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Best credit cards with
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 a lower interest rate on balance transfers, you can pay off your balance faster. If you are lucky to find a 0% intro APR on balance transfers, you can also save on interest.

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NB! You cannot transfer a balance between credit cards from the same issuer or bank.

CREDIT CARD WITH BALANCE TRANSFER OFFER

BEST CHOICE OF May 2020

Rating 4.4

  • 40,000 Bonus LifeMiles after first card use.
  • Earn 3 LifeMiles per $1 spent on Avianca purchases
  • Earn 2 LifeMiles per $1 spent at gas stations and grocery stores

0% Intro APR on Balance Transfers

Intro APR on Balance Transfers:
0% introductory APR for the first 12 months. Applies to transfers made within the first 90 days from account opening.

Ongoing APR on Balance Transfers:
13.24% to 26.24%, based on your creditworthiness

Balance Transfer Fee:
See terms

40,000 LifeMiles

40,000 Bonus LifeMiles after first card use.

Rewards

Earn 3 LifeMiles per $1 spent on Avianca purchases

Earn 2 LifeMiles per $1 spent at gas stations and grocery stores

Earn 1 LifeMile per $1 spent on all other purchases

Foreign Transaction Fee: 0%

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. However, the most common 0% intro APR offers are 12 to 18 months. Also, 0% balance transfer credit cards may come with 0% intro APRs on purchases, with rewards, and no annual fees. However, not all credit cards offer zero introductory rates, sometimes credit cards simply come with a lower APR on balance transfers.

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Apply for Avianca Vida Visa® Card - Credit-Land.com

Rating 4.2

APPLY

Excellent,Good Credit

our choice

Intro APR on Purchases
n/a
Intro APR on Balance Transfer
0% introductory APR for the first 12 months. Applies to transfers made within the first 90 days from account opening.
Regular APR
13.24% to 26.24%, based on your creditworthiness
Balance Transfer Fee
See terms
Annual Fee
$59
  • 20,000 Bonus LifeMiles after first card use.
  • Earn 2 LifeMiles per $1 spent on Avianca purchases
  • Earn 1 LifeMile per $1 spent on all other purchases
  • 15% discount on purchases of miles with Multiply Your Miles
  • No cap on the number of LifeMiles you can earn
  • 0% Introductory offer for 12 months on Balance Transfers
  • Chip-enabled card provides added security
  • Auto Rental Collision Damage Waiver
  • Travel Accident Insurance
  • Protection against unauthorized charges
  • Emergency Card Replacement
  • Online Account Management
  • Electronic Statements
  • Auto-pay option

our choice

0% Intro APR on Balance Transfers

Intro APR on Balance Transfers:
0% introductory APR for the first 12 months. Applies to transfers made within the first 90 days from account opening.

Ongoing APR on Balance Transfers:
13.24% to 26.24%, based on your creditworthiness

Balance Transfer Fee:
See terms

20,000 LifeMiles

20,000 Bonus LifeMiles after first card use.

Rewards

Earn 2 LifeMiles per $1 spent on Avianca purchases

Earn 1 LifeMile per $1 spent on all other purchases

Unsecured Credit Card

Apply for Avianca Vuela Visa® Card - Credit-Land.com

Rating 4.4

APPLY

Excellent,Good Credit

our choice

Intro APR on Purchases
n/a
Intro APR on Balance Transfer
0% introductory APR for the first 12 months. Applies to transfers made within the first 90 days from account opening.
Regular APR
13.24% to 26.24%, based on your creditworthiness
Balance Transfer Fee
See terms
Annual Fee
$149
  • 40,000 Bonus LifeMiles after first card use.
  • Earn 3 LifeMiles per $1 spent on Avianca purchases
  • Earn 2 LifeMiles per $1 spent at gas stations and grocery stores
  • Earn 1 LifeMile per $1 spent on all other purchases
  • No foreign transaction fees
  • 15% discount on purchases of miles with Multiply Your Miles
  • Free additional piece of baggage for travel between the United States and Central America
  • A 50% discount on an award ticket redeemed for travel to Central America or Colombia from the United States after $12,000 spent each year
  • An additional 50% discount on an award ticket redeemed for travel to Central America or Colombia from the United States after $24,000 spent each year
  • 0% Introductory offer for 12 months on Balance Transfers
  • Chip-enabled card provides added security
  • Auto Rental Collision Damage Waiver
  • Travel Accident Insurance
  • Protection against unauthorized charges
  • Emergency Card Replacement
  • Online Account Management
  • Electronic Statements
  • Auto-pay option

