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. If it's going to take awhile to pay off your debt, look for the longest 0% period possible. Also, check out NerdWallet's list of the best balance transfer credit cards.
| Credit Card | Annual Fee | Introductory APRs | APRs | True Balance Transfer Cost
![]() |
![]() 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 |
![]() 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 |
![]() Hancock Bank Visa Classic |
$0 |
Purchase: 0% for 7 mos Balance Transfer: 1.9% for 12 mos |
8.92%
Inclusive of 3% Transfer Fee Apply Now |
![]() Union Bank Platinum Edition Visa Card |
$0 |
Purchase: 0% for 12 mos Balance Transfer: 0% for 12 mos |
8.96%
Inclusive of 3% Transfer Fee Apply Now |