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Balance Transfer Credit Cards

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If you're looking to lower your credit card interest rates, a balance transfer credit card may be a good option for you to consider. Balance transfer credit cards allow you to consolidate your credit card balance onto just one card, which should save you money on interest charges.

When choosing a balance transfer credit card, there are a few important things to keep in mind. The most important features to be considered are the credit card rates, whether there are balance transfer fees for transferring your credit card balance and the length of time the low balance transfer rate is available for the balance on your new credit The importance of these features depend on your own personal situation. If you have a large balance that you need to transfer may require a different evaluation than if you have a relatively small amount that can be paid off or reduced in a short period of time.

A low interest rate alone isn't enough reason to make the switch. There are other things you need to know before transferring your credit card balance. Like, just how low is the introductory rate? How long does the rate last? Do you actually qualify for the rate? That said, if you’ve got a large amount of debt that will likely take a considerable amount of time to pay off, you may want to consider choosing a balance transfer credit card with a fixed rate for the life of the balance. This way you can secure a low rate and you will not need to to worry about the introductory rate period expiring, which usually happens at 6 or 12 months.

Some balance transfer credit cards do not come with a balance transfer fee on the balances you transfer so they are a good option for people with large balances on their existing credit card. And if you choose the right credit card and manage your balances the right way, you will be able to have a credit card that more easily allows you to pay down your credit card balance.

The following Balance Transfer credit cards allow consumers to save money on their credit balance with a low interest rate on credit balances transferred from existing cards onto their new credit card. Apply for the balance transfer credit card of your choice today by completing a secure online application. And don’t forget to use our exclusive CreditCardFinder before you apply to determine the likelihood of getting approved for the credit card of your choice.

Apply For Balance Transfer Credit Cards Below

 
< 1-25 of 25 Offers >
Intro APR
(as low as)
0%
APR Period
10/09
Basic APR
(as low as)
8.9%
Annual Fee
$0
Balance Transfer
Intro APR
  • Save with a 0% intro APR until October 2009 on purchases and balance transfers
  • Then enjoy a variable APR, now 8.9%
  • Save time and money by transferring higher-rate balances so you can make one easy payment each month
  • No annual fee
 
Intro APR
(as low as)
0%
APR Period
10/09
Basic APR
(as low as)
8.9%
Annual Fee
$0
Balance Transfer
Intro APR
  • Save with a 0% intro APR until October 2009 on purchases and balance transfers
  • Then enjoy a variable APR, now 8.9%
  • Save time and money by transferring higher-rate balances so you can make one easy payment each month
  • No annual fee
 
Intro APR
(as low as)
0%
APR Period
6 months
Basic APR
(as low as)
10.99%
Annual Fee
$0
Balance Transfer
Intro APR
3.9%
Save at the pump and everywhere else.*
  • 5% Cashback Bonus® on your first $100 in gas and auto maintenance purchases each month – up to $1,200 in purchases each year
  • 5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
  • Up to 1% Cashback Bonus on all other purchases
  • Unlimited cash rewards
  • Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners
  • No Annual Fee
  • Online Account Access
  • Online Bill Payment

Complete Fraud Protection for Your Peace of Mind
  • $0 Fraud Liability Guarantee
  • Advanced fraud early warning alerts
  • Secure online account numbers
  • Fraud specialists dedicated to helping you 24/7

*View Discover® Card Rates, Fees, Rewards and Other Important Information.
 
Intro APR
(as low as)
3.9%
APR Period
6 months
Basic APR
(as low as)
10.99%
Annual Fee
$0
Balance Transfer
Intro APR
3.9%
  • Cash Rewards for your good credit management!*
  • Pay-On-Time BonusSM equal to a full month’s interest
  • Up to 1% Cashback Bonus on all other purchases
  • Unlimited cash rewards
  • Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus Partners
  • Free payment by phone
  • No Annual Fee
  • Online Account Access
  • Online Bill Payment

*See card application for rates, fees, and other important information.
 
