Balance Transfer Credit Card Offers for 2025

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.

July 2025: TOP BALANCE TRANSFER OFFER

4
Card Overall Rating
Excellent/Good Credit
Intro APR on Purchases
0% (up to 21 months)
Intro APR on Balance Transfers
0% (up to 21 months)
Ongoing APR
See Terms
Annual Fee
$0
Balance Transfer Fee
See Terms
  • 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.

More Balance Transfer Credit Cards

This offer is only available in CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT.

5
Card Overall Rating
Excellent / Good Credit
  • Bonus Cash Back: Earn $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening
  • Earn unlimited 2% Cash Back on all eligible purchases
  • No reward categories, no caps, no worries.​
  • Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card
  • No annual fee
  • Contactless Payments/Digital Wallet
  • Instant credit card replacement
  • Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.

This offer is only available in CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT.

Intro APR on Purchases
None
Intro APR on Balance Transfers
0% introductory APR balance transfers for first 15 billing cycles after account opening. After that 19.24%, 24.24% or 29.24% variable APR based on your credit worthiness.
Ongoing APR
19.24%, 24.24% or 29.24% variable APR based on your creditworthiness.
Balance Transfer Fee
Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within the introductory offer. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.
Annual Fee
None

This offer is only available in CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT.

5
Card Overall Rating
Excellent / Good Credit
  • Special offer: Earn $200 Cash Back when you spend $1,000 on eligible purchases within the first 90 days of opening your account.
  • Choose your top two spend categories to earn unlimited 3% and 2% Cash Back. Earn unlimited 1% Cash Back on all other eligible purchases.
  • Switch spend categories up to four times a year.​
  • No annual fee
  • Contactless Payments/Digital Wallet
  • Instant credit card replacement
  • Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.

This offer is only available in CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT.

Intro APR on Purchases
None
Intro APR on Balance Transfers
0% introductory APR balance transfers for first 15 billing cycles after account opening. After that 19.24%, 24.24% or 29.24% variable APR based on your credit worthiness.
Ongoing APR
19.24%, 24.24% or 29.24% variable APR based on your creditworthiness.
Balance Transfer Fee
Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within the introductory offer. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.
Annual Fee
None
4
Card Overall Rating
Excellent/Good Credit
  • 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.
Intro APR on Purchases
0% (up to 21 months)
Intro APR on Balance Transfers
0% (up to 21 months)
Ongoing APR
Balance Transfer Fee
Annual Fee
$0

This offer is only available in CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT.

4
Card Overall Rating
Excellent / Good Credit
  • Get built-in flexibility with the TD FlexPay Credit Card
  • Our best balance transfer offer
  • Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card
  • No annual fee
  • Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.

This offer is only available in CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT.

Intro APR on Purchases
None
Intro APR on Balance Transfers
Get our best balance transfer offer: 0% introductory APR on balance transfers for first 18 billing cycles after account opening. After that 18.24% - 28.24% variable APR based on your creditworthiness.
Ongoing APR
18.24%, 20.24%, 23.24%, 26.24% or 28.24% variable APR based on your creditworthiness.
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within the introductory offer. After that: Either $5 or 5% of the amount of each transfer, whichever is greater
Annual Fee
None

This offer is only available in CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT.

4
Card Overall Rating
Excellent / Good Credit
  • No interest - just a simple monthly fee*
  • Pay a simple fee and predictable minimum payment each month
  • No late payment or foreign transaction fees
  • Enjoy Visa benefits like cell phone protection, emergency card replacement and Visa Zero Liability
  • Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.

This offer is only available in CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT.

Intro APR on Purchases
None
Intro APR on Balance Transfers
None
Ongoing APR
None
Balance Transfer Fee
$0
Annual Fee
$10 per month ($120 annualized)

This offer is only available in CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT.

4
Card Overall Rating
Excellent / Good Credit
  • No interest - just a simple monthly fee*
  • Pay a simple fee and predictable minimum payment each month
  • No late payment or foreign transaction fees
  • Enjoy Visa benefits like cell phone protection, emergency card replacement and Visa Zero Liability
  • Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.

This offer is only available in CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT.

Intro APR on Purchases
None
Intro APR on Balance Transfers
None
Ongoing APR
None
Balance Transfer Fee
$0
Annual Fee
$20 per month ($240 annualized)

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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