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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
Regular APR
13.49% - 24.49% Variable APR
Intro APR
0% on Purchases for 6 months and 0% on Balance Transfers for 18 months
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: 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
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
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: 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
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
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: 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 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
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 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
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
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 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
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
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 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
15.24% - 25.24% Variable APR
Intro APR
0% on balance transfers for 21 months
Recommended Credit Score
Pros
- No annual fee
- 0% for 21 months on transfers if you qualify
Cons
- No rewards
Pros
- No annual fee
- 0% for 21 months on transfers if you qualify
Cons
- No rewards
- 0% Intro APR on balance transfers for 21 months from date of first transfer. After that, the variable APR will be 15.24% - 25.24%, based on your creditworthiness. All transfers must be completed in first 4 months.
- 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.24% - 25.24%, 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 balance, are paid in full.
- There is a balance transfer fee of either $5 or 5% 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 15.24% - 25.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Annual Fee
$0
Regular APR
15.24% - 25.24% Variable APR
Intro APR
0% on balance transfers for 21 months
Recommended Credit Score
Pros
- No annual fee
- 0% for 21 months on transfers if you qualify
Cons
- No rewards
Pros
- No annual fee
- 0% for 21 months on transfers if you qualify
Cons
- No rewards
- 0% Intro APR on balance transfers for 21 months from date of first transfer. After that, the variable APR will be 15.24% - 25.24%, based on your creditworthiness. All transfers must be completed in first 4 months.
- 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.24% - 25.24%, 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 balance, are paid in full.
- There is a balance transfer fee of either $5 or 5% 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 15.24% - 25.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Annual Fee
$0
Regular APR
15.24% - 25.24% Variable APR
Intro APR
0% on balance transfers for 21 months
Recommended Credit Score
Pros
- No annual fee
- 0% for 21 months on transfers if you qualify
Cons
- No rewards
Pros
- No annual fee
- 0% for 21 months on transfers if you qualify
Cons
- No rewards
- 0% Intro APR on balance transfers for 21 months from date of first transfer. After that, the variable APR will be 15.24% - 25.24%, based on your creditworthiness. All transfers must be completed in first 4 months.
- 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.24% - 25.24%, 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 balance, are paid in full.
- There is a balance transfer fee of either $5 or 5% 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 15.24% - 25.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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
Recommended Credit Score
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.
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
Recommended Credit Score
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.
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
Recommended Credit Score
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 HSBC's website
on HSBC's website
Annual Fee
$0
Regular APR
14.49% - 24.49%, Variable
Intro APR
0% Introductory APR on credit card purchases and balance transfers for the first 18 months from account opening.
Recommended Credit Score
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 14.49% - 24.49% 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 14.49% - 24.49% 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 14.49% - 24.49% 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
Annual Fee
$0
Regular APR
14.49% - 24.49%, Variable
Intro APR
0% Introductory APR on credit card purchases and balance transfers for the first 18 months from account opening.
Recommended Credit Score
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 14.49% - 24.49% 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 14.49% - 24.49% 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 14.49% - 24.49% 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
Annual Fee
$0
Regular APR
14.49% - 24.49%, Variable
Intro APR
0% Introductory APR on credit card purchases and balance transfers for the first 18 months from account opening.
Recommended Credit Score
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 14.49% - 24.49% 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 14.49% - 24.49% 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 14.49% - 24.49% 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 Capital One's website
on Capital One's website
Annual Fee
$0
Regular APR
15.49% - 25.49% Variable APR
Intro APR
0% on Purchases and Balance Transfers for 15 months
Recommended Credit Score
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; 15.49%-25.49% variable APR after that
- 0% intro APR on balance transfers for 15 months; 15.49%-25.49% 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:
Annual Fee
$0
Regular APR
15.49% - 25.49% Variable APR
Intro APR
0% on Purchases and Balance Transfers for 15 months
Recommended Credit Score
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; 15.49%-25.49% variable APR after that
- 0% intro APR on balance transfers for 15 months; 15.49%-25.49% 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:
Annual Fee
$0
Regular APR
15.49% - 25.49% Variable APR
Intro APR
0% on Purchases and Balance Transfers for 15 months
Recommended Credit Score
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; 15.49%-25.49% variable APR after that
- 0% intro APR on balance transfers for 15 months; 15.49%-25.49% 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:
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