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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 a no-fee intro 0% interest rate on balance transfer offer from a reputable bank, you'll pay off your balance much faster.

Show more

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

  • Cards of November 2019
  • No Annual Fee
  • Rewards
  • Low Interest
Rating
Intro APR on Purch. Period
Intro APR on Bal. Tr. Period
Avg. Regular APR
Annual Fee
Hide
Apply for Discover it® Balance Transfer - Credit-Land.com

Rating 5.0

APPLY

on Discover's secure website

Excellent/Good Credit

our choice

Intro APR on Purchases
0% (6 months)
Intro APR on Balance Transfer
0% (18 months)
Regular APR
13.49% - 24.49% Variable
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. 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.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

our choice

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% (6 months)

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

Ongoing APR:
13.49% - 24.49% Variable

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: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.

Rewards

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

Apply for Capital One® Quicksilver® Cash Rewards Credit Card - Credit-Land.com

Rating 5.0

APPLY

on Capital One's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
0% intro on purchases for 15 months
Intro APR on Balance Transfer
0% intro on balance transfers for 15 months
Regular APR
15.74% - 25.74% (Variable)
Balance Transfer Fee
3%
Annual Fee
$0
  • Click "APPLY ONLINE" to apply now
  • 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
  • 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 15 months; 15.74%-25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74%-25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees

our choice

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% intro on purchases for 15 months

Intro APR on Balance Transfers:
0% intro on balance transfers for 15 months

Ongoing APR:
15.74% - 25.74% (Variable)

Balance Transfer Fee:
3%

Annual Fee: $0

$150 Cash Back

One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening

Rewards

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 won't expire for the life of the account and there's no limit to how much you can earn

Apply for Citi Rewards+<sup>&#8480;</sup> Card - Credit-Land.com

Rating 5.0

APPLY

on Citi's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
0% 15 months on Purchases
Intro APR on Balance Transfer
0% 15 months on Balance Transfers
Regular APR
14.99% - 24.99% (Variable)
Balance Transfer Fee
3% of each balance transfer; $5 minimum
Annual Fee
$0
  • The Citi Rewards+SM Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 14.99% - 24.99%, based on your creditworthiness.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 14.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

our choice

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% 15 months on Purchases

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

Ongoing APR:
14.99% - 24.99% (Variable)

Balance Transfer Fee:
3% of each balance transfer; $5 minimum

Annual Fee: $0

15,000 ThankYou® Points

Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com

Rewards

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

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

Apply for Citi Simplicity<sup>®</sup> Card - No Late Fees Ever - Credit-Land.com

Rating 4.3

APPLY

on Citi's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
0% 12 months on Purchases
Intro APR on Balance Transfer
0% 21 months on Balance Transfers
Regular APR
16.24% - 26.24% (Variable)
Balance Transfer Fee
5% of each balance transfer; $5 minimum
Annual Fee
$0
  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • The standard variable APR for Citi Flex Plan is 16.24% - 26.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges

our choice

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% 12 months on Purchases

Intro APR on Balance Transfers:
0% 21 months on Balance Transfers

Ongoing APR:
16.24% - 26.24% (Variable)

Balance Transfer Fee:
5% of each balance transfer; $5 minimum

Annual Fee: $0

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Apply for Capital One® SavorOne® Cash Rewards Credit Card - Credit-Land.com

Rating 5.0

APPLY

on Capital One's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
0% intro on purchases for 15 months
Intro APR on Balance Transfer
0% intro on balance transfers for 15 months
Regular APR
15.74% - 25.74% (Variable)
Balance Transfer Fee
3%
Annual Fee
$0
  • Click "APPLY ONLINE" to apply now
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • 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 15 months; 15.74% - 25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74% - 25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee

our choice

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% intro on purchases for 15 months

Intro APR on Balance Transfers:
0% intro on balance transfers for 15 months

Ongoing APR:
15.74% - 25.74% (Variable)

Balance Transfer Fee:
3%

Annual Fee: $0

$150 Cash Back

Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening

Rewards

Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases

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

Rating 4.7

APPLY

on Citi's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
0% 18 months on Balance Transfers
Regular APR
15.49% - 25.49% (Variable)
Balance Transfer Fee
3% of each balance transfer; $5 minimum
Annual Fee
$0
  • Earn cash back twice. 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 Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% – 25.49%, based on your creditworthiness.
  • Click “Apply Now” to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • Balance Transfers do not earn cash back.
  • The standard variable APR for Citi Flex Plan is 15.49% – 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

our choice

0% Intro APR on Balance Transfers

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

Ongoing APR on Balance Transfers:
15.49% - 25.49% (Variable)

