Ad Disclosure

Best Balance Transfer Credit Cards

Last update: Oct 1, 2014

best balance transfer credit cards The best balance transfer credit cards are those that have the longest introductory periods and/or the lowest balance transfer fees. Most balance transfer offers do not provide both, however, so the products listed below (some of which originate from CardHub advertising partners) are those that our editors identified as striking the best combination of long 0% intro periods and low or no balance transfer fees. No matter the card you eventually choose, we strongly recommend that you plan to pay off your balance in full before the intro period concludes because interest rates usually spike once this occurs.

Excellent Credit Best Balance Transfer Credit Cards for Excellent Credit
Chase Slate®

slate credit card Apply Now

  • Transfer Intro APR: 0% for 15 months
    • Transfer Fee: None
  • Regular APR: 12.99% - 22.99% (V)
  • Annual Fee: $0
  • Rewards: None
  • Editor's Notes: The Slate Card is what's known as a free balance transfer credit card, as it offers a 0% introductory rate and charges neither a balance transfer fee more
  • Learn More »
 
Citi® Diamond Preferred® Card

citi diamond preferred card visa Apply Now

  • Transfer Intro APR: 0% for 18 months
    • Transfer Fee: 3% (min $5)
  • Regular APR: 11.99% - 21.99% (V)
  • Annual Fee: $0*
  • Rewards: None
  • Editor's Notes: The Citi Diamond Preferred Card offers the longest 0% introductory term on the credit card market, at 18 months. While the 0% rate applies to balancemore
  • Learn More »
 
Santander Bank Sphere Credit Card

sovereign bank visa signature card Apply Now

  • Transfer Intro APR: 0% for 24 months
    • Transfer Fee: 3%
  • Regular APR: 12.99% - 24.99% (V)
  • Annual Fee: None
  • Rewards: Points
  • Learn More »
 
Capital One® Platinum Prestige Credit Card

capital one platinum prestige credit card Apply Now

  • Transfer Intro APR: 0% until December 2015
    • Transfer Fee: 3%
  • Regular APR: 10.9% - 18.9% (V)
  • Annual Fee: None
  • Rewards: None
  • Editor's Notes: The Capital One Platinum Prestige Card offers straightforward value to consumers who have good credit standing and wish to minimize the cost of big-timore
  • Learn More »
Good Credit Best Balance Transfer Credit Cards for Good Credit
Capital One® Platinum Prestige Credit Card

capital one platinum prestige credit card Apply Now

  • Transfer Intro APR: 0% until December 2015
    • Transfer Fee: 3%
  • Regular APR: 10.9% - 18.9% (V)
  • Annual Fee: None
  • Rewards: None
  • Editor's Notes: The Capital One Platinum Prestige Card offers straightforward value to consumers who have good credit standing and wish to minimize the cost of big-timore
  • Learn More »
 
Citi ThankYou® Preferred Card – Low Intro APRs

thank you credit card Apply Now

  • Transfer Intro APR: 0% for 15 months
    • Transfer Fee: 3% (min $5)
  • Regular APR: 12.99% - 22.99% (V)
  • Annual Fee: $0*
  • Rewards: Points
  • Learn More »
Fair Credit Best Balance Transfer Credit Cards for Fair Credit

Unfortunately, there are no balance transfer credit cards for people with fair credit. Below is the best credit card for people with fair credit.

Capital One® Platinum Credit Card

capital one standard platinum Apply Now

  • Transfer Intro APR: N/A
    • Transfer Fee: None
  • Regular APR: 24.9% (V)
  • Annual Fee: $0 for 1st yr, $19 after
  • Rewards: None
  • Editor's Notes: Given that it does not charge an annual fee during the first year, the Capital One Platinum Credit Card can serve as a viable low-cost credit buildingmore
  • Learn More »
Limited History Best Balance Transfer Credit Cards for Limited History
College Students

Unfortunately, there are no balance transfer credit cards for people with limited credit. Below is the best credit card for people with limited credit.

JourneySM Student Rewards from Capital One®

capital one student rewards credit card Apply Now

  • Transfer Intro APR: N/A
    • Transfer Fee: None
  • Regular APR: 19.8% (V)
  • Annual Fee: None
  • Rewards: Cash Back
  • Editor's Notes: Not only does the Capital One Journey Student Rewards Card offer straightforward, lucrative rewards without charging an annual fee, it also promotes gmore
  • Learn More »
Non-College Students

Unfortunately, there are no balance transfer credit cards for people with limited credit. Below is the best credit card for people with limited credit.

Capital One® Platinum Credit Card

capital one standard platinum Apply Now

  • Transfer Intro APR: N/A
    • Transfer Fee: None
  • Regular APR: 24.9% (V)
  • Annual Fee: $0 for 1st yr, $19 after
  • Rewards: None
  • Editor's Notes: Given that it does not charge an annual fee during the first year, the Capital One Platinum Credit Card can serve as a viable low-cost credit buildingmore
  • Learn More »
Bad Credit Best Balance Transfer Credit Cards for Bad Credit
Secured Card

Unfortunately, there are no balance transfer credit cards for people with bad credit. Below is the best secured credit card for people with bad credit.

Capital One® Secured Mastercard®

capital one secured credit card Apply Now

  • Min Deposit: $49, $99, or $200
  • Annual Fee: $29
  • Monthly Fee: None
  • One-time Setup Fees: None
  • Regular APR: 22.9% (V)
  • Editor's Notes: While the Capital One Secured MasterCard charges a higher annual fee than certain other cards in its class, the fact that it can be a partially-securemore
  • Learn More »
Unsecured Card

Unfortunately, there are no balance transfer credit cards for people with bad credit. Below is the best unsecured credit card for people with bad credit.

Credit One Bank® Credit Card with Gas Rewards

credit one credit card Apply Now

  • Annual Fee: $35 - $99
  • Monthly Fee: None
  • One-time Setup Fees: None
  • Regular APR: 17.90% - 23.90% (V)*
  • Learn More »
About our Editor's Picks

Our editors' recommendations for the Best Balance Transfer Credit Cards are a reflection of their own subjective opinions, and they should not be relied upon as the sole basis for choosing your credit card. We work hard to present you with the most accurate credit card information, however, the credit card terms and conditions do not originate from us and thus we do not guarantee the accuracy of the information. Before applying for a credit card we recommend that you verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences.

Ad Disclosure: Certain offers originate from paying advertisers, and this will be noted on a card's details page using the designation "Sponsored Card", where applicable. Advertising status does not affect which cards show up on this page but may impact the order in which they appear. At CardHub we try to list as many credit card offers as possible and currently have more than 1,200 offers, but we do not make any representation of listing all available offers.

Ask our Experts
EXPERT’S ANSWERS

What is the Best Balance Transfer Credit Card for me?

By: Odysseas PapadimitriouIn short, the best balance transfer credit card is the one that will save you the most money. Therefore in answering this question, you must consider how your current interest costs compare to the combined cost of the balance transfer credit card's APR and balance transfer fee. It's always tempting to simply apply for the balance transfer credit card with the longest introductory period. However, applying for a card and getting declined might hurt your credit score and therefore reduce your chances for approval when you try again, so make sure to apply for a balance transfer card geared toward people of your credit standing.

How large of a balance can I transfer?

By: Ross GarnerThe rule of thumb is that you should be able to transfer a balance equal to your largest credit line. For example, if you have three credit cards, one with a $3,000 credit line and two with $1,500 credit lines, you shouldn't count on getting approved for a balance transfer too much higher than $3,000.

For what types of debt can I use a balance transfer credit card?

By: Liana ArnoldMost people think that a balance transfer only works between two different credit cards. However, you can transfer any kind of debt to a balance transfer credit card as long as this debt is tied to a numbered account at a financial institution. Therefore, the best balance transfer is that which will lower your interest costs the most, whether these costs derive from an auto loan, a student loan, another credit card, etc.
COMMUNITY DISCUSSION

Help others find the best credit card by sharing what your deciding factor was when choosing your card (customer service, interest rate, fees, convenience, rewards, etc.)

