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Balance Transfer Credit Cards

We reviewed several balance transfer credit cards and complied a listing of the Top 5 in which we feel offer the best benefit to consumers. The majority of people who have a credit card carry a balance every month. Most of these balances are being charged interest. With so many credit card balance transfer deals available with 0% interest for a set period of time, why should you continue paying interest? You can save hundreds if not thousands of dollars every year by taking advantage of one of these 0% balance transfer credit card offers.

The major banks are looking for new cardholders and are willing to compete for your business by offering really competitive rates. The balance transfer rates being offered online today are better than the rates offer prior to the recession. It would have been hard to find a few years ago a 0% balance transfer intro rate for 18 or 24 months, but there are a few available today. Please review our Top 5 Balance Transfer Cards list and select the card that is right for you.

Citi Simplicity® Card

0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% – 21.99% based on your creditworthiness.
There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
No late fees – EVER
No penalty rate – EVER
No annual fee – EVER
Save time when you call with fast, personal help, 24 hours a day.

Intro Purchase APR
0% for 18 months*

Intro Balance Trans. APR
0% for 18 months*

APR
12.99%-21.99%*(Variable)

Annual Fee
$0*

Citi® Diamond Preferred® Card

Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%- 21.99% based upon your creditworthiness.*
There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
Citi® Price Rewind searches for a lower price. Learn how you can get lower price after you purchase an item.
Let our 24/7 concierge service help book your hotel rooms, flights and more.
Enjoy special access to presale tickets, preferred seating, VIP packages, and unique entertainment experiences through Citi Private Pass®.
$0 liability on unauthorized purchases and Citi® Identity Theft Solutions
No annual fee*

Intro Purchase APR
0% for 18 months*

Intro Balance Trans. APR
0% for 18 months*

APR
11.99% – 21.99% Variable*

Annual Fee
$0*

Discover it®

The new Discover it card is out to change the way people think about credit cards.
Fair…No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won’t increase your APR for paying late.*
Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
Flexible…Choose your own due date and pay up to midnight ET online or by phone.
Human…talk to a real person any time with 100% U.S.-based service.
0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% – 22.99%.
0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99%-22.99%. *Click apply for Terms & Conditions.

Intro Purchase APR
0% for 6 months*

Intro Balance Trans. APR
0% for 18 months*

APR
10.99% – 22.99% (V)*

Annual Fee
$0

Capital One® Platinum Prestige Credit Card

0% intro APR until September 2014 on balance transfers
0% intro APR until September 2014 on purchases
No annual fee
$0 Fraud Liability if your card is lost or stolen
24-hour travel assistance gives you a replacement card and cash advance
24-hour roadside assistance
Pick an image for your card — choose the one shown here, any of the hundreds in our collection, or add your own

Intro Purchase APR
0% until September 2014

Intro Balance Trans. APR
0% until September 2014

APR
10.9% – 18.9% (V)

Annual Fee
$0

Citi® Dividend Platinum Select® Visa® Card- $100 Cash Back

$100 cash back after $500 in purchases within the first 3 months of account opening
0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
Earn 5% cash back from Citi at Home Depot, Home furnishing stores and home and garden stores between 4/1/13 and 6/30/13, with enrollment
Enroll at no additional cost each quarter for new categories that earn additional cash back
Full 1% cash back on all other purchases and eligible cash advances.
No Annual Fee*

Intro Purchase APR
0% for 12 months*

Intro Balance Trans. APR
0% for 12 months*

APR
12.99% – 22.99% Variable*

Annual Fee
$0*

Capital One® Cash Rewards

$100 Bonus after you spend $500 on purchases within the first 3 months
50% bonus on the cash back you earn every year
1% cash back on all purchases
No annual fee
Earn unlimited cash back that doesn’t expire
Redeem cash back anytime for any amount, even set automatic redemptions
Personalize your card with an image of your choice
0% intro APR on purchases and balance transfers until June 2014.

Intro Purchase APR
0% for until June 2014*

Intro Balance Trans. APR
0% for until June 2014*

APR
12.9% – 20.9% (V)

Annual Fee
None

U.S. Bank Visa® Platinum Card

0% Intro APR* on purchases and balance transfers for 15 billing cycles
No annual fee*
Free access to monthly credit score
Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum
$0 fraud liability* for unauthorized transactions if your card is ever lost or stolen
Fraud Protection detects and notifies you of any unusual card activity to help prevent fraud
Online account management and account alerts

Intro Purchase APR
0% for 15 months*

Intro Balance Trans. APR
0% for 15 months*

APR
13.99%-23.99%*(Variable)

Annual Fee
$0

Rating: 4.1/5 (22 votes cast)

Balance Transfer Credit Cards, 4.1 out of 5 based on 22 ratings

0% Balance Transfer Credit Card Applications

It is a great time to be applying for a balance transfer credit card. The big national credit card issuers are competing heavily to be your card of choice. We are seeing 0% balance transfer credit card offers ranging from 12 months all the way to 24 months. These are some of best balance transfer deals ever on the internet. The credit card issuers weren’t even offering these deals prior to the financial meltdown. Many consumers are still carrying a sizeable amount of debt on their credit cards while paying higher amount of interest than they need to. If you want to get ahead and start paying down those credit cards you should really consider comparing the 0% balance transfer credit card applications above. The money you save can help really make a difference.

Credit Card Balance Transfer Deals & Promotions

The most popular credit cards around are offering some sort of balance transfer deal. Those introductory rates range from 6 months all the way to 24 months for the cards being offered online. The two most aggressive banks with promotions are Discover Card and Citibank. They currently offer the longest introductory rates online. Several banks had cancelled the cards of their customers when the financial crisis hit, so Discover Card and Citibank are looking to pick many of those customers up and put them into their portfolios. Along with the long introductory rates, many of these cards offer rewards such as cash back as an additional incentive to apply and use their cards.

Zero Percent Balance Transfers with No Transfer Fees

Almost all of the credit card balance transfer deals being offered by the banks today are charging balance transfer fees. Those fees range from 3 to 5 percent of the total balance that you are transferring over. While the times of no balance transfer fees may be gone, that isn't necessarily a bad thing. The truth is that the duration of the zero percent offers has increased considerably and that can have much greater benefits in the long term. With several low interest offers of 18 to 24 months at a zero percent interest rate, you could possibly save hundreds more than you would have with an offer of zero percent with no transfer fee of 6 months.

0% For the Life of the Balance Cards

These types of credit cards are extremely rare and most likely contain high transfer fees. These balance transfer offers are by invitation only and are only available currently by mail. These aren't something that you can request. The banks are looking for a certain credit profile, most likely 800+, and a certain income. They make these offers to gain a long-term customer and are looking to stock certain portfolios of their's with a certain type of consumer. Just because you haven't received a lifetime offer doesn't mean that you don't have access to great deals. As you can see from the offers that we rated as the best balance transfer deals, there are offers ranging from 0% for 18 months all the way to 0% for 24 months. These offers are looking for a much wider selection of applicants and have much higher approval rates.