Balance Transfer Credit Card Applications

ADVERTISING DISCLOSURE

ADVERTISING DISCLOSURE:
Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.

Easy Balance Transfer:

0% Intro APR for Up to 21 months!

Balance transfer credit cards give you an opportunity to pay off your debt on more advantageous terms. Switching to another credit card with 0% APR on balance transfer, you can get rid of your debt and save a lot of money. Fill out an application form online for any card you like and apply.
FEATURED BALANCE TRANSFER OFFERS for AUGUST 2019:
CHOICE OF
2019
Great Rewards +
0% intro APR on Balance Transfers for 18 months.
14.24% - 25.24% Variable after that
Balance transfer fee: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
$0 Annual Fee.
0% intro APR on Balance Transfers for 21 months.
16.74% - 26.74%* (Variable) after that
Balance transfer fee: 5% of each balance transfer; $5 minimum.
Only for Excellent, Good Credit History
See card details
Only for Excellent, Good Credit History
See card details

Other Balance Transfer Credit Cards:

0% Balance Transfer
Credit Cards
NO Balance Transfer
FEE Credit Cards
Compare
Key Feature: 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.
Expert Rating:
Summary of Card Features:
Intro APR on Bal. Tr.Fee on Bal. Tr.Intro APR
on Purch.
Regular APRAnnual Fee
0% 18 months on Balance Transfers*3%N/A15.99% - 25.99% (Variable)$0
Card Details:
  • 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 15.99% - 25.99% based on your creditworthiness.
  • Click “Apply Now” to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • Balance Transfers do not earn cash back.
  • The standard variable APR for Citi Flex Plan is 15.99% - 25.99% based on your creditworthiness.*
More details
Our Expert Opinion
  • 0% Intro APR on Balance Transfers for 18 months
  • Earn cash back as you pay for your purchases
  • No annual fee

  • Balance transfer fee applies
See card details
Excellent, Good Credit
Compare
Key Feature: The Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
Expert Rating:
Summary of Card Features:
Intro APR on Bal. Tr.Fee on Bal. Tr.Intro APR
on Purch.
Regular APRAnnual Fee
0% 15 months on Balance Transfers3%0% 15 months on Purchases15.49% - 25.49% (Variable)$0
Card Details:
  • The Citi Rewards+℠ 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 15.49% - 25.49%, 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.
  • Get 10% Points Back for the first 100,000 ThankYou® Points you redeem per year
More details
Our Expert Opinion
  • Points round up.
  • Promo APR on balance transfers and purchases.
  • No annual fee.

  • Balance transfer fees.
See card details
Compare
Key Feature: 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 13.24%, 17.24% or 21.24% will apply.
Expert Rating:
Summary of Card Features:
Intro APR on Bal. Tr.Fee on Bal. Tr.Intro APR
on Purch.
Regular APRAnnual Fee
0% Intro APR for 18 months4%0% Intro APR for 18 monthsVariable APR of 13.24%, 17.24% or 21.24% will apply after the Introductory PeriodNone
Card Details:
  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 13.24%, 17.24% or 21.24% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply
More details
Our Expert Opinion
  • 18-month 0% intro APR on Purchases and BT.
  • No annual fee.
  • No penalty APR.

  • Balance transfer fee
See card details
Compare
Key Feature: One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
Expert Rating:
Summary of Card Features:
Intro APR on Bal. Tr.Fee on Bal. Tr.Intro APR
on Purch.
Regular APRAnnual Fee
0% intro on balance transfers for 15 months3%0% intro on purchases for 15 months16.24% - 26.24% (Variable)$0
Card Details:
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • 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; 16.24%-26.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 16.24%-26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
More details
Our Expert Opinion
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • 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

See card details
Compare
Key Feature: Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Expert Rating:
Summary of Card Features:
Intro APR on Bal. Tr.Fee on Bal. Tr.Intro APR
on Purch.
Regular APRAnnual Fee
0% intro on balance transfers for 15 months3%0% intro on purchases for 15 months16.24% - 26.24% (Variable)$0
Card Details:
  • 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; 16.24% - 26.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 16.24% - 26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee
More details
Our Expert Opinion
  • 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

See card details
Excellent,Good Credit
Compare
Key Feature: 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.
Expert Rating:
Summary of Card Features:
Intro APR on Bal. Tr.Fee on Bal. Tr.Intro APR
on Purch.
Regular APRAnnual Fee
0% introductory APR for the first 12 months. Applies to transfers made within the first 90 days from account opening.See termsn/a15.74% to 25.74%, based on your creditworthiness$149
Card Details:
  • 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
More details
Our Expert Opinion
  • Use promo code to get additional miles (limited time offer)
  • Redeem LifeMiles for Avianca flights.
  • Get discounts on award tickets.

  • High annual fee.
See card details
Excellent Credit
Compare
Key Feature: No Annual Fee.
Expert Rating:
Summary of Card Features:
Intro APR on Bal. Tr.Fee on Bal. Tr.Intro APR
on Purch.
Regular APRAnnual Fee
N/ANONEN/A10.50% (variable)NONE
Card Details:
  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved.
  • Low 10.50% variable standard purchase APR and platinum benefits.
  • No Annual Fee.
  • No balance transfer fee for balances transferred in response to this online offer.
More details
Our Expert Opinion
  • No Balance Transfer Fee.
  • Low variable APR.
  • No annual fee.

  • No Intro APR.
See card details
Compare
Key Feature: Travel Rewards - cardholders who enroll in the program receive 1.25 points per net dollar spent.
Expert Rating:
Summary of Card Features:
Intro APR on Bal. Tr.Fee on Bal. Tr.Intro APR
on Purch.
Regular APRAnnual Fee
N/ANONEN/A12.50% (variable)NONE
Card Details:
  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved.
  • Low 12.50% 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.
More details
Our Expert Opinion
  • Low variable APR.
  • No annual fee.
  • No Balance Transfer Fee.
  • Travel Rewards.

  • No Intro APR.
See card details

What is Balance Transfer Credit Card

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

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

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

Learn more about Balance Transfer! Use CreditLand Resources:

CREDIT CARD RESEARCH
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 that will help you avoid paying credit card...
Balance Transfers Within The Same Bank: What You Need To Know Transferring a credit card balance from a high-APR card to a card with a zero-interest promotional rate is one of the best ways to pay down debt. But...
How the Fed Rate Rise Impacts Credit Cards Recently, the Federal Reserve hiked its benchmark rate by a quarter percentage point, as a result, you could see a rise of the interest rates on your...

Balance Transfer for Limited Credit Credit Cards

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

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

See no balance transfer fee credit card offer>>

Balance Transfer Video

Balance Transfer: Save on Average $1,400

May 08, 2015

Balance Transfer Calculator

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

Balance Transfer with Your Favorite Bank

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

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

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

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

+ Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.

You've successfully subscribed!

Please specify the following:All these fields are optional

Your Credit History
Themes you are interested in:

By providing this information you help us make our news letters more useful and informative. Thank you!