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.

Use the right tools for the job

Credit card debt stings. The good news, however, is there’s a way to pay it down with less money in a shorter time. How? By moving your debt to a balance transfer card, which is a credit card that offers a lengthy 0% interest period. Unlike an everyday credit card (which charges interest on balances you carry from month to month), balance transfer cards give you time to pay down debt while preventing interest charges from stacking up.

Take advantage of introductory 0% APRs

When you’re paying down debt, interest rates matter – a lot. For example, compare the differences between paying down a $10,000 debt on an 18% APR card and a 0% balance transfer card. Using the balance transfer card could save you around $1,431, even after paying a transfer fee of $300. Want to save even more? Sign up for a card that doesn’t charge a transfer fee. As a heads up, the amount you may qualify to transfer and save depends on a variety of factors including your credit worthiness.
A balance transfer card can save over $1,000
chartchart
Total savings:
Financial savings:
$1,431
Pay off debt faster by:
3months

A few of our favorite cards

[object Object] card art

on Citibank's application

Great for: Flat Rate Cash Back
Securely with Citibank
  • 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 Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
See card details
  • 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.
See card details

Balance Transfer Fee

Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).

Intro APR

0% intro APR on Balance Transfers for 18 months

Ongoing APR

18.24%-28.24% Variable APR

Intro Balance Transfer APR Period

18 Months

Annual Fee

$0

Recommended Credit Score

690 - 850

Good - Excellent
See NerdWallet's pros & cons
[object Object] card art

on US Bank's website

Great for: Long 0% Intro APR period
Securely with US Bank
  • 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 18.74% - 28.74%.
  • 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.
  • Choose a payment due date that fits your schedule
  • No Annual Fee
  • Terms and conditions apply.
  • View Rates and Fees
See card details
  • 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 18.74% - 28.74%.
  • 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.
See card details

Balance Transfer Fee

Either 3% of the amount of each transfer or $5 minimum, whichever is greater.

Intro APR

0% intro APR for 18 billing cycles on purchases and balance transfers

Ongoing APR

18.74%-28.74% Variable APR

Intro Balance Transfer APR Period

18 Months

Annual Fee

$0

Recommended Credit Score

690 - 850

Good - Excellent
See NerdWallet's pros & cons
VIEW RATES AND FEES
[object Object] card art

on Citibank's application

Great for: Long 0% interest periods for balance transfers
Securely with Citibank
  • 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 17.24% - 27.99%, 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
  • 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.
See card details
  • 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 17.24% - 27.99%, 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
See card details

Balance Transfer Fee

5% of each balance transfer; $5 minimum.

Intro APR

0% Intro APR for 21 months on Balance Transfers and 12 months on Purchases

Ongoing APR

17.24%-27.99% Variable APR

Intro Balance Transfer APR Period

21 Months

Annual Fee

$0

Recommended Credit Score

690 - 850

Good - Excellent
See NerdWallet's pros & cons
[object Object] card art

on Bank of America's website, or call (800) 322-7707

Great for: Cost-Effective Balance Transfer
Securely with Bank of America
  • New longer intro period! 0% Introductory APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% 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.
See card details
  • New longer intro period! 0% Introductory APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • No annual fee.
See card details

Balance Transfer Fee

Either $10 or 3% of the amount of each transaction, whichever is greater.

Intro APR

0% intro APR on Purchases for 21 billing cycles and 0% intro APR on Balance Transfers for 21 billing cycles for any balance transfers made in the first 60 days

Ongoing APR

16.24%-26.24% Variable APR

Intro Balance Transfer APR Period

21 billing cycles

Annual Fee

$0

Recommended Credit Score

690 - 850

Good - Excellent
See NerdWallet's pros & cons
[object Object] card art

on Citibank's application

Great for: Longest 0% APR Period
Securely with Citibank
  • 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 18.24% - 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is an introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for balance transfers completed within 4 months of account opening.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges.
See card details
  • 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 18.24% - 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
See card details

Balance Transfer Fee

3% of each transfer (minimum $5) completed within the first 4 months of account opening, then 5% of each balance transfer; $5 minimum.

Intro APR

0% Intro APR for 21 months on Balance Transfers and 12 months on Purchases

Ongoing APR

18.24%-28.99% Variable APR

Intro Balance Transfer APR Period

21 Months

Annual Fee

$0

Recommended Credit Score

690 - 850

Good - Excellent
See NerdWallet's pros & cons
[object Object] card art

on American Express' website

Great for: Everyday Spending
Securely with American Express
  • Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 18.24% to 29.24%
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Get $7 back each month after using your Blue Cash Preferred Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
  • Terms Apply.
  • View Rates and Fees
See card details
  • Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
See card details

Balance Transfer Fee

Either $5 or 3% of the amount of each transfer, whichever is greater.

Intro APR

0% intro APR for 12 months on purchases and balance transfers

Ongoing APR

18.24%-29.24% Variable APR

Intro Balance Transfer APR Period

N/A

Annual Fee

$0 intro annual fee for the first year, then $95.

Recommended Credit Score

690 - 850

Good - Excellent
See NerdWallet's pros & cons
VIEW RATES AND FEES
[object Object] card art

on Discover's website

Great for: Balance Transfers and Bonus Categories
Securely with Discover
  • 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, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • 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.
  • View Rates and Fees
See card details
  • 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, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
See card details

Balance Transfer Fee

3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Intro APR

0% intro APR on Purchases for 6 months and 0% intro APR on Balance Transfers for 18 months

Ongoing APR

16.24%-27.24% Variable APR

Intro Balance Transfer APR Period

18 Months

Annual Fee

$0

Recommended Credit Score

690 - 850

Good - Excellent
See NerdWallet's pros & cons
VIEW RATES AND FEES
[object Object] card art

on Wells Fargo's website

Securely with Wells Fargo
  • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.24%, 24.24%, or 29.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
  • $0 annual fee
  • No categories to track or remember and cash rewards don't expire as long as your account remains open
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
  • Select "Apply Now" to learn more about the product features, terms and conditions
  • View Rates and Fees
See card details
  • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
See card details

Balance Transfer Fee

3% for 120 days from account opening, then up to 5%; min: $5

Intro APR

0% intro APR on Purchases for 15 months and 0% intro APR on Balance Transfers 15 months from account opening on qualifying balance transfers

Ongoing APR

19.24%, 24.24%, or 29.24% Variable APR

Intro Balance Transfer APR Period

15 Months

Annual Fee

$0

Recommended Credit Score

690 - 850

Good - Excellent
See NerdWallet's pros & cons
VIEW RATES AND FEES
[object Object] card art

on Citibank's application

Securely with Citibank
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash℠ Card account per person.
See card details
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness.
See card details

Balance Transfer Fee

Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.

Intro APR

0% intro APR on Purchases and Balance Transfers for 15 months

Ongoing APR

18.24%-28.24% Variable APR

Intro Balance Transfer APR Period

15 Months

Annual Fee

$0

Recommended Credit Score

690 - 850

Good - Excellent
See NerdWallet's pros & cons