Balance Transfer Credit Card Applications

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Free Balance Transfer:

0% Intro APR for Up to 21 months!

Balance transfer credit cards give you an opportunity to pay off your debt on more advantageous terms. Switching to another credit card with 0% APR on balance transfer, you can get rid of your debt and save a lot of money. Fill out an application form online for any card you like and apply.
FEATURED BALANCE TRANSFER OFFERS for OCTOBER 2017:
CHOICE OF
2017
$0 Annual Fee.
0% intro APR on Balance Transfers for 21 months.
Earn up to 5% Cash Back.+
0% intro APR on Balance Transfers for 18 months.
Discover it® - 18 Month Balance Transfer Offer
Only for Excellent, Good Credit History
See card details

Other Balance Transfer Credit Cards:

0% Balance Transfer
Credit Cards
NO Balance Transfer
FEE Credit Cards
Citi Simplicity® Card - No Late Fees Ever
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Key Feature: 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.99% - 24.99% based on your creditworthiness*
Expert Rating:
Summary of Card Features:
Intro APR on Bal. Tr.Fee on Bal. Tr.Intro APR
on Purch.
Regular APRAnnual Fee
0%* (21 months on Balance Transfers*)3%0%* intro on purchases (21 months on Purchases*)14.99% - 24.99% (Variable)$0*
Card Details:
  • 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 14.99% - 24.99% based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • 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
More details
Our Expert Opinion
  • Zero intro APR on purchases and balance transfers.
  • No late fees or penalty rate.
  • No annual fee.

  • No rewards program.
See card details
Barclaycard CashForward™ World Mastercard®
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Key Feature: Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening
Expert Rating:
Summary of Card Features:
Intro APR on Bal. Tr.Fee on Bal. Tr.Intro APR
on Purch.
Regular APRAnnual Fee
0% (15 months (on balance transfers made within 45 days of account opening))3%0% (15 months)15.99%, 20.99% or 25.99% Variable$0
Card Details:
  • Get a $200 cash rewards bonus after you spend $1,000 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 a U.S. checking or savings 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
  • Enjoy a 0% introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on balance transfers for each balance transfer made within 45 days of account opening. After that a variable APR will apply, 15.99%, 20.99% or 25.99%, based on your creditworthiness. Please note, there is a fee for balance transfers
  • No annual fee
More details
Our Expert Opinion
  • Cash back rewards.
  • 0% intro APR on purchases and balance transfers.
  • No annual fee.

  • Balance transfer fee applies to each balance transfer.
  • Has a foreign transaction fee.
See card details
Citi® / AAdvantage® Gold World Elite™ Mastercard®
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Key Feature: Earn 25,000 American Airlines AAdvantage® bonus miles after making $750 in purchases within the first 3 months of account opening*
Expert Rating:
Summary of Card Features:
Intro APR on Bal. Tr.Fee on Bal. Tr.Intro APR
on Purch.
Regular APRAnnual Fee
0%* (15 months on Balance Transfers)3%0%* intro on purchases (15 months on Purchases*)16.99% - 24.99%* (Variable)$50, waived for first 12 months*
Card Details:
  • 0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 16.99% - 24.99% based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • Earn 25,000 American Airlines AAdvantage® bonus miles after making $750 in purchases within the first 3 months of account opening*
  • Receive 25% savings on in-flight food and beverage purchases when you use your card on American Airlines flights*
  • Earn 1 AAdvantage® mile for every $1 spent on purchases
  • Reduced Mileage Awards: Fly for 5,000 fewer AAdvantage® miles roundtrip to select destinations
More details
Our Expert Opinion
  • Allows to earn AAdvantage miles.
  • 0% intro APR on purchases and balance transfers.
  • 25% savings on eligible inflight purchases.

  • Balance transfer fee applies.
  • Has an annual fee.
See card details
Excellent, Good Credit
Discover it® - Cashback Match™
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Key Feature: You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
Expert Rating:
Summary of Card Features:
Intro APR on Bal. Tr.Fee on Bal. Tr.Intro APR
on Purch.
Regular APRAnnual Fee
0% (14 months)3%0% (14 months)11.99% - 23.99% Variable$0
Card Details:
  • New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
More details
Our Expert Opinion
  • New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when you activate. Plus, 1% cash back on all other purchases.

See card details
Excellent Credit
JetBlue Plus Card
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Key Feature: Earn 30,000 bonus points after you spend $1,000 on purchases within the first 90 days
Expert Rating:
Summary of Card Features:
Intro APR on Bal. Tr.Fee on Bal. Tr.Intro APR
on Purch.
Regular APRAnnual Fee
0% introductory APR (First 12 billing cycles following each balance transfer that posts to account within 45 days of account opening)3%N/A12.99%, 20.99% or 25.99% variable$99
Card Details:
  • Earn 30,000 bonus points after you spend $1,000 on purchases within the first 90 days
  • Earn 6 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
  • Earn 5,000 bonus points every year after your account anniversary
  • 50% savings on eligible inflight purchases like cocktails and food & the primary cardmember's first checked bag is free on JetBlue-operated flights
  • Enjoy TrueBlue Mosaic benefits for one year after you spend $50,000 or more on purchases each calendar year with your card
  • Enjoy a $100 statement credit after purchasing a JetBlue Vacations package of $100 or more with your JetBlue Plus Card
More details
Our Expert Opinion
  • Earn points and redeem for JetBlue-operated flights.
  • Earn account anniversary points every year.
  • 0% intro APR on balance transfer.

  • Has an annual fee.
See card details
Capital One® Quicksilver® Cash Rewards Credit Card
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Key Feature: Earn unlimited 1.5% cash back on every purchase, every day
Expert Rating:
Summary of Card Features:
Intro APR on Bal. Tr.Fee on Bal. Tr.Intro APR
on Purch.
Regular APRAnnual Fee
0% intro on balance transfers for 9 months3%0% intro on purchases for 9 months13.99% - 23.99% (Variable)$0
Card Details:
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 13.99%-23.99% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.99%-23.99% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
More details
Our Expert Opinion
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018

See card details
Citi® Double Cash Card – 18 month BT offer
Compare
Key Feature: 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.
Expert Rating:
Summary of Card Features:
Intro APR on Bal. Tr.Fee on Bal. Tr.Intro APR
on Purch.
Regular APRAnnual Fee
0%* (18 months on Balance Transfers*)3%N/A14.49% - 24.49%* (Variable)$0*
Card Details:
  • 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 14.49% - 24.49% 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*
More details
Our Expert Opinion
  • 0% Intro APR on Balance Transfers for 18 months.
  • Earn cash back as you pay for your purchases.
  • No annual fee.

  • Balance transfer fee applies.
See card details
Excellent Credit
Visa® Platinum
Compare
Key Feature: No Annual Fee
Expert Rating:
Summary of Card Features:
Intro APR on Bal. Tr.Fee on Bal. Tr.Intro APR
on Purch.
Regular APRAnnual Fee
N/A0%N/A9.25% (variable)NONE
Card Details:
  • 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.
More details
Our Expert Opinion
  • No Balance Transfer Fee.
  • Low variable APR.
  • No annual fee.

  • No 0% Intro APR on Balance Transfers.
See card details
Excellent Credit
Visa® Platinum Rewards
Compare
Key Feature: Travel Rewards
Expert Rating:
Summary of Card Features:
Intro APR on Bal. Tr.Fee on Bal. Tr.Intro APR
on Purch.
Regular APRAnnual Fee
N/A0%N/A11.25% (variable)NONE
Card Details:
  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved.
  • Low 11.25% 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.
More details
Our Expert Opinion
  • Low variable APR.
  • No annual fee.
  • No Balance Transfer Fee.
  • Travel Rewards.

  • No Intro APR.
See card details

What is Balance Transfer Credit Card

So, let’s try to understand what is credit card balance transfer. Balance transfer is when you move your credit card debt from one card, usually with high APR, into another one with lower or zero interest. As a result, balance transfer makes it possible to pay off debts on better terms and save money. Low interest credit cards are offered by most credit card issuers so you have wide range of cards to choose from and compare with.

Many issuers will allow you to transfer your balance from your current card or cards to another one with a lower interest rate and probably without any fees. Banks offer no balance transfer fee credit cards and cards with 0% intro APR on balance transfer. However, a rare issuer will combine 0% interest with no balance transfer fee on one credit card. But 0% interest on balance transfers, 0% intro APR on purchases and no annual fee are often go together on one interest free credit card.

Such option as debt consolidation is also possible with balance transfer credit cards. But note that balance you are going to transfer should not exceed the credit limit on your new card. Also, 0% interest or low intro period usually lasts from 6 to 21 months and you'd better clear your debt before this period is over.

Learn more about Balance Transfer! Use CreditLand Resources:

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Balance Transfer for Limited Credit Credit Cards

When you apply for a balance transfer card you should know your credit score. Most banks offer such cards only to cardholders with good or excellent credit. If you have bad credit history or limited/no credit, you'll appear too risky to any lender. Short credit history and your debt won't show you in favorable light.

Usually credit card issuers place high charges on applicants with limited credit history. And it will be hard enough to find a balance transfer credit card with 0% intro APR on balance transfer and without balance transfer fee. However, there are balance transfer credit cards for limited credit with attractive terms. Banks may not offer you super low APR on balance transfers. The balance transfer fee is usually around 3% of the amount transferred, so transferring your debt for free to a new card that has better terms is a money-saving opportunity even if there is no zero interest on balance transfer.

See no balance transfer fee credit card offer>>

Balance Transfer Video

Balance Transfer: Save on Average $1,400

May 08, 2015

Balance Transfer Calculator

Balance Transfer Calculator helps you determine how much you can save on interest by transferring your balance to a lower interest rate card. Thus you can optimize your debt. Just enter all the data needed and this calculator will determine which balance transfer offer will produce greatest savings. Balance Transfer Calculator will help you to choose the balance transfer credit card that fits your needs.

Balance Transfer with Your Favorite Bank

With Discover, Capital One, Citi or Chase, you’ll definitely find a no interest credit card to transfer your debt. Just remember one thing when you choose a 0% percent credit card: you won’t be able to transfer your debt between credit cards issued by one bank.

Here are other things to consider. Zero interest rate is valid within an introductory period only. This intro period can last for up to 21 months. Once the 0% intro APR is over, a regular rate will apply.

Balance transfer credit cards may also haveno balance transfer fee, 0% intro APR on purchases and no annual fee. Such attractive feature as no fee on balance transfer is rare and is usually available to those with good credit.

You can transfer debt from up to four cards at once. Butmake sure you do not transfer more than the credit limit on your new card or the transaction will be canceled. You’ll lose time and your long introductory period won’t be that long any more. So be attentive when you request a balance transfer.

+ Earn 5% cash back at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when you activate. Plus, 1% cash back on all other purchases.