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Credit Cards»Balance Transfer Credit Cards

Balance Transfer Credit Cards

What is a balance transfer credit card?

Balance transfer credit cards from our partners can reduce the interest you pay on your total credit card debt, effectively lowering your monthly payments and saving you money on finance charges. These cards allow you to consolidate all of your credit debt onto one low-rate card.

Who should get one?

These cards are typically designed for and offered to individuals with good to excellent credit. You may not qualify if your credit isn't in tip-top shape.

Balance transfer cards are ideal for individuals struggling to pay off the principal of their credit card debt due to high monthly interest payments. With balance transfer cards, you can make one low-rate monthly credit card payment instead of several.

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What are some pros and cons?

Many balance transfer cards offer a 0% introductory period. Some even provide cash back for purchases. Once you transfer all of your high-interest credit debt onto one card, you can save money on finance charges each month and pay off your debt more quickly. But because they come with a low introductory interest rate, their rewards are often not as extensive, and that 0% APR won't last forever.

Tips on balance transfer cards

Be careful -- that low rate you see on many of these cards is just the introductory rate, a temporary promotional period. It's important to calculate if you'll be able to pay off the balance in full before the promotional period ends. Otherwise, you may end up paying a much higher rate on your credit balance.

In addition, stay away from using the card for further purchases while paying off the balance. It's important to steadily reduce your credit card balance on a monthly basis.

Browse our extensive list of balance transfer card offers to apply for a card and start saving cash today.

