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Best Credit Cards with 0% Intro APR on Balance Transfer from Our Partners

Balance transfers are the best way to save money if you have good or excellent credit history but carry a balance on your card. With a high interest rate, it can take decades to pay off your debt, but with an intro 0% interest rate on balance transfer offer from a reputable bank, you'll pay off your balance much faster.

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Note that these offers are for GOOD & EXCELLENT credit only. For lower credit score offers click here
Apply for Citi Rewards+<sup>®</sup> Card - Credit-Land.com APPLY NOW

on Citi's secure website

Excellent, Good Credit

0% Intro APR: Balance Transfers and Purchases

GREAT REWARDS

Rating 5.0

  • Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% (15 months)

Intro APR on Balance Transfers:
0% (15 months)

Ongoing APR:
18.24% - 28.24% (Variable)

Balance Transfer Fee:
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).

Annual Fee: $0

20,000 ThankYou® Points

Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com

Rewards

Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.

The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.

Best Balance Transfer Credit Cards

Many credit cards offer promotional 0% rates on balance transfers. Promotional periods vary from 6 to 21 months, depending on the offer. So you may have almost two years to pay off your debt. Also, 0% balance transfer credit cards may come with 0% intro APRs on purchases, with rewards and no annual fees. Below you can compare credit cards to find the best offer for you.

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Apply for Wells Fargo Reflect<sup>®</sup> Card - Credit-Land.com

Rating 4.3

APPLY NOW

Excellent/Good Credit

our choice

Intro APR on Balance Transfer
0% intro APR for up to 21 months from account opening on qualifying balance transfers
Intro APR on Purchases
0% intro APR for up to 21 months from account opening
Regular APR
17.74% - 29.74% variable APR
Balance Transfer Fee
3% for 120 days from account opening, then up to 5%; min: $5
Annual Fee
$0
  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension for 3 months with on-time minimum payments during the intro period. 17.74% to 29.74% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5.
  • $0 Annual Fee
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
  • Select "Apply Now" to learn more about the product features, terms and conditions
  • Rates & Fees

our choice

Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% intro APR for up to 21 months from account opening

Intro APR on Balance Transfers:
0% intro APR for up to 21 months from account opening on qualifying balance transfers

Ongoing APR:
17.74% - 29.74% variable APR

Balance Transfer Fee:
3% for 120 days from account opening, then up to 5%; min: $5

Annual Fee: $0

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Apply for Discover it® Balance Transfer - Credit-Land.com

Rating 5.0

APPLY NOW

on Discover's secure website

Excellent/Good Credit

our choice

Intro APR on Balance Transfer
0% Intro APR (18 months)
Intro APR on Purchases
0% Intro APR (6 months)
Regular APR
16.74% - 27.74% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Every $1 you earn in cash back is $1 you can redeem.
  • No annual fee.
  • Click through to Discover’s website to see terms and conditions.

our choice

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% Intro APR (6 months)

Intro APR on Balance Transfers:
0% Intro APR (18 months)

Ongoing APR:
16.74% - 27.74% Variable APR

Balance Transfer Fee:
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Annual Fee: $0

Rewards Bonus

INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

Rewards

Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.

Apply for Wells Fargo Active Cash<sup>®</sup> Card - Credit-Land.com

Rating 5.0

APPLY NOW

Excellent/Good Credit

our choice

Intro APR on Balance Transfer
0% intro APR for 15 months from account opening on qualifying balance transfers
Intro APR on Purchases
0% intro APR for 15 months from account opening
Regular APR
19.74%, 24.74%, or 29.74% variable APR
Balance Transfer Fee
3% for 120 days from account opening, then up to 5%; min: $5
Annual Fee
$0
  • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.74%, 24.74%, or 29.74% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
  • $0 annual fee
  • No categories to track or remember and cash rewards don't expire as long as your account remains open
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Select “Apply Now” to learn more about the product features, terms and conditions
  • Rates & Fees

our choice

Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% intro APR for 15 months from account opening

