Balance Transfer Credit Cards

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.

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Credit Card Annual Fee Introductory APRs APRs True Balance Transfer Cost dollarsign
Discover It Credit Card

Discover it®

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Show Details
$0 0% Intro APR for 18 months on balance transfers. 0% Intro APR for 6 months on purchases.
10.99% - 22.99% Variable*
4.22%
question

Inclusive of 3% Transfer Fee

Apply Now

on Discover's
secure website

thumbsupPros
  • Bonus cash back categories
  • No annual fee
  • 0% on purchases for 6 months and 0% on balance transfers for 18 months
  • No foreign transaction fee
Balance Transfer Interest Over 2 Years
Balance transfer fee, One time3.00%
Intro balance transfer, first 18 months0.00%
Ongoing Rate , after 18 months10.99%-22.99% Variable
2 year effective interest payment (NerdWallet estimate based on credit worthiness)
dollarsign
4.22%
Account Details

  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you're never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • * Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.

See complete Discover it® details

Citibank Simplicity Credit Card

Citi Simplicity® Card

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Show Details
$0* 0% Intro APR for 18 Months on Balance Transfers* and 18 Months on Purchases*
12.99% - 21.99%* (Variable)
4.72%
question

Inclusive of 3% Transfer Fee

Apply Now

on Citibank's
secure website

thumbsupPros
  • No late fee
  • No annual fee
  • 0%* on purchases and balance transfers for 18 months*
thumbsdownCons
  • No rewards
Balance Transfer Interest Over 2 Years
Balance transfer fee, One time3.00%
Intro balance transfer, first 18 months0.00%
Ongoing Rate , after 18 months12.99%-21.99% Variable
2 year effective interest payment (NerdWallet estimate based on credit worthiness)
dollarsign
4.72%
Account Details

  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% 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.

See complete Citi Simplicity® Card details

Bank of America BankAmericard Visa Credit Card

BankAmericard® Visa® Card

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Show Details
$0 15 billing cycles*
10.99% - 20.99% Variable* on purchases & balance transfers
N/A
question

Inclusive of 3% Transfer Fee

Apply Now

on Bank of America's
secure website

Balance Transfer Interest Over 24 Billing Cycles
Balance transfer fee, One time3.00%
Intro balance transfer, first 15 billing cycles0.00%
Ongoing Rate , after 15 billing cycles10.99% - 20.99% Variable on purchases and balance transfers
2 year effective interest payment (NerdWallet estimate based on credit worthiness)
dollarsign
N/A

*Issuers may use additional criteria to determine rate.
Account Details

  • 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

See complete BankAmericard® Visa® Card details

Discover It Credit Card

Discover it®

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Show Details
$0 0% intro APR on purchases and balance transfers for 14 months.
10.99% - 22.99% Variable*
6.05%
question

Inclusive of 3% Transfer Fee

Apply Now

on Discover's
secure website

thumbsupPros
  • Bonus cash back categories
  • No annual fee
  • 0% on purchases and balance transfers for 14 months
  • No foreign transaction fee
Balance Transfer Interest Over 2 Years
Balance transfer fee, One time3.00%
Intro balance transfer, first 14 months0.00%
Ongoing Rate , after 14 months10.99%-22.99% Variable
2 year effective interest payment (NerdWallet estimate based on credit worthiness)
dollarsign
6.05%
Account Details

  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you're never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • *Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.

See complete Discover it® details

American Express Blue Cash Everyday Credit Card

Blue Cash Everyday® Card from American Express

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Show Details
$0 0% on Purchases for 15 months; 0% on Balance Transfers for 15 months
12.99% - 21.99% Variable
6.34%
question

Inclusive of 3% Transfer Fee

Apply Now

on American Express's
secure website

thumbsupPros
  • No annual fee
  • 0% on purchases and balance transfers for 15 months
Balance Transfer Interest Over 2 Years
Balance transfer fee, One time3.00%
Intro balance transfer, first 15 months0.00%
Ongoing Rate , after 15 months12.99%-21.99% Variable
2 year effective interest payment (NerdWallet estimate based on credit worthiness)
dollarsign
6.34%
Account Details

  • Get 50 Reward Dollars, redeemable for a $50 statement credit, after you make $1,000 in purchases with your new Card in the first three months.
  • Plus, get one year of Amazon Prime after you sign up for a new membership with your Card and meet the spending requirement in the same time period.
  • As an Amazon Prime member, you get unlimited Free Two-Day Shipping on millions of items.
  • Earn Cash Back: 3% at US supermarkets, up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on 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 Restrictions Apply.