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  • Discover it®
    or call
    888-333-5886
    • 0% intro APR on balance transfers for 18 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
    • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
    • 5% Cashback Bonus for gas and ground transportation on up to $1500 in purchases from Jan. through Mar. 2015 after you sign up for 5% Cashback Bonus. 1% cash back on all other purchases.
    • J.D. Power awarded Discover "Highest in Customer Satisfaction with Credit Card Companies. Tied in 2014."+
    • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
    • No annual fee, no late fee for your first late payment, APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
    • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
    • *See rates, rewards, free FICO® Credit Score terms, balance transfer terms and other info by clicking "Apply."
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    6 months
    Intro APR Period
    0%
    Intro APR
    18 months
    Intro APR Period
    10.99% - 22.99% Variable*
    $0
    Excellent Credit
  • Chase Slate®
    • Chase Slate named "Best Credit Card for Balance Transfers" two years in a row by Money Magazine
    • $0 Introductory balance transfer fee for transfers made during the first 60 days.
    • 0% Introductory APR for 15 months on purchases and balance transfers.
    • $0 Annual Fee
    • New Free Monthly FICO® Score and Credit Dashboard
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    15 months
    Intro APR Period
    0%
    Intro APR
    15 months
    Intro APR Period
    12.99%, 17.99%, 22.99% Variable
    $0
    Excellent/Good
  • BankAmericard® Visa® Card
    or call
    877-827-8836
    • 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 10.99% - 20.99% variable APR
    • No annual fee†
    • The perfect card for those seeking a simple yet convenient-to-use credit card
    • Our $0 Liability Guarantee, so you're not responsible for any fraudulent charges made on your account
    • Chip technology for enhanced security at chip-enabled merchant terminals
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%*
    Intro APR
    15 billing cycles*
    Intro APR Period
    0%*
    Intro APR
    15 billing cycles for qualifying balance transfers*
    Intro APR Period
    10.99% - 20.99% Variable* on purchases & balance transfers
    $0
    Excellent Credit
  • BankAmericard Cash Rewards™ Credit Card
    or call
    877-831-6028
    • Online-exclusive $100 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
    • 1% cash back on every purchase, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery store and gas purchases each quarter
    • No annual fee†
    • No changing categories and your rewards do not expire
    • Bank of America customers: Get a 10% customer bonus every time you redeem cash back into a Bank of America® checking or savings account
    • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.99% - 22.99% variable APR
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%*
    Intro APR
    12 billing cycles*
    Intro APR Period
    0%*
    Intro APR
    12 billing cycles for qualifying balance transfers*
    Intro APR Period
    12.99% - 22.99% Variable* on purchases & balance transfers
    $0
    Excellent Credit
  • MLB® BankAmericard Cash Rewards™ MasterCard® Credit Card
    • Online-exclusive $100 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
    • All 30 team cards are available, customized with your favorite team's colors and logo
    • 1% cash back on every purchase, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery store and gas purchases each quarter
    • No annual fee†
    • No changing categories and your rewards do not expire
    • Bank of America customers: Get a 10% customer bonus every time you redeem cash back into a Bank of America® checking or savings account
    • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.99% - 22.99% variable APR
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%*
    Intro APR
    12 billing cycles*
    Intro APR Period
    0%*
    Intro APR
    12 billing cycles for qualifying balance transfers*
    Intro APR Period
    12.99% - 22.99% Variable* on purchases & balance transfers
    $0
    Excellent Credit
  • Capital One® Quicksilver® Cash Rewards Credit Card
    or call
    866-781-9766
    • One-time $100 bonus after you spend $500 on purchases within the first 3 months
    • Earn unlimited 1.5% cash back on every purchase, every day
    • No rotating categories and no sign ups needed to earn cash rewards
    • Cash back doesn't expire and there's no limit to how much you can earn
    • 0% intro APR on purchases until December 2015; 12.9%-22.9% variable APR after that
    • Balance transfers also have a 0% intro APR until December 2015, a 3% fee applies to each balance transferred
    • Pay no annual fee or foreign transaction fees
    • Capital One® Credit Tracker—the free way to easily monitor your monthly credit score anytime, anywhere
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    until December 2015
    Intro APR Period
    0%
    Intro APR
    until December 2015
    Intro APR Period
    12.9% - 22.9% (Variable)
    $0
    Excellent/Good
  • Citi Simplicity® Card
    • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 22.99% based on your creditworthiness.
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
    • No late fees - Ever
    • No penalty rate - Ever
    • No annual fee - Ever
    • Save time when you call with fast, personal help, 24 hours a day.
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%*
    Intro APR
    18 months*
    Intro APR Period
    0%*
    Intro APR
    18 months*
    Intro APR Period
    12.99% - 22.99%* (Variable)
    $0*
    Excellent Credit
  • Blue Cash Everyday® Card from American Express
    • Get $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.
    • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
    • Earn Cash Back: 3% U.S. supermarkets up to $6,000 per year in purchases, 2% U.S. gas stations & select U.S. dept stores, 1% other purchases. Terms and limitations apply.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
    • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
    • Terms and restrictions apply.
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    15 months
    Intro APR Period
    0%
    Intro APR
    15 months
    Intro APR Period
    12.99% - 21.99% Variable
    $0
    Excellent Credit
  • Capital One® Platinum Prestige Credit Card
    or call
    866-781-9766
    • Get 0% intro APR on all purchases until June 2016; 10.9%-20.9% variable APR after that
    • Balance transfers also have a 0% intro APR until June 2016, a 3% fee applies to each balance transferred
    • Pay no annual fee or foreign transaction fees
    • Fraud coverage if your card is lost or stolen
    • Enjoy extended warranty protection on eligible items purchased with your card
    • Easily manage your account 24/7 with online access, by phone or using our mobile app
    • Pick the monthly due date that works best for you
    • 100% free Capital One® Credit Tracker—see your monthly credit score anytime and get automatic alerts
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    until June 2016
    Intro APR Period
    0%
    Intro APR
    until June 2016
    Intro APR Period
    10.9% - 20.9% (Variable)
    $0
    Excellent/Good
  • Chase Freedom®
    • Named a Best Card for Cash Back by MONEY® Magazine
    • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
    • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
    • 5% Cash Back on up to $1,500 in combined purchases between 4/1/15-6/30/15 at Restaurants, Bed Bath & Beyond®, H&M®, and Overstock.com®.
    • You'll enjoy new 5% categories every 3 months like Gas stations, Restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
    • Unlimited 1% Cash Back on all other purchases
    • No annual fee and rewards never expire as long as your account is open
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    15 months
    Intro APR Period
    0%
    Intro APR
    15 months
    Intro APR Period
    13.99% - 22.99% Variable
    $0
    Excellent/Good
  • Blue Cash Preferred® Card from American Express
    • Get $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $150 back in the form of a statement credit.
    • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
    • Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% other purchases. Terms and limitations apply.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
    • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
    • Terms and limitations apply.
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    15 months
    Intro APR Period
    0%
    Intro APR
    15 months
    Intro APR Period
    12.99% - 21.99% Variable
    $75
    Excellent Credit
  • Discover it®
    or call
    800-628-1537
    • 5% Cashback Bonus for gas and ground transportation on up to $1500 in purchases from Jan. through Mar. 2015 after you sign up for 5% Cashback Bonus. 1% cash back on all other purchases.
    • Redeem your cashback for any amount, any time*. Your cash back never expires.
    • J.D. Power awarded Discover "Highest in Customer Satisfaction with Credit Card Companies. Tied in 2014."+
    • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
    • No annual fee, no late fee for your first late payment, APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
    • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
    • 100% U.S.- based customer service— day or night.
    • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    14 months
    Intro APR Period
    0%
    Intro APR
    14 months
    Intro APR Period
    10.99% - 22.99% Variable*
    $0
    Excellent Credit
  • Citi® Double Cash Card
    • 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99%-22.99%, based on your creditworthiness*
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
    • The only card that earns you cash back twice on every purchase with:
    • 1% cash back when you buy
    • Plus 1% cash back as you pay for those purchases, whether you pay in full or over time*
    • No Category Restrictions, No Caps, No Enrollments in Rotating Categories
    • No Annual Fee
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    15 months*
    Intro APR Period
    0%
    Intro APR
    15 months*
    Intro APR Period
    12.99% - 22.99%* (Variable)
    $0*
    Excellent Credit
  • U.S. Bank Perks+ Visa Signature Card®
    • 0% Intro APR* on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR, currently 11.99% - 21.99%.
    • Earn 2X points on Gas and Grocery net purchases for the first 12 months
    • Earn 1 point for every dollar spent on everything else.
    • Redeem for rewards you want — Redemption starts at 1,700 points for brand name merchandise, 2,500 points for gift cards, and 5,000 points for cash back.
    • Additionally, 25,000 points may be redeemed for one airline ticket (up to a $400 value) on over 150 airlines with no blackout dates.
    • No annual fee.
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%*
    Intro APR
    12 billing cycles*
    Intro APR Period
    0%*
    Intro APR
    12 billing cycles*
    Intro APR Period
    11.99% - 21.99%* (Variable)
    $0*
    Excellent Credit
  • NFL Extra Points Credit Card
    • Earn 10,000 bonus points after $500 in purchases in the first 90 days, enough to redeem for a $100 cash back statement credit
    • 0% promotional APR for 6 months on ALL ticket purchases from a team ticket office. After that, a variable APR currently 14.99%, 19.99% or 24.99%, based on your credit worthiness
    • Earn 2 points per $1 on NFL or team purchases - game tickets, in-stadium and at team Pro Shops - and 1 point per $1 on all other purchases
    • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend
    • Redeem points for VIP NFL experiences, game tickets or 1% cash back statement credits beginning at 2,500 points for a $25 statement credit
    • All 32 team cards are available, customized with your favorite team's colors and logo
    • 0% introductory APR for 15 months on balance transfers made within 45 days of account opening. After that a variable APR, currently 14.99%, 19.99% or 24.99%, based on your creditworthiness
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    0%
    Intro APR
    15 months (must be completed within first forty-five days of account opening)
    Intro APR Period
    14.99%, 19.99% or 24.99%* Variable
    $0
    Fair to Excellent
  • U.S. Bank FlexPerks® Select+ American Express® Card
    • Earn 10,000 enrollment FlexPoints after you spend $1,000 in Net Purchases (purchases minus credits and returns) on your Card within the first four months of account opening.
    • Use your Card at select membership warehouse clubs and for everyday purchases.
    • 1 FlexPoint for every $1 in Net Purchases.
    • No annual fee.
    • Travel Advisor Fee: $25
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    0%
    Intro APR
    9 billing cycles on Balance Transfers
    Intro APR Period
    13.99% - 23.99%* (Variable)
    $0
    Excellent Credit
  • Capital One® Card Finder Tool
    • Find card offers you may be eligible for without affecting your credit score
    • Get matched to features you want like low intro rates, cash back or miles, and more
    • See your card matches in less than 60 seconds
    • Find a card for where you are—to help you prepare for what's ahead
    • All Capital One cards come with fraud coverage if your card is lost or stolen
    • 24/7 account access including mobile app for fast and easy account management—right from your smartphone
    • Pick the monthly payment due date that works best for you
    • Pay the way you want—by check, online, or at a local branch
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    See Terms
    Intro APR
    See Terms
    Intro APR Period
    See Terms
    Intro APR
    See Terms
    Intro APR Period
    Various Rates
    See Terms
    N/A
  • Barclaycard® Ring MasterCard®
    • No Balance Transfer Fees - start saving immediately!
    • A low 8% variable APR on balance transfers and purchases
    • No Annual Fees
    • Choose your card benefits and features
    • Get rewarded through the new Giveback™ program, where Barclaycard Ring members get money back for good performance
    • Get exclusive access to our online community and vote on the card features you like and view the financials of the Barclaycard Ring MasterCard online
    • Learn more about personal finance from Barclaycard and other members
    • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    None
    Intro APR
    None
    Intro APR Period
    8.00% (Variable)
    $0
    Excellent Credit
  • Simmons Bank Visa® Platinum
    • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
    • Low 7.25% variable standard purchase APR and platinum benefits
    • No balance transfer fee for balances transferred in response to this online offer
    • No Annual Fee
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    None
    Intro APR
    None
    Intro APR Period
    7.25% (Variable)
    $0
    Excellent Credit
  • Simmons Bank Visa® Platinum Rewards
    • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
    • Low 9.25% variable standard purchase APR and platinum benefits
    • No balance transfer fee for balances transferred in response to this online offer
    • Travel Rewards - cardholders who enroll in the program receive one point per net dollar spent
    • Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions
    • Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants
    • No Annual Fee
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    None
    Intro APR
    None
    Intro APR Period
    9.25% (Variable)
    $0
    Excellent Credit
  • USAA Military Affiliate Card
    • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.
    • Special Offer: 0% Intro APR for 12 months on balance transfers that post within the first three months. After 12 months, the 10.90% to 25.90% variable regular APR will apply.
    • Show your military pride while supporting the affiliate group of your choice.
    • Get 2,500 bonus points after you make your first purchase.
    • Redeem your USAA Rewards points towards cash, gift cards, name brand merchandise and travel with no blackout date.
    • No annual fee and no minimum finance charge.
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    0%
    Intro APR
    12 months
    Intro APR Period
    10.90%-25.90% (Variable)
    $0
    Excellent Credit
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* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

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