Intro APR
(as low as)
0%
APR Period
6 months
Basic APR
(as low as)
10.99%
Annual Fee
$0
Balance Transfer
Intro APR
0%
  • Rebates credited toward future purchases
  • Online Account Access
  • Convenience Checks
  • Purchase Assurance and Extended Warranty Protection
  • Up to $500,000 Automatic Travel Accident Insurance
*See terms and conditions
 
Intro APR
(as low as)
2.9%
APR Period
6 months
Basic APR
(as low as)
14.49%
Annual Fee
$0
Balance Transfer
Intro APR
2.99%
  • Earn up to 50,000 HHonors® bonus points when you get the Card
  • No Annual Fee
  • Receive 5 HHonors bonus points for each dollar spent at Hilton Family hotels including Doubletree®, Embassy Suites Hotels®, Hampton Inn® and more and for eligible purchases at supermarkets, drugstores, gas stations and more
  • Get 3 HHonors bonus points for each eligible dollar you spend everywhere else
  • No Blackout dates
  • Express Approval. Get a decision in less than 60 seconds.

*See Card Terms & Conditions
 
Intro APR
(as low as)
0%
APR Period
up to 12 months
Basic APR
(as low as)
12.49%
Annual Fee
$0
Balance Transfer
Intro APR
  • Earn up to 5% cash back on everyday purchases - even gas!
  • No Annual Fee
  • 0% Intro APR for up to 12 months on purchases
  • Low Balance Transfer APR - 2.99% for 12 months
  • Express Approval. Get a decision in less than 60 seconds.

*See Card Terms & Conditions
 
Intro APR
(as low as)
0%
APR Period
up to 12 months
Basic APR
(as low as)
11.49%
Annual Fee
$0
Balance Transfer
Intro APR
2.99%
  • 0% APR on purchases for up to 12 months
  • No Annual Fee
  • Low Balance Transfer APR — 2.99% for 12 months
  • Earn points that can be redeemed for gift cards, travel,merchandise, and unique entertainment experiences.
  • Membership Rewards Express program
  • Express Approval. Get a decision in less than 60 seconds.

*See Card Terms & Conditions
 
Intro APR
(as low as)
0%
APR Period
12 months
Basic APR
(as low as)
10.99%
Annual Fee
$0
Balance Transfer
Intro APR
0%
  • 0% Intro APR*
  • No Annual Fee
  • FREE Online Account Access

*See terms and conditions
 
Intro APR
(as low as)
0%
APR Period
up to 12 months
Basic APR
(as low as)
13.49%
Annual Fee
$0
Balance Transfer
Intro APR
5.99%
  • No fees of any kind. No annual fee, no late fees, no over-limit fees,
    no balance transfer fees, no cash advance fees.
  • 0% intro APR for up to 12 months.
  • Automatic Rewards. You'll get an American Express branded shopping card worth $25 delivered straight to your door every time you spend $2,500.
  • Pay in full, or carry a balance.
  • Express Approval. Get a decision in less than 60 seconds.

*See Card Terms & Conditions
 
Apply for the Citi Platinum Select MasterCard
Intro APR
(as low as)
0%
APR Period
12 months
Basic APR
(as low as)
8.49%
Annual Fee
$0
Balance Transfer
Intro APR
0%
  • 0% APR on Balance Transfers and Purchases for up to 12 month based on your application and credit history.
  • After the introductory period is over, APR on purchases will be as low as a variable 8.49%, based on your application and credit history.
  • No annual fee.
  •  
    Intro APR
    (as low as)
    0%
    APR Period
    6 months
    Basic APR
    (as low as)
    10.99%
    Annual Fee
    $0
    Balance Transfer
    Intro APR
    • 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, movies and many more
    • 5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
    • Up to 1% Cashback Bonus on all other purchases automatically
    • Unlimited cash rewards
    • Turn your Cashback Bonus into bigger rewards everytime when you redeem for gift cards from over 100 brand-name Partners
    • No Annual Fee
    • Online Account Access
    • Online Bill Payment

    Complete Fraud Protection for Your Peace of Mind

    • $0 Fraud Liability Guarantee
    • Advanced fraud early warning alerts
    • Secure online account numbers
    • Fraud specialists dedicated to helping you 24/7

    *View Discover® Card Rates, Fees, Rewards and Other Important Information.

     
    Intro APR
    (as low as)
    0%
    APR Period
    6 months
    Basic APR
    (as low as)
    10.99%
    Annual Fee
    $0
    Balance Transfer
    Intro APR
    3.9%
    • 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, movies and many more
    • 5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
    • Up to 1% Cashback Bonus on all other purchases automatically
    • Unlimited cash rewards
    • Turn your Cashback Bonus into bigger rewards everytime when you redeem for gift cards from over 100 brand-name Partners
    • No Annual Fee
    • Online Account Access
    • Online Bill Payment

    Complete Fraud Protection for Your Peace of Mind

    • $0 Fraud Liability Guarantee
    • Advanced fraud early warning alerts
    • Secure online account numbers
    • Fraud specialists dedicated to helping you 24/7

    *View Discover® Card Rates, Fees, Rewards and Other Important Information.

