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Pay off your credit card debt with one of these balance transfer credit cards, some of which are from our partners. You might also want to check out NerdWallet's Best Balance Transfer Credit Cards.
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Showing 1 – 10 of 68
on Citibank's application
on Citibank's application
Annual Fee
$0
Regular APR
16.24% - 26.24% Variable APR
Intro APR
0% on Purchases for 12 months and 0% on Balance Transfers for 21 months
Balance Transfer Fee
5% of each balance transfer; $5 minimum.
Pros
- No late fee
- No annual fee
- Intro APR period on Purchases and Balance Transfers
Cons
- No rewards
Pros
- No late fee
- No annual fee
- Intro APR period on Purchases and Balance Transfers
Cons
- No rewards
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
- 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
- If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
- The standard variable APR for Citi Flex Plan is 16.24% - 26.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges.
on Bank of America's website, or call (800) 322-7707
on Bank of America's website, or call (800) 322-7707
Annual Fee
$0
Regular APR
14.49% - 24.49% Variable APR
Intro APR
0% on Purchases for 18 billing cycles and 0% on Balance Transfers for 18 billing cycles for balance transfers made in the first 60 days
Balance Transfer Fee
Either $10 or 3% of the amount of each transaction, whichever is greater.
Pros
- No annual fee
- Intro APR period on Purchases and Balance Transfers
Cons
- No rewards
Pros
- No annual fee
- Intro APR period on Purchases and Balance Transfers
Cons
- No rewards
- 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.49% - 24.49% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
- No annual fee
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply
- Access your FICO® Score for free within Online Banking or your Mobile Banking app
on Citibank's application
on Citibank's application
Annual Fee
$0
Regular APR
15.49% - 25.49% Variable APR
Intro APR
0% on Balance Transfers for 18 months
Balance Transfer Fee
3% of each balance transfer; $5 minimum.
Pros
- High rewards rate
- No annual fee
- Intro APR period on Balance Transfers
Cons
- No sign-up bonus
- No 0% APR for purchases
- $25 minimum redemption
Pros
- High rewards rate
- No annual fee
- Intro APR period on Balance Transfers
Cons
- No sign-up bonus
- No 0% APR for purchases
- $25 minimum redemption
- Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- To earn cash back, pay at least the minimum due on time.
- Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% – 25.49%, based on your creditworthiness.
- Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
- Balance Transfers do not earn cash back.
- The standard variable APR for Citi Flex Plan is 15.49% – 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
on Discover's website, or call (800) 347-0264
on Discover's website, or call (800) 347-0264
Annual Fee
$0
Regular APR
13.49% - 24.49% Variable APR
Intro APR
0% on Purchases for 6 months and 0% on Balance Transfers for 18 months
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Pros
- Bonus cash back categories
- No annual fee
- Intro APR period on Purchases and Balance Transfers
- No foreign transaction fee
Cons
- Slightly less merchant acceptance for Discover in US - acceptance outside of US can be an issue
- If you value simplicity, a flat rate cash back card may be better
Pros
- Bonus cash back categories
- No annual fee
- Intro APR period on Purchases and Balance Transfers
- No foreign transaction fee
Cons
- Slightly less merchant acceptance for Discover in US - acceptance outside of US can be an issue
- If you value simplicity, a flat rate cash back card may be better
- INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
- Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Redeem cash back any amount, any time. Rewards never expire.
- 100% U.S. based customer service.
- Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- No annual fee.
- View Rates and Fees
on HSBC's website
on HSBC's website
Annual Fee
$0
Regular APR
12.49% - 20.49%, Variable
Intro APR
0% Introductory APR on credit card purchases and balance transfers for the first 18 months from account opening.
Balance Transfer Fee
4%
Pros
- No annual fee
- 0% Introductory APR on credit card purchases and balance transfers for the first 18 months from account opening, then a variable APR of 12.49% - 20.49% will apply
- No foreign transaction fee
Cons
- No rewards
Pros
- No annual fee
- 0% Introductory APR on credit card purchases and balance transfers for the first 18 months from account opening, then a variable APR of 12.49% - 20.49% will apply
- No foreign transaction fee
Cons
- No rewards
- 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.49% - 20.49% will apply.
- No Penalty APR.
- Late Fee Waiver.
- No Foreign Transaction Fees.
- $0 Annual Fee.
- $0 liability for unauthorized purchases.
- Terms Apply.