Intro APR on Balance Transfers:
0% intro APR for 15 months from account opening on qualifying balance transfers

Ongoing APR:
19.74%, 24.74%, or 29.74% variable APR

Balance Transfer Fee:
3% for 120 days from account opening, then up to 5%; min: $5

Annual Fee: $0

$200 Cash Rewards

Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months

Rewards

Earn unlimited 2% cash rewards on purchases

Apply for Citi Rewards+<sup>®</sup> Card - Credit-Land.com

Rating 5.0

APPLY NOW

on Citi's secure website

Excellent, Good Credit

our choice

Intro APR on Balance Transfer
0% (15 months)
Intro APR on Purchases
0% (15 months)
Regular APR
18.24% - 28.24% (Variable)
Balance Transfer Fee
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
Annual Fee
$0
  • Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • No Annual Fee

our choice

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% (15 months)

Intro APR on Balance Transfers:
0% (15 months)

Ongoing APR:
18.24% - 28.24% (Variable)

Balance Transfer Fee:
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).

Annual Fee: $0

20,000 ThankYou® Points

Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com

Rewards

Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.

The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.

our choice

Intro APR on Balance Transfer
0% (12 months on balance transfers made in the first 90 days after account opening)
Intro APR on Purchases
N/A
Regular APR
17.99% Variable
Balance Transfer Fee
3% fee applies to each transfer
Annual Fee
$0
  • Earn Cash Back for Everyday Purchases
  • No Caps. No Limits. No Gimmicks.
  • 2% Cash Back on all purchases for PenFed Honors Advantage Members
  • 1.5% Cash Back on all purchases made with your card
  • $100 Bonus Offer Statement Credit When you spend $1,500 in the first 90 days
  • 0% Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval. 0% introductory APR for 12 months on balance transfers made in the first 90 days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
  • Annual Fee: $0
  • Purchase Variable APR: 17.99%
  • Refer to PenFed.org for Terms/Conditions

our choice

0% Intro APR on Balance Transfers

Intro APR on Balance Transfers:
0% (12 months on balance transfers made in the first 90 days after account opening)

Ongoing APR on Balance Transfers:
17.99% on balance transfers

Balance Transfer Fee:
3% fee applies to each transfer

Annual Fee: $0

Rewards Bonus

$100 Bonus Offer Statement Credit When you spend $1,500 in the first 90 days

Rewards

Earn Cash Back for Everyday Purchases

2% Cash Back on all purchases for PenFed Honors Advantage Members

1.5% Cash Back on all purchases made with your card

Apply for First Tech Platinum Rewards Mastercard<sup>®</sup> - Credit-Land.com

Rating 4.5

APPLY NOW

on First Tech's secure website

Excellent/Good/Fair Credit

our choice

Intro APR on Balance Transfer
0% Intro APR for 12 billing cycles on balance transfers made in the first 90 days
Intro APR on Purchases
N/A
Regular APR
12.49% - 18.00% Variable APR
Balance Transfer Fee
None
Annual Fee
None
  • Earn 10,000 bonus Rewards Points when you spend $2,000 in the first 60 days
  • Earn 1 point for every $1 spent on everyday purchases
  • No annual fee or balance transfer fee
  • Points never expire while account is open and in good standing
  • Redeem points for travel, merchandise, events and activities, charitable donations, and gift cards

our choice

0% Intro APR on Balance Transfers

Intro APR on Balance Transfers:
0% Intro APR for 12 billing cycles on balance transfers made in the first 90 days

Ongoing APR on Balance Transfers:
12.49% - 18.00% Variable APR

Balance Transfer Fee:
None

Annual Fee: None

10,000 Points

Earn 10,000 bonus Rewards Points when you spend $2,000 in the first 60 days

Rewards

Earn 1 point for every $1 spent on everyday purchases

our choice

Intro APR on Balance Transfer
0% Introductory APR for the first 12 monthly billing cycles
Intro APR on Purchases
N/A
Regular APR
18.49% - 27.49% (Variable)
Balance Transfer Fee
Either $10.00 or 3% of the amount of each transaction, whichever is greater.
Annual Fee
$0
  • For a limited time earn $300 in cashback rewards towards any eligible student loan after you spend $3,000 in the first 90 days of account opening.
  • 2% cashback towards eligible student loans.
  • 1% cashback towards anything else.
  • No annual fee.
  • No foreign transaction fees.
  • No interest for the first 12 months on balance transfers made in the first 60 days.
  • The first credit card that lets you redeem cashback towards your student loans with any eligible servicer.

