If you carry a balance on your existing credit card (you have credit card debt), you can consolidate them all on one balance transfer credit card that offers 0% interest for an introductory period. The main trade-off is a card with no balance transfer fee (usually 5%) or one with a 0% intro period. Again, you’ll have to do the math (or use the filters below and we’ll do it for you). Also, check out NerdWallet's list of the best balance transfer credit cards.
| Credit Card | Annual Fee | Introductory APRs | APRs | True Balance Transfer Cost
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![]() Citi Simplicity® Card Featured Partner |
$0* |
0% Intro APR for 18 Months on Balance Transfers* and 18 Months on Purchases*
|
4.72%
Inclusive of 3% Transfer Fee Apply Now |
![]() Discover it® |
$0 |
0% Intro APR for 18 months on balance transfers. 0% Intro APR for 6 months on purchases. |
4.22%
Inclusive of 3% Transfer Fee Apply Now |
![]() Citi® Diamond Preferred® Card |
$0* |
0% Intro APR for 18 Months on Balance Transfers* and 18 Months on Purchases* |
4.47%
Inclusive of 3% Transfer Fee Apply Now |
![]() Slate® from Chase |
$0 |
0% Intro APR on purchases and balance transfers for 15 months |
4.48%
Inclusive of 0% Transfer Fee Apply Now |
![]() Discover it® |
$0 |
0% intro APR on purchases and balance transfers for 14 months. |
6.05%
Inclusive of 3% Transfer Fee Apply Now |
![]() Citi ThankYou® Card |
$0* |
0% Intro APR on Balance Transfers and Purchases for 15 months |
6.34%
Inclusive of 3% Transfer Fee Apply Now |
![]() Chase Freedom® Visa |
$0 |
0% APR for 15 months on purchases & balance transfers |
6.71%
Inclusive of 3% Transfer Fee Apply Now |
![]() The US Airways Premier World MasterCard® |
$89 |
0% introductory APR for 15 months on balance transfers |
7.94%
Inclusive of 4% Transfer Fee Apply Now |
![]() Virgin America Visa® Signature Card |
$49 |
Purchase: None Balance Transfer: 0% for 15 mos |
7.94%
Inclusive of 4% Transfer Fee Apply Now |
![]() Citi® Dividend Platinum Select® Visa® Card |
$0* |
0% Intro APR for 12 months on Balance Transfers and Purchases*
|
7.96%
Inclusive of 3% Transfer Fee Apply Now |
![]() BBVA Compass Visa Signature |
$0 |
Purchase: 0% for 6 mos Balance Transfer: 0% for 12 mos |
8.58%
Inclusive of 4% Transfer Fee Apply Now |