 
October 1, 2014
Photo of John R.
By: John Reed
I've used the Chase Slate card to transfer a high balance and it was fantastic. My credit is average, and I didn't have a problem applying for the card. I had about 1200 dollars in credit card debt that was accruing 23 or 24 percent APR that I was able to put onto the Chase Slate, and was able to do so with their ZERO fee introductory rate. They also offered a 15-month ZERO APR on transfers. I was able to pay down that previous debt within the 15 months, and saved myself a ton of money. Now that the balance is paid, they send me letters to make more more
September 18, 2014
Photo of Carol K.
By: Carol Kmiks
Citi Thank You Reward is the credit card I used to transfer my balance from another account. They had the longest duration of 0% APR. And once because I was traveling, I had made my payment late (I'm talking hours late, time difference). I was worried about my 0% APR so I "spoke" or chatted with one of their customer service and was told that it is OK and I don't have to worry about losing my 0% APR. Because of the great customer service (rarity), I plan to keep this account open when I am done paying off my debt and perhaps use it as my main credit card more
September 9, 2014
Photo of Elias C.
By: Elias Carlon
USAA World Mastercard is a superior credit card when it comes to balance transfers. With a 0% APR for 12 months it helps cut down on interest payments. The best feature of this card though is that after 12 months the interest is only 9.99%!
July 21, 2014
Photo of Stan M.
By: Stan Mars
The Santander Bank Sphere Credit Card is the best credit card to have above if you are interested in doing a balance transfer. Despite the fact that the card has a 3% balance transfer fee, it provides 24 months with 0% interest on balance transfer. A really good offer considering the other credit cards only offer about 15 to 18 months.
July 12, 2014
Photo of Amanda T.
By: Amanda Taylor
The Chase Slate card is the best thing I could have done for myself when I needed to transfer a balance from a 22.99% APR card. It helped me pay the credit balance I had off for no fees, as opposed to being charged $70/month in interest on my other card. I'm still paying the balance down (within the 15 month time frame still), but I plan on keeping this line of credit open when the balance is paid.
June 20, 2014
Photo of Amanda F.
By: Amanda Fischer-Duncan
Capital One platinum prestige card is the best in my opinion. Even if you do not have perfect credit you can get a good rate and a pretty lengthy term at 0% for balance transfers. Plus I have never had a problem with capitol one customer service. I have had to call in a couple times and have always been treated with respect and was listened too. I am one to look for great rates and great customer service.
May 28, 2014
Photo of KT S.
By: KT Simon
Avoid at all costs Bank of America credit cards. They cut credit lines and remove accumulated rewards with little to no notice. And no, I'm not some deadbeat who doesn't pay his bills or is over extended on credit, I had seen where they had done this to several people. I am a huge, huge fan of the Chase Sapphire Preferred Card. Customer service is second to none. They smoke Amex in that department. Generous credit lines and great rewards. It's the card I give to all my family members. I have several to chose from. The rewards are all transferrable to my Southwest Rapid Rewards which add up quickly. more
May 19, 2014
Photo of Dante G.
By: Dante Gonzalez
I signed up for the Chase Slate card at the beginning of the year. They were offering 0% APR on balance transfers for 15 months and no transfer fees for the first 2 months. I was originally approved for a very limited amount but after calling them and telling them that I wanted to do a balance transfer, they agreed to increase my limit to the amount that I needed. The card itself is very stylish and although I don't use it as often, since I mainly got it for the transfer balance, it still catches others' attention. The only thing that it doesn't have is any type of rewards, more
May 15, 2014
Photo of 'Hett P.
By: 'Hett Piepoo
I currently have the Chase Slate credit card. I would recommend this card to any with great credit. The staff at the credit card company are friendly, provide a wealth of knowledge, and are responsive to needs. You actually talk to a live individual and are able to communicate and have your needs met right away. I would primarily recommend this card for the introductory offer. Balance transfers are free with a 0% APR until 2016. A balance transfer took no longer than five calendar days to complete. This gives the individual an opportunity to pay off credit cards with much higher interest rates. If you qualify, I highly recommend more
April 26, 2014
Photo of Allie B.
By: Allie Bentley
