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Balance Transfer Credit Cards

Balance Transfer Credit Cards

If you are in credit card debt and have good or excellent credit, you can lower your monthly interest payments by transferring your remaining balance to one of the balance transfer credit cards listed below, which offer low introductory interest rates (sometimes as low as zero percent). This low interest period not only lowers the cost of your debt, but also allows you to apply a bigger portion of your monthly payments toward principal reduction instead of interest charges and thereby get out of credit card debt faster. When deciding between balance transfer credit card offers make sure to consider the balance transfer fee, the length of the introductory period and the regular APR, as each of these things can affect how beneficial a particular balance transfer credit card will be.

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    Capital One® Quicksilver® Cash Rewards Credit Card

    capital one quicksilver cash rewards credit card
    • 0% PURCHASES until January 2015
    • 0% TRANSFERS until January 2015 ;   Fee.....3%
    • REGULAR RATE 12.9% - 22.9% (V)
    ANNUAL FEE None
    REWARDS Cash Back
    BONUS $100
    BASE EARN 1.5%
    MAX EARN 1.5%
    • One-time $100 bonus after you spend $500 on purchases within the first 3 months.
    • Earn unlimited 1.5% cash back on every purchase, every day.
    • No rotating categories and no sign ups needed to earn cash rewards.
    • Redeem the cash back you earn for any amount, any time.
    • Your cash back doesn't expire.

     
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    4

    Chase Freedom®

    chase freedom credit card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....3%
    • REGULAR RATE 13.99% - 22.99% (V)
    ANNUAL FEE None
    REWARDS Cash Back
    BONUS $100
    BASE EARN 1%
    MAX EARN 5%
    • Earn a $100 Bonus after you make $500 in purchases in your first 3 months from account opening.
    • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period.
    • 5% Cash Back on up to $1,500 in combined purchases between April 1 and June 30, 2014 at restaurants and Lowe's® home improvement stores.
    • You'll enjoy new 5% categories every 3 months like gas stations, restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
    • Unlimited 1% Cash Back on all other purchases.
    • No annual fee and rewards never expire.

     
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    Capital One® Platinum Prestige Credit Card

    capital one platinum prestige credit card
    • 0% PURCHASES until July 2015
    • 0% TRANSFERS until July 2015 ;   Fee.....3%
    • REGULAR RATE 10.9% - 18.9% (V)
    ANNUAL FEE None
    REWARDS None
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    3.5

    Chase Slate®

    slate credit card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....None
    • REGULAR RATE 12.99% - 22.99% (V)
    ANNUAL FEE $0
    REWARDS None
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    4.5

    Blue Cash Preferred® from American Express

    Blue Cash Credit Card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....3%
    • REGULAR RATE 12.99%-21.99% (V)
    ANNUAL FEE $75
    REWARDS Cash Back
    BONUS $100
    BASE EARN 1%
    MAX EARN 6%
    • Get 100 Reward Dollars, redeemable for a $100 statement credit, after you make $1,000 in purchases with your new Card in the first three months.
    • Plus, get one year of Amazon Prime after you sign up for a new membership with your Card and meet the spending requirement in the same time period.
    • As an Amazon Prime member, you get unlimited FREE Two-Day Shipping on millions of items.
    • Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% other purchases. Terms and limitations apply.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

     
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    Blue Cash Everyday® Card from American Express

    american express blue cash credit card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....3%
    • REGULAR RATE 12.99%-21.99%
    ANNUAL FEE $0
    REWARDS Cash Back
    BONUS $50
    BASE EARN 1%
    MAX EARN 3%
    • Get 50 Reward Dollars, redeemable for a $50 statement credit, after you make $1,000 in purchases with your new Card in the first three months.
    • Plus, get one year of Amazon Prime after you sign up for a new membership with your Card and meet the spending requirement in the same time period.
    • As an Amazon Prime member, you get unlimited FREE Two-Day Shipping on millions of items.
    • Earn Cash Back: 3% at US supermarkets, up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

     
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    4.5

    Citi® Dividend Platinum Select® Visa® Card

    citi dividend platinum credit card
    • 0% PURCHASES 12 months
    • 0% TRANSFERS 12 months ;   Fee.....3% (min $5)
    • REGULAR RATE 12.99% - 22.99% (V)
    ANNUAL FEE $0*
    REWARDS Cash Back
    BONUS $100
    BASE EARN 1%
    MAX EARN 5%
    • Earn $100 cash back after $500 in purchases within the first 3 months of account opening.
    • Earn 5% cash back every quarter in must-have categories. Right now, on purchases at The Home Depot®, home furnishing and home and garden stores from 4/1/14 through 6/30/14.
    • Enrollment each quarter is quick and easy.
    • Earn 1% cash back on all other purchases.
    • The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer. See Citi Dividend Card Reward Program Information.