Balance Transfer Fee:
3% of each balance transfer; $5 minimum

Annual Fee: $0

Rewards

Earn cash back twice. 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 Luxury Card™ Mastercard® Black 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% For the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
Regular APR
16.49% This APR will vary with the market based on the Prime Rate.
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)
  • Stainless Steel – Patented Black-PVD-Coated Metal Card
  • 2% Value for Airfare Redemptions
  • 1.5% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™ – Available by phone, email, and mobile chat
  • Exclusive Luxury Card Travel Benefits
  • $100 Annual Airline Credit Toward Qualifying Purchases
  • $100 Global Entry Application Fee Credit
  • Annual Fee: $495 ($195 for each Authorized User)

our choice

0% Intro APR on Balance Transfers

Intro APR on Balance Transfers:
0% For the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.

Ongoing APR on Balance Transfers:
16.49% This APR will vary with the market based on the Prime Rate.

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

Rewards

You will earn 1 Point for every $1 spent.

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

Unsecured Credit Card

Apply for Luxury Card™ Mastercard® Gold 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% For the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
Regular APR
16.49% This APR will vary with the market based on the Prime Rate.
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
Annual Fee
$995 ($295 for each Authorized User added to the account)
  • 24K-Gold-Plated – Patented Card Design
  • 2% Value for Airfare Redemptions
  • 2% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™ – Available by phone, email, and mobile chat
  • Exclusive Luxury Card Travel Benefits
  • $200 Annual Airline Credit Toward Qualifying Purchases
  • $100 Global Entry Application Fee Credit
  • Annual Fee: $995 ($295 for each Authorized User)

our choice

0% Intro APR on Balance Transfers

Intro APR on Balance Transfers:
0% For the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.

Ongoing APR on Balance Transfers:
16.49% This APR will vary with the market based on the Prime Rate.

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

Rewards

You will earn 1 Point for every $1 spent.

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

Unsecured Credit Card

SHOW MORE CARDS
Rating
Intro APR on Purch. Period
Intro APR on Bal. Tr. Period
Avg. Regular APR
Annual Fee
Hide
Apply for Citi Simplicity<sup>®</sup> Card - No Late Fees Ever - Credit-Land.com

Rating 4.3

APPLY

on Citi's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
0% 12 months on Purchases
Intro APR on Balance Transfer
0% 21 months on Balance Transfers
Regular APR
16.24% - 26.24% (Variable)
Balance Transfer Fee
5% of each balance transfer; $5 minimum
Annual Fee
$0
  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • The standard variable APR for Citi Flex Plan is 16.24% - 26.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges

our choice

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% 12 months on Purchases

Intro APR on Balance Transfers:
0% 21 months on Balance Transfers

Ongoing APR:
16.24% - 26.24% (Variable)

Balance Transfer Fee:
5% of each balance transfer; $5 minimum

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

on Discover's secure website

Excellent/Good Credit

our choice

Intro APR on Purchases
0% (6 months)
Intro APR on Balance Transfer
0% (18 months)
Regular APR
13.49% - 24.49% Variable
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. 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.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

our choice

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% (6 months)

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

Ongoing APR:
13.49% - 24.49% Variable

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: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.

Rewards

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

Apply for Citi Rewards+<sup>&#8480;</sup> Card - Credit-Land.com

Rating 5.0

APPLY

on Citi's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
0% 15 months on Purchases
Intro APR on Balance Transfer
0% 15 months on Balance Transfers
Regular APR
14.99% - 24.99% (Variable)
Balance Transfer Fee
3% of each balance transfer; $5 minimum
Annual Fee
$0
  • The Citi Rewards+SM Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 14.99% - 24.99%, based on your creditworthiness.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 14.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

our choice

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% 15 months on Purchases

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

Ongoing APR:
14.99% - 24.99% (Variable)

