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Best Balance Transfer Credit Cards

Last update: Apr 1, 2015

best credit card deals 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®

chase slate 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: Best for Balance Transfers. The Slate Card is what's known as a free balance transfer credit card, as it offers a 0% introductory ratmore
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Citi® Diamond Preferred® Card

citi diamond preferred card Apply Now

  • Transfer Intro APR: 0% for 21 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 21 months. While the 0% rate applies to balancemore
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Santander Bank Sphere Credit Card

sovereign bank visa signature card Apply Now

  • Transfer Intro APR: 0% for 24 months
    • Transfer Fee: 4%
  • Regular APR: 12.99% - 24.99% (V)
  • Annual Fee: None
  • Rewards: Points
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Capital One® Platinum Prestige Credit Card

capital one platinum prestige Apply Now

  • Transfer Intro APR: 0% until June 2016
    • Transfer Fee: 3%
  • Regular APR: 10.9% - 20.9% (V)
  • Annual Fee: None
  • Rewards: None
  • Editor's Notes: Best for Financing. The Capital One Platinum Prestige Card offers straightforward value to consumers who have good credit standing anmore
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Good Credit Best Balance Transfer Credit Cards for Good Credit
Capital One® Platinum Prestige Credit Card

capital one platinum prestige Apply Now

  • Transfer Intro APR: 0% until June 2016
    • Transfer Fee: 3%
  • Regular APR: 10.9% - 20.9% (V)
  • Annual Fee: None
  • Rewards: None
  • Editor's Notes: Best for Financing. The Capital One Platinum Prestige Card offers straightforward value to consumers who have good credit standing anmore
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Chase Slate®

chase slate 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: Best for Balance Transfers. The Slate Card is what's known as a free balance transfer credit card, as it offers a 0% introductory ratmore
  • 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.

Barclaycard® Rewards MasterCard®

barclaycard credit card Apply Now

  • Transfer Intro APR: N/A
    • Transfer Fee: 3%
  • Regular APR: 24.99% (V)
  • Annual Fee: None
  • Rewards: Points
  • Editor's Notes: Best for Low Cost Credit Improvement. This card offers exactly what most people with fair credit are looking for: no annual fee (whimore
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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: Best for College Students. Not only does the Capital One Journey Student Rewards Card offer straightforward, lucrative rewards withoumore
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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: Best for Low Cost Credit Improvement. Given that it does not charge an annual fee during the first year, the Capital One Platinum Cremore
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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: Best Partially Secured Card. While the Capital One Secured MasterCard charges a higher annual fee than certain other cards in its clamore
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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 Papadimitriou, CardHub CEOIn 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.)

 
Mar 2, 2015
By:
I’ve been using the Citi Simplicity® Card for some time now. What sold me was the that that this card offered no fee’s for using a balance transfer or making late payments. But now there rues have changed and they charge you five dollars or 3%, which everyone better. I just don’t see the point of paying to use a balance transfer! It makes me not want to have the card at all. I spoke to a support team to see if I could waive my fee, as I as A loyal customer. But they said no and were rude to me. So I may cancel this card now.
Feb 24, 2015
By:
I can't state more clearly, how much having a Capital One® Platinum Credit Card has changed the way I do business. It has reasonable rates for APR and balance transfers were even easier than any card I have used before. Since it is a card through Capital One, it is recognized and respected at any place that I use it. As a Capital One® Platinum Credit Card customer, I was able to switch my finances around, so that I decreased my overall interest on all the credit cards I already had been using. It is a wonder that more people aren't doing the same thing, and making some substantial balance transfers to help keep up with their credit card and financial debts.
Feb 10, 2015
By:
I am looking for a card to pay monthly bills on so in not late. And then pay it off every month. Which are the best for that ?
Feb 11, 2015
Photo of Joe W.
If your credit standing is average or below, focus on finding a card with no annual fee that you can actually get approved for. If you have good or excellent credit, you should concentrate on rewards cards. Your card’s interest rate won’t matter because you’ll be paying your bill in full. And, to ensure you’ll do so, make sure to set up automatic bill pay from your bank account for the full amount of your bill each month.
Feb 9, 2015
By:
The PSECU Credit Card is the best balance transfer card I've found. It offers 2.9% for a year! I've had nothing but good things to say after cutting through my credit card debt. Their online system is also pretty handy as you can access it anytime through your phone. The PSECU credit card also offers no transfer fees. I was able to wrap up some debt from my wedding that I had to consolidate as the 21.99% interest on the majority of my cards was killer. The approval process is all online and very simple. The customer service is great and I’ve had a pretty easy time working with them. I highly recommend not only the card for a balance transfer, but just for a great experience in banking all together.
Jan 23, 2015
By:
The best balance transfer credit card I have found is the Bankamericard Better Balance Rewards card. It is issued by the Bank of America and it is the only card that rewards you each quarter with $25 for paying more than the minimum due on your credit card balance. If you open a savings account with Bank of America you can get an additional $5 every quarter as well. That is a potential $120 earned every year completely passively just for paying down your credit card balance! You can have this money applied as a statement credit or deposited in a Bank of America savings account. It does have a balance transfer fee of 3% of each transfer or at least $10 which is comparable to other balance transfer cards on the market, but there is no other balance transfer card on the market that pays you to pay down your balance! Think of what you could do with an extra $120 off your credit card balance. I applied for this card this month and was approved for a 0% promotional APR until January 2016 on balance transfers. I couldn’t be happier with this credit card and I think you would love the Bankamericard Better Balance Rewards card too.
Dec 8, 2014
By:
The Discover IT card is the best credit card for balance transfers on the market right now. Discover offers 0% interest on all balance transfers for 18 months. It also includes 0% interest on all new purchases for 6 months as an intro rate. Discover beats most of the other good balance transfer cards by a few months - Chase offers 15 months of 0% interest with their Slate card and the Bank Americard is the same. One other thing to keep in mind with balance transfer cards is the fee charge for transfers. Discover charges a 3% fee for balance transfers on their IT card, and this is the same as the Bank Americard. With Discover you can count on good customer service and I have found their reps to always be helpful and friendly any time I have had to call. Discover is ranked as the highest in customer satisfaction by J.D. Power for this reason. Discover includes a free FICO credit score on each bill so you will also be able to see how your credit score if affected by paying down your balance. And since everyone is interested in good rewards, the Discover IT offers a varying 5% cash back category for each quarter, plus 1% on all other purchases. The Discover IT is a great card and if you need to do a balance transfer to avoid high interest rates this would be a fantastic choice.
Nov 19, 2014
By:
I transferred a balance to the Citi Diamond Preferred card a few months ago and it was one of the best decisions I've ever made. The 0% intro APR for 18 months gave me plenty of time to pay down the balance with no interest -- and I was able to make a huge dent in my debt. Also, there's no annual fee, so don't have to worry about a recurring charge. The only drawback is the card does not offer rewards, but being that I'm trying to pay down my debt, that wasn't a big deal. This card is highly recommended!
Oct 21, 2014
By:
I transferred my high balance from another credit card to the Capital One® Platinum Credit Card. On my previous card, I was paying a 19% interest rate. Knowing that I was spending a fortune in fees and wanting to get my $4000 balance paid off as quickly as possible, I transferred all of the charges, knowing there would be only a 3% transfer fee on that charge. Additionally, I can take up to 18 months to pay off this credit card without worrying about interest all of that time.
Oct 18, 2014
By:
I have used the Capital One Platinum Prestige card. You get 0% APR for balance transfers until December 2015 so you have more than a year if you get it now. There is a 3% transfer fee which is a downside but the regular APR can be as low as 10.9% which is pretty good. There is also no annual fee which is a must for credit cards nowadays.
Oct 13, 2014
By:
I transferred the balance from two smaller cards, both were store cards, to my USAA mastercard because as time went on, I kept feeling like these two smaller ones were nickel-and-diming me to death. Anyway, I transferred about $600 knowing there would be about a 3% or 4% (don't remember what it was anymore) in order to clean up my finances a little bit. I had over a year to pay this off on my USAA card, and there were no interest charges for the transfers, provided the balance was paid off in 18 months.
Jan 30, 2015
Photo of Jason A.
Do they check your credit score
Oct 12, 2014
By:
The best balance transfer credit card would have to be the Chase Slate card. They give you an intro transfer APR of 0% for 15 months. This is the longest I’ve seen for a card so far. There is also no transfer fee unlike some other cards in the market. The regular APR is a little higher but still similar to other cards.
Oct 1, 2014
By:
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 zero APR transfers! Their online banking system was very reliable and easy to use also. This is a fantastic card!
Sep 18, 2014
By:
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 account.
Sep 9, 2014
By:
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%!
Jul 21, 2014
By:
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.
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