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 3% - 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. Use the filters below to find cards (some of which are from our partners) that may be right for you. Also, check out NerdWallet's list of the best balance transfer credit cards.

ADVERTISER DISCLOSURE

Find the best credit card for you

Card Type
Sort By

Annual fee

Network preferences

Your credit score

What's my credit score?

Balance transfer fee

Credit card issuers

More card issuers

Foreign transaction fee

No foreign transaction fee credit cards

Cash advance fee

More card types

Showing 1 - 10 of 60  Results
Nerding... Please Wait
nerding
blur
Credit Card Annual Fee Introductory APRs APRs True Balance Transfer Cost dollarsign
Chase Slate Elite Credit Card

Chase Slate®

starstarstarstarhalfstar
Show Details
$0 0% Intro APR on purchases and balance transfers for 15 months
12.99%, 17.99%, or 22.99% (V)
6.75%
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
6.75%
Account Details

  • $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.
  • Pay less interest. Save on balances and new purchases.
  • 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.
  • This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts.

See complete Chase Slate® details

Discover it Credit Card

Discover it®

starstarstarstarstar
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*
7.25%
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
7.25%
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%.
  • Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power*.
  • 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up for 5%*. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements*.
  • 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 Discover card purchases.
  • *+See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."

See complete Discover it® details

BBVA Compass Visa Signature Credit Card

BBVA Compass Visa Signature

starstarstarhalfstar
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%
8.62%
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
8.62%
Account Details

  • 1 point per $1 spent on purchases

See complete BBVA Compass Visa Signature details

Hancock Bank Visa Classic Credit Card

Hancock Bank Visa Classic

starstarstar
Show Details
$0 Purchase:
0% for 7 mos

Balance Transfer:
1.9% for 12 mos
APR:
12.99%
Cash Adv:
18.00%
8.95%
question

Inclusive of 3% Transfer Fee

Apply Now

on Hancock Bank's
secure website

thumbsupPros
  • No annual fee
  • 1.9% for 12 mos on transfers
Balance Transfer Interest Over 2 Years
Balance transfer fee, One time3.00%
Intro balance transfer, first 12 months1.90%
Ongoing Rate , after 12 months12.99%
2 year effective interest payment (NerdWallet estimate based on credit worthiness)
dollarsign
8.95%
Account Details

  • 1 point per $1 spent on purchases

See complete Hancock Bank Visa Classic details

Union Bank Platinum Edition Visa Card Credit Card

Union Bank Platinum Edition Visa Card

starstarstarhalfstar
Show Details
$0 Purchase:
0% for 12 mos

Balance Transfer:
0% for 12 mos
Min APR:
9.99%
Max APR:
17.99%
Penalty APR:
29.99%
Cash Adv:
25.24%
9.00%
question

Inclusive of 3% Transfer Fee

Apply Now

on Union Bank's
secure website

thumbsupPros
  • No annual fee
  • 0% for 12 mos on transfers
thumbsdownCons
  • No rewards
Balance Transfer Interest Over 2 Years
Balance transfer fee, One time3.00%
Intro balance transfer, first 12 months0.00%
Ongoing Rate , after 12 months14.99%
2 year effective interest payment (NerdWallet estimate based on credit worthiness)
dollarsign
9.00%
Account Details

  • No rewards offered

See complete Union Bank Platinum Edition Visa Card details

Bremer Bank Platinum Credit Card

Bremer Bank Platinum

starstarstar
Show Details
$0 Purchase:
0% for 12 mos

Balance Transfer:
0% for 12 mos
Min APR:
9.99%
Max APR:
20.99%
Cash Adv:
23.99%
9.25%
question

Inclusive of 3% Transfer Fee

Apply Now

on Bremer Bank's
secure website

thumbsupPros
  • No annual fee
  • 0% for 12 mos on transfers
thumbsdownCons
  • No rewards
Balance Transfer Interest Over 2 Years
Balance transfer fee, One time3.00%
Intro balance transfer, first 12 months0.00%
Ongoing Rate , after 12 months15.49%
2 year effective interest payment (NerdWallet estimate based on credit worthiness)
dollarsign
9.25%
Account Details

  • No rewards offered

See complete Bremer Bank Platinum details

Bank of America BankAmericard® Visa® Credit Card

BankAmericard® Visa® Card

starstarstarstarhalfstar
Show Details
$0 0%* on purchases for 15 billing cycles* and 0%* on balance transfers for 15 billing cycles for qualifying balance transfers*
10.99% - 20.99% Variable* on purchases & balance transfers
9.37%
Apply Now

on Bank of America's
secure website
Or call (800) 322-7707

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
9.37%

*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

Chase Freedom - $100 Cash Back Credit Card

Chase Freedom® - $200 Bonus

starstarstarstarstar
Show Details
$0 0% APR for 15 months on purchases and balance transfers
13.99% - 22.99% (Variable)
10.12%
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
10.12%
Account Details

  • For a limited time, earn a $200 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 October 1 — December 31, 2014 at Amazon.com, Zappos.com and select department 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® - $200 Bonus details

M&T Bank Visa Credit Card

M&T Bank Visa

starstarstar
Show Details
$0 Purchase:
None

Balance Transfer:
0% for 12 mos
Min APR:
9.24%
Max APR:
16.24%
Penalty APR:
24.99%
Cash Adv:
22.24%
10.12%
question

Inclusive of 4% Transfer Fee

Apply Now

on M&T Bank's
secure website

thumbsupPros
  • No annual fee
  • 0% for 12 mos on transfers
thumbsdownCons
  • No rewards
Balance Transfer Interest Over 2 Years
Balance transfer fee, One time4.00%
Intro balance transfer, first 12 months0.00%
Ongoing Rate , after 12 months16.24%
2 year effective interest payment (NerdWallet estimate based on credit worthiness)
dollarsign
10.12%
Account Details

  • No rewards offered

See complete M&T Bank Visa details

BBVA Compass ClearPoints Credit Card

BBVA Compass ClearPoints

starstarstarhalfstar
Show Details
$0 Purchase:
0% for 6 mos

Balance Transfer:
0% for 12 mos
Min APR:
9.24%
Max APR:
23.24%
Cash Adv:
22.24%
10.12%
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 months16.24%
2 year effective interest payment (NerdWallet estimate based on credit worthiness)
dollarsign
10.12%
Account Details

  • 1 point per $1 spent on purchases

See complete BBVA Compass ClearPoints 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
comments powered by Disqus