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Best Balance Transfer Credit Cards

If you are currently carrying a lot of debt on a credit card with a high interest rate, a balance transfer credit card can be your ticket to a fresh start. These cards let you move the balance that you owe on one credit card over to a new one. This will get you better rates on the debt that you already have, and any additional purchases you might make. Using balance transfer cards can keep your payments manageable, and eventually help get you out from under your debt.
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Capital One® Card Finder Tool Credit Recommended: N/A

BALANCE TRANSFERS:

Intro APR on Balance Transfers: See Terms
Regular APR: See Terms
Balance Transfer Fee: See Terms

PURCHASES:

Intro APR on Purchases: See Terms
Regular APR: Various Rates

FEES:

Annual Fee: See Terms
Application Processing Fee: See terms
Intro APR on Balance Transfers: See Terms
Regular APR: See Terms
Balance Transfer Fee: See Terms
Intro APR on Purchases: See Terms
Regular APR: Various Rates
Annual Fee: See Terms
Application Processing Fee: See terms

Capital One® Card Finder Tool Credit Recommended: N/A

Card details:

Find card offers you may be eligible for without affecting your credit scoreGet matched to features you want like low intro rates, cash back or miles, and moreSee your card matches in less than 60 seconds Show More
Find a card for where you are to help you prepare for what’s aheadAll Capital One cards come with fraud coverage if your card is lost or stolen24/7 account access including mobile app for fast and easy account management - right from your smartphonePick the monthly payment due date that works best for youPay the way you want - by check, online, or at a local branch
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Capital One® Quicksilver® Cash Rewards Credit Card Credit Recommended: Excellent, Good

BALANCE TRANSFERS:

Intro APR on Balance Transfers: 0% intro on balance transfers until February 2017
Regular APR: 13.24% - 23.24% (Variable)
Balance Transfer Fee: 3%

PURCHASES:

Intro APR on Purchases: 0% intro on purchases until February 2017
Regular APR: 13.24% - 23.24% (Variable)

FEES:

Annual Fee: $0
Application Processing Fee: See terms
Intro APR on Balance Transfers: 0% intro on balance transfers until February 2017
Regular APR: 13.24% - 23.24% (Variable)
Balance Transfer Fee: 3%
Intro APR on Purchases: 0% intro on purchases until February 2017
Regular APR: 13.24% - 23.24% (Variable)
Annual Fee: $0
Application Processing Fee: See terms

Capital One® Quicksilver® Cash Rewards Credit Card Credit Recommended: Excellent, Good

Card details:

One-time $100 cash bonus after you spend $500 on purchases within the first 3 monthsEarn unlimited 1.5% cash back on every purchase, every dayNo rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn Show More
0% intro APR on purchases until February 2017; 13.24%-23.24% variable APR after thatBalance transfers also have a 0% intro APR until February 2017; 13.24%-23.24% variable APR after that; a 3% fee applies to each balance transferredPay no annual fee or foreign transaction fees
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Barclaycard CashForward™ World MasterCard® Credit Recommended: Excellent

BALANCE TRANSFERS:

Intro APR on Balance Transfers: 0% (12 months)
Regular APR: 15.24%, 19.24% or 23.24%* Variable
Balance Transfer Fee: 3%

PURCHASES:

Intro APR on Purchases: 0% (12 months)
Regular APR: 15.24%, 19.24% or 23.24%* Variable

FEES:

Annual Fee: $0
Application Processing Fee: See terms
Intro APR on Balance Transfers: 0% (12 months)
Regular APR: 15.24%, 19.24% or 23.24%* Variable
Balance Transfer Fee: 3%
Intro APR on Purchases: 0% (12 months)
Regular APR: 15.24%, 19.24% or 23.24%* Variable
Annual Fee: $0
Application Processing Fee: See terms

Barclaycard CashForward™ World MasterCard® Credit Recommended: Excellent

Card details:

Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account openingEarn unlimited 1.5% cash rewards on every purchaseEvery time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption Show More
Redeem your cash rewards for a deposit into your bank account, a statement credit or gift cards. Redemptions start at $50Cash rewards do not expire as long as your account is open, active and in good standing0% 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 creditworthinessNo annual fee
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Capital One® QuicksilverOne® Cash Rewards Credit Card Credit Recommended: Average, Fair, Limited

BALANCE TRANSFERS:

Intro APR on Balance Transfers: 0% intro on balance transfers until February 2017
Regular APR: 23.24% (Variable)
Balance Transfer Fee: $0

PURCHASES:

Intro APR on Purchases: 0% intro on purchases until February 2017
Regular APR: 23.24% (Variable)

FEES:

Annual Fee: $39
Application Processing Fee: See terms
Intro APR on Balance Transfers: 0% intro on balance transfers until February 2017
Regular APR: 23.24% (Variable)
Balance Transfer Fee: $0
Intro APR on Purchases: 0% intro on purchases until February 2017
Regular APR: 23.24% (Variable)
Annual Fee: $39
Application Processing Fee: See terms

Capital One® QuicksilverOne® Cash Rewards Credit Card Credit Recommended: Average, Fair, Limited

Card details:

Earn unlimited 1.5% cash back on every purchase, every dayNo rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn0% intro APR on purchases until February 2017; 23.24% variable APR after that Show More
Get access to a higher credit line after making your first 5 monthly payments on timeFraud coverage if your card is ever lost or stolen
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Barclaycard Arrival™ World MasterCard® Credit Recommended: Excellent/Good

BALANCE TRANSFERS:

Intro APR on Balance Transfers: 0% (12 months)
Regular APR: 16.24%, 20.24% or 24.24%* Variable
Balance Transfer Fee: 3%

PURCHASES:

Intro APR on Purchases: n/a
Regular APR: 16.24%, 20.24% or 24.24%* Variable

FEES:

Annual Fee: $0
Application Processing Fee: See terms
Intro APR on Balance Transfers: 0% (12 months)
Regular APR: 16.24%, 20.24% or 24.24%* Variable
Balance Transfer Fee: 3%
Intro APR on Purchases: n/a
Regular APR: 16.24%, 20.24% or 24.24%* Variable
Annual Fee: $0
Application Processing Fee: See terms

Barclaycard Arrival™ World MasterCard® Credit Recommended: Excellent/Good

Card details:

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 creditEarn 2X miles on travel & dining and 1X miles on all other purchasesGet 5% miles back to use toward your next redemption, every time you redeem Show More
Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroadNo foreign transaction fees on anything you buy while in another country0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR will apply, currently 16.24%, 20.24% or 24.24%, depending on your creditworthinessComplimentary online FICO® Credit Score access for Barclaycard Arrival cardmembers
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Barclaycard Arrival Plus™ World Elite MasterCard® Credit Recommended: Excellent/Good

BALANCE TRANSFERS:

Intro APR on Balance Transfers: 0% (12 months)
Regular APR: 16.24% or 20.24%* Variable
Balance Transfer Fee: 3%

PURCHASES:

Intro APR on Purchases: n/a
Regular APR: 16.24% or 20.24%* Variable

FEES:

Annual Fee: $89 - waived first year
Application Processing Fee: See terms
Intro APR on Balance Transfers: 0% (12 months)
Regular APR: 16.24% or 20.24%* Variable
Balance Transfer Fee: 3%
Intro APR on Purchases: n/a
Regular APR: 16.24% or 20.24%* Variable
Annual Fee: $89 - waived first year
Application Processing Fee: See terms

Barclaycard Arrival Plus™ World Elite MasterCard® Credit Recommended: Excellent/Good

Card details:

Earn 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $400 travel statement creditEarn 2X miles on all purchasesGet 5% miles back to use toward your next redemption, every time you redeem Show More
Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroadNo foreign transaction fees on anything you buy while in another country0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR will apply, currently 16.24% or 20.24%, depending on your creditworthinessComplimentary online FICO® Credit Score access for Barclaycard Arrival cardmembers
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Chase Slate® Credit Recommended: Excellent / Good

BALANCE TRANSFERS:

Intro APR on Balance Transfers: 0% (15 months)2
Regular APR: 13.24% - 23.24% Variable2
Balance Transfer Fee: See terms

PURCHASES:

Intro APR on Purchases: 0% (15 months)2
Regular APR: 13.24% - 23.24% Variable2

FEES:

Annual Fee: None2
Application Processing Fee: See terms
Intro APR on Balance Transfers: 0% (15 months)2
Regular APR: 13.24% - 23.24% Variable2
Balance Transfer Fee: See terms
Intro APR on Purchases: 0% (15 months)2
Regular APR: 13.24% - 23.24% Variable2
Annual Fee: None2
Application Processing Fee: See terms

Chase Slate® Credit Recommended: Excellent / Good

Card details:

Chase Slate named Best Credit Card for Balance Transfers three years in a row by MONEY Magazine.2$0 intro fee for balance transfers within the first 60 days of account opening.20% intro APR for 15 months on purchases and balance transfers.2 Show More
Free Monthly FICO® Score and Credit Dashboard.2No Penalty APR - Paying late won´t raise your interest rate (APR). All other account pricing and terms apply.2$0 Annual Fee.2See additional Chase Slate® details.2
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Barclaycard Ring MasterCard® Credit Recommended: Excellent

BALANCE TRANSFERS:

Intro APR on Balance Transfers: n/a
Regular APR: 8.25%* Variable
Balance Transfer Fee: None

PURCHASES:

Intro APR on Purchases: n/a
Regular APR: 8.25%* Variable

FEES:

Annual Fee: $0
Application Processing Fee: See terms
Intro APR on Balance Transfers: n/a
Regular APR: 8.25%* Variable
Balance Transfer Fee: None
Intro APR on Purchases: n/a
Regular APR: 8.25%* Variable
Annual Fee: $0
Application Processing Fee: See terms

