cards
Good, Excellent Credit
- Earn unlimited 1.5% cash rewards on all purchases.
- Earn a $150 cash rewards intro bonus after spending $2,500 in the first 3 months.
- 10% Anniversary Bonus on all Cash Rewards earned once a year.
- No Annual Fee.
- 0% Intro APR for 15 months on balance transfers, then a 14.99%, 18.99% or 24.99% variable APR.
- No Foreign Transaction Fees.
- $0 liability for unauthorized purchases.
- Terms Apply.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% Intro APR for 15 months
Ongoing APR
Variable APR of 14.99%, 18.99% or 24.99%
Annual Fee
None
Good, Excellent Credit
- 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.99%, 16.99% or 20.99% will apply.
- No Penalty APR.
- Late Fee Waiver.
- No Foreign Transaction Fees.
- $0 Annual Fee.
- $0 liability for unauthorized purchases.
- Terms Apply.
Intro APR on Purchases
0% Intro APR for 18 months
Intro APR on Balance Transfers
0% Intro APR for 18 months
Ongoing APR
Variable APR of 12.99%, 16.99% or 20.99%
Annual Fee
None
Excellent, Good Credit
- One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
- 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 won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases for 15 months; 14.74%-24.74% variable APR after that
- 0% intro APR on balance transfers for 15 months; 14.74%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- Pay no annual fee or foreign transaction fees
Intro APR on Purchases
0% intro on purchases for 15 months
Intro APR on Balance Transfers
0% intro on balance transfers for 15 months
Ongoing APR
14.74% - 24.74% (Variable)
Annual Fee
$0
Excellent, Good Credit
- Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases for 15 months; 14.74% - 24.74% variable APR after that
- 0% intro APR on balance transfers for 15 months; 14.74% - 24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- No foreign transaction fee
- No annual fee
Intro APR on Purchases
0% intro on purchases for 15 months
Intro APR on Balance Transfers
0% intro on balance transfers for 15 months
Ongoing APR
14.74% - 24.74% (Variable)
Annual Fee
$0
Good/Excellent Credit
- Enjoy 60,000 bonus miles after spending $5,000 on purchases in the first 90 days
- Earn unlimited 2X miles on every purchase
- Book travel your way—no airline, seat or hotel restrictions—and redeem your miles for travel statement credits
- Get 5% miles back to use toward your next redemption, every time you redeem
- No foreign transaction fees
- International Chip and PIN for use at self-service chip terminals around the world
- Miles don’t expire as long as your account is open, active and in good standing
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% (first 12 billing cycles following each balance transfer that posts to your account within 45 days of account opening)
Ongoing APR
17.99%, 21.99% or 24.99% variable based on your creditworthiness
Annual Fee
$89 (waived first year)
Good - Excellent Credit
- Earn 5% cash back on your first $3,000 in gas and military base purchases annually on these categories combined
- Earn 2% on your first $3,000 on supermarket purchases per year
- Unlimited 1% cash back on all other purchases
- USAA membership is available to active and former military and their eligible family members
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
13.90% - 27.90% Variable
Annual Fee
$0
Good/Excellent Credit
- Enjoy a 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 13.99% APR will apply
- Low 13.99% variable APR on purchases and cash advances
- No annual fee
- No foreign transaction fees
- International Chip and PIN
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% intro APR for 15 months on balance transfers made within 45 days of account opening.
Ongoing APR
13.99% Variable
Annual Fee
$0
Excellent / Good Credit
- 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 14.90% - 24.90%, based on your creditworthiness
- Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
- Unlimited Points That Don't Expire
- Earn Points on Every Purchase! It's simple: $1 = 1 Point
- No Annual Fee
- Select Your Rewards Your Way
Intro APR on Purchases
0% for 12 months
Intro APR on Balance Transfers
0% for 12 months
Ongoing APR
14.90% - 24.90% Variable
Annual Fee
$0
Good - Excellent Credit
- Enjoy USAA's lowest rate card.
- No annual fee, no foreign transaction fees, no penalty APR.
- USAA membership is available to active and former military and their eligible family members
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
8.90% - 25.90% 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.
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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