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. (Ad Disclosure)

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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Balance Transfer Credit Card Reviews & Prices

Updated 08-19-2014

Name & Card Balance Transfer APR Annual Fee Purchase APR Credit Needed Features Our Rating & Bottom Line
Chase Slate®
Chase Slate<sup>®</sup>
0% for 15 monthsNone0% for first 15 months,
then 12.99%, 17.99% or 22.99%
Good$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 18 months*$0*0% for first 18 months,
then 12.99% - 21.99% (V)*
ExcellentSave money with a 0% intro APR on purchases and transfers, no late fees
Our Rating:
Citi's 18-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 18 months*$0*0% for first 18 months,
then 11.99% - 21.99% (V)*
ExcellentSave money with a 0% intro APR on purchases and transfers
Our Rating:
Citi's 18-month 0% intro purchase and balance transfer APR period is the longest of any card; post-intro APR is also low
Discover it® Card - Balance Transfer
Discover it<sup>®</sup> Card - Balance Transfer
0% for 18 monthsNone0% for first 6 months,
then 10.99% - 22.99% (Variable)*
Excellent5% cash back on purchases within select categories; 1% on all other purchases
Our Rating:
Combines an 18-month 0% intro APR on balance transfers with a low ongoing APR
Name & Card Balance Transfer APR Annual Fee Purchase APR Credit Needed Features Our Rating & Bottom Line
Discover it® chrome - Balance Transfer
Discover it<sup>®</sup> chrome - Balance Transfer
0% for 18 monthsNone0% for first 6 months,
then 10.99% - 22.99% (Variable)*
Excellent2% cash back on up to $1,000 quarterly in combined purchases on restaurants & gas; 1% on all other purchases
Our Rating:
Lengthy 18-month 0% intro APR on balance transfers; cash back rewards without the hassle of quarterly registration; no foreign transaction fees
BankAmericard® Visa® Card
BankAmericard<sup>®</sup> Visa<sup>®</sup> Card
0% Intro for 15 billing cycles on qualifying balance transfers,
then 10.99%-20.99% variable
$00% Intro for 15 billing cycles,
then 10.99%-20.99% variable
Excellent 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in first 60 days, then a variable APR between 10.99% - 20.99% on Purchases and Balance Transfers
Our Rating:
Combines a low intro APR offer with some of the lowest ongoing APRs
Chase Freedom®
Chase Freedom<sup>®</sup>
0% for 15 monthsNone0% for the first 15 months,
then 13.99% - 22.99% Variable
Good$100 bonus after spending $500 in first 3 months; 5% cash back in rotating spending categories, 1% on all other purchases
Our Rating:
Excellent combination of cash back rewards and 0% intro APR; $100 bonus opportunity
Blue Cash Preferred® Card from American Express
Blue Cash Preferred<sup>®</sup> Card from American Express
0% for 15 months, then 12.99%-21.99% Variable$750% for 15 months, then 12.99%-21.99% VariableExcellent6% 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.
Our Rating:
Up to 6% cash back on everyday spending with unlimited cash back; $150 bonus; 0% APR on purchases and balance transfers for 15 months
Name & Card Balance Transfer APR Annual Fee Purchase APR Credit Needed Features Our Rating & Bottom Line
Simmons First Visa® Platinum
Simmons First Visa<sup>®</sup> 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<sup>®</sup> Ring Mastercard<sup>®</sup>
8.00% (Variable)None8.00% (Variable)ExcellentVery 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
Capital One® Platinum Prestige Credit Card
Capital One<sup>®</sup> Platinum Prestige Credit Card
0% until November 2015,
then 10.9% - 18.9% (V)
$00% until November 2015,
then 10.9% - 18.9% (V)
Excellent/ GoodSave money with a 0% intro APR on purchases and balance transfers
Our Rating:
0% intro APR on purchases and balance transfers, low ongoing APR
Simmons First Visa® Platinum Rewards
Simmons First Visa<sup>®</sup> 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
Name & Card Balance Transfer APR Annual Fee Purchase APR Credit Needed Features Our Rating & Bottom Line
Blue Cash Everyday® Card from American Express
Blue Cash Everyday<sup>®</sup> Card from American Express
0% for 15 months, then 12.99%-21.99% Variable$00% for 15 months, then 12.99%-21.99% VariableExcellent3% cash back at US supermarkets (up to $6K), 2% cash back on US gas & select dept stores; 1% cash back on other purchases. $100 intro bonus.
Our Rating:
Up to 3% cash back on everyday spending; $100 bonus; unlimited cash back; 15-mo 0% APR on purchases and balance transfers
Blue Sky from American Express®
Blue Sky from American Express<sup>®</sup>
0% for 15 months,
then 17.24%-22.24% Variable
$00% for 15 months,
then 17.24%-22.24% Variable
Excellent7,500 bonus points when you spend $1,000 within 3 months; 1 point per $1 spent on eligible purchases
Our Rating:
Unlimited travel rewards with no blackout dates or restrictions; $1.33 flight & hotel redemption value
BankAmericard Cash Rewards™ Credit Card
BankAmericard Cash Rewards™ Credit Card
0% Intro for 12 billing cycles on qualifying balance transfers,
then 12.99%-22.99% variable
$00% Intro for 12 billing cycles,
then 12.99%-22.99% variable
ExcellentEarn 2% cash back at grocery stores and 3% on gas for the first $1,500 in combined grocery store and gas purchases each quarter, 1% cash back on other purchases, $100 online-exclusive bonus opportunity
Our Rating:
Combines great cash back rewards with an Introductory APR offer; $100 online-exclusive bonus opportunity
U.S. Bank Visa® Platinum Card
U.S. Bank Visa<sup>®</sup> Platinum Card
0% for 15 monthsNone0% for 15 months,
then 9.99% - 23.99%
ExcellentSave money with a 0% intro APR on purchases and transfers
Our Rating:
15-month 0% APR intro and balance transfer APR period
Name & Card Balance Transfer APR Annual Fee Purchase APR Credit Needed Features Our Rating & Bottom Line
Citi ThankYou® Preferred Card - Low Intro APRs
Citi ThankYou<sup>®</sup> Preferred Card - Low Intro APRs
0% for 15 months*$0*0% for first 15 months,
then 12.99% - 22.99%*
ExcellentEarn 2 points per $1 spent on dining at restaurants and entertainment, 1 point per $1 spent on all other purchases
Our Rating:
0% APR on purchases and balance transfers for 15 months, earn rewards to spend on cash, travel and more.
Citi ThankYou® Preferred Card - Earn up to 20,000 Bonus Points
Citi ThankYou<sup>®</sup> Preferred Card - Earn up to 20,000 Bonus Points
0% for 7 months*$0*0% for 7 months, then 12.99% - 22.99% (V)*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

Disclaimer: This content is not provided or commissioned by the credit card issuers. Opinions expressed here are author's alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers. This site may be compensated through the affiliate program of the credit card issuers.

*See credit card application page for additional details.

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Advertiser Disclosure: NextAdvisor.com is a consumer information site that offers free, independent reviews and ratings of online services. We receive advertising revenue from most but not all of the companies whose products and services we review. For credit cards, we review cards from all of the top 10 US issuers by purchase volume (according to Issue 1035 of The Nilson Report, Feb 2014) excluding issuers that require additional accounts to be a cardholder or private label issuers. We may also review cards from other issuers in select cases. We are independently owned and operated and all opinions expressed on this site are our own.