The best credit card for balance transfers for me is the Capital One Platinum Prestige card. I changed from my previous card because of the exorbitant fees on transfers and the high APR, and I am very glad that I made the choice I did. After a 0% interest for the first year and a third - yes, sixteen entire months with no interest on transfers! - the transfer fees are very low, only 3% which isn't a large amount with the types of personal transfers I make. There are cards available with free transfer fees, but, in my opinion, they are not as reliable and trustworthy as the Capital more
April 16, 2014
Photo of Bryant M.
By: Bryant Molly-Fuehrer
In my opinion, the best card in this category would be the Chase Slate Visa card. I recently received this card and it's been nothing but a great experience. There were no transfer fees for the first two months and I used it to transfer a lot of money from one of my higher interest rate cards. As if the free transfer fees weren't enough, the card offers 0% interest for 15 months! I've had this card for about 3 months now, and it is by far the best one in my wallet.
April 7, 2014
Photo of Andrew S.
By: Andrew Shannon
The best card here hands down is the Chase Slate Visa. I decided to change cards when chase was running promotions this past Christmas season. I ended up getting a 0% interest rate for 15 months as well as a free balance transfer and a $200 in reward points for spending $500 in the first month of ownership. Free money will always earn my loyalty. the 0% interest rate and balance transfer fee weren't bad either.
April 2, 2014
Photo of Bobby T.
By: Bobby Tarumi
I've personally had an experience with the Chase Slate Visa card for a large balance transfer. I did a transfer from my Discover card a few years ago when I got really ill and ultimately lost my job. The 0% APR intro rate from Chase really saved me. What makes the Chase Slate the best in my opinion is that the offers can vary depending on your credibility. My APR after the intro period was 16.99%, and my intro period itself was 15 months long. It matched my credibility at the time very well, and I accepted Chase's pre-approved offer right away. Around the same time, I also received pre-approved more
March 7, 2014
Photo of Jackie F.
By: Jackie Farace
I opened my Discover More card with the express purpose of doing a balance transfer. Discover gave me a generous credit line and a decent promotional offer. The balance transfer was completed quickly and they didn't charge a huge fee, either.
February 13, 2014
Photo of Patricia V.
By: Patricia Van Landingham
Without a doubt, the best balance transfer credit card on the market right now is Chase Slate. I acquired it recently and found that everything went smoothly with the transfer. I didn’t have to pay a balance transfer fee, and I have a 0% APR for 15 months on transfers and purchases. I had a lot of debt to transfer, so these features were important to me. The card also comes with something that’s called Blueprint. It is used to track and budget spending. I’ve had a problem with budgeting in the past, which is how I got into so much debt in the first place, so I think this more
February 7, 2014
Photo of Andrew S.
By: Andrew Shannon
When i play my credit card game, i usually look for a card that has free balance transfers. Chase slate is that card. you can keep your 0% interest as long as you are willing to take a temporary credit rating hit to get another card.
February 7, 2014
Photo of Kyle A.
By: Kyle Arnold
I consider several factors when I choose a balance transfer card. I always look for the lowest APR first. All of mine have been 0%. Then I look for the longest term among those remaining options. 6 months is too short to really bother with, unless there's no balance transfer fee or the post promotion APR is low. I usually look for 18 months at 0%. The next most important thing is the balance transfer fee. 3% seems to be the average, but I've seen some without a fee at all!
February 1, 2014
Photo of Greg K.
By: Greg Kempisty
The Chase Slate is by far the best Transfer card out there--though it does require outstanding credit to gain approval. No transfer fee and 0% APR on transfers for the first 15 months means you save mega bucks when you need it most!
January 17, 2014
Photo of Drew G.
By: Drew Gonzalez
As stated by most of the previous posters the Slate card from chase offers the highest flexibility offered by any balance transfer card on the market. Without the Slate card I would have a hard time getting through school. If you need a balance transfer card for any reason this is the way to go. There are a lot of balance transfer cards out there but none of them offers the same security the Slate card does.
January 11, 2014
Photo of Brandon H.
By: Brandon Hellman
The best balance transfer credit card has to be Slate from Chase. When you transfer a balance to the Slate Card, there is no interest for 15 months. Along with that, there is no fee to transfer a balance like other cards out there. While there are no rewards with the card, there is also no fee with it. Plain and simple, if you're looking for the best card to transfer you balance to then Slate from Chase is your best option.
January 9, 2014
Photo of Bethany B.
By: Bethany Brewster
