NextAdvisor's

Balance Transfer Calculator

Your personalized balance transfer credit card results are shown below, with NextAdvisor.com's estimate* of the card with the lowest fees and quickest payoff at the top and the card with the highest fees and longest payoff at the bottom. The results are based on the transfer amount, monthly payment and credit level you provide and are not endorsed or approved by the credit card issuers. To change the results, just update the Balance Transfer Calculator fields below.


Find the Perfect Card

Enter the amount you plan on transferring, your monthly payment and your credit level

$
$
Balance Transfer Fee* Total Interest Paid* Annual
Fee
Total Interest
& Fees*
# Months to Pay Off Card Bottom Line Balance Transfer Estimated APR^
The Amex EveryDay® Credit Card from American Express
$0 + $6 + $0 =$6 17
Apply Now | Review
Our Rating:
Our top-rated card for balance transfers combines a 15-month 0% intro APR on purchases & balance transfers with a $0 intro balance transfer fee; enjoy Amex benefits without the annual fee and the potential to earn 20% more points. Terms apply.
14.74%^
U.S. Bank Visa® Platinum Card
$240 + $0 + $0 =$240 17
Apply Now | Review
Our Rating:
20-month 0% intro APR on purchases and balance transfers, low ongoing APR, requires excellent credit
11.74%^
Discover it® Balance Transfer
$240 + $0 + $0 =$240 17
Apply Now | Review
Our Rating:
Combines an 18-month 0% intro APR on balance transfers with cash back rewards; Double your cash back at end of 1st year
13.49%^
Balance Transfer Fee* Total Interest Paid* Annual
Fee
Total Interest
& Fees*
# Months to Pay Off Card Bottom Line Balance Transfer Estimated APR^
Wells Fargo Platinum Visa® Card
$240 + $0 + $0 =$240 17
Apply Now | Review
Our Rating:
0% intro APR for 18 months on purchases and balance transfers, mobile phone protection
16.90%^
Citi® Double Cash Card
$240 + $0 + $0 =$240 17
Apply Now | Review
Our Rating:
Earn 2% cash back on all purchases, the highest standard cash back rate of all the cards we review; 18-mo 0% intro APR on balance transfers*
15.24%^
Blue Cash Everyday® Card from American Express
$240 + $12 + $0 =$252 17
Apply Now | Review
Our Rating:
$150 bonus; 15-month 0% intro APR on both balance transfers and purchases; Solid all-around cash back card. Terms apply.
14.74%^
BankAmericard® Credit Card
$240 + $12 + $0 =$252 17
Apply Now | Review
Our Rating:
0% intro APR on purchases and qualifying balance transfers for 15 billing cycles
14.49%^
Balance Transfer Fee* Total Interest Paid* Annual
Fee
Total Interest
& Fees*
# Months to Pay Off Card Bottom Line Balance Transfer Estimated APR^
Citi ThankYou® Preferred Card
$240 + $13 + $0 =$253 17
Apply Now | Review
Our Rating:
Earn rewards to spend on cash, travel and more; 15-month 0% intro APR on purchases and balance transfers
15.24%^
Bank of America® Cash Rewards Credit Card
$240 + $79 + $0 =$319 17
Apply Now | Review
Our Rating:
3% on gas, 2% back at wholesale clubs and grocery stores; $150 online cash rewards bonus offer; introductory 0% APR offer for 12 billing cycles
14.74%^
Wells Fargo Cash Wise Visa® Card
$240 + $79 + $0 =$319 17
Apply Now | Review
Our Rating:
$200 bonus opportunity; earn 1.5% cash back; 0% intro APR for 12 months on purchases and balance transfers
14.74%^
U.S. Bank Cash 365  American Express®  Card
$240 + $84 + $0 =$324 17
Apply Now | Review
Our Rating:
$150 bonus opportunity, earn 1.5% back on all purchases, 12-month 0% intro APR on balance transfers.
15.74%^
Balance Transfer Fee* Total Interest Paid* Annual
Fee
Total Interest
& Fees*
