ADVERTISEMENT: Products from our partners
Get out of debt faster while paying less.
Learn how you can save big
by using a balance transfer card.
by using a balance transfer card.
Use the right tools for the job
Take advantage of introductory 0% APRs
A balance transfer card can save over $1,000
Total savings:
Financial savings:
$1,431
Pay off debt faster by:
3months
A few of our favorite cards
Best for long 0% intro APR period:
Citi Simplicity® Card
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
- Intro APR period
Cons
- No rewards
- No new cardholder bonus offer
- Requires good/excellent credit
Pros
- No annual fee
- Intro APR period
Cons
- No rewards
- No new cardholder bonus offer
- Requires good/excellent credit
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 16.99% - 26.99%, 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 5% of the amount of each transfer, whichever is greater.
- Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges.
Annual fee
$0
Rewards rate
N/A
Intro offer
N/A
Recommended Credit Score
Pros
- No annual fee
- Intro APR period
Cons
- No rewards
- No new cardholder bonus offer
- Requires good/excellent credit
Pros
- No annual fee
- Intro APR period
Cons
- No rewards
- No new cardholder bonus offer
- Requires good/excellent credit
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 16.99% - 26.99%, 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 5% of the amount of each transfer, whichever is greater.
- Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges.
Annual fee
$0
Rewards rate
N/A
Intro offer
N/A
Recommended Credit Score
Pros
- No annual fee
- Intro APR period
Cons
- No rewards
- No new cardholder bonus offer
- Requires good/excellent credit
Pros
- No annual fee
- Intro APR period
Cons
- No rewards
- No new cardholder bonus offer
- Requires good/excellent credit
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 16.99% - 26.99%, 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 5% of the amount of each transfer, whichever is greater.
- Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges.
Best sign-up bonus:
Discover it® Balance Transfer
on Discover's website
on Discover's website
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
Cashback Match™
Recommended Credit Score
Pros
- No annual fee
- Intro APR period
- Bonus categories
- Cash rewards
Cons
- Complicated rewards
- Spending caps on bonus rewards
- Lower acceptance abroad
Pros
- No annual fee
- Intro APR period
- Bonus categories
- Cash rewards
Cons
- Complicated rewards
- Spending caps on bonus rewards
- Lower acceptance abroad
- 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.
- NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
- Every $1 you earn in cash back is $1 you can redeem.
- No annual fee.
- Click "Apply Now" to see terms and conditions.
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
Cashback Match™
Recommended Credit Score
Pros
- No annual fee
- Intro APR period
- Bonus categories
- Cash rewards
Cons
- Complicated rewards
- Spending caps on bonus rewards
- Lower acceptance abroad
Pros
- No annual fee
- Intro APR period
- Bonus categories
- Cash rewards
Cons
- Complicated rewards
- Spending caps on bonus rewards
- Lower acceptance abroad
- 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.
- NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
- Every $1 you earn in cash back is $1 you can redeem.
- No annual fee.
- Click "Apply Now" to see terms and conditions.
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
Cashback Match™
Recommended Credit Score
Pros
- No annual fee
- Intro APR period
- Bonus categories
- Cash rewards
Cons
- Complicated rewards
- Spending caps on bonus rewards
- Lower acceptance abroad
Pros
- No annual fee
- Intro APR period
- Bonus categories
- Cash rewards
Cons
- Complicated rewards
- Spending caps on bonus rewards
- Lower acceptance abroad
- 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.
- NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
- Every $1 you earn in cash back is $1 you can redeem.
- No annual fee.
- Click "Apply Now" to see terms and conditions.
Best for cost effectiveness:
BankAmericard® credit card
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
Rewards rate
No rewards
Intro offer
$100
Recommended Credit Score
Pros
- No annual fee
- Intro APR period
- New cardholder bonus offer
Cons
- Requires good/excellent credit
- No ongoing rewards
Pros
- No annual fee
- Intro APR period
- New cardholder bonus offer
Cons
- Requires good/excellent credit
- No ongoing rewards
- $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening.
- 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, 15.24% - 25.24% 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.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Annual fee
$0
Rewards rate
No rewards
Intro offer
$100
Recommended Credit Score
Pros
- No annual fee
- Intro APR period
- New cardholder bonus offer
Cons
- Requires good/excellent credit
- No ongoing rewards
Pros
- No annual fee
- Intro APR period
- New cardholder bonus offer
Cons
- Requires good/excellent credit
- No ongoing rewards
- $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening.
- 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, 15.24% - 25.24% 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.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Annual fee
$0
Rewards rate
No rewards
Intro offer
$100
Recommended Credit Score
Pros
- No annual fee
- Intro APR period
- New cardholder bonus offer
Cons
- Requires good/excellent credit
- No ongoing rewards
Pros
- No annual fee
- Intro APR period
- New cardholder bonus offer
Cons
- Requires good/excellent credit
- No ongoing rewards
- $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening.
- 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, 15.24% - 25.24% 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.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Want to see more cards? See our entire lineup of balance transfer cards from 2018.
Updated --.
Updated --.