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^
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
13.99%^
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
11.99%^
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
13.49%^
Balance Transfer Fee* Total Interest Paid* Annual
Fee
Total Interest
& Fees*
# Months to Pay Off Card Bottom Line Balance Transfer Estimated APR^
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-month 0% intro APR on balance transfers*
15.49%^
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.
14.99%^
Chase Freedom®
$240 + $14 + $0 =$254 17
Apply Now | Review
Our Rating:
Excellent combination of cash back rewards and 0% intro APR; $150 Bonus opportunity
16.99%^
Chase Freedom Unlimited®
$240 + $14 + $0 =$254 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
16.99%^
Balance Transfer Fee* Total Interest Paid* Annual
Fee
Total Interest
& Fees*
# Months to Pay Off Card Bottom Line Balance Transfer Estimated APR^
Wells Fargo Propel American Express® Card
$240 + $77 + $0 =$317 17
Apply Now | Review
Our Rating:
30,000-point bonus opportunity (worth $300 in cash); Earn 3X at gas stations, on travel (including rideshares & transit) purchases, as well as popular streaming services, eating out and ordering in; 12-month 0% intro APR on purchases & balance transfers
14.49%^
Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer
$240 + $82 + $0 =$322 17
Apply Now | Review
Our Rating:
$200 online cash rewards bonus offer; 3% on gas, 2% at wholesale clubs and grocery stores; introductory 0% APR offer for 12 billing cycles
15.24%^
Wells Fargo Cash Wise Visa® Card
$240 + $86 + $0 =$326 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
15.99%^
U.S. Bank Cash 365 American Express® Card
$240 + $86 + $0 =$326 17
Apply Now | Review
Our Rating:
$150 bonus opportunity, earn 1.5% back on all purchases, 12-month 0% intro APR on balance transfers.
15.99%^
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
14.99%^
Citi Simplicity® Card - No Late Fees Ever
$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
15.99%^
Blue Cash Preferred® Card from American Express
$240 + $93 + ($95 x 2) =$523 18
Apply Now | Review
Our Rating:
6% cash back at U.S. supermarkets on up to $6,000 in purchases; $200 intro bonus; Terms apply.
14.99%^
Simmons Visa®
$0 + $639 + $0 =$639 18
Review
Our Rating:
Exceptionally low ongoing APR and no balance transfer fees
10.25%^
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 + $780 + $0 =$780 18
Review
Our Rating:
Combines very low ongoing APR and no balance transfer fees with rewards program
12.25%^

*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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Advertiser Disclosure: NextAdvisor is a consumer information site that offers free reviews and ratings of online services. Many of the companies whose services we review provide us compensation when someone who clicks from our site becomes their customer. This is how we make money to support our site. The results of our analyses, calculators, reviews and ratings are based on objective quantitative and qualitative evaluation of all the cards on our site and are not affected by any compensation NextAdvisor may receive. Compensation may impact which products we review and write about and where those products appear. We do not review all products in a given category. All opinions expressed on this site are our own.