- View Rates and Fees
on US Bank's website
on US Bank's website
Annual Fee
$0
Regular APR
13.99% - 24.99% Variable APR
Intro APR
0%* on purchases and balance transfers for 18 billing cycles*
Balance Transfer Fee
3%
Pros
- No annual fee
- Intro APR period on Purchases and Balance Transfers
Cons
- No rewards
Pros
- No annual fee
- Intro APR period on Purchases and Balance Transfers
Cons
- No rewards
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 13.99% - 24.99%
- Great offer from U.S. Bank, a 2019 World's Most Ethical Company® - Ethisphere Institute, February 2019
- No Annual Fee*
- Flexibility to choose a payment due date that fits your schedule
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
- View Rates and Fees
on American Express's website
on American Express's website
Annual Fee
$0
Regular APR
14.49% - 25.49% Variable APR
Intro APR
0% on Purchases and Balance Transfers for 15 months
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
Pros
- No annual fee
- Bonus offer for new cardholders
- Intro APR period on Purchases and Balance Transfers
Cons
- American Express isn't accepted at as many merchants as Visa or Mastercard
Pros
- No annual fee
- Bonus offer for new cardholders
- Intro APR period on Purchases and Balance Transfers
Cons
- American Express isn't accepted at as many merchants as Visa or Mastercard
- Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
- Unlimited 1.5% Cash Back on your purchases.
- Cash Back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
- Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
- 0% introductory plan fee for plans set up during your first 15 months of Card Membership with Plan It®, a feature that lets you split up big purchases into monthly payments with a fixed fee.
- Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
- No Annual Fee.
- Terms Apply.
- View Rates and Fees
Annual Fee
$0
Regular APR
14.49% - 25.49% Variable APR
Intro APR
0% Intro on Purchases and Balance Transfers for 15 months
Balance Transfer Fee
$0
Pros
- Decent rewards rate
- No annual fee
- $0 balance transfer fee for 60 days
Cons
- Foreign transaction fee
Pros
- Decent rewards rate
- No annual fee
- $0 balance transfer fee for 60 days
Cons
- Foreign transaction fee
- Earn 20% Extra Points - Use your Card 20 or more times on purchases in a billing period and get 20% more points on those purchases less returns and credits.
- 2X Points at U.S. supermarkets on up to $6,000 per year in purchases (then 1X).
- Earn 10,000 Membership Rewards® Points after you spend $1,000 in qualifying purchases on the Card within your first 3 months of Card Membership.
- $0 Balance Transfer Fee.¤ Balance transfers must be requested within 60 days of account opening.
- 0% intro APR on purchases and balance transfers for 15 months, then a variable APR, 14.49% to 25.49%.
- No Annual Fee.
- Terms Apply.
- View Rates and Fees
on American Express's website, or call (866) 512-6673
on American Express's website, or call (866) 512-6673
Annual Fee
$0
Regular APR
14.49% - 25.49% Variable APR
Intro APR
0% on Purchases and Balance Transfers for 15 months
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
Pros
- Bonus rewards at U.S. supermarkets and U.S. gas stations
- No annual fee
- Bonus offer for new cardholders
- Intro APR period on Purchases and Balance Transfers
Cons
- American Express isn't accepted at as many merchants as Visa or Mastercard
- Requires good/excellent credit
- $25 minimum redemption
Pros
- Bonus rewards at U.S. supermarkets and U.S. gas stations
- No annual fee
- Bonus offer for new cardholders
- Intro APR period on Purchases and Balance Transfers
Cons
- American Express isn't accepted at as many merchants as Visa or Mastercard
- Requires good/excellent credit
- $25 minimum redemption
- Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
- 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
- 2% Cash Back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
- Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
- Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
- Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
- No annual fee.
- Terms Apply.
- View Rates and Fees
on Capital One's website
on Capital One's website
Annual Fee
$0
Regular APR
15.74% - 25.74% Variable APR
Intro APR
0% on Purchases and Balance Transfers for 15 months
Balance Transfer Fee
3%
Pros
- High rewards rate and no minimum redemption
- No annual fee or foreign transaction fee
- Intro APR period on Purchases and Balance Transfers
- Sign-up bonus
Cons
- Other cards have longer 0% periods
- No bonus rewards categories
- Requires good/excellent credit
Pros
- High rewards rate and no minimum redemption
- No annual fee or foreign transaction fee
- Intro APR period on Purchases and Balance Transfers
- Sign-up bonus
Cons
- Other cards have longer 0% periods
- No bonus rewards categories
- Requires good/excellent credit
- One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases for 15 months; 15.74%-25.74% variable APR after that
- 0% intro APR on balance transfers for 15 months; 15.74%-25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- Pay no annual fee or foreign transaction fees
See if you qualify for a better offer with Capital One:
