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 FEBRUARY 2017:
CHOICE OF
2017
Earn up to 5% Cash Back.+
0% intro APR on Balance Transfers for 21 months.
$0 Annual Fee.
0% intro APR on Balance Transfers for 21 months.
Only for Excellent, Good Credit History
Only for Excellent/Good Credit History

Other Balance Transfer Credit Cards:

0% Balance Transfer
Credit Cards
NO Balance Transfer
FEE Credit Cards
Barclaycard CashForward™ World MasterCard®
Compare
Key Feature: Get a $100 cash rewards bonus after you spend $500 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%N/A15.24%, 20.24% or 25.24%* Variable$0
Card Details:
  • 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% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that a variable APR will apply, 15.24%, 20.24% or 25.24%, based on your creditworthiness. Please note, there is a fee for balance transfers
  • No annual fee
Our Expert Opinion
  • 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

See card details
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 13.99%-23.99% 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)*3%0% (21 months)*13.99% - 23.99% (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 13.99% - 23.99% 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.
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
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 months13.49% - 23.49% (Variable)$0
Card Details:
  • One-time $100 cash bonus after you spend $500 on purchases within 3 months of approval
  • 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
  • 0% intro APR on purchases for 9 months; 13.49%-23.49% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.49%-23.49% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
Our Expert Opinion
  • One-time $100 cash bonus after you spend $500 on purchases within 3 months of approval
  • 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

See card details
Excellent, Good Credit
Discover it® - Cashback Match™
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Key Feature: 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)11.49% – 23.49% Variable$0
Card Details:
  • 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 in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, unlimited 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 FICO® Credit Score for free on monthly statements and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Our Expert Opinion
  • 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 in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.

See card details
Barclaycard Arrival Plus™ World Elite MasterCard®
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Key Feature: Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $500 travel statement credit
Expert Rating:
Summary of Card Features:
Intro APR on Bal. Tr.Fee on Bal. Tr.Intro APR
on Purch.
Regular APRAnnual Fee
0% (12 months (on balance transfers made within 45 days of account opening))3%N/A16.49%, 20.49% or 23.49%* Variable$89 - waived first year
Card Details:
  • Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $500 travel statement credit
  • Earn 2X miles on all purchases
  • Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.49%, 20.49% or 23.49%, based on your creditworthiness. Please note, there is a fee for balance transfers
Our Expert Opinion
  • Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $500 travel statement credit
  • Earn 2X miles on all purchases
  • Get 5% miles back to use toward your next redemption, every time you redeem

See card details
Citi® Double Cash Card – 18 month BT offer
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Key Feature: 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99% 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% (18 months)*3%N/A13.99% - 23.99%* (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 13.99% - 23.99% 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*
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
Capital One® VentureOne® Rewards Credit Card
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Key Feature: Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of approval, equal to $200 in travel
Expert Rating:
Summary of Card Features:
Intro APR on Bal. Tr.Fee on Bal. Tr.Intro APR
on Purch.
Regular APRAnnual Fee
N/A$00% intro on purchases for 12 months12.49% - 22.49% (Variable)$0
Card Details:
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of approval, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 12.49%-22.49% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles don’t expire and there’s no limit to how many you can earn
Our Expert Opinion
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of approval, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime

See card details
Average, Fair, Limited Credit
Capital One® Platinum Credit Card
Compare
Key Feature: Pay 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/A$0N/A24.99% (Variable)$0
Card Details:
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help strengthen your credit for the future with responsible card use
Our Expert Opinion
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen

See card details
Barclaycard Ring™ Mastercard®
Compare
Key Feature: No balance transfer fees
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))None0% (15 months)13.49% Variable$0
Card Details:
  • 0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.49%
  • No balance transfer fees
  • No foreign transaction fees
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Free online access to FICO® Credit Score
Our Expert Opinion
  • 0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.49%
  • No balance transfer fees
  • No foreign transaction fees

See card details
Capital One® QuicksilverOne® Cash Rewards Credit Card
Compare
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
N/A$0N/A24.99% (Variable)$39
Card Details:
  • 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 access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Help strengthen your credit for the future with responsible card use
Our Expert Opinion
  • 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 access to a higher credit line after making your first 5 monthly payments on time

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:

CREDIT CARD RESEARCH
Starting from Zero: A Guide to Zero-Percent Balance Transfers Just after college, when I was a new user of credit cards and trying to pay off some debt I’d managed to accrue with a student credit card, a ...
Discover Cards: Breaking Through Zero APR and Cash Back Rewards Program Discover offers two rewarding credit cards to the consumers with excellent credit history. These two Discover cards look the same but they are ...
Simplicity ard from Citi: interest free introductory period with no late fees and no penalty APR The Simplicity card from Citi lives up to its name – a simple card with a few great benefits. A 0% introductory interest offer on balance transfers ...

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.

* Click apply to read the full Terms and Conditions.

+ Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.