See complete Blue Cash Everyday® Card from American Express details

Chase Freedom - $100 Cash Back Credit Card

Chase Freedom®

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Show Details
$0 0% APR for 15 months on purchases and balance transfers
13.99% - 22.99% (Variable)
6.71%
question

Inclusive of 3% Transfer Fee

Apply Now

on Chase's
secure website

thumbsupPros
  • Bonus cash back categories
  • No annual fee
  • 0% on purchases and balance transfers for 15 months
Balance Transfer Interest Over 2 Years
Balance transfer fee, One time3.00%
Intro balance transfer, first 15 months0.00%
Ongoing Rate , after 15 months13.99%-22.99% Variable
2 year effective interest payment (NerdWallet estimate based on credit worthiness)
dollarsign
6.71%
Account Details

  • Earn a $100 Bonus after you make $500 in 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 April 1 and June 30, 2014 at restaurants and Lowe's® home improvement stores
  • 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

See complete Chase Freedom® details

Chase Slate Elite Credit Card

Chase Slate®

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Show Details
$0 0% Intro APR on purchases and balance transfers for 15 months
12.99%, 17.99%, 22.99% (V)
6.71%
question

Inclusive of 0% Transfer Fee

Apply Now

on Chase's
secure website
Or call (877) 690-4943

thumbsupPros
  • No annual fee
  • 0% on purchases and balance transfers for 15 months
  • No balance transfer fee
thumbsdownCons
  • No rewards
Balance Transfer Interest Over 2 Years
Balance transfer fee, One time0.00%
Intro balance transfer, first 15 months0.00%
Ongoing Rate , after 15 months12.99%-22.99% Variable
2 year effective interest payment (NerdWallet estimate based on credit worthiness)
dollarsign
6.71%
Account Details

  • Pay less interest. Save on balances and new purchases.
  • $0 balance transfer fee - introductory offer!
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • $0 Annual Fee

See complete Chase Slate® details

Bank of America BankAmericard Better Balance Credit Card

BankAmericard® Better Balance Rewards™ Credit Card

starstarstarstar
Show Details
$0 12 billing cycles*
11.99% - 21.99% Variable* on purchases & balance transfers
N/A
question

Inclusive of 3% Transfer Fee

Apply Now

on Bank of America's
secure website

Balance Transfer Interest Over 24 Billing Cycles
Balance transfer fee, One time3.00%
Intro balance transfer, first 12 billing cycles0.00%
Ongoing Rate , after 12 billing cycles11.99% - 21.99% Variable on purchases and balance transfers
2 year effective interest payment (NerdWallet estimate based on credit worthiness)
dollarsign
N/A

*Issuers may use additional criteria to determine rate.
Account Details

  • No annual fee
  • Save on interest with a 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 11.99% - 21.99% variable APR
  • Earn $25 per quarter towards your balance when you pay more than the monthly minimum and on time each month
  • Get an additional $5 bonus per quarter if you have a Bank of America® checking or savings account
  • Cash back is automatically credited to your card balance

See complete BankAmericard® Better Balance Rewards™ Credit Card details

Barclays Lufthansa Premier Miles & More Credit Card

Premier Miles & More® World MasterCard®

starstarstarhalfstar
Show Details
$79 0% on purchases and balance transfers for 12 months
15.99% or 24.99%* (Variable)
7.94%
question

Inclusive of 4% Transfer Fee

Apply Now

on Barclays's
secure website

thumbsupPros
  • 0% on purchases and balance transfers for 12 months
thumbsdownCons
  • Has annual fee
Balance Transfer Interest Over 2 Years
Balance transfer fee, One time4.00%
Intro balance transfer, first 15 months0.00%
Ongoing Rate , after 15 months15.99%-24.99% Variable
2 year effective interest payment (NerdWallet estimate based on credit worthiness)
dollarsign
7.94%
Account Details

  • Earn 20,000 award miles after your first purchase or balance transfer
  • Earn up to 15,000 award miles with balance transfers (1 mile per $1 transferred) within 30 days of account opening
  • Earn 2 award miles per $1 on ticket purchases directly from Miles & More integrated airline partners
  • Earn 1 mile per $1 on all other purchases
  • Annual Complimentary Companion Ticket after first purchase, then annually thereafter
  • No foreign transaction fees on purchases made outside the U.S.
  • Redeem miles for flight awards and upgrades on Lufthansa, Austrian Airlines, Brussels Airlines, SWISS, Star Alliance airlines and other partners
  • $79 Annual Fee, waived for SEN and HON Circle Members

