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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Showing 1 - 10 of 56  Results
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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

  • 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%.
  • Rated 4.8 out of 5 Stars by over 4,000 cardmembers.*
  • No annual fee, no late fee for your first late payment - APR won't go up for you paying late, no overlimit fee and no foreign transaction fee.*
  • Free FICO® Credit Score online and on monthly statements.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 when you sign up*. 1% cash back on all other purchases automatically.*
  • 100% U.S.- based customer service—anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."

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 0% on purchases and qualifying balance transfers for 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
  • 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

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

  • 0% intro APR on purchases & balance transfers for 14 months—then a variable purchase APR applies, currently 10.99 - 22.99%. A 3% fee applies to each transferred balance.
  • Rated 4.8 out of 5 stars by over 4,000 cardmembers.*
  • No annual fee, no late fee for your first late payment - APR won't go up for you paying late, no overlimit fee and no foreign transaction fee.*
  • Free FICO® Credit Score online and on monthly statements.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 when you sign up*. 1% cash back on all other purchases automatically.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • U.S.- based customer service—anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."

See complete Discover it® 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 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 July 1 and September 30, 2014 at gas stations and Kohl's®
  • 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%, or 22.99% (V)
6.71%
question

Inclusive of 0% Transfer Fee

Apply Now

on Chase's
secure website

thumbsupPros
  • No annual fee
  • 0% on purchases and balance transfers for 15 months
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 introductory balance transfer fee for transfers made during the first 60 days. After that, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5.
  • 0% Introductory APR for 15 months on purchases and balance transfers. After the introductory period ends, a variable APR of 12.99%, 17.99%, or 22.99%.
  • $0 Annual Fee
  • Best 0% Offer in "Crowning 2013's Best Credit Card Offers" (January 14, 2013) -Forbes Online

See complete Chase Slate® details

Barclays US Airways Premier World Credit Card

The US Airways® Premier World MasterCard®

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Show Details
$89 0% introductory APR for 15 months on balance transfers
15.99%, 19.99% or 24.99%* Variable
7.94%
question

Inclusive of 4% Transfer Fee

Apply Now

on Barclays's
secure website

thumbsupPros
  • 0% on balance transfers for 15 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 40,000 bonus miles after your first purchase and payment of the $89 annual fee*
  • First checked bag free on eligible bags for you and up to four companions on domestic US Airways operated flights
  • One companion certificate good for up to 2 guests to travel with you on a US Airways operated flight at $99 each, plus taxes and fees
  • Priority boarding Zone 2 on US Airways operated flights
  • Redeem miles for award travel on US Airways and American Airlines booked through usairways.com or US Airways Reservations
  • Earn miles on every purchase with 2 miles for every $1 you spend on US Airways purchases and 1 mile for every $1 on purchases everywhere else
  • Please see terms and conditions for complete details

See complete The US Airways® Premier World MasterCard® details

Bank of America BankAmericard Cash Rewards Visa Signature Credit Card

BankAmericard Cash Rewards™ Credit Card

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Show Details
$0 0% on purchases and qualifying balance transfers for 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

Citibank Dividend Platinum Select Visa Card Credit Card

Citi® Dividend Platinum Select® Visa® Card

starstarstarhalfstar
Show Details
$0* 0% Intro APR for 12 months on Balance Transfers and Purchases*
12.99%-22.99%* (Variable)
7.96%
question

Inclusive of 3% Transfer Fee

Apply Now

on Citibank's
secure website

thumbsupPros
  • No annual fee
  • 0%* on purchases and balance transfers for 12 months*
Balance Transfer Interest Over 2 Years
Balance transfer fee, One time3.00%
Intro balance transfer, first 12 months0.00%
Ongoing Rate , after 12 months12.99%-22.99% Variable
2 year effective interest payment (NerdWallet estimate based on credit worthiness)
dollarsign
7.96%
Account Details

  • Earn $100 cash back after $500 in purchases within the first 3 months of account opening
  • Earn 5% Cash Back in categories every quarter. Right now, on eligible purchases within the Hilton Portfolio, car rental agencies, movie theaters and theme parks from 7/1/14 – 9/30/14
  • Enrollment each quarter is quick and easy
  • Earn 1% cash back on all other purchases.
  • The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer. See Citi Dividend Card Reward Program Information.
  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • No Annual Fee*
  • Click Apply Now to see pricing details

See complete Citi® Dividend Platinum Select® Visa® Card details

BBVA Compass Visa Signature Credit Card

BBVA Compass Visa Signature

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Show Details
$0 Purchase:
0% for 6 mos

Balance Transfer:
0% for 12 mos
Min APR:
9.24%
Max APR:
13.24%
Cash Adv:
22.24%
8.58%
question

Inclusive of 4% Transfer Fee

Apply Now

on BBVA Compass's
secure website

thumbsupPros
  • No annual fee
  • 0% for 12 mos on transfers
Balance Transfer Interest Over 2 Years
Balance transfer fee, One time4.00%
Intro balance transfer, first 12 months0.00%
Ongoing Rate , after 12 months13.24%
2 year effective interest payment (NerdWallet estimate based on credit worthiness)
dollarsign
8.58%
Account Details

  • 1 point per $1 spent on purchases

See complete BBVA Compass Visa Signature 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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