# Months to Pay Off Card Bottom Line Balance Transfer Estimated APR^
HSBC Cash Rewards Mastercard® credit card
$320 + $14 + $0 =$334 17
Apply Now | Review
Our Rating:
$150 bonus opportunity; 10% anniversary bonus each year; 15-month 0% intro APR on balance transfers
14.49%^
Citi® Diamond Preferred® Card – 21 Month Balance Transfer Offer
$400 + $0 + $0 =$400 17
Apply Now | Review
Our Rating:
21-month 0% intro APR on balance transfers; 12-month 0% intro APR on purchases; post-intro APR is also low; slightly higher than usual balance transfer fee
14.74%^
Citi Simplicity® Card - No Late Fees Ever
$400 + $0 + $0 =$400 17
Apply Now | Review
Our Rating:
18-month 0% intro APR on both purchases and balance transfers, no late fees but higher than usual 5% balance transfer fee.
15.74%^
Chase Freedom® - $150 Bonus
$400 + $18 + $0 =$418 17
Apply Now | Review
Our Rating:
Excellent combination of cash back rewards and 0% intro APR; $150 Bonus opportunity
16.49%^
Balance Transfer Fee* Total Interest Paid* Annual
Fee
Total Interest
& Fees*
# Months to Pay Off Card Bottom Line Balance Transfer Estimated APR^
Chase Freedom Unlimited®
$400 + $18 + $0 =$418 17
Apply Now | Review
Our Rating:
Unlimited 1.5% cash back; 0% Intro APR on Purchases and balance transfers for 15 months; $150 Bonus opportunity
16.49%^
Blue Cash Preferred® Card from American Express
$240 + $91 + ($95 x 2) =$521 18
Apply Now | Review
Our Rating:
6% cash back at U.S. supermarkets on up to $6K in purchases; $200 intro bonus; Terms apply.
14.74%^
Simmons Visa®
$0 + $605 + $0 =$605 18
Review
Our Rating:
Exceptionally low ongoing APR and no balance transfer fees
9.75%^
Barclaycard Ring™ Mastercard®
$0 + $656 + $0 =$656 18
Apply Now | Review
Our Rating:
No balance transfer fee and low ongoing APR; includes a unique profit sharing program
10.49%^
Balance Transfer Fee* Total Interest Paid* Annual
Fee
Total Interest
& Fees*
# Months to Pay Off Card Bottom Line Balance Transfer Estimated APR^
Simmons Rewards Visa® Signature
$0 + $744 + $0 =$744 18
Review
Our Rating:
Combines very low ongoing APR and no balance transfer fees with rewards program
11.75%^

*Please note that these results are estimates provided by NextAdvisor.com and are not endorsed or approved by the credit card issuers. Your actual APR may vary based on the credit card issuer's determination of your creditworthiness. Due to rounding, the Total Interest & Fees may not always be the sum of the Balance Transfer Fee, Total Interest Paid and Annual Fee. For our interest charge estimates we assumed that all cards use the Average Daily Balance interest charge calculation method. We further assumed 30 days in each period. The formula used was Interest Charges = Avg Daily Balance * APR/360 days * 30 days. The Balance Transfer fees were also estimated based on the terms and conditions indicated by each provider. If there were any introductory Balance Transfer fee terms, we assumed those applied and that the user transferred their balance during this period. We assumed any Annual Fees were billed in the first month of card ownership and every 12 months thereafter. Note that each card has its own terms and conditions for balance transfers and interest change calculations that may differ from what we have here. Check your cardholder agreement as your terms and conditions may differ. In general, cardholders may not transfer more than their approved credit limit for that card.

^Balance Transfer APR rates have been estimated, based on the APR rate information we have for each individual card. Your Balance Transfer APR may differ.


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