our choice

0% Intro APR on Balance Transfers

Intro APR on Balance Transfers:
0% Introductory APR for the first 12 monthly billing cycles

Ongoing APR on Balance Transfers:
18.49% - 27.49% (Variable)

Balance Transfer Fee:
Either $10.00 or 3% of the amount of each transaction, whichever is greater.

Annual Fee: $0

$300 Cash Back

For a limited time earn $300 in cashback rewards towards any eligible student loan after you spend $3,000 in the first 90 days of account opening.

Rewards

2% cashback towards eligible student loans.

1% cashback towards anything else.

our choice

Intro APR on Balance Transfer
0% intro APR for 15 billing cycles on balance transfers posted within 45 days of account opening.
Intro APR on Purchases
N/A
Regular APR
19.49%
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
Annual Fee
$195 ($95 for each Authorized User added to the account)
  • Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.
  • Patented brushed stainless steel front and carbon back—weighing 22 grams.
  • 2% value for airfare redemptions with no blackout dates or seat restrictions.
  • 1% value for cash back redemptions.
  • 24/7 Luxury Card Concierge®—Available by phone, email, or the Luxury Card App.
  • The Luxury Card Travel® program (e.g., room upgrades at check-in, resort credit, complementary Wi-Fi, and daily breakfast for two).
  • A suite of additional Mastercard® travel, shopping and special offers.
  • Annual fee: $195 ($95 for each Authorized User).
  • Terms and conditions apply.

our choice

0% Intro APR on Balance Transfers

Intro APR on Balance Transfers:
0% intro APR for 15 billing cycles on balance transfers posted within 45 days of account opening.

Ongoing APR on Balance Transfers:
19.49%

Balance Transfer Fee:
Either $5 or 3% of the amount of each transfer, whichever is greater.

Rewards

Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.

2% value for airfare redemptions with no blackout dates or seat restrictions.

1% value for cash back redemptions.

Receive up to $200 in annual airline credits toward flight-related purchases including airline tickets, baggage fees and upgrades.

Foreign Transaction Fee: 0% of each transaction in U.S. dollars.

Reporting to the Major Consumer Reporting Agencies

Apply for Citi Custom Cash<sup>&#x2120;</sup> Card - Credit-Land.com

Rating 5.0

APPLY NOW

on Citi's secure website

Excellent, Good Credit

our choice

Intro APR on Balance Transfer
0% (15 months)
Intro APR on Purchases
0% (15 months)
Regular APR
18.74% - 28.74% (Variable)
Balance Transfer Fee
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Annual Fee
$0
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash℠ Card account per person.

our choice

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% (15 months)

Intro APR on Balance Transfers:
0% (15 months)

Ongoing APR:
18.74% - 28.74% (Variable)

Balance Transfer Fee:
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.

Annual Fee: $0

$200 Cash Back

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Rewards

Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.

our choice

Intro APR on Balance Transfer
0% Introductory APR for 12 months on balance transfers made in the first 90 days after account opening. Read more
Intro APR on Purchases
N/A
Regular APR
17.99% Variable
Balance Transfer Fee
3% fee applies to each transfer
Annual Fee
$0
  • Get Rewarded on Everyday Purchases
  • 5x Points on gas paid at the pump and EV charging stations
  • 3x Points at the supermarket (including most Target and Walmart locations), restaurants, and TV, radio, cable, streaming services
  • 1x Points on all other purchases
  • 15,000 Bonus Points when you spend $1,500 in first 90 days
  • 0% Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval. 0% introductory APR for 12 months on balance transfers made in the first 90 days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
  • Annual Fee: $0
  • Purchase Variable APR: 17.99%
  • Refer to PenFed.org for Terms/Conditions

our choice

0% Intro APR on Balance Transfers

Intro APR on Balance Transfers:
0% Introductory APR for 12 months on balance transfers made in the first 90 days after account opening. Read more