     
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    2.5

    Citi ThankYou® Preferred Card – Low Intro APRs

    thank you credit card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....3% (min $5)
    • REGULAR RATE 12.99% - 22.99% (V)
    ANNUAL FEE $0*
    REWARDS Points
    BONUS None
    BASE EARN 1 point / $1
    MAX EARN 2 points / $1
    • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment.
    • 1 ThankYou Point on other purchases.
    • Points do not expire and earn unlimited Thank You Points.
    • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more.

     
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    4

    Blue Sky from American Express®

    blue sky credit card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....3%
    • REGULAR RATE 17.24% - 22.24% (V)
    ANNUAL FEE $0
    REWARDS Points
    BASE EARN 1 point / $1
    MAX EARN 1 point / $1
    • Welcome Bonus: Earn 7,500 Bonus Points after you use your new Card to make $1,000 in purchases within the first 3 months.
    • Flexible Ways to Earn: earn 1 point for virtually every dollar you spend on eligible purchases.
    • Unlimited Travel Options: Every 7,500 points that you earn can be redeemed for a $100 statement credit toward any airline ticket, any hotel stay, car rental or cruise.

     
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    4.5

    Citi Simplicity® Card

    citi simplicity credit card
    • 0% PURCHASES 18 months
    • 0% TRANSFERS 18 months ;   Fee.....3% (min $5)
    • REGULAR RATE 12.99% - 21.99% (V)
    ANNUAL FEE $0*
    REWARDS None
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    We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information. Certain offers originate from paying advertisers, and this will be noted on a card’s details page, when applicable.

    Before you apply for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences.


    Ask our Experts
    EXPERT’S ANSWERS

    What is a balance transfer, and how can I go about doing one?

    By: Odysseas Papadimitriou A balance transfer, at its core, is a means of lowering the cost of your debt. In theory, you can transfer the remaining balance on any loan or line of credit to a balance transfer credit card and thereby pay it down while incurring interest at a lower rate. While you can transfer balances to most credit cards, certain cards are branded as being “balance transfer credit cards” because of their low balance transfer rates or lack of balance transfer fees.

    There are essentially two ways in which you can approach a credit card balance transfer. First, you can transfer your debt to a credit card you already have but do not revolve a monthly balance on. Alternatively, you can open a new credit card with the express intent of transferring a balance to it. There are advantages and disadvantages to both courses of action. By transferring your debt to a currently held credit card, the process will be quicker, but you probably won’t get the best balance transfer deal. If you open a new card you’ll be able to compare balance transfer credit card offers from a lot of different issuers but will have to wait for your application to be processed.

    While you’re nailing down the logistics of your credit card balance transfer, it’s worth it to call the credit card company to which you are indebted and say that you plan on doing a balance transfer, unless you are given a significant interest rate reduction. Your rate won’t be reduced to 0%, but even a slight APR reduction will help you save during the time it takes for your 0% transfer to be approved and processed.

    What kind of balances can I transfer to a credit card?

    By: Odysseas Papadimitriou Issuers used to be pretty liberal about this, allowing consumers to transfer balances from credit cards, store cards and even certain types of loans. Over the years, however, more and more credit card companies have started only approving balances transferred from Visa, MasterCard, American Express and Discover credit cards. This makes things simpler from an operational standpoint and allows issuers to limit risk, since they have a good sense of the source of the balance being transferred.

    Does it matter which credit card company issues my balance transfer card or which card network it’s on?

