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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.
April 2018: TOP BALANCE TRANSFER OFFER
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
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, 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
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 unlimited 1% cash back on all other purchases – automatically.
- INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
- Redeem cash back any amount, any time. Rewards never expire.
- Use your rewards 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
13.49% - 24.49% Variable
Annual Fee
$0
Excellent / Good Credit
- Earn unlimited 1.5% cash rewards on all purchases.
- Earn a $150 cash rewards intro bonus after spending $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 14.49%, 18.49% or 24.49% 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 14.49%, 18.49% or 24.49%
Annual Fee
None
Excellent, Good Credit
- INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
- Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- 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
13.49% - 24.49% Variable
Annual Fee
$0
Fair / Good Credit
- Enjoy one of the lowest APRs in the industry.
- Same low rate for purchases, balance transfers and cash advances.
- No foreign transaction fee.
- 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
8.15% to 25.15% (V)
Annual Fee
$0
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, earn unlimited 1% cash back on all other purchases – automatically.
- 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
13.49% - 24.49% Variable
Annual Fee
$0
Excellent Credit
- A low, variable APR on purchases, balance transfers and cash advances
- No annual fee
- No balance transfer fees
- No foreign transaction fees
- Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
- Free online access to FICO® Credit Score
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
10.49% Variable
Annual Fee
$0
Excellent/Good Credit
- Transfer and pay off your debt at 0% Intro APR on Balance Transfers for up to 21 months; ongoing variable APR applies after that.
- Earn up to 5% cash back or up to 2 point rewards on all purchases.
- $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 21 months)
Ongoing APR
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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