our choice

0% Intro APR on Balance Transfers

Intro APR on Balance Transfers:
0% introductory APR for the first 12 months. Applies to transfers made within the first 90 days from account opening.

Ongoing APR on Balance Transfers:
13.24% to 26.24%, based on your creditworthiness

Balance Transfer Fee:
See terms

40,000 LifeMiles

40,000 Bonus LifeMiles after first card use.

Rewards

Earn 3 LifeMiles per $1 spent on Avianca purchases

Earn 2 LifeMiles per $1 spent at gas stations and grocery stores

Earn 1 LifeMile per $1 spent on all other purchases

Foreign Transaction Fee: 0%

Apply for Simmons Rewards Visa Signature® - Credit-Land.com

Rating 2.5

APPLY

Excellent Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
11.25% (variable)
Balance Transfer Fee
NONE
Annual Fee
NONE
  • 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 1.25 points 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.

our choice

Annual Fee: NONE

Rewards

Travel Rewards - cardholders who enroll in the program receive 1.25 points per net dollar spent.

Balance Transfer Fee: NONE

Reporting to the Major Consumer Reporting Agencies

Apply for New Credit Choice - Credit-Land.com

Rating 3.9

APPLY

Any Credit

our choice

Intro APR on Purchases
See terms
Intro APR on Balance Transfer
See terms
Regular APR
See terms
Balance Transfer Fee
See terms
Annual Fee
See terms
  • Get Your Credit Card Today!
  • Get a response in as little as 60 seconds.
  • Good, Bad, and No Credit are accepted.
  • Find the right credit card matched to your credit profile.

our choice

Instant Response

No Credit Check

Apply for Simmons Visa® - Credit-Land.com

Rating 2.3

APPLY

Excellent Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
9.25% (variable)
Balance Transfer Fee
NONE
Annual Fee
NONE
  • 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.

our choice

Annual Fee: NONE

Balance Transfer Fee: NONE

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Apply for Simmons Rewards Visa Signature® - Credit-Land.com

Rating 2.5

APPLY

NO BALANCE TRANSFER FEE OFFER
of May 2020

  • 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.
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...

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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

NOT SURE WHICH CARD
TO CHOOSE?

Ask our Experts and get free advice to your email!

ASK QUESTION

intro 0% APR on Balance
Transfer

For people stuck paying high interest rates on their credit cards, balance transfer credit cards are a great way to save money. With a 0% APR balance transfer credit card, you can move your old balance to a card that carries better terms and lower interest rates. But once you make even one late payment, not only will your 0% rate end, you may get slapped with a penalty APR.

With a balance transfer, you are literally moving your balance from one card to another - allowing you to enjoy a lower interest rate while you pay off a balance from the holidays, a large purchase, or a high-interest card. You might want to do this 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.

Keep in mind that you cannot use a balance transfer offer from the same bank that issued the card you want to transfer a balance from. Look for offers from a different card issuer. If you have a large balance - higher than $10,000, for example - you probably won't be able to put the entire balance on one card. Apply for more than one card so you can spread the balance over several cards and maximize your savings.

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commentsABOUT BALANCE TRANSFER
CREDIT CARDS

must read FEATURED NEWS
AND RELATED RESEARCH

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May 22, 2020

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How Do Balance Transfers Work?

Paying too much in credit card interest is not fun and you will definitely want to look for a way...

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MORE CREDIT CARDS BY CATEGORIES

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