Balance Transfer Credit Cards

Pay off your credit card debt with one of these balance transfer credit cards, some of which are from our partners. The longer the 0% balance transfer APR period, the more you'll save.

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Showing 1 - 10 of 55  Results
Credit Card Annual Fee Introductory APRs APRs True Balance Transfer Cost dollarsign
Chase Slate Elite Credit Card

Chase Slate(R)

Show Details
$0 0% Intro APR for 15 months on purchases and balance transfers
12.99% - 22.99% Variable
6.75%
question

Inclusive of 0% Transfer Fee

Apply Now

on Chase's
secure website

thumbsupPros
  • No annual fee
  • 0% Intro APR for 15 months on purchases and balance transfers
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

  • Chase Slate named "Best Credit Card for Balance Transfers" two years in a row by Money Magazine
  • $0 Introductory balance transfer fee for transfers made during the first 60 days
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • NEW Free Monthly FICO(R) Score and Credit Dashboard
  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee

See complete Chase Slate(R) details

Discover it Credit Card

Discover it®-Double cash back your first year

Show Details
$0 0% on purchases for 6 months and 0% on balance transfers for 18 months
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

  • Double all the cash back you've earned at the end of your first year automatically - only for new cardmembers*
  • 5% cash back in categories that change each quarter like gas, restaurants, Amazon.com and more -up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • 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.
  • New Freeze it℠ on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • Free FICO® Credit Score on statements, online & by mobile app.* And 100% U.S.-based service any time.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICO® Credit Score terms & other info by clicking “Apply.”

See complete Discover it®-Double cash back your first year details

BBVA Compass Visa Signature Credit Card

BBVA Compass Visa Signature

Show Details
$0 Purchase
0% for 6 mos
Transfer
0% for 12 mos
9.24%-13.24% Variable
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

Show Details
$0 Purchase
0% for 7 mos
Transfer
1.9% for 12 mos
12.99% Variable
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

Show Details
$0 Purchase
0% for 12 mos
Transfer
0% for 12 mos
9.99%-17.99% Variable
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

Show Details
$0 Purchase
0% for 12 mos
Transfer
0% for 12 mos
9.99%-20.99% Variable
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

American Express Blue Cash Everyday Credit Card

Blue Cash Everyday® Card from American Express

Show Details
$0 0% on purchases and balance transfers for 15 months
12.99%-21.99% Variable
9.75%
question

Inclusive of 3% Transfer Fee

Apply Now

on American Express's
secure website

thumbsupPros
  • No annual fee
  • 0% for 15 mos on transfers
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
9.75%
Account Details

  • Get $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.
  • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
  • Earn Cash Back: 3% U.S. supermarkets up to $6,000 per year in purchases, 2% U.S. gas stations & select U.S. dept stores, 1% other purchases. Terms and limitations apply.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • No annual fee. Plus, 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

American Express Blue Cash Preferred Credit Card

Blue Cash Preferred® Card from American Express

Show Details
$75 0% on purchases and balance transfers for 15 months
12.99%-21.99% Variable
9.75%
question

Inclusive of 3% Transfer Fee

Apply Now

on American Express's
secure website

thumbsupPros
  • 0% for 15 mos on transfers
thumbsdownCons
  • Has annual fee
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
9.75%
Account Details

  • Get $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $150 back in the form of a statement credit.
  • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
  • Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% 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 limitations apply.

See complete Blue Cash Preferred® Card from American Express details

American Express Amex EveryDay Credit Card

The Amex EveryDay® Credit Card from American Express

Show Details
$0 Purchase
0% for 15 mos
Transfer
0% for 15 mos
12.99%-21.99% Variable
9.75%
question

Inclusive of 3% Transfer Fee

Apply Now

on American Express's
secure website

thumbsupPros
  • No annual fee
  • 0% for 15 mos on transfers
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
9.75%
Account Details

  • Earn 10,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • Earn 20% more points: Make 20 or more purchases with your Card in a billing period and get 20% extra points on those purchases less returns and credits. Terms and limitations apply.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.
  • No annual fee. Plus, 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 limitations apply.

See complete The Amex EveryDay® Credit Card from American Express details

Chase Freedom Credit Card

Chase Freedom(R)

Show Details
$0 0% for 15 Months on purchases and 0% Intro APR for 15 months on 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% for 15 Months on purchases and 0% Intro APR for 15 months on balance transfers
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

  • Named a Best Card for Cash Back by MONEY(R) Magazine
  • 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%
  • Unlimited 1% Cash Back on every purchase
  • 5% Total Cash Back on up to $1,500 in combined purchases in bonus categories each quarter
  • 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!
  • No annual fee and rewards never expire as long as your account is open

See complete Chase Freedom(R) 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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