    By: Odysseas Papadimitriou In short, not really. The credit card company you get your balance transfer credit card from only matters if there is a particular issuer that allows you to earn rewards on the amount you transfer or transfer debt other than that which originates from a credit card. Some people might also bring up differences in customer service at this point, but besides submitting your application and making monthly payments, you’re not going to have much to do with your credit card company. Better terms would therefore trump better customer service in most cases. When it comes to your balance transfer card’s network (i.e. Visa, MasterCard, Discover or American Express), there’s absolutely no difference from one to the next. Your card’s network simply dictates the number of merchants locations at which you can make purchases, and you should never make purchases with a balance transfer credit card, given that your revolving transferred balance removes your grace period for payments, and interest begins accruing on your charges as soon as you make them.

    How long does a balance transfer take?

    By: Odysseas Papadimitriou While each issuer has its own policy, balance transfers usually take around 15-25 days from the time you submit a balance transfer credit card application. In the meantime, it is very important that you continue to make payments toward the balance being transferred and that you send these payments to your original creditor. Once the credit card transfer is finalized, you will see a credit listed on your original account (as if a payment was made) and a debit indicated on your balance transfer credit card account. Remember that as soon as your balance gets transferred, interest will begin accumulating, unless you have a 0% transfer card.

    What are the most important balance transfer credit card features to consider?

    By: John Kiernan How worthwhile a particular balance transfer card will be depends on four factors: the balance transfer fee, the introductory transfer APR, the length of the introductory period, and the regular interest rate that will apply once the intro terms expire. Before comparing balance transfer credit card offers, we recommend using a credit card payoff calculator to determine approximately how long it will take you to pay off your balance. If you determine that you will be able to become debt free within the zero percent balance transfer introductory periods commonly being offered, then all you have to focus on is the balance transfer fee. The regular interest rate will be inconsequential.

    If, on the other hand, that isn’t possible, the regular rate comes into play and the card with the longest introductory period isn’t necessarily the best balance transfer credit card for you. Instead, you should use a credit card debt calculator to figure out which offer allows you to minimize the combined cost of the balance transfer fee, interest incurred during both the intro period (if it isn’t a 0 percent transfer card) and after the regular rate kick in. It’s important that you not disregard a balance transfer credit card’s regular APR, thinking that even if a balance remains at the conclusion of the intro period, you can simply transfer it to another balance transfer card. Many consumers made this mistake in the lead-up to the Great Recession and incurred costly interest charges when the balance transfer credit card market dried up. Low interest balance transfer credit cards aren’t always available, after all, and while you could be lucky, you shouldn’t count on it.

    Is there such thing as a free balance transfer?

    By: John Kiernan Not anymore. Free balance transfer credit cards (i.e. cards with 0% balance transfer APRs and no balance transfer fees) were once offered because credit card companies were allowed to revoke the 0% APR and institute an interest rate above 20% after a customer missed a payment by even a single day or went over limit by a few dollars. Banks could therefore afford to offer free balance transfers because the revenues gained from the many consumers who slipped up far outweighed the losses incurred as a result of those people who somehow managed flawless use. Now, with the passage of laws preventing "gotcha" practices, banks tend to offer either no balance transfer fee credit cards or 0% balance transfers, but not both. And if you somehow do manage to find a 0 APR no balance transfer fee offer, the 0% intro term isn’t likely to be competitive.

    When are 0% balance transfer offers available?

    By: Odysseas Papadimitriou The existence of zero interest balance transfer cards depends both on the economy and the timing of your request. In times of fiscal well-being, 0 balance transfer credit cards are typically prevalent because credit card companies can afford to offer such attractive terms in order to lure new customers. On the other hand, during tough times, such offers may be few and far between. For example, during the worst of the Great Recession, it was nearly impossible to find 0% balance transfer credit cards, as most issuers did not want to add indebted customers to their portfolios.

    Additionally, in order to get the advertised introductory rates, credit card companies require that you apply for a balance transfer either at the same time you submit a credit card application or within 30-60 days of doing so. We therefore recommend that you have the amount you want transferred as well as the respective account number handy when you fill out an application for a new balance transfer credit card.

    Should I use a balance transfer credit card to make purchases?

