Compare Balance Transfer Credit Cards

Balance transfer credit cards allow you to eliminate or lower interest charged on your credit card debt by offering 0% or reduced APRs on balance transfers. This sort of card makes a lot of sense for those who are planning to carry a balance on their credit card for more than a few months. If you'd like to know what balance transfer card is best for you, use the Balance Transfer Calculator on the right side of this page to see our estimate of the interest and fees you'd pay for all of the cards we've reviewed. Or look below at our list of the best balance transfer credit cards from our partners. To learn more about credit cards, see our Credit Card FAQs.

Balance Transfer Calculator

Just enter the amount you plan to transfer, how much you'll be paying towards this balance each month and your current credit level. We'll display the best balance transfer credit cards for you, estimating the total interest & fees you'll pay and how long it will take to pay off your balance*.
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Updated 02-12-2016

Balance Transfer Credit Card Comparison Chart

Name & CardBalance Transfer APRAnnual
Fee
Purchase APRCredit Needed
Don't know your credit rating? Find out what your credit score means or get a free credit score and explanation with our top-reviewed credit monitoring services.
FeaturesOur Rating & Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
Chase Slate®
Chase Slate<sup>®</sup> 0% Intro APR for 15 months$00% Intro APR for 15 months, then 13.24%-23.24% variableGood$0 introductory balance transfer fee during first 60 days your account is open; 0% intro APR on purchases and transfers
Our Rating:
Great choice for balance transfers; Only card with $0 intro balance transfer fee, 0% intro APR on purchases & transfers for 15 months
Citi Simplicity® Card
Citi Simplicity<sup>®</sup> Card 0%* for 21 months on Balance Transfers*$0*0%* for 21 months on Purchases*,
then 13.24% - 23.24% (variable)
ExcellentSave money with a 0% intro APR on purchases and transfers, no late fees
Our Rating:
Citi's 21-month 0% intro purchase and balance transfer APR period is the longest of any card, no late fees
Citi® Diamond Preferred® Card
Citi<sup>®</sup> Diamond Preferred<sup>®</sup> Card 0%* for 21 months on Balance Transfers*$0*0%* for first 21 months on Purchases*,
then 12.24% - 22.24%* (Variable)
ExcellentSave money with a 0% intro APR on purchases and transfers
Our Rating:
Citi's 21-month 0% intro purchase and balance transfer APR period is the longest of any card; post-intro APR is also low
Discover it®- 18 Month Balance Transfer Offer
Discover it<sup>®</sup>- 18 Month Balance Transfer Offer 0% for 18 months,
then 11.24% – 23.24% Variable*
$00% for first 6 months,
then 11.24% – 23.24% Variable*
Excellent, Good, Average5% cash back on purchases within select categories up to the quarterly maximum; 1% on all other purchases
Our Rating:
18-month 0% intro APR on balance transfers; Double your cash back at end of 1st year
Name & CardBalance Transfer APRAnnual
Fee
Purchase APRCredit Needed
Don't know your credit rating? Find out what your credit score means or get a free credit score and explanation with our top-reviewed credit monitoring services.
FeaturesOur Rating & Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
BankAmericard® Credit Card
BankAmericard<sup>®</sup> Credit Card 0% Intro APR for 18 billing cycles for balance transfers made in the first 60 days,
then 11.24% - 21.24% Variable APR on balance transfers
$011.24% - 21.24% Variable APR on purchasesExcellent/Good0% Intro APR for 18 billing cycles for balance transfers made in the first 60 days, then 11.24% - 21.24% Variable APR on balance transfers. Balance transfer fee of 3% ($10 Min) applies.
Our Rating:
Combines a low balance transfer intro APR offer with some of the most competitive ongoing APRs
Chase Freedom® - $150 Bonus
Chase Freedom<sup>®</sup> - $150 Bonus 0% for 15 Months$00% for 15 Months,
then 14.24-23.24% variable
Good$150 bonus after spending $500 in first 3 months; 5% cash back in rotating spending categories (up to $1,500 per quarter), 1% on all other purchases
Our Rating:
Excellent combination of cash back rewards and 0% intro APR; $150 bonus opportunity
Blue Cash Preferred® Card from American Express
Blue Cash Preferred<sup>®</sup> Card from American Express 0% on Balance Transfers for 15 months, then 13.24%-22.24% Variable$750% on Purchases for 15 months, then 13.24%-22.24% Variable
Additional Rates & Fees
Additional Rates & Fees
  • Balance Transfer APR: 0% on Balance Transfers for 15 months, then 13.24%-22.24% Variable, based on creditworthiness.
  • Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
  • Late Payment Fee: Up to $37
  • Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.
  • APR for Cash Advances: 25.49%
  • Penalty APR: 29.49%
  • Returned Payment Fee: Up to $37.
Excellent6% cash back at US supermarkets (up to $6K), 3% cash back on US gas & select US dept stores; 1% cash back on other purchases. $150 intro bonus after spending $1K in first 3 mos. Terms apply.
Our Rating:
Up to 6% cash back on everyday spending; $150 intro bonus; 0% APR on purchases and balance transfers for 15 months. Terms apply.
Citi® Double Cash Card
Citi<sup>®</sup> Double Cash Card 0%* for 15 months on Balance Transfers*,
then 13.24% - 23.24%* (Variable)
$0*0%* for 15 months on Purchases*,
then 13.24% - 23.24%* (Variable)
Excellent1% cash back on all purchases plus another 1% cash back as you pay for those purchases, whether you pay in full or over time
Our Rating:
1% cash back when you buy PLUS 1% back when you pay = 2x cash back on all purchases; 15-mo 0% APR on balance transfers and purchases
Name & CardBalance Transfer APRAnnual
Fee
Purchase APRCredit Needed
Don't know your credit rating? Find out what your credit score means or get a free credit score and explanation with our top-reviewed credit monitoring services.
FeaturesOur Rating & Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
Simmons First Visa® Platinum
Simmons First Visa® Platinum 7.25% Variable$07.25% VariableExcellentVery low ongoing APR, No balance transfer fee
Our Rating:
Exceptionally low ongoing APR and no balance transfer fees
Barclaycard® Ring Mastercard®
Barclaycard® Ring Mastercard® 8.25%* VariableNone8.25%* VariableExcellentVery low ongoing APR, No balance transfer fee, users help manage card program and participate in profits
Our Rating:
Combines remarkable low ongoing APR on purchases & balance transfers with no balance transfer fee; No 0% intro APR; includes a unique profit sharing program
Simmons First Visa® Platinum Rewards
Simmons First Visa® Platinum Rewards 9.25% Variable$09.25% VariableExcellent1 point per $1 spent
Our Rating:
Combines very low ongoing APR and no balance transfer fees with travel rewards program
Blue Cash Everyday® Card from American Express
Blue Cash Everyday<sup>®</sup> Card from American Express 0% on Balance Transfers for 15 months, then 13.24%-22.24% Variable$00% on Purchases for 15 months, then 13.24%-22.24% Variable
Additional Rates & Fees
Additional Rates & Fees
  • Balance Transfer APR: 0% on Balance Transfers for 15 months, then 13.24%-22.24% Variable, based on creditworthiness.
  • Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
  • Late Payment Fee: Up to $37
  • Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.
  • APR for Cash Advances: 25.49%
  • Penalty APR: 29.49%
  • Returned Payment Fee: Up to $37.
Excellent3% cash back at US supermarkets (up to $6K), 2% cash back on US gas & select dept stores; 1% cash back on other purchases. $100 bonus after spending $1K in first 3 mos. Terms apply.
Our Rating:
Up to 3% cash back on everyday spending; $100 bonus; unlimited cash back; 15-mo 0% APR on purchases and balance transfers. Terms apply.
Name & CardBalance Transfer APRAnnual
Fee
Purchase APRCredit Needed
Don't know your credit rating? Find out what your credit score means or get a free credit score and explanation with our top-reviewed credit monitoring services.
FeaturesOur Rating & Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
BankAmericard Cash Rewards Credit Card
BankAmericard Cash Rewards<sup>™</sup> Credit Card 0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days,
then 13.24% - 23.24% Variable APR on balance transfers
$00% Introductory APR on purchases for 12 billing cycles,
then 13.24% - 23.24% Variable APR on purchases
Excellent/GoodEarn 3% cash back on gas & 2% at grocery stores for first $1,500 in combined gas & grocery store purchases quarterly, 1% cash back on other purchases, $100 online-exclusive bonus after spending at least $500 in purchases in first 90 days
Our Rating:
Combines great cash back rewards with an Introductory APR offer; $100 online-exclusive bonus offer
Citi ThankYou® Preferred Card – Earn 20,000 Bonus Points
Citi ThankYou<sup>®</sup> Preferred Card – Earn 20,000 Bonus Points 0%* for 12 months on Balance Transfers$0*0%* for 12 months on Purchases, then 13.24% - 23.24%* (Variable)Excellent20K points for $1,500 spent in first 3 mos; 2 points per $1 spent on dining and entertainment; 1 point per $1 spent on all other purchases
Our Rating:
Earn rewards to spend on cash, travel and more; 20,000 bonus point opportunity

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*See credit card application page for additional details.


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