Credit Cards -> Balance Transfer Cards
Balance Transfer Credit Cards
Balance transfer credit cards are designed to allow consumers to transfer a higher interest credit card balance onto a credit card with a lower interest rate, which can help save money in finance charges.
When you transfer a balance to a card with a low introductory APR of 0%, the APR will typically stay at this 0% interest level for a specified period of time (assuming you make all your card payments on time), potentially saving you hundreds or even thousands of dollars in interest charges when you compare cards side by side.
At CreditCardAssist.com, we have provided a variety of tips, advice and free information to help guide you in your search to find the top balance transfer card offers available.
We have listed a variety of the very best balance transfer cards available below.
When you transfer a balance to a card with a low introductory APR of 0%, the APR will typically stay at this 0% interest level for a specified period of time (assuming you make all your card payments on time), potentially saving you hundreds or even thousands of dollars in interest charges when you compare cards side by side.
At CreditCardAssist.com, we have provided a variety of tips, advice and free information to help guide you in your search to find the top balance transfer card offers available.
We have listed a variety of the very best balance transfer cards available below.
Editor’s Pick
Citi® Platinum Select® MasterCard®
- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.*
- Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
- Citi® Identity Theft Solutions
- No annual fee*
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Transfers
Credit Needed
0%*
18 Months*
11.99% - 21.99%* (Variable)
None*
Yes*
Excellent Credit*
Editor's Review: Some of the best attributes about the Citi® Platinum Select® MasterCard® are the balance transfer features. The 0% intro APR is good for 18 months on balance transfers and purchases. This is a nice added feature for those who anticipate a need for a low ongoing APR for upcoming purchases throughout the year ...more info
Capital One® Platinum Prestige Credit Card
- 0% Intro APR Until June 2013 on Balance Transfers
- 0% Intro APR Until June 2013 on Purchases
- No Annual Fee
- $0 Fraud Liability if Your Card is Lost or Stolen
- 24-Hour Travel & Emergency Assistance Gives You a Replacement Card and Cash Advance
- 24-Hour Roadside Assistance
- Pick An Image For Your Card - Choose The One Shown Here, Any Of The Hundreds In Our Collection, Or Add Your Own
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Transfers
Credit Needed
0% on Purchases, Balance Transfers*
Until June 2013*
10.9% - 18.9% (V)*
None*
Yes*
Excellent Credit*
Editor's Review: The Capital One® Platinum Prestige Credit Card has absolutely no annual fee, excellent card-member perks and protections, and can be customized to fit your personal style. ...more info
Slate® from Chase - No Balance Transfer Fee
- No Balance Transfer Fee!*
- 0% Intro APR for 15 months on purchases and balance transfers
- Transfer your higher rate balances during the first 30 days your account is open and you will pay no balance transfer fee! After that, the balance transfer fee is 3% of the amount transferred with a minimum of $5
- Avoid interest on everyday purchases
- Pay down your balance faster
- Zero liability on unauthorized purchases*
- No Annual Fee*
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Transfers
Credit Needed
0%*
Up to 15 Months*
11.99% - 21.99% (Variable)*
$0*
Yes*
Excellent Credit*
Editor's Review: The Slate® from Chase - No Balance Transfer Fee credit card features an introductory 0% APR for up to 15 months with no balance transfer fee for the first thirty days of opening the account ...more info
Citi® Diamond Preferred® Card
- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based upon your creditworthiness.*
- 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more
- Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass®.
- Exciting deals and savings for great brands through Citi Specials
- $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
- No annual fee*
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Transfers
Credit Needed
0% on Purchases, Balance Transfers*
18 Months*
11.99 - 21.99% (Variable)*
None*
Yes*
Good Credit*
Editor's Review: The Citi® Diamond Preferred® Card has no annual fee, and it has a reasonable interest rate for purchases and balance transfers. In addition, the card has a 0% introductory rate on balance transfers and purchases for 18 months ...more info
Discover® More® Card
- 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S. based Account Manager within 60 seconds
- $0 Fraud Liability plus automatic mobile and email fraud alerts
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Transfers
Credit Needed
0% on Balance Transfers, Purchases*
15 Months
10.99% - 20.99% (Variable)*
None*
Yes*
Excellent Credit*
Editor's Review: The Discover® More® credit card offers cardholders a cash back rebate on purchases of up to 1%, and an attractive 0% APR on purchases and balance transfers for a full 15 months, a very attractive feature that establishes it as one of the best balance transfer offers currently available in the marketplace ...more info
Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back
- $100 cash back after $500 in purchases within the first 3 months of account opening
- 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*. This APR will vary with the market based on the Prime Rate.
- 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment. Each quarter, you can enroll to earn additional cash back in popular categories. To learn more, visit dividend.quarterlyoffer.citi.com.
- Full 1% cash back on all other purchases and eligible cash advances.
- No annual fee*
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Transfers
Credit Needed
0% on Balance Transfers, Purchases*
12 Months*
12.99% - 22.99%* (Variable)
None*
Yes*
Good Credit*
Editor's Review: The Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back is designed primarily as a cash back credit card for people with good credit. The card also features a 0% APR on both purchases and balance transfers for the first 12 months*. ...more info
Discover® More Card
- 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S. based Account Manager within 60 seconds
- $0 Fraud Liability plus automatic mobile and email fraud alerts
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Transfers
Credit Needed
0%*
6 Months on Purchases, 18 Months on Balance Transfers*
10.99% - 20.99% (Variable)*
None*
Yes*
Excellent*
Editor's Review: This Discover® More® Card is a cash rewards card that comes with one of the most attractive balance transfer features available for NEW card customers only: an 18-month 0% Introductory APR on balance transfers. ...more info
Discover® Motiva Card
- Earn Cashback Bonus for your good credit management
- 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S. based Account Manager within 60 seconds
- $0 Fraud Liability plus automatic mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Transfers
Credit Needed
0% on Purchases, Balance Transfers*
15 Months or 12 Months*
10.99% - 20.99% (Variable)*
No*
Yes*
Excellent Credit*
Editor's Review: The Discover® Motiva(SM) is a credit card that sends rewards your way for making on-time payments and purchases on your card. The card provides an introductory rate of 0% for 15 months on balance transfers and 12 months on purchases. The card uses a percentage cash reward system that increases with the amount of purchases you make on the card. The more you spend, the higher the percentage rebate is that you receive back. ...more info
Chase Freedom® Visa - $100 Bonus Cash Back
- Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
- 0% Intro APR for 12 months on balance transfers and 6 months on purchases
- 5% Cash Back on up to $1,500 spent at grocery stores and movie theaters from 4/1/12 - 6/30/12
- You'll enjoy new 5% categories every 3 months like gas stations, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
- Unlimited 1% Cash Back on all other purchases
- Up to an additional 10% Cash Back when you shop online at select merchants through Chase
- No annual fee and rewards never expire
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Transfers
Credit Needed
0%*
12 Months on Balance Transfers
11.99% - 22.99% (Variable*)
None*
Yes*
Excellent*
Editor's Review: The Chase Freedom(SM) Visa - $100 Bonus Cash Back card from Chase is designed for those who have excellent credit who are looking for a great cash back rewards program ...more info
Featured Blog Content
Are Those Sexy Balance Transfers Still a Good Idea?
Are you sitting on a large amount of credit card debt? Is the interest rate enormously high? If the answer is yes, then you've probably thought of transferring your debt to a different credit card with zero interest for a set amount of time. While the experts have different opinions on transfer introductory rates, most ...read moreBest Balance Transfer Credit Cards - Reviews
If you carry large monthly card balances, this type of card offer is a great way to save money right away and long term especially if you don't switch credit cards often and are looking for one main card to use for the long term.
When you search and compare cards you should start by asking the following questions:
When you search and compare cards you should start by asking the following questions:
- When will the intro rate on the balance transfers credit card offers expire?
- Does an annual fee apply for the card?
- Will the introductory rate apply to the initial transfer only? Or will it apply to all transfers made over the introductory period?
- Will the introductory rate apply to purchases as well?
- What is the credit card balance transfer interest rate (APR) after the introductory rate ends?
- Are there any applicable transaction fees?
Some credit card issuers will charge expensive transaction fees on balance transfers. Be sure to investigate any applicable fees upfront. You don't want to get surprised with a 3% or 4% transaction fee after the fact. Keep in mind that balance transfer credit card offers are most suitable for individuals with good to excellent credit. Not everyone will qualify for the low "teaser" rate being offered on the card. Be sure to know what introductory rate will apply before you make the initial transfer. So, be sure to thoroughly read the terms and conditions of each specific card offer that you are considering.
Looking for more articles and free information on balance transfer credit cards? We've provided more articles, tips, advice and resources on balance transfer offers below:
- Basics of Balance Transfers - When completing a balance transfer, the outstanding debt (balance) owed on the cardholder's old credit card is transferred to a new credit card with a lower interest rate, and typically occurs when a customer switches from his existing credit card to a new credit card.
- Maximizing Your Balance Transfer Cards - Balance transfer credit cards happen to be one of the most appealing aspects of the credit card business for consumers. They allow many people to take advantage of much lower interest rates and less finance charges on outstanding card balances but
- Quick Step to Debt Consolidation - For anyone in a great deal of credit card-related debt, balance transfer credit cards can be a quick way to consolidate debts while avoiding heavy interest charges on a number of different cards. However, it's important to remember that a balance transfer credit card carries a built-in time limit...
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