I was in need of a balance transfer to help consolidate some of my other credit cards and have one payment to pay off faster. I used the Citi ThankYou Preferred Card for that and it was a seamless transaction. and perfect for what I needed. Over all it was the best one I have dealt with.
January 3, 2014
Photo of Elias J.
By: Elias Johnson
If you have a good credit history and you are looking for a balance transfer card, I recommend the Capital One Platinum Prestige Credit Card. I had accepted several credit card offers over the years and found that I now had over 10 credit cards. This was not appealing to me and I decided to do a balance transfer so that I would have only one credit card. Overall I found that the Capital One Platinum Prestige Credit Card was the best for my situation and I would not hesitate to recommend it to others.
January 2, 2014
Photo of James L.
By: James LeGrand
I think that one of my personal favorite Transfer cards has to be the Slate card offered by Chase. It offers a variety of the lowest fees you can find on a Balance Transfer Credit Card. The slate card helped me when I was getting started with my business. I used it to deal with debt and bills while utilizing other cards for my business and personal life. I no longer use the Slate card. But when I did it was perfect for getting started.
December 26, 2013
Photo of Chip S.
By: Chip Song
The first balance transfer credit card that I ever had was the Chase Slate card. From this, I have learned that it is probably the most efficient, effective, and best balance transfer card I have used. Because I didn't know a lot about credit cards when I first got it, I expected to be manipulated with interest. However, the Slate card doesn't have any annual fee, has 0% transfer fees, and the APR is actually pretty decent. The Chase Slate card is great for anyone needing a balance transfer card. Although I don't use the card anymore, I recommend this card highly for anyone needing a transfer card.
December 19, 2013
Photo of Doug M.
By: Doug Miller
The best balance transfer card I’ve seen is the Capital One Journey Card. Anytime you are transferring a balance, you don’t want it to end up costing you more no matter how fast you pay off the balance. With no annual fee, it reduces your cost upfront, and by having a 0% transfer rate, you save a lot of money in interest. This can add up to very big savings in the long run. Before you decide on a Balance Transfer credit card, make sure you read the fine print and see if the transfer rate is only good for a certain amount of time.
December 9, 2013
Photo of Kyle S.
By: Kyle Storm
Slate from Chase is a really good card. I have a few credit cards in my wallet but the slate card is in my opinion one of the very best. I don't pay much interest to them, and they are very flexible when it comes to payments. I prefer the Chase card above most other cards I have
December 3, 2013
Photo of Cody D.
By: Cody DeLong
The best card for transferring your balance is the Slate card from Chase. I feel like it is the best deal out of any other card since it has a 0% transfer rate and no APR for 15 months. I'm actually going to go ahead and apply for this card ASAP to help pay down some cards because the deal is the best out of all of them. The terms are also on par with some of the best cards out there as well. This card is a winner for anyone looking to pay off bills!
December 3, 2013
Photo of David C.
By: David Chau
The Discover IT card is one of the best balance transfer credit cards I have had. I try to move my balances over when I get the opportunity to try to save on interest, and the Discover IT card was an amazing card for this purpose. Their intro APR length is on the higher end and I had no issues whatsoever with this card when it came to my balance transfer. I was also offered a lower APR than the balance I was transferring it from, so it was a win-win situation for me.
November 25, 2013
Photo of Quinn C.
By: Quinn Carter
One of the main reasons I look for a transfer card is to help lessen my debt load, and so it is important that there is a long time period of no interest rates for transfers. The Citi Diamond Preferred Card with its 18 months of 0% interest cannot be beat. The transfer fee, for me, is fine if it means low interest for more than a year!
November 23, 2013
Photo of Kyle C.
By: Kyle Curry
My wife and I have been thinking more and more about getting completely out of debt recently. We are both teachers and over the first few years we spent a lot of money trying to outfit our classrooms. We did not even notice how high our credit cards bill have climbed. One of the credit cards that she has has a very high interest rate, so we have started looking into balance transfer options. We have been considering moving the balance over to Slate by Chase, it is the only card that we have found that does not charge a transfer fee. That is a win in our book!!
November 14, 2013
Photo of Ashley F.
By: Ashley Fraiser
The great thing about the capital one platinum card is that in addition to the monthly interest rate not being very much, they don't charge a very high fee to transfer balances. I recently transferred the balance of a store card I had over to this card in order to save money paying the card off and it's really come in handy! If ever I need to save money and cut corners on my finances I know what to do if I need to transfer the balance of any other cards of mine!
November 7, 2013
Photo of Quinn C.
By: Quinn Carter
The balance transfer card that I think would best suit me is the Capital one Journey card. This card is attractive with its 0% transfer APR, as well as its lack of annual fees and the lower interest rates than the other cards. This card is perfect for someone who needs to transfer a large balance and does not want to incur expenses due to fees and transfer rates.
November 4, 2013
Photo of David C.
By: David Chau
I was offered the Citi ThankYou Preferred card in the mail and decided to apply for it when I saw the 15 months of 0 APR. I was looking to spread some of my balances around and this worked great. I got a ton of points out of it that I redeemed for gift cards, so it was a great bonus. I have had no issues with this card and the APR I was offered was lower than some of the other cards I had. It is a solid card with solid offers and I've definitely been pleased with this.
November 1, 2013
Photo of Andy I.
By: Andy Ing
Based on my history with credit cards, I would have to say that the Chase Slate is my favorite Balance Transfer Credit Card. It has a long period of 0% APR (15 months) and there is no transfer fee whatsoever. The Slate also comes with a feature that helps me track my spending if I needed to keep an eye on that.
October 21, 2013
Photo of Andre F.
By: Andre Figueroa
Recently got the chase slate and its been the best balance transfer for me. Aside from the awesome customer service(In my opinion, its balance transfer options are great. 15 months no APR as the lowest APR(In my situation) of 12.99% was great, even better than my Freedom. The lack of any sort of point system does keep this from being truly amazing, but seeing as how I have two credit cards, I can balance purchases wisely and get the best of both worlds. Id recommend checking out this card as an option if youre looking for a good balance transfer card. I simply trust Chase and this was the nicest more
October 19, 2013
Photo of Quentin L.
By: Quentin LeBeau
The Capital One Platinum Prestige Credit Card is a credit card I’ve had for many years. I originally got it because I needed a second credit card. They quickly made me aware of the fact the offered 0% APR for any balance transfer for 16 months. This let me move a balance I had on my other high interest card over. Because of this I was able to pay off the balance faster and save good bit money while doing so. Balance transfers are a useful feature when you take advantage of the fact you have one.
October 14, 2013
Photo of Constantina H.
By: Constantina Hauser
I got the Capital One Secured card because of my low credit score, but one advantage I found with this card is the fact that I can transfer balances from any other card. I have increased my security deposit over the years to such a high a number that some months I transfer 5 or more cards to this account and pay it off from there on. This card does have a high interest rate, therefore I make payments every month without having to pay any interest. I am a big fan of capital one and I have 2 other cards from this bank
October 11, 2013
Photo of Stephen M.
By: Stephen Marth
I believe that the Capital One Platinum Prestige Credit Card is a great card for those that need a balance transfer. I use balance transfers with my student loans to help save money and what this card offers for balance transfers is great. You get 0% for quite some time and all you pay is 3%, which is pennies compared to my abnormally high interest rates. The APR for the card is also very low, if you have good credit. While there are no rewards, there isn't an annual fee, which is great. If you need to balance transfer and have good credit, I highly suggest you sign up for more
October 7, 2013
Photo of Jeremy A.
By: Jeremy Arotsky
I think the Citi Diamond Preferred is a great balance transfer card. When you sign up you get a 0% introductory APR for a fifteen month period, which is great to carry a balance on temporarily. I have one, and I like to put a few bills on it and I also plan on transferring some balances subject to interest soon to take advantage of the 0%. Afterward, the APR is usually pretty low, and I believe there are also future 0% offers.
October 6, 2013
Photo of Lucy M.
By: Lucy Morgan
The Citi Thank You card is excellent for people who have good credit because you will get a 0% APR for 15 months, and then a rate as low as 12.99% thereafter. Along with that, you get points on every single purchase you make with the card. This card is perfect for someone who loves restaurants, the theater, or going out to see movies because you will get double points on every dining and entertainment purchase made with the card. I find that hard to beat.
Page: 1 · 2