Balance Transfer Credit Card Offers for 2019

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.

November 2019: 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
13.49% - 24.49% Variable
*See Terms
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

Capital One® SavorOne® Cash Rewards Credit Card Application
Compare now (15) »
on Capital One's secure website
5
Card Overall Rating
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; 15.74% - 25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74% - 25.74% 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
15.74% - 25.74% (Variable)
Annual Fee
$0
Capital One® Quicksilver® Cash Rewards Credit Card Application
Compare now (15) »
on Capital One's secure website
5
Card Overall Rating
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; 15.74%-25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74%-25.74% 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
15.74% - 25.74% (Variable)
Annual Fee
$0
Discover it® Balance Transfer Application
Compare now (15) »
on Discover's secure website
5
Card Overall Rating
Excellent/Good Credit
  • 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.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Intro APR on Purchases
0% (6 months)
Intro APR on Balance Transfers
0% (18 months)
Ongoing APR
13.49% - 24.49% Variable
Annual Fee
$0
5
Card Overall Rating
Excellent/Good Credit
  • Stainless Steel – Patented Black-PVD-Coated Metal Card
  • 2% Value for Airfare Redemptions
  • 1.5% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™ – Available by phone, email, and mobile chat
  • Exclusive Luxury Card Travel Benefits
  • $100 Annual Airline Credit Toward Qualifying Purchases
  • $100 Global Entry Application Fee Credit
  • Annual Fee: $495 ($195 for each Authorized User)
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% For the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
Ongoing APR
16.49% This APR will vary with the market based on the Prime Rate.
Annual Fee
$495 ($195 for each Authorized User added to the account)
5
Card Overall Rating
Excellent / Good Credit
  • 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 14.65% - 24.65%, based on your creditworthiness
  • Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
  • Earn Points on Every Purchase! It's simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way
  • No Foreign Transaction Fee
Intro APR on Purchases
0% for 12 months
Intro APR on Balance Transfers
0% for 12 months
Ongoing APR
14.65% - 24.65% Variable
Annual Fee
$0
5
Card Overall Rating
Excellent/Good Credit
  • 24K-Gold-Plated – Patented Card Design
  • 2% Value for Airfare Redemptions
  • 2% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™ – Available by phone, email, and mobile chat
  • Exclusive Luxury Card Travel Benefits
  • $200 Annual Airline Credit Toward Qualifying Purchases
  • $100 Global Entry Application Fee Credit
  • Annual Fee: $995 ($295 for each Authorized User)
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% For the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
Ongoing APR
16.49% This APR will vary with the market based on the Prime Rate.
Annual Fee
$995 ($295 for each Authorized User added to the account)

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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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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