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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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Best Credit Cards from Credit-Land.com Credit Recommended: Excellent/Good

BALANCE TRANSFERS:

Intro APR on Balance Transfers: 0% (up to 21 months)
Regular APR: See Terms
Balance Transfer Fee: up to 3%

PURCHASES:

Intro APR on Purchases: 0% (up to 18 months)
Regular APR: See Terms

FEES:

Annual Fee: $0
Application Processing Fee: $0
Intro APR on Balance Transfers: 0% (up to 21 months)
Regular APR: See Terms
Balance Transfer Fee: up to 3%
Intro APR on Purchases: 0% (up to 18 months)
Regular APR: See Terms
Annual Fee: $0
Application Processing Fee: $0

Best Credit Cards from Credit-Land.com Credit Recommended: Excellent/Good

Card details:

Transfer and pay off your debt at 0% Intro APR on Balance Transfers for up to 21 months; ongoing variable APR applies after that.Earn up to 5% cash back or up to 2 point rewards on all purchases.$0 liability on unauthorized purchases. No annual fee.

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Barclaycard Ring™ Mastercard®See Rates & Fees Credit Recommended: Excellent

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: 10.49% Variable
Balance Transfer Fee: None

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 10.49% Variable

FEES:

Annual Fee: $0
Application Processing Fee: See terms
Intro APR on Balance Transfers: N/A
Regular APR: 10.49% Variable
Balance Transfer Fee: None
Intro APR on Purchases: N/A
Regular APR: 10.49% Variable
Annual Fee: $0
Application Processing Fee: See terms

Barclaycard Ring™ Mastercard®See Rates & Fees Credit Recommended: Excellent

Card details:

A low, variable APR on purchases, balance transfers and cash advancesNo annual feeNo balance transfer fees Show More
No foreign transaction feesChip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroadFree online access to FICO® Credit Score
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Simmons Visa® Credit Recommended: Excellent

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: 9.75% (variable)
Balance Transfer Fee: NONE

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 9.75% (variable)

FEES:

Annual Fee: NONE
Application Processing Fee: See Terms
Intro APR on Balance Transfers: N/A
Regular APR: 9.75% (variable)
Balance Transfer Fee: NONE
Intro APR on Purchases: N/A
Regular APR: 9.75% (variable)
Annual Fee: NONE
Application Processing Fee: See Terms

Simmons Visa® Credit Recommended: Excellent

Card details:

Excellent Credit Required - Applicants that do not have excellent credit will not be approved.Low 9.75% variable standard purchase APR and platinum benefits.No Annual Fee. Show More
No balance transfer fee for balances transferred in response to this online offer.
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Simmons Rewards Visa Signature® Credit Recommended: Excellent

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: 11.75% (variable)
Balance Transfer Fee: NONE

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 11.75% (variable)

FEES:

Annual Fee: NONE
Application Processing Fee: See Terms
Intro APR on Balance Transfers: N/A
Regular APR: 11.75% (variable)
Balance Transfer Fee: NONE
Intro APR on Purchases: N/A
Regular APR: 11.75% (variable)
Annual Fee: NONE
Application Processing Fee: See Terms

Simmons Rewards Visa Signature® Credit Recommended: Excellent

Card details:

Excellent Credit Required - Applicants that do not have excellent credit will not be approved.Low 11.75% variable standard purchase APR and platinum benefits.No Annual Fee. Show More
No balance transfer fee for balances transferred in response to this online offer.Travel Rewards - cardholders who enroll in the program receive one point per net dollar spent.Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions.Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants.
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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.