Balance Transfer Credit Cards


  • Apply Now

    Credit Needed:
    Excellent/Good

    • The only card with no late fees, no penalty rate, and no annual fee...ever.
    • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness.
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
    • The same great rate for all balances, after the introductory period.
    • Save time when you call with fast, personal help, 24 hours a day - just say "representative"
    • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month.
    Purchases Intro APR0%*
    Purchases Intro APR Period21 months*
    Balance Transfers Intro APR0%*
    Balance Transfers Intro APR Period21 months*
    Regular APR13.24% - 23.24%* (Variable)
    Annual Fee$0*

    See Terms *

  • Apply Now

    Credit Needed:
    Excellent/Good

    • $100 Cash Back Bonus after first use of card within 90 days of account opening
    • Earn up to 10% total cash back as a Upromise member when you use your Upromise MasterCard on eligible purchases at online retailers and travel partners through Upromise.com
    • 2% cash back on eligible in-store and movie theater purchases
    • 1% cash back on all other purchases
    • No Limit to the total cash back you can earn on eligible purchases
    • No rotating reward categories
    • Complimentary FICO® Credit Score
    Purchases Intro APRN/A
    Purchases Intro APR PeriodN/A
    Balance Transfers Intro APR0%
    Balance Transfers Intro APR Period15 months, made within the first 45 days of account opening
    Regular APR14.24% - 23.24% Variable
    Annual Fee$0

    See Terms *

  • Apply Now

    Credit Needed:
    Excellent/Good

    • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 12.24%-22.24% based upon your creditworthiness.*
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
    • 24/7 access to Citi® Concierge for help in booking hotels, flights and more.
    • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
    • No annual fee*
    • Free access to FICO® Scores*
    Purchases Intro APR0%*
    Purchases Intro APR Period21 months*
    Balance Transfers Intro APR0%*
    Balance Transfers Intro APR Period21 months*
    Regular APR12.24%-22.24%* (Variable)
    Annual Fee$0*

    See Terms *

  • Apply Now

    Credit Needed:
    Good to Excellent

    • Earn 5,000 bonus points after you spend $1,000 on purchases in the first 90 days.
    • Earn 3 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases.
    • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking.
    • Points awarded in your TrueBlue account don't expire. Earn and share points together with Family Pooling.
    • 50% savings on eligible inflight purchases including cocktails, food and movies.
    • No foreign transaction fees.
    • Chip-card technology & $0 Fraud Liability protection.
    • 0% introductory APR for first 12 billing cycles on balance transfers made within 45 days of account opening. After that a variable APR will apply, 12.24%, 20.24% or 25.24%, based on your creditworthiness.
    Purchases Intro APRN/A
    Purchases Intro APR PeriodN/A
    Balance Transfers Intro APR0%
    Balance Transfers Intro APR PeriodFirst twelve billing cycles following each balance transfer that posts to account within 45 days of account opening
    Regular APR12.24%, 20.24% or 25.24% Variable
    Annual Fee$0

    See Terms *

  • Apply Now

    Credit Needed:
    Excellent Credit

    • Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account opening
    • Earn unlimited 1.5% cash rewards on every purchase
    • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
    • Redeem your cash rewards for a deposit into your bank account, a statement credit or gift cards. Redemptions start at $50
    • Cash rewards do not expire as long as your account is open, active and in good standing
    • 0% intro APR for the first 12 months on purchases. Plus, you'll get 0% introductory APR for the first 12 months on balance transfers made within 45 days of account opening.
    • After that a variable APR will apply, currently 15.24%, 19.24% or 23.24%, depending on your creditworthiness
    • No annual fee
    Purchases Intro APR0%
    Purchases Intro APR Period12 months
    Balance Transfers Intro APR0%
    Balance Transfers Intro APR Period12 months (must be completed within first forty-five days of account opening)
    Regular APR15.24%, 19.24% or 23.24%* Variable
    Annual Fee$0

    See Terms *

  • Apply Now

    Credit Needed:
    Excellent Credit

    • Special Offer - Earn 5% cash back on eligible travel purchases in the first 6 months, up to $200.
    • Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 3 months.
    • You will receive cash back in the form of statement credits.
    • Everyday Cash Back: 3% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 2% at U.S. gas stations; 1% on other purchases. Terms and limitations apply.
    • No rotating reward categories. No enrollment required.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
    • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
    • Terms and Conditions apply.

