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Balance Transfer Credit Cards
Get a card with an intro 0% APR offer and pay off your debt faster. Compare these deals, some of which are from our partners, to find the one for you.
on Discover's website, or call (800) 347-0264
on Discover's website, or call (800) 347-0264
Annual Fee
$0
Rewards Rate
1%-5%
Cashback
Intro offer
Cashback Match™
Recommended Credit Score
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: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Redeem cash back any amount, any time. Rewards never expire.
- #1 Most Trusted Credit Card according to Investor’s Business Daily.
- Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- No annual fee.
- Discover is accepted nationwide by 99% of the places that take credit cards.
- View Rates and Fees
Annual Fee
$0
Rewards Rate
1%-5%
Cashback
Intro offer
Cashback Match™
Recommended Credit Score
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: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Redeem cash back any amount, any time. Rewards never expire.
- #1 Most Trusted Credit Card according to Investor’s Business Daily.
- Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- No annual fee.
- Discover is accepted nationwide by 99% of the places that take credit cards.
- View Rates and Fees
Annual Fee
$0
Rewards Rate
1%-5%
Cashback
Intro offer
Cashback Match™
Recommended Credit Score
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: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Redeem cash back any amount, any time. Rewards never expire.
- #1 Most Trusted Credit Card according to Investor’s Business Daily.
- Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- No annual fee.
- Discover is accepted nationwide by 99% of the places that take credit cards.
- View Rates and Fees
on Bank of America's website
on Bank of America's website
Annual Fee
$0
Rewards Rate
No rewards
Intro offer
N/A
Recommended Credit Score
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 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 12.99% - 22.99% 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
- Contactless Cards - The security of a chip card, with the convenience of a tap
Annual Fee
$0
Rewards Rate
No rewards
Intro offer
N/A
Recommended Credit Score
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 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 12.99% - 22.99% 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
- Contactless Cards - The security of a chip card, with the convenience of a tap
Annual Fee
$0
Rewards Rate
No rewards
Intro offer
N/A
Recommended Credit Score
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 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 12.99% - 22.99% 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
- Contactless Cards - The security of a chip card, with the convenience of a tap
on Citibank's application
on Citibank's application
Annual Fee
$0
Rewards Rate
N/A
Intro offer
N/A
Recommended Credit Score
Pros
- No annual fee
- 0% for 18 months on transfers if you qualify
Cons
- No rewards
Pros
- No annual fee
- 0% for 18 months on transfers if you qualify
Cons
- No rewards
- 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
- The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Annual Fee
$0
Rewards Rate
N/A
Intro offer
N/A
Recommended Credit Score
Pros
- No annual fee
- 0% for 18 months on transfers if you qualify
Cons
- No rewards
Pros
- No annual fee
- 0% for 18 months on transfers if you qualify
Cons
- No rewards
- 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
- The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Annual Fee
$0
Rewards Rate
N/A
Intro offer
N/A
Recommended Credit Score
Pros
- No annual fee
- 0% for 18 months on transfers if you qualify
Cons
- No rewards
Pros
- No annual fee
- 0% for 18 months on transfers if you qualify
Cons
- No rewards
- 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
- The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
on Capital One's website
on Capital One's website
Annual Fee
$0
Rewards Rate
1.5%
Cashback
Intro offer
$200
Recommended Credit Score
Pros
- High rewards rate and no minimum redemption
- No annual fee or foreign transaction fee
- Intro APR period on Purchases
- 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
- Sign-up bonus
Cons
- Other cards have longer 0% periods
- No bonus rewards categories
- Requires good/excellent credit
- One-time $200 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; 15.49%-25.49% variable APR after that
- Pay no annual fee or foreign transaction fees
Annual Fee
$0
Rewards Rate
1.5%
Cashback
Intro offer
$200
Recommended Credit Score
Pros
- High rewards rate and no minimum redemption
- No annual fee or foreign transaction fee
- Intro APR period on Purchases
- 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
- Sign-up bonus
Cons
- Other cards have longer 0% periods
- No bonus rewards categories
- Requires good/excellent credit
- One-time $200 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; 15.49%-25.49% variable APR after that
- Pay no annual fee or foreign transaction fees
Annual Fee
$0
Rewards Rate
1.5%
Cashback
Intro offer
$200
Recommended Credit Score
Pros
- High rewards rate and no minimum redemption
- No annual fee or foreign transaction fee
- Intro APR period on Purchases
- 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
- Sign-up bonus
Cons
- Other cards have longer 0% periods
- No bonus rewards categories
- Requires good/excellent credit
- One-time $200 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; 15.49%-25.49% variable APR after that
- Pay no annual fee or foreign transaction fees
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