Barclaycard Ring MasterCard® Credit Recommended: Excellent

Card details:

No Balance Transfer Fees - start saving immediately!A low variable APR on balance transfers and purchasesNo Annual Fee Show More
Choose your card benefits and featuresGet rewarded through the new Giveback™ program, where Barclaycard Ring members get money back for good performanceGet exclusive access to our online community and vote on the card features you like and view the financials of the Barclaycard Ring MasterCard onlineLearn more about personal finance from Barclaycard and other membersComplimentary FICO® Credit Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account
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BankAmericard Cash Rewards™ Credit Card Credit Recommended: Excellent

BALANCE TRANSFERS:

Intro APR on Balance Transfers: 0% (12 billing cycles for balance transfers made in the first 60 days)3
Regular APR: 13.24% - 23.24% Variable3
Balance Transfer Fee: 3%3

PURCHASES:

Intro APR on Purchases: 0% (12 billing cycles)3
Regular APR: 13.24% - 23.24% Variable3

FEES:

Annual Fee: None3
Application Processing Fee: $0
Intro APR on Balance Transfers: 0% (12 billing cycles for balance transfers made in the first 60 days)3
Regular APR: 13.24% - 23.24% Variable3
Balance Transfer Fee: 3%3
Intro APR on Purchases: 0% (12 billing cycles)3
Regular APR: 13.24% - 23.24% Variable3
Annual Fee: None3
Application Processing Fee: $0

BankAmericard Cash Rewards™ Credit Card Credit Recommended: Excellent

Card details:

$100 online cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.3Earn 1% cash back on every purchase, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery/gas purchases each quarter.3No annual fee.3 Show More
Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account.3Introductory 0% APR for your first 12 billing cycles for purchases, and for any balance transfers made within 60 days of opening your account. After that, a Variable APR that's currently 13.24% to 23.24% will apply. 3% fee (min $10) applies to balance transfers.3See additional BankAmericard Cash Rewards™ Credit Card details.3
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Transfer Your Balances - Save Your Money

There are many credit card companies that offer 0% intro APR balance transfer offers. Balance transfer cards allow moving balances from existing credit cards to a low interest credit card or to a 0% intro APR credit card. The biggest advantage of such offers is that if you manage to pay down your entire transferred balances before the introductory period of the card expires, you can avoid interest charges. Thus you may save hundreds of dollars.

A typical introductory period lasts at least 6 months. During this period, you can significantly decrease your credit card debt and increase your credit scores. As one of the greatest cards on the market, a balance transfer credit card can help minimize and eliminate your credit card debt.

Not sure which card to choose?

Ask your question to our experts: explain your financial situation and you'll get personal financial consultation by email.

Frequently Asked Questions:

What are the best 0% balance transfer credit cards with no fees?

Today most balance transfer credit cards come with a balance transfer fee which is usually around 3% of transferred amount. The fee is not big and you will definitely be able to save more on a balance transfer. As for the best balance transfer credit card, it depends on your preferences, financial situation and whether you are going to keep the card after the balance is paid off. Of course the most logical solution can be the card with the longest 0% interest introductory period, but if you consider the fees, interest rates and take into account your needs, the answer can be absolutely different from what you expected.

How to transfer credit card balance to another card?

The balance transfer procedure is quite simple. When you accept a balance transfer offer, some credit card issuers can offer you to transfer your balance while you are filling out the application. If there is no such offer, you will have to wait for your credit card to arrive and only then you will be able to request a balance transfer by contacting the credit card issuer. When requesting the balance transfer, you will need to provide the credit account from which you want to transfer and the amount you want to transfer. Remember, you won’t be able to transfer more than the credit limit on your new credit card. Once your balance transfer request is approved the credit card issuer will do all the rest. You will only need to pay fees and make payments when and if needed.

What is a balance transfer? How does it work?

A balance transfer is when you are transferring balances from existing card to a new one in order to pay the balances off, usually at a lower or 0% interest rate. You can only transfer an amount up to the credit limit on your new credit card. When you respond to a balance transfer offer, you will need to indicate the account numbers you want to pay and how much. (Note that balance transfers between cards issued by the same bank are not possible.) Once the balance transfer is approved, the credit card company transfers the balance. The process can take up to two weeks, so make sure you continue paying the due bills with all your creditors. Credit card balance transfers often charge a balance transfer fee. The fee is usually 3% to 5% of transferred amount. However, it is possible to find a card with a $0 balance transfer fee.

How long does a balance transfer take? What is the average time of balance transfer?

The balance transfer process can take up to two weeks. But it is usually takes around seven days to initiate, process and to post a balance transfer. So take this into account if you make calculations. Also, if you have any payments due on the credit accounts you are transferring from, you will need to make those payments by their due dates to avoid late fees.