Ongoing APR on Balance Transfers:
17.99% on balance transfers

Balance Transfer Fee:
3% fee applies to each transfer

Annual Fee: $0

15,000 Points

15,000 Bonus Points when you spend $1,500 in first 90 days

Rewards

5x Points on gas paid at the pump and EV charging stations

3x Points at the supermarket (including most Target and Walmart locations), restaurants, and TV, radio, cable, streaming services

1x Points on all other purchases

Apply for Citi<sup>®</sup> Double Cash Card – 18 month BT offer - Credit-Land.com

Rating 4.5

APPLY NOW

on Citi's secure website

Excellent, Good Credit

our choice

Intro APR on Balance Transfer
0% (18 months)
Intro APR on Purchases
N/A
Regular APR
18.74% - 28.74% (Variable)
Balance Transfer Fee
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
Annual Fee
$0
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

our choice

0% Intro APR on Balance Transfers

Intro APR on Balance Transfers:
0% (18 months)

Ongoing APR on Balance Transfers:
18.74% - 28.74% (Variable)

Balance Transfer Fee:
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).

Annual Fee: $0

Rewards

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Reporting to the Major Consumer Reporting Agencies

Apply for First Tech Choice Rewards World Mastercard<sup>®</sup> - Credit-Land.com

Rating 4.5

APPLY NOW

on First Tech's secure website

Excellent/Good Credit

our choice

Intro APR on Balance Transfer
0% Intro APR for 12 billing cycles on balance transfers made in the first 90 days
Intro APR on Purchases
N/A
Regular APR
12.75% - 18.00% Variable APR
Balance Transfer Fee
None
Annual Fee
None
  • Earn 20,000 bonus Rewards Points when you spend $3,000 in the first 60 days
  • Earn 2 Rewards Points for every $1 spent on groceries, gas, electronics, medical, household goods and telecommunications and 1 Reward Point for every $1 spent on all other purchases
  • Redeem Reward Points for travel, merchandise, events, experiences, gift cards and cash
  • No points maximum and your points never expire

our choice

0% Intro APR on Balance Transfers

Intro APR on Balance Transfers:
0% Intro APR for 12 billing cycles on balance transfers made in the first 90 days

Ongoing APR on Balance Transfers:
12.75% - 18.00% Variable APR

Balance Transfer Fee:
None

Annual Fee: None

20,000 Points

Earn 20,000 bonus Rewards Points when you spend $3,000 in the first 60 days

Rewards

Earn 2 Rewards Points for every $1 spent on groceries, gas, electronics, medical, household goods and telecommunications and 1 Reward Point for every $1 spent on all other purchases

our choice

Intro APR on Balance Transfer
0% (12 months on balance transfers made in the first 90 days after account opening)
Intro APR on Purchases
N/A
Regular APR
17.99% Variable
Balance Transfer Fee
3% fee applies to each transfer
Annual Fee
$95
  • Earn more everywhere you go!
  • 50,000 Bonus Points when you spend $3000 in the first 90 days
  • Up to $799 total Travel value
  • 4X Points on all Travel categories for PenFed Honors Advantage Members
  • 3X Points on all Travel categories
  • 1.5X Points on all other purchases
  • 0% Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval. 0% introductory APR for 12 months on balance transfers made in the first 90 days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
  • Annual Fee: $95 (waived for existing PenFed Honors Advantage Members)
  • Purchase Variable APR: 17.99%
  • Refer to PenFed.org for Terms/Conditions

our choice

0% Intro APR on Balance Transfers

Intro APR on Balance Transfers:
0% (12 months on balance transfers made in the first 90 days after account opening)