Balance Transfer Fee:
3% of each balance transfer; $5 minimum

Annual Fee: $0

15,000 ThankYou® Points

Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com

Rewards

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

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

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

Rating 4.7

APPLY

on Citi's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
0% 18 months on Balance Transfers
Regular APR
15.49% - 25.49% (Variable)
Balance Transfer Fee
3% of each balance transfer; $5 minimum
Annual Fee
$0
  • Earn cash back twice. 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 Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% – 25.49%, based on your creditworthiness.
  • Click “Apply Now” to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • Balance Transfers do not earn cash back.
  • The standard variable APR for Citi Flex Plan is 15.49% – 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

our choice

0% Intro APR on Balance Transfers

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

Ongoing APR on Balance Transfers:
15.49% - 25.49% (Variable)

Balance Transfer Fee:
3% of each balance transfer; $5 minimum

Annual Fee: $0

Rewards

Earn cash back twice. 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 Capital One® Quicksilver® Cash Rewards Credit Card - Credit-Land.com

Rating 5.0

APPLY

on Capital One's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
0% intro on purchases for 15 months
Intro APR on Balance Transfer
0% intro on balance transfers for 15 months
Regular APR
15.74% - 25.74% (Variable)
Balance Transfer Fee
3%
Annual Fee
$0
  • Click "APPLY ONLINE" to apply now
  • 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
  • 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 15 months; 15.74%-25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74%-25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees

our choice

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% intro on purchases for 15 months

Intro APR on Balance Transfers:
0% intro on balance transfers for 15 months

Ongoing APR:
15.74% - 25.74% (Variable)

Balance Transfer Fee:
3%

Annual Fee: $0

$150 Cash Back

One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening

Rewards

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 won't expire for the life of the account and there's no limit to how much you can earn

Apply for Capital One® SavorOne® Cash Rewards Credit Card - Credit-Land.com

Rating 5.0

APPLY

on Capital One's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
0% intro on purchases for 15 months
Intro APR on Balance Transfer
0% intro on balance transfers for 15 months
Regular APR
15.74% - 25.74% (Variable)
Balance Transfer Fee
3%
Annual Fee
$0
  • Click "APPLY ONLINE" to apply now
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • 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 15 months; 15.74% - 25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74% - 25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee

our choice

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% intro on purchases for 15 months

Intro APR on Balance Transfers:
0% intro on balance transfers for 15 months

Ongoing APR:
15.74% - 25.74% (Variable)

Balance Transfer Fee:
3%

Annual Fee: $0

$150 Cash Back

Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening

Rewards

Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases

Rating
Avg. Regular APR
Annual Fee
Reporting Credit Bureaus
Instant Response
Hide
Apply for Capital One® Quicksilver® Cash Rewards Credit Card - Credit-Land.com

Rating 5.0

APPLY

on Capital One's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
0% intro on purchases for 15 months
Intro APR on Balance Transfer
0% intro on balance transfers for 15 months
Regular APR
15.74% - 25.74% (Variable)
Balance Transfer Fee
3%
Annual Fee
$0
  • Click "APPLY ONLINE" to apply now
  • 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
  • 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 15 months; 15.74%-25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74%-25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees

our choice

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% intro on purchases for 15 months

Intro APR on Balance Transfers:
0% intro on balance transfers for 15 months

Ongoing APR:
15.74% - 25.74% (Variable)

Balance Transfer Fee:
3%

Annual Fee: $0

$150 Cash Back

One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening

Rewards

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 won't expire for the life of the account and there's no limit to how much you can earn

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

Rating 5.0

APPLY

on Discover's secure website

Excellent/Good Credit

our choice

Intro APR on Purchases
0% (6 months)
Intro APR on Balance Transfer
0% (18 months)
Regular APR
13.49% - 24.49% Variable
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. 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.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

our choice

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% (6 months)

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

Ongoing APR:
13.49% - 24.49% Variable

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: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.

Rewards

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

Apply for Citi Rewards+<sup>&#8480;</sup> Card - Credit-Land.com

Rating 5.0

APPLY

on Citi's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
0% 15 months on Purchases
Intro APR on Balance Transfer
0% 15 months on Balance Transfers
Regular APR
14.99% - 24.99% (Variable)
Balance Transfer Fee
3% of each balance transfer; $5 minimum
Annual Fee
$0
  • The Citi Rewards+SM Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 14.99% - 24.99%, based on your creditworthiness.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 14.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

our choice

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% 15 months on Purchases

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

Ongoing APR:
14.99% - 24.99% (Variable)

Balance Transfer Fee:
3% of each balance transfer; $5 minimum

Annual Fee: $0

15,000 ThankYou® Points

Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com

Rewards

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

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

Apply for Capital One® SavorOne® Cash Rewards Credit Card - Credit-Land.com

Rating 5.0

APPLY

on Capital One's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
0% intro on purchases for 15 months
Intro APR on Balance Transfer
0% intro on balance transfers for 15 months
Regular APR
15.74% - 25.74% (Variable)
Balance Transfer Fee
3%
Annual Fee
$0
  • Click "APPLY ONLINE" to apply now
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • 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 15 months; 15.74% - 25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74% - 25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee

our choice

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% intro on purchases for 15 months

Intro APR on Balance Transfers:
0% intro on balance transfers for 15 months

Ongoing APR:
15.74% - 25.74% (Variable)

Balance Transfer Fee:
3%

Annual Fee: $0

$150 Cash Back

Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening

Rewards

Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases

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
14.74% to 27.74%, based on your creditworthiness
Balance Transfer Fee
See terms
Annual Fee
$149
  • Get up to 60,000 bonus LifeMiles for a limited-time! Enter the promotional code SB4060 when completing your application in order to receive the additional 20,000 welcome bonus miles with your Avianca LifeMiles credit card after your qualifying purchases.
  • 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:
14.74% to 27.74%, based on your creditworthiness

Balance Transfer Fee:
See terms

60,000 LifeMiles

Get up to 60,000 bonus LifeMiles for a limited-time! Enter the promotional code SB4060 when completing your application in order to receive the additional 20,000 welcome bonus miles with your Avianca LifeMiles credit card after your qualifying purchases.

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

Rating 4.7

APPLY

on Citi's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
0% 18 months on Balance Transfers
Regular APR
15.49% - 25.49% (Variable)
Balance Transfer Fee
3% of each balance transfer; $5 minimum
Annual Fee
$0
  • Earn cash back twice. 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 Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% – 25.49%, based on your creditworthiness.
  • Click “Apply Now” to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • Balance Transfers do not earn cash back.
  • The standard variable APR for Citi Flex Plan is 15.49% – 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

our choice

0% Intro APR on Balance Transfers

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

Ongoing APR on Balance Transfers:
15.49% - 25.49% (Variable)

Balance Transfer Fee:
3% of each balance transfer; $5 minimum

Annual Fee: $0

Rewards

Earn cash back twice. 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 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
14.74% to 27.74%, based on your creditworthiness
Balance Transfer Fee
See terms
Annual Fee
$59
  • Get up to 40,000 bonus LifeMiles for a limited-time! Enter the promotional code SB4060 when completing your application in order to receive the additional 20,000 welcome bonus miles with your Avianca LifeMiles credit card after your qualifying purchases.
  • 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:
14.74% to 27.74%, based on your creditworthiness

Balance Transfer Fee:
See terms

40,000 LifeMiles

Get up to 40,000 bonus LifeMiles for a limited-time! Enter the promotional code SB4060 when completing your application in order to receive the additional 20,000 welcome bonus miles with your Avianca LifeMiles credit card after your qualifying purchases.

Rewards

Earn 2 LifeMiles per $1 spent on Avianca purchases

Earn 1 LifeMile per $1 spent on all other purchases

Unsecured Credit Card

Rating
Avg. Regular APR
Annual Fee
Reporting Credit Bureaus
Instant Response
Hide
Apply for Citi Simplicity<sup>®</sup> Card - No Late Fees Ever - Credit-Land.com

Rating 4.3

APPLY

on Citi's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
0% 12 months on Purchases
Intro APR on Balance Transfer
0% 21 months on Balance Transfers
Regular APR
16.24% - 26.24% (Variable)
Balance Transfer Fee
5% of each balance transfer; $5 minimum
Annual Fee
$0
  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • The standard variable APR for Citi Flex Plan is 16.24% - 26.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges

our choice

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% 12 months on Purchases

Intro APR on Balance Transfers:
0% 21 months on Balance Transfers

Ongoing APR:
16.24% - 26.24% (Variable)

Balance Transfer Fee:
5% of each balance transfer; $5 minimum

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

on Discover's secure website

Excellent/Good Credit

our choice

Intro APR on Purchases
0% (6 months)
Intro APR on Balance Transfer
0% (18 months)
Regular APR
13.49% - 24.49% Variable
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. 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.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

our choice

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% (6 months)

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

Ongoing APR:
13.49% - 24.49% Variable

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: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.

Rewards

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

Apply for Citi Rewards+<sup>&#8480;</sup> Card - Credit-Land.com

Rating 5.0

APPLY

on Citi's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
0% 15 months on Purchases
Intro APR on Balance Transfer
0% 15 months on Balance Transfers
Regular APR
14.99% - 24.99% (Variable)
Balance Transfer Fee
3% of each balance transfer; $5 minimum
Annual Fee
$0
  • The Citi Rewards+SM Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 14.99% - 24.99%, based on your creditworthiness.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 14.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

our choice

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% 15 months on Purchases

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

Ongoing APR:
14.99% - 24.99% (Variable)

Balance Transfer Fee:
3% of each balance transfer; $5 minimum

Annual Fee: $0

15,000 ThankYou® Points

Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com

Rewards

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

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

Apply for Capital One® SavorOne® Cash Rewards Credit Card - Credit-Land.com

Rating 5.0

APPLY

on Capital One's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
0% intro on purchases for 15 months
Intro APR on Balance Transfer
0% intro on balance transfers for 15 months
Regular APR
15.74% - 25.74% (Variable)
Balance Transfer Fee
3%
Annual Fee
$0
  • Click "APPLY ONLINE" to apply now
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • 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 15 months; 15.74% - 25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74% - 25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee

our choice

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% intro on purchases for 15 months

Intro APR on Balance Transfers:
0% intro on balance transfers for 15 months

Ongoing APR:
15.74% - 25.74% (Variable)

Balance Transfer Fee:
3%

Annual Fee: $0

$150 Cash Back

Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening

Rewards

Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases

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

Rating 4.7

APPLY

on Citi's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
0% 18 months on Balance Transfers
Regular APR
15.49% - 25.49% (Variable)
Balance Transfer Fee
3% of each balance transfer; $5 minimum
Annual Fee
$0
  • Earn cash back twice. 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 Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% – 25.49%, based on your creditworthiness.
  • Click “Apply Now” to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • Balance Transfers do not earn cash back.
  • The standard variable APR for Citi Flex Plan is 15.49% – 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

our choice

0% Intro APR on Balance Transfers

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

Ongoing APR on Balance Transfers:
15.49% - 25.49% (Variable)

Balance Transfer Fee:
3% of each balance transfer; $5 minimum

Annual Fee: $0

Rewards

Earn cash back twice. 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 Capital One® Quicksilver® Cash Rewards Credit Card - Credit-Land.com

Rating 5.0

APPLY

on Capital One's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
0% intro on purchases for 15 months
Intro APR on Balance Transfer
0% intro on balance transfers for 15 months
Regular APR
15.74% - 25.74% (Variable)
Balance Transfer Fee
3%
Annual Fee
$0
  • Click "APPLY ONLINE" to apply now
  • 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
  • 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 15 months; 15.74%-25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74%-25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees

our choice

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% intro on purchases for 15 months

Intro APR on Balance Transfers:
0% intro on balance transfers for 15 months

Ongoing APR:
15.74% - 25.74% (Variable)

Balance Transfer Fee:
3%

Annual Fee: $0

$150 Cash Back

One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening

Rewards

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 won't expire for the life of the account and there's no limit to how much you can earn

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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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...

Read more
1. Is there a limit on balance transfers? I would like to consolidate about 5 credit card debts into 1. 2. What information is needed to do the balance transfers?

When you request a balance transfer, you should remember that you won’t be able to transfer more than available credit limit on your new balance transfer credit card. Thus, if available credit limit on your new...

Read more
Are Barclays bank BT cards the best options for me? I had to deal with this bank and was satisfied.

If the card you want to transfer balance from is issued by Barclaycard, you won’t be able to transfer balance to another U.S. Bank balance transfer credit card. You will have no choice but to consider credit cards...

Read more
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commentsABOUT 0% INTRO APR
ON BALANCE TRANSFER CREDIT CARDS

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