ADVERTISING DISCLOSURE
ADVERTISING DISCLOSURE:
Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most 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.

Transferring Balance to a New Credit Card Step-by-Step

The content is accurate at the time of publication and is subject to change.

This content is not provided by Citi. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the Citi.

There's no better way to save big dollars if you're carrying a large balance on a high-APR card than transferring that balance. Whether you take advantage of a low APR for six months or a 0% introductory APR offer for 18 months, you're sure to save something.

Best credit card offers for transferring balance

There are many balance transfer card offers available, so pay close attention to the length of zero interest on balance transfers the cards offer. Most range between 12 and 21 months, but you can look out for promotions spanning longer periods, which give extra time to pay off the debt and cut the amount you need to pay monthly. Compare offers from our partners below to find the best credit card for you:

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 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 21 months from account opening on qualifying balance transfers
Intro APR on Purchases
0% intro APR for 21 months from account opening
Regular APR
17.99% - 29.99% variable APR
Balance Transfer Fee
5%; min: $5
Annual Fee
$0
  • 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.99% to 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 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 21 months from account opening

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

Ongoing APR:
17.99% - 29.99% variable APR

Balance Transfer Fee:
5%; min: $5

Annual Fee: $0

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

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
18.49% - 28.49% (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 25,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $250 in gift cards at thankyou.com

    Plus, for a limited time, earn 5 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ Portal through June 30, 2024.
  • 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 18.49% - 28.49%, 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:
18.49% - 28.49% (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

25,000 ThankYou® Points

Earn 25,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $250 in gift cards at thankyou.com

Rewards

Earn 5 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ Portal through June 30, 2024.

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.

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
19.99%, 24.99%, or 29.99% 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 $500 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 19.99%, 24.99%, or 29.99% 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:
19.99%, 24.99%, or 29.99% 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 $500 in purchases in the first 3 months

Rewards

Earn unlimited 2% cash rewards on 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
18.99% - 28.99% (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 18.99% - 28.99%, 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:
18.99% - 28.99% (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 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
18.99% - 28.99% (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 18.99% - 28.99%, 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:
18.99% - 28.99% (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.

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
12.74% - 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:
12.74% - 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% (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

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
19.74% Variable
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:
19.74% Variable

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

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

When it comes to balance transfers, it's important to understand all the terms and conditions before making a move. Knowing how to do a balance transfer can help you consolidate your credit card debt while saving money on interest charges.

Credit cards with the longest 0% intro APR on balance transfers

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 21 months from account opening on qualifying balance transfers
Intro APR on Purchases
0% intro APR for 21 months from account opening
Regular APR
17.99% - 29.99% variable APR
Balance Transfer Fee
5%; min: $5
Annual Fee
$0
  • 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.99% to 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 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 21 months from account opening

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

Ongoing APR:
17.99% - 29.99% variable APR

Balance Transfer Fee:
5%; min: $5

Annual Fee: $0

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

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
18.49% - 28.49% (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 25,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $250 in gift cards at thankyou.com

    Plus, for a limited time, earn 5 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ Portal through June 30, 2024.
  • 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 18.49% - 28.49%, 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:
18.49% - 28.49% (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

25,000 ThankYou® Points

Earn 25,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $250 in gift cards at thankyou.com

Rewards

Earn 5 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ Portal through June 30, 2024.

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.

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 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
18.99% - 28.99% (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 18.99% - 28.99%, 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:
18.99% - 28.99% (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 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
18.99% - 28.99% (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 18.99% - 28.99%, 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:
18.99% - 28.99% (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.

How to do a balance transfer step-by-step

Completing a balance transfer might be easier than you think. Here's a quick rundown on how to make a balance transfer as smooth as possible:

1. Gather information

Decide which balance you'd like to transfer and gather all the information about that account: the account number, the name and address of the card issuer, the address where you send payments, and the amount you want to transfer. If you're transferring debt from multiple accounts, you'll need to collect details for each.

2. Compare your top picks

Choose a balance transfer credit card with a great low or zero-interest deal. Read through the terms and conditions and consider factors like the balance transfer fee and the ongoing APR that will apply after the introductory period ends.

3. Apply for a new credit card

Apply for the new card by filling out an application online. It only takes a few clicks to apply online in the most convenient way. Have your personal info handy, as well as the information about the balance you are going to transfer. Once approved, you can request your balance transfer.

4. Initiate a balance transfer

Some card issuers allow you to apply for the balance transfer at the same time you apply for the new credit card. If applying online, there is usually a separate section where you can enter your existing balance information if this is the case. This option is good when the amount you want to transfer is small because you don't know what your credit limit is until you get approved for the card. Note, if you request to transfer more than the available limit, the balance transfer will more likely be declined.

5. Understand the terms and conditions

If you weren't able to apply for the transfer at the same time you applied for your new card, fill out an application as soon as you are approved and receive the new card. There is usually a time limit for making balance transfers, which may be anywhere from the first 30 days to four months after the account opening. Check with your bank and find out how much time you have to initiate a balance transfer after account opening.

6. Do a balance transfer fee math

Most balance transfer cards charge a balance transfer fee, usually 3% to 5% of the amount being transferred. This expense will have to be paid upfront on the amount transferred. Some cards don't charge a fee or will waive it during a promotional offer. Always remember to factor in a balance transfer fee when deciding whether to do a balance transfer. It may make more sense to transfer one large balance rather than several small ones, depending on how much the fee is.

7. Make timely payments

Continue making on-time payments to your old card until you get a confirmation that the transfer has posted. Usually, the transfer will post within one billing cycle, but it may take up to six weeks, so it's important not to miss a payment. If your payment ends up crossing with the transfer, and you overpay the card, your old card issuer will refund you. Better to overpay than risk a late payment.

8. Don't close your old credit card accounts

Do not rush into closing your old credit card account, even if it has a zero balance. Closing accounts shortens your credit history and lowers your total available credit, which can hurt your credit score. Eventually, you may not want to close your card, especially if it doesn't have annual fees.

9. Pay off your balance before the promotional period ends

Most balance transfer offers come with a limited-time introductory APR. To save as much money as possible on interest charges, pay off as much of your new balance as you can before the promotional rate expires. Once your promotional period is over, the regular APR for balance transfers will apply. If your card offers an introductory 0 ARR on balance transfers for 15 to 21 months, try to pay off your balance before the introductory rate ends for maximum savings.

must read FEATURED NEWS
AND RELATED RESEARCH

News: Limited-Time Credit Card Promotions of May 2023 - Credit-Land.com
May 24, 2023

Limited-Time Credit Card Promotions of May 2023

We all know that credit cards can have special welcome bonuses, but in addition to those welcome...

How Do Credit Card Balance Transfers Work?

How Do Credit Card Balance Transfers Work?

When you need to pay off your credit card debt, balance transfer credit cards are a popular...

EXPLORE
MORE CREDIT CARDS BY CATEGORIES

Cash Back
Travel
Balance Transfer
Low Interest
Fair Credit

questions ABOUT BEST CREDIT CARDS
FOR BALANCE TRANSFERS

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
I have a balance I'd like to transfer, because it's at a high interest rate. But the card I'm considering applying for charges a balance transfer fee. Should I avoid it or go ahead?

As a general rule, people don't like paying fees. But sometimes, fees are worth paying. In the case of a balance transfer, it's often well worth paying a 3% fee on the balance, if it's a significant amount, and if your...

Read more
I transferred a balance to a new card with a 0% APR promotional rate so I could pay my debt down faster. Can I still use the card to make purchases while I am making payments on my transferred balance?

That's a good question, and one that many people don't think to ask before using their new balance transfer credit cards. In fact, you can use your new card to make purchases – but it's not a good idea to do so. The...

Read more
See all questions

NOT SURE WHICH CARD
TO CHOOSE?

Ask our Experts and get free advice to your email!

ASK QUESTION

comments ABOUT BEST CREDIT CARDS
FOR BALANCE TRANSFERS🜂

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions. All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

WHAT IS YOUR QUESTION?

Please enter your question and contact information so that we could send our answer to you by e-mail. Note: Please do not include personal information such as your SSN#, credit or debit account numbers.

EXTRA QUESTIONS TO DESCRIBE YOUR SITUATION IN MORE DETAILS:

* - required fields

By submitting your question, you agree to the following:*

Here at Credit-Land.com we will answer all questions to the best of our knowledge and understanding, but we are not legally accredited professionals. We assume no liability for actions resulting from our advice and cannot guarantee the accuracy of information in all cases. Please seek appropriate professional or legal advice when needed.

Questions submitted to Credit-Land.com may be posted to our website with your first name, and may be edited for length and clarity. Please do not submit your Social Security number, credit or debit card number, or bank account number to us - though we will never share your name or email with anyone, sensitive information should never be posted to an FAQ form. We are not a bank or a credit card issuer, and we do not have access to your account information.

Thank You, Your Question Has Been Successfully Sent!
YOU'VE SUCCESSFULLY SUBSCRIBED!
PLEASE SPECIFY THE FOLLOWING:
All these fields are optional
your credit history
Excellent (750-850)
Good (700-749)
Fair (640-699)
Bad (350-639)
No Credit History
OR ENTER YOUR EXACT CREDIT SCORE
THEMES YOU ARE INTERESTED IN:
Traveling with Credit Cards: how to Save and Earn Rewards
How to Take Advantage of Credit Card Rewards
Credit Cards for Building Credit
Business Credit Card Offers
How to Save with Balance Transfer Credit Cards
Special Credit Card Offers for Students
Credit Cards with Low Interest Rates
Benefits of Credit Cards with No Annual Fee
Best Credit Card Offers with 0% Intro APR
By providing this information you help us make our news letters more useful and informative. Thank you!