Ongoing APR on Balance Transfers:
17.99% on balance transfers

Balance Transfer Fee:
3% fee applies to each transfer

50,000 Points

50,000 Bonus Points when you spend $3000 in the first 90 days

Rewards

4X Points on all Travel categories for PenFed Honors Advantage Members

3X Points on all Travel categories

1.5X Points on all other purchases

Foreign Transaction Fee: None

our choice

Intro APR on Balance Transfer
0% intro APR for 15 billing cycles on balance transfers posted within 45 days of account opening.
Intro APR on Purchases
N/A
Regular APR
19.49%
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
Annual Fee
$495 ($195 for each Authorized User added to the account)
  • Patented black PVD metal card—weighing 22 grams.
  • 1.5% value for cash back redemptions.
  • 24/7 Luxury Card Concierge®—available by phone, email and live mobile chat.
  • Exclusive Luxury Card Travel® benefits (e.g., amenities, room upgrades and complimentary food and beverages).
  • Cell Phone Protection, Lyft credits, Postmates discounts, Fandango perks and more.
  • Annual fee: $495 ($195 for each Authorized User).
  • Earn one point for every one dollar spent.

our choice

0% Intro APR on Balance Transfers

Intro APR on Balance Transfers:
0% intro APR for 15 billing cycles on balance transfers posted within 45 days of account opening.

Ongoing APR on Balance Transfers:
19.49%

Balance Transfer Fee:
Either $5 or 3% of the amount of each transfer, whichever is greater.

Rewards

Earn one point for every one dollar spent.

Foreign Transaction Fee: 0% of each transaction in U.S. dollars.

Reporting to the Major Consumer Reporting Agencies

Apply for Gold Visa® Card - Credit-Land.com

Rating 4.3

APPLY NOW

Good/Excellent Credit

our choice

Intro APR on Balance Transfer
0% (15 months on balance transfers made in the first 90 days after account opening)
Intro APR on Purchases
N/A
Regular APR
15.49% to 17.99% Variable
Balance Transfer Fee
3% fee applies to each transfer
Annual Fee
$0
  • Our Lowest-Rate Card
  • Benefits of this gold card include low APR and low promotional balance transfer APR. Go for the gold today!
  • LOW APR on all purchases
  • 0% Introductory APR on purchases made the first 15 months after account opening. After that, the APR for any unpaid purchase balance and any new purchases will be 15.49% to 17.99% based on your creditworthiness and will vary with the market based on the prime rate. 0% introductory APR for 15 months on balance transfers made in the first 90 days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
  • Annual Fee: $0
  • Purchase Variable APR: 15.49% to 17.99%
  • Refer to PenFed.org for Terms/Conditions

our choice

0% Intro APR on Balance Transfers

Intro APR on Balance Transfers:
0% (15 months on balance transfers made in the first 90 days after account opening)

Ongoing APR on Balance Transfers:
17.99% on balance transfers

Balance Transfer Fee:
3% fee applies to each transfer

Annual Fee: $0

Foreign Transaction Fee: None

Reporting to the Major Consumer Reporting Agencies

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Apply for Citi<sup>®</sup> Double Cash Card – 18 month BT offer - Credit-Land.com

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LONG 0% INTRO APR ON BALANCE TRANSFERS AND DOUBLE CASH BACK

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness.
See more details

questionsABOUT BALANCE TRANSFER
CREDIT CARDS

How do I transfer a credit card balance to a new card? Do I need to pay off the balance on the current credit card before I can transfer?

Once you are approved for a balance transfer credit card, you will need to contact the new credit card company over the phone or online to request the balance transfer. They will ask you to provide your old cards...

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What is balance transfer and how to go about it?

Balance transfer is a scheme that saves you from paying extra interest on your outstanding balance. It helps you to clear your debts in a much faster and efficient way, when you have your interest rates holding you from...

Read more
How much can I transfer?

When you are carrying a big balance with a high APR, you want to transfer as much as you can to a lower rate card or a 0% APR balance transfer card. How much can transfer though will depend on your credit limit. You...

Read more
See all questions

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balance transfers 101: WHAT IS A BALANCE TRANSFER
AND HOW IT WORKS?

For people stuck paying high interest rates on their credit cards, a balance transfer credit card can become a great way to avoid interest payments and save money. With an introductory 0% APR balance transfer offer, you can move your debt from one credit card with high interest to a new card that has better terms and lower interest rates.

Moving your debt to a new interest-free credit card can help you save on interest, provided you pay off the card balance in full by the end of the promotional rate and you do not miss monthly payments.

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01. What is a balance transfer?

With a balance transfer, you are literally moving your balance from one card to another, usually with a lower or 0% introductory interest rate. You can use a 0% intro APR offer to pay off that debt from the holidays, a large purchase, or a high-interest card. You might want to transfer balances when an introductory period on one card ends in order to extend the benefits of low interest.

You also may want to consolidate debt by moving multiple credit card balances to one card, so you have fewer bills to pay each month. If your credit limit allows you to accommodate your combined balances, it will make your life simpler and your credit card balance easier to pay off.

02. Cost of a balance transfer

Nearly all balance transfer cards require a 3%-5% balance transfer fee. The most common balance transfer fee is 5% of the amount transferred. And a rarely offered, but desired by all - a $0 balance transfer fee.

No fee balance transfer credit cards are offered by a few issuers and may have some additional requirements. In most cases, you will need to complete a balance transfer within an allotted period of time to be able to qualify for the $0 balance transfer fee. But in general, $0 balance transfer fee credit cards most likely will not offer 0% intro APRs on balance transfers.

03. Balance transfer rules

While it is rather easy to transfer balances between two credit cards, there are some nuances you should know about how to make the transaction a success.

- Balance transfers between credit cards from one bank are not allowed. Even if they're co-branded credit cards.

- It takes up to 14 days on average to complete a balance transfer.

- You cannot transfer more than the available credit limit on your new balance transfer credit card. If you try to do that, your transfer will be canceled, or a lower amount will be transferred.

- Balance transfer does not close or cancel your old credit accounts from which you transfer. You will still need to make all minimum monthly payments on all cards while you are transferring and when the transfer is completed until you close those cards.

- There usually is a 3%-5% balance transfer fee that is added to the transferred amount.

- If you do not pay off the transferred balance by the end of the introductory period, a go-to APR will apply to the remaining balance.

- If you make a late payment or miss a payment, you may lose your 0% intro APR and the issuer can charge you a late payment fee and apply a penalty interest rate to the remaining balance.

- Some issuers may require you to complete all balance transfers within a certain period in order to qualify for the 0% intro APR offer.

- Balance transfers won't earn rewards. But a balance transfer credit card can have a solid rewards structure, which makes it more attractive to hold long-term.

04. Do balance transfers affect your credit?

When you pay off your credit card debt, you can increase your credit scores. Since your credit utilization makes 30% of your score, the less you owe, the better. However, a balance transfer can do both: hurt and help your credit. But in the end, a balance transfer may improve your credit and get you higher credit scores.

Your credit scores may drop by a few points when you apply for a balance transfer credit card and then perform a balance transfer. For example, if you are approved for a credit card with the starting credit limit of $3,000 and transfer that same amount, you'll be using 100% of your available credit on that card. Experts recommend keeping your credit utilization below 30% for each individual active credit line and overall. If you close your old credit account, your ratio will become even higher, which can result in a credit score drop

To minimize damage to your credit score, keep your existing credit accounts active (at least for a while, until you see your credit score going up). Be very careful when you want to close your old credit account. If you close your oldest account, that may have a significant effect on the length of your credit history and as a result, on your credit score.

As you pay off the balance on your new balance transfer credit card, you should see your credit score going up. Try not to change purchases to your new credit card. Focus on paying off your debt and not increasing it and then the balance transfer will become that tool for improving your financial position and net you a higher credit score.

commentsABOUT BALANCE TRANSFER
CREDIT CARDS🜂

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