Balance Transfer Calculator

Use our balance transfer calculator to find the card that will save you the most money, estimate the total interest & fees you'll pay and how long it will take to pay off your balance, based on your finances.*
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Balance Transfer Credit Cards

Sick of paying an arm and a leg in credit card interest? One of the following balance transfer credit cards may be the perfect solution for you. By transferring your credit card balance to one of these cards that offer a long 0% intro APR or a reduced APR on balance transfers, you can get plenty of time to pay off your balance with much lower interest rates — if any at all. View our list of balance transfer credit cards below, and click "Apply Now" to connect with any of our partners. You can also use our free Balance Transfer Calculator to see our estimate of the interest and fees you'd pay for all of the cards we've reviewed.

Updated 03-19-2019

Balance Transfer Credit Cards Comparison Chart

Name & CardBalance Transfer APRAnnual FeePurchase APRCredit NeededFeaturesBottom 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 our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The reviews 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.
Wells Fargo Platinum Visa® Card
0% intro APR 18 months, then 17.74%-27.24% (Variable)$00% intro APR for 18 months, then 17.74%-27.24% (variable)Excellent / Good0% intro APR on balance transfers and purchases 0% intro APR for 18 months on purchases and balance transfers, mobile phone protection
Capital One® Quicksilver® Cash Rewards Credit Card
0% intro on balance transfers for 15 months, then 16.24% - 26.24% (Variable)$00% intro on purchases for 15 months, then 16.24% - 26.24% (Variable)Excellent, Good$150 cash back after you spend $500 on purchases within 3 months from account opening, 1.5% cash back on all purchases 1.5% cash back on all purchases; 15-month 0% intro APR on purchases & balance transfers; $150 bonus opportunity
Citi Rewards+ Card
0% intro APR on Balance Transfers for 12 months, then 15.74% - 25.74% (Variable)$00% intro APR on Purchases for 12 months, then 15.74% - 25.74% (Variable)Excellent, GoodEarn 15,000 bonus points after spending $1,000 on purchases within 3 months of account opening; pay 0% intro APR for 12 months on purchases and balance transfers; earn 2X points at supermarkets and gas stations for the first $6,000 per year and then 1X points thereafter. Plus, earn 1X points on all other purchases. 15,000-point bonus opportunity; 12-month 0% intro APR on balance transfers and purchases; Earn 2X points at supermarkets and gas stations — plus, points automatically round up to the nearest 10 on every purchase.
Capital One® SavorOne℠ Cash Rewards Credit Card
0% intro on balance transfers for 15 months, then 16.24% - 26.24% (Variable)$00% intro on purchases for 15 months, then 16.24% - 26.24% (Variable).Excellent, GoodEarn 3% back on dining out and entertainment, 2% back at grocery stores, and 1% back on all other purchases; $150 cash back after you spend $500 on purchases within 3 months from account opening Good pick if you dine out and shop at grocery stores frequently; $150 bonus opportunity; 15-month 0% intro APR on balance transfers & purchases
Name & CardBalance Transfer APRAnnual FeePurchase APRCredit NeededFeaturesBottom 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 our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The reviews 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.
Citi Simplicity® Card - No Late Fees Ever
0%* for 21 months, then 16.24% - 26.24%* (Variable)$0*0%* for 12 months, then 16.24% - 26.24%* (Variable)Excellent, GoodSave money with a 0% intro APR on purchases and transfers, no late fees 21-month 0% intro APR on balance transfers; 12-month 0% intro APR on purchases; post-intro APR is also low
Bank of America® Cash Rewards credit card
0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days, then 16.24% - 26.24% Variable APR on balance transfers$00% Introductory APR on purchases for 12 billing cycles, then 16.24% - 26.24% Variable APR on purchasesExcellent/Good$150 online cash rewards bonus offer; Earn 3% on the category of your choice (there are 6 to choose from), 2% back at wholesale clubs & grocery stores (up to $2,500 your choice category/wholesale club/grocery store quarterly purchases), 1% back on other purchases $150 online bonus after you spend at least $500 on purchases in the first 90 days of account opening; 3% on the category of your choice (there are 6 to choose from), 2% at wholesale clubs and grocery stores; introductory 0% APR offer for 12 billing cycles
Wells Fargo Cash Wise Visa® Card
0% intro APR for 12 months, then 16.24%-28.24% (Variable)$0 0% intro APR for 12 months, then 16.24%-28.24% (variable)Excellent / GoodEarn $200 bonus after spending $1,000 on purchases in the first 3 months; earn unlimited 1.5% cash back on purchases $200 bonus opportunity; earn 1.5% cash back; 0% intro APR for 12 months on purchases and balance transfers
Chase Freedom Unlimited®
0% Intro APR on Balance Transfers for 15 months, then 17.24 - 25.99% Variable $00% Intro APR on Purchases for 15 months, then 17.24 - 25.99% variableGoodEarn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening, Unlimited 1.5% cash back Unlimited 1.5% cash back; 0% Intro APR on Purchases and balance transfers for 15 months; $150 Bonus opportunity
Name & CardBalance Transfer APRAnnual FeePurchase APRCredit NeededFeaturesBottom 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 our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The reviews 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.
Citi® Double Cash Card
0% for 18 months, then 15.74% - 25.74%* (Variable)$0*15.74% - 25.74%* (Variable)Excellent, GoodEarn 2% cash back on all purchases (1% when you make a purchase, plus another 1% when you ​pay for the purchase) 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*
Discover it® Balance Transfer
0% for 18 months, then 14.24% - 25.24% Variable$00% for first 6 months, then 14.24% - 25.24% VariableExcellent, Good, Average5% cash back on purchases within select categories up to the quarterly maximum (signup required); unlimited 1% on all other purchases Combines an 18-month 0% intro APR on balance transfers with cash back rewards; Double your cash back at end of 1st year
Barclaycard Ring® Mastercard®
0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 14.24% APR will apply.$014.24% VariableGood/Excellent0% intro APR on balance transfers for 15 months, a low balance transfer fee, low ongoing APR and no annual fee or foreign transaction fees 15-month 0% intro APR on balance transfers, a low ongoing APR and low balance transfer fee
HSBC Gold Mastercard® credit card
0% Introductory APR on balance transfers for the first 18 months from account opening, then a Variable APR of 13.24%, 17.24% or 21.24% will apply after the Introductory Period$00% Introductory APR on credit card purchases for the first 18 months from account opening, then a Variable APR of 13.24%, 17.24% or 21.24% will apply after the Introductory Period
Additional Rates & Fees
Additional Rates & Fees
  • Annual Fee: $0.
  • Purchase APR: 0% Introductory APR on credit card purchases for the first 18 months from account opening, then a Variable APR of 13.24%, 17.24% or 21.24% will apply after the Introductory Period.
  • Balance Transfer APR: 0% Introductory APR on balance transfers for the first 18 months from account opening, then a Variable APR of 13.24%, 17.24% or 21.24% will apply after the Introductory Period.
  • Balance Transfer Fee: Either $10 or 4%, whichever is greater.
  • Foreign Transaction Fee: None.
  • Terms and Conditions
Good, Excellent0% intro APR on balance transfers and purchases 18-month 0% intro APR on both purchases and balance transfers; no foreign transaction fees and no penalty APR.

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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