Credit Cards » Best Balance Transfer Credit Cards

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 card, getting you better rates on the debt that you already have, and better rates for any additional purchases you might make. Using balance transfer cards can keep your interest payments manageable and affordable, and eventually help get you out from underneath your debt.

  • One-time $100 cash bonus after you spend $500 on purchases within the first 3 months.
  • Earn unlimited 1.5% cash back on every purchase, every day.
  • No 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.
  • Get a 20% Statement Credit on all Uber rides purchased with this card through April 2016.
  • 0% intro APR on purchases until March 2016; 12.9% - 22.9% variable APR after that.
  • Balance transfers also have a 0% intro APR until March 2016, a 3% fee applies to each balance transferred.
  • Pay no annual fee or foreign transaction fees.
  • Capital One® Credit Tracker - the free way to easily monitor your monthly credit score anytime, anywhere.
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
0% (until March 2016)0% (until March 2016)12.9% - 22.9% (Variable)$0
  • Find card offers you may be eligible for without affecting your credit score.
  • Get matched to features you want like low intro rates, cash back or miles, and more.
  • See your card matches in less than 60 seconds.
  • Find a card for where you are to help you prepare for what′s ahead.
  • All Capital One cards come with fraud coverage if your card is lost or stolen.
  • 24/7 account access including mobile app for fast and easy account management - right from your smartphone.
  • Pick the monthly payment due date that works best for you.
  • Pay the way you want - by check, online, or at a local branch.
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
See termsSee termsVarious RatesSee terms
  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved.
  • Low 7.25% variable standard purchase APR and platinum benefits.
  • No Annual Fee.
  • No balance transfer fee for balances transferred in response to this online offer.
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
n/an/a7.25%$0
  • USAA Bank products are only available to military members, veterans who have honorably served, and their eligible family members.
  • Earn 5% cash back on up to $3,000 in gasoline purchases per year.
  • Earn 2% cash back on up to $3,000 in supermarket purchases per year.
  • Earn 1% cash back on all other purchases with no cap.
  • Rebates are awarded every January for the purchases made the previous 12 months.
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
n/an/a11.90% to 25.90% (V)$0
  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved.
  • Low 9.25% variable standard purchase APR and platinum benefits.
  • No Annual Fee.
  • 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.
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
n/an/a9.25%$0
  • USAA Bank products are only available to military members, veterans who have honorably served, and their eligible family members.
  • Enjoy our lowest rate card.
  • Pay no annual fee, penalty APR or over-the-limit fee.
  • Get travel and retail benefits.
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
n/an/a6.90% to 23.90% (V)$0

Transfer Your Balances - Save Your Money Monthly

Balance transfer credit cards are a great resource to have when you are working in earnest to eliminate your debts. Most of them offer a no or low introductory APR for an initial period of time to help you recover faster from credit card debts.

With the increase in incidents where card issuers have jacked up credit card interest or limited your credit, many have found it harder to pay down their balances. This is especially true when dealing with the balances on multiple cards.

One of the top credit card offers on today's market is the low balance transfer card that allows you to move existing balances from other credit cards to one card with a lower APR. It can lower your overall interest rates by only having to pay on one card.

The biggest advantage of such offers is that if you can manage to pay down your entire transferred balances before the introductory period of the card expires, you can avoid accumulating interest charges. Typically, that introductory period lasts around 6 months. In that period, you can significantly decrease your credit card debt and increase your credit scores.

Balance transfer credit cards generally charge a fee for each transfer but in many cases that fee will not be as significant as the savings in interest charges, depending on how much debt you have to pay down. Always read the terms and conditions of the card agreement before signing on the dotted line. Not all offers will have the same rules.

There are many credit card companies that offer 0% APR balance transfer card offers and consumers who are able to manage their credit and finances wisely can take advantages of the benefits of such a card.

As one of greatest cards on the market today, a balance transfer card can help minimize and eliminate your credit card debts. Compare different cards and terms before committing to one company as not all offers are the same. While you may get a ton of promotional offers in the mail, it is best that you see all of your options before making a decision that is in the best interest of your financial situation.