    Terms and Restrictions Apply

    Purchases Intro APR0%
    Purchases Intro APR Period12 months
    Balance Transfers Intro APR0%
    Balance Transfers Intro APR Period12 months
    Regular APR13.24%-23.24% Variable
    Annual Fee$0

    See Terms *

  • Apply Now

    Credit Needed:
    Excellent/Good

    • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
    • Balance Transfers do not earn cash back
    • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness
    • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
    • No categories to track, no caps on cash back, no annual fee*
    Purchases Intro APRN/A
    Purchases Intro APR PeriodN/A
    Balance Transfers Intro APR0%
    Balance Transfers Intro APR Period18 months*
    Regular APR13.24% - 23.24%* (Variable)
    Annual Fee$0*

    See Terms *

  • Apply Now

    Credit Needed:
    Excellent Credit

    • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
    • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits. Terms and limitations apply.
    • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
    • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.
    • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
    • Terms and Conditions apply.

    Terms and Restrictions Apply

    Purchases Intro APR0%
    Purchases Intro APR Period12 months
    Balance Transfers Intro APR0%
    Balance Transfers Intro APR Period12 months
    Regular APR13.24%-23.24% Variable
    Annual Fee$0

    See Terms *

  • Apply Now

    Credit Needed:
    Excellent/Good

    • Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 90 days — that's enough to redeem for a $200 travel statement credit
    • Earn 2X miles on travel & dining and 1X miles on all other purchases
    • Get 5% miles back to use toward your next redemption, every time you redeem
    • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
    • No foreign transaction fees on anything you buy while in another country
    • 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR currently 16.24%, 20.24% or 24.24%, depending on your creditworthiness.
    • Complimentary online FICO® Credit Score access for Barclaycard Arrival cardmembers
    Purchases Intro APRN/A
    Purchases Intro APR PeriodN/A
    Balance Transfers Intro APR0%
    Balance Transfers Intro APR Period12 months (must be completed within first forty-five days of account opening)
    Regular APR16.24%, 20.24% or 24.24%* Variable
    Annual Fee$0

    See Terms *

  • Apply Now

    Credit Needed:
    N/A

    • Save money by transferring your existing balances to a card with a 0% introductory balance transfer rate.
    • Enjoy 0% interest on balance transfers and purchases for up to 21 months.
    • Double your savings with a card that has no balance transfer fee.
    • Save even more by looking for a card with no annual fee!
    • Terms vary by partner offer. Please see each bank's application for terms and conditions.
    Purchases Intro APR0%
    Purchases Intro APR Periodup to 21 months
    Balance Transfers Intro APR0%
    Balance Transfers Intro APR Periodup to 21 months
    Regular APRN/A
    Annual FeeN/A

    See Terms *

  • Apply Now

    Credit Needed:
    Excellent Credit

    • Brushed Stainless Steel/Carbon Card-Patented Design
    • Industry-Leading Rewards
    • Double Points Value When Redeemed for Airfare
    • 1% Value for Cash Back Statement Credit Redemptions
    • Luxury Card Concierge™
    • Members-Only Luxury Magazine
    • Annual Fee: $195 ($95 for each additional account)
    Purchases Intro APRN/A
    Purchases Intro APR PeriodN/A
    Balance Transfers Intro APR0%
    Balance Transfers Intro APR Period15 months
    Regular APR15.24% Variable
    Annual Fee$195

    See Terms *

  • Apply Now

    Credit Needed:
    Excellent Credit

    • Special Offer - Earn 5% cash back on eligible travel purchases in the first 6 months, up to $200.
    • Plus, earn $150 back after you spend $1,000 in purchases on your new Card within the first 3 months.
    • You will receive cash back in the form of statement credits.
    • Everyday Cash Back: 6% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 3% at U.S. gas stations; 1% other purchases. Terms and limitations apply.
    • No rotating reward categories. No enrollment required.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
    • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
    • Terms and Conditions apply.

    Terms and Restrictions Apply

    Purchases Intro APR0%
    Purchases Intro APR Period12 months
    Balance Transfers Intro APR0%
    Balance Transfers Intro APR Period12 months
    Regular APR13.24%-23.24% Variable
    Annual Fee$95

    See Terms *

SAVE MONEY WITH 0% BALANCE TRANSFER CARDS

Getting a 0% balance transfer card that doesn't charge any interest during the introductory period can boost your finances in several important ways:

No interest credit cards allow you to consolidate high-interest debt. You can use money from 0 balance transfer cards to pay off debts from higher interest cards. Some credit card applications may also have special offers of low interest rates on balance transfers made with the application.

No interest credit cards can give your budget a cash infusion. If you have unusually high expenditures or need extra cash, a 0 APR credit card can help tide you over until your income catches up. Many 0 interest credit cards will even transfer money directly to your bank account or send you a check.

No interest credit cards can help you make purchases earlier. A 0 APR credit card gives you the option to make large purchases earlier than you otherwise could.

Many 0 APR credit cards also offer low interestcash backrewards, or frequent flyer miles. Each major section of our site also features business credit cards that offer benefits pertinent to that category.


How a balance transfer could put money in your wallet

High interest charges on a large balance can be eliminated with a 0 percent balance transfer deal... Read More

VIEW RELATED STORIES