     
    Intro APR
    (as low as)
    n/a
    APR Period
    n/a
    Basic APR
    (as low as)
    14.49%
    Annual Fee
    $150
    Balance Transfer
    Intro APR
    3.99%
    • Earn 20,000 bonus SkyMiles® (including 5,000 Medallion Qualification Miles) after first purchase and another 2,500 for adding an Additional Cardmember
    • Earn one companion Coach Class ticket each year upon renewal
    • Earn at least 1 mile for every eligible dollar spent
    • Miles never expire and there is no cap on the miles you can earn
    • Pay with Miles: Pay for all or part of your flight with miles – and put the rest on your card
    • Express Approval. Get a decision in less than 60 seconds.

    *See Card Terms & Conditions
     
    Intro APR
    (as low as)
    2.9%
    APR Period
    6 months
    Basic APR
    (as low as)
    14.99%
    Annual Fee
    $0
    Balance Transfer
    Intro APR
    2.99%
    • Earn up to 6 Free Nights Earn 10,000 Starpoints with your first purchase - enough for up to 3 free nights at a Category 1 or 2 hotel
    • Plus- earn an additional 15,000 Starpoints when you spend $15,000 in 6 months
    • Use Starpoints for free nights and upgrades at over 860 participating Starwood hotels and resorts in 95 countries.
    • Transfer Starpoints - almost always on a 1:1 basis - to the frequent flyer program of over 30 major airlines.
    • Earn one Starpoint for every dollar of eligible spending and double Starpoints at participating Starwood properties and retail outlets.
    • Pay no annual fee for the first year and only$45 thereafter.

    *See terms and conditions for more information.
     
    Intro APR
    (as low as)
    n/a
    APR Period
    n/a
    Basic APR
    (as low as)
    14.49%
    Annual Fee
    $40
    Balance Transfer
    Intro APR
    3.99%
    • Get 50 TrueBlue® points after your first purchase - that's half way to an award flight!
    • TrueBlue points don't expire. Use your Card or fly JetBlue and we extend the life of your points for a full year
    • Earn one Award Dollar for virtually every dollar you spend
    • Earn Double Award Dollars on entertainment, leisure, travel and dining
    • 200 Award Dollars = 1 TrueBlue point and 100 TrueBlue points = one round trip flight
    • Express Approval. Get a decision in less than 60 seconds.

    *See Card Terms & Conditions
     
    Intro APR
    (as low as)
    1.99%
    APR Period
    6 months
    Basic APR
    (as low as)
    13.24%
    Annual Fee
    $0
    Balance Transfer
    Intro APR
    6.99%
    • Attention Union Members! Only the Union Plus MasterCard offers you exclusive money saving benefits and Triple PlusSM Features that no other card can equal:
    • Triple PlusSM VALUE - No annual fee and low rate balance transfers with NO balance transfer fees. Exclusive union member rates
    • Triple PlusSM PROTECTION - Only Union Plus has a Union Review Committee that ensures the Union Plus Credit Card offers benefits union members need. 100% protection against fraud — guaranteed
    • Triple PlusSM SERVICE - All service calls are answered by representatives in the United States, 24 hours a day. If you ever have a dispute with a merchant, we'll go to bat for you.
    *See website for complete terms and conditions of card usage and application disclosure.
     
    Apply for the WorldPoints Platinum MasterCard by Bank of America
    Intro APR
    (as low as)
    0%
    APR Period
    12 months
    Basic APR
    (as low as)
    9.99%
    Annual Fee
    $0
    Balance Transfer
    Intro APR
    • WorldPoints rewards: Cash, unrestricted travel, hotel benefits, car rentals, merchandise, gift certificates and more
    • Ultimate Access? rewards: Unique experiences, sports memorabilia, marquee events and more
    • Rewards Start at: 2,500 points
    • Points: 1 point per $1 in retail purchases
    • Points Limit: None
    • Points Expire: 5 years

     
    Intro APR
    (as low as)
    0%
    APR Period
    3 months
    Basic APR
    (as low as)
    14.49%
    Annual Fee
    $0
    Balance Transfer
    Intro APR
    1.99%
    • Earn Cash Back - 3% for gasoline, 3% for restaurants, 2% for travel, 1% everywhere else, including Costco.
    • No Annual Fee with your paid Costco Membership.
    • The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card.
    • The flexibility to pay charges over time.
    • No Limit on the Cash Back earned.

    *See Card Terms & Conditions
     
    Intro APR
    (as low as)
    0%
    APR Period
    6 months
    Basic APR
    (as low as)
    10.99%
    Annual Fee
    $0
    Balance Transfer
    Intro APR
    0%
    • 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, movies and many more
    • 5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
    • Up to 1% Cashback Bonus on all other purchases automatically
    • Unlimited cash rewards
    • Turn your Cashback Bonus into bigger rewards everytime when you redeem for gift cards from over 100 brand-name Partners
    • No Annual Fee
    • Online Account Access
    • Online Bill Payment

    Complete Fraud Protection for Your Peace of Mind

    • $0 Fraud Liability Guarantee
    • Advanced fraud early warning alerts
    • Secure online account numbers
    • Fraud specialists dedicated to helping you 24/7

    *View Discover® Card Rates, Fees, Rewards and Other Important Information.

     
    Intro APR
    (as low as)
    0%
    APR Period
    6 months
    Basic APR
    (as low as)
    10.99%
    Annual Fee
    $0
    Balance Transfer
    Intro APR
    3.9%
    • 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, movies and many more
    • 5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
    • Up to 1% Cashback Bonus on all other purchases automatically
    • Unlimited cash rewards
    • Turn your Cashback Bonus into bigger rewards everytime when you redeem for gift cards from over 100 brand-name Partners
    • No Annual Fee
    • Online Account Access
    • Online Bill Payment

    Complete Fraud Protection for Your Peace of Mind

    • $0 Fraud Liability Guarantee
    • Advanced fraud early warning alerts
    • Secure online account numbers
    • Fraud specialists dedicated to helping you 24/7

    *View Discover® Card Rates, Fees, Rewards and Other Important Information.

     
    Apply for the Citi Dividend Platinum Select MasterCard
    Intro APR
    (as low as)
    0%
    APR Period
    12 months
    Basic APR
    (as low as)
    8.49%
    Annual Fee
    $0
    Balance Transfer
    Intro APR
  • Earn 5% on supermarket, drugstore & gas station purchases & utilities for 6 months; 2% thereafter
  • Earn 1% on ALL other purchases
  • 0% APR on Balance Transfers for up to 12 months based on your application and credit history
  •  
    Apply for the Citi Diamond Preferred Card
    Intro APR
    (as low as)
    0%
    APR Period
    12 months
    Basic APR
    (as low as)
    8.49%
    Annual Fee
    $0
    Balance Transfer
    Intro APR
    0%
  • 0% APR on Balance Transfers and Purchases for up to 12 month based on your application and credit history.
  • After the introductory period is over, APR on purchases will be as low as a variable 8.49%, based on your application and credit history.
  • No annual fee.
  •  
    Intro APR
    (as low as)
    0%
    APR Period
    12 months
    Basic APR
    (as low as)
    14.99%
    Annual Fee
    $0
    Balance Transfer
    Intro APR
    0%
    • With Chase Travel Plus Platinum Visa® your purchases will earn miles that can be redeemed for a variety of travel rewards including airline tickets, hotel stays, cruises, and car rentals. Travel domestically or internationally with no blackout dates.
    • Earn 2 miles per $1 on travel purchases*
    • Earn 1 mile per $1 on all other purchases
    • Annual rewards fee of $29*
    • Redeem for airline tickets, cash, gift cards and more!
    • Intro 0% Fixed APR for up to 12 months
    *See terms and conditions
     
    Intro APR
    (as low as)
    0%
    APR Period
    12 months
    Basic APR
    (as low as)
    10.99%
    Annual Fee
    $0
    Balance Transfer
    Intro APR
    0%
    • Apply Now for The Chase Platinum Visa card with no annual fee. Consolidate your high interest credit card bills and save with great low rates. Transfer the balances from your higher interest rate accounts to your new Chase Platinum Visa Card and save money while receiving the Platinum privileges you deserve.
    • No Annual Fee
    • Free Online Account Access

    *See Card Terms and Conditions
     
    < 1-25 of 25 Offers >
    *Although efforts are made to present accurate credit card offer details, all information is presented without warranty. Please review information provided on the credit card application on issuer’s website (upon clicking the “Apply Now” button) for the most up-to-date terms and conditions of the credit card offer.