See complete Premier Miles & More® World MasterCard® details

Bank of America BankAmericard Cash Rewards Visa Signature Credit Card

BankAmericard Cash Rewards™ Credit Card

starstarstarstarhalfstar
Show Details
$0 12 billing cycles*
12.99% - 22.99% Variable* on purchases & balance transfers
N/A
question

Inclusive of 3% Transfer Fee

Apply Now

on Bank of America's
secure website

Balance Transfer Interest Over 24 Billing Cycles
Balance transfer fee, One time3.00%
Intro balance transfer, first 12 billing cycles0.00%
Ongoing Rate , after 12 billing cycles12.99% - 22.99% Variable on purchases and balance transfers
2 year effective interest payment (NerdWallet estimate based on credit worthiness)
dollarsign
N/A

*Issuers may use additional criteria to determine rate.
Account Details

  • 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 purchases everywhere, every time
  • 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery store and gas purchases each quarter.
  • Bank of America customers: Get an ongoing 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
  • No annual fee
  • No changing categories and your rewards do not expire

See complete BankAmericard Cash Rewards™ Credit Card details

We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines, and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet's official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.
  1. [2013-07-02 18:32:52] - NerdWallet says: Yup! The Chase Slate's 0% APR offer and no balance transfer fees makes it one of the best BT deals on the market.
  2. [2013-07-02 18:32:23] - NerdWallet says: Thanks, Selina! Glad we could help.
  3. [2013-06-10 20:18:52] - Selina Nina Felix says: wow that's so cool I did not know till now.
  4. [2013-04-26 11:01:50] - Bob says: Dave you should draw a check from the new Citi, deposit it in your regular checking, and then write a check to pay off your old Citi. That always worked for me.
  5. [2013-04-09 01:36:57] - NerdWallet says: Hi disappointed, I’m sorry your application was denied. You’re right, a 710 is indeed a good score – don’t doubt that. You’re also right that high balances are the likely culprit for your application’s rejection. It’s not just your credit score that’s considered in this process; your current balances, too, have some bearing on your approval, even if you pay on time and without paying any interest. More generally, your debt-to-income ratio -- credit card debt included -- is an oft-relied upon measure for your creditworthiness. The same goes for debt utilization. There's no exact science to it, but, generally, we recommend you stay under 30% of your card's credit limit. Much more than that and your lenders start to get a little nervous. Whenever you next apply for a card, make sure to pay off balances where you can. Otherwise, you may end up with another denied application. Good luck on the credit card hunt! Let us know if you have any further questions.
  6. [2013-04-01 02:58:41] - Ba Sh says: interest free loan for 15 months with 0 closing costs... cant get better than this
  7. [2013-02-07 17:22:36] - David Simmer says: Be aware too, you won't be able to transfer balances from (for example) a Chase card to another Chase card. Found this out after getting approved.
  8. [2013-01-24 03:16:23] - Emillion says: Thank you :-) Looks better now with the True Balance Transfer Cost but for some reason it does not work for 1 year. I would suggest 3 months increments instead of years.
  9. [2013-01-04 07:38:42] - Emillion says: Ranked by Introductory APR? Your algorithm should take into consideration the transfer fees and add them to the APR. 0% APR for 6 months with 3% transfer fee is about 6% APR, for example. Both Discover More and Citi Diamond have transfer fees, that would put Chase Slate on the first place with real 0% APR...
  10. [2012-10-05 15:20:20] - disappointed says: I just applied with Citi for a balance transfer hoping to get a card with lower interest rate. Citi denied it due to high balances. My mid credit score is 710. Just a warning even with good credit if you have high balances you will get denied. Very disappointing after hearing about the "help they'll give you" on a national tv show.
  11. [2012-03-08 17:12:07] - NerdWallet says: I'd advise speaking to a financial counselor, one who will give you a free and unbiased consultation on how best to manage your finances. Check out the FTC's guidelines on choosing a credit counselor for some tips: http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre26.shtm
  12. [2012-03-08 05:14:07] - Mookie says: I have 500,000 investments and 50,000 in credit card debt. what should i do short of taking money out of investments, 67 and retired
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