    By: John Kiernan The answer to this question is simple: You can make purchases with a balance transfer credit card for as long as it has a 0% interest rate on purchases. If your card does not offer 0% on purchases or this introductory rate has ended, making purchases with it could end up being very expensive. You see, whenever you carry debt on a credit card, there is no grace period for new charges, which means finance charges start getting assessed as soon as you swipe your card. Obviously, a 0% purchase interest rate would protect you from this, but remember that any purchases made with your balance transfer card that are not paid off in full by the time the 0% intro rate ends will begin accruing interest at that time.
    COMMUNITY DISCUSSION

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

     
    April 1, 2014
    Photo of Scott D.
    By: Scott Daly
    I have been offered several transfer offers in recent months by my Citi card through Sears. I recently used it to transfer a chunk of balance off another card in order to save money. Depending on the fee attached to the transfer and your transfer interest rate, a balance transfer can be used to save yourself a decent amount of money. In my case, the transfer fee was around $28 while it will save me over $70 in interest.
    February 24, 2014
    Photo of Clay H.
    By: Clay Hamilton
    The last time I did a balance transfer it was to my Chase Freedom card. It allowed me to transfer the balance from another major credit card and a store card at the same time. The payment to the Chase card was substantially less than the other two cards combined, as I took advantage of the 15 months of interest-free payments to pay the balance off... it was basically free money.
    February 25, 2014
    Photo of Erika Shira
    Erika Shira
    Yes, these cards are a great deal for people who understand the math behind them and know to read the fine print. Most of them with the interest-free period then have a standard interest rate of something ridiculous like 19.99% once the promotional period is over. Banks of course are counting on people not understanding or reading.
    March 31, 2014
    Photo of Noƭìcę Blocĸìng
    Noƭìcę Blocĸìng
    @Erika Shira: hi i can help
    February 15, 2014
    Photo of Charles M.
    By: Charles McCoy
    I've used the Chase Freedom card for this purpose. It's extremely nice because it allows me to transfer all balances I've accumulated from various stores to a single card, in order to make my monthly payments a much simpler ordeal. This has also helped in decreasing the percentages on APR that I pay, allowing me to keep more of my money for myself. I would highly recommend this card.
    January 28, 2014
    Photo of Shaz R.
    By: Shaz Ron
    I have the Citi ThankYou Preferred Card and I transfer all the balances of my other credit cards to this card, because this has the lowest APR of all my credit cards and it has a relatively long balance transfer period, which is what I look for in a balance transfer credit card. Another great point is that I get Thank You points using this credit card which I can use to redeem for cash rewards and I can also link this credit card to my Amazon.com account and use the Thank You points towards my purchases on Amazon.com.
    January 19, 2014
    Photo of Richard A.
    By: Richard Ascot
    The Chase Freedom card is really convenient for me. I like to transfer all my store specific credit card balances over to one card to make my payments easier while lowering my APR and gaining more rewards. The zero dollar annual fee is important and I even got 100 dollars just to open the account. Overall great card.
    February 24, 2014
    Photo of Marc Lin
    Marc Lin
    I have used my Freedom card a couple of times for balance transfers. One thing I found out is to pay close attention to the transfer fee and time limits. Chase seems to have two "basic" rates for this. One is 2% the other is 3%. On rare occasions I have been offered 1% near Christmas time. I then compare the offers to what my bank has. If the term at Chase is less than 12 months it is generally not worth the effort and expense to me of making the transfer! Do the math.
    January 10, 2014
    Photo of Elias J.
    By: Elias Johnson
    I was looking to transfer some smaller balances from my other credit cards and decided to go with the Citi ThankYou Preferred Card. The low intro annual percentage rates were what caught my eye the most. I found that the process was more complicated than I expected it to be. there were a few hidden fees that I ended up having to pay. For this reason I would recommend that everyone transferring a balance reads the fine print on the process. But the low APR was something I was looking for in the card.
    January 2, 2014
    Photo of Doug M.
    By: Doug MyVegas
    When I was younger, I got a couple of credit cards and was excited they even gave them to me. I didn’t know or understand interest rates so I didn’t know right away that I was getting a very bad deal. I learned a lot when I saw how little of my payments was actually going towards the balance. Once I saw this, I started shopping around to move these balances to a better card. I found one that had a 24 month intro rate for balance transfers and it also had no balance transfer fee. I was excited because it allowed me to more quickly fix the mistake I made before. I then used the card as my primary card for a long time while still paying down the transfer, it allowed me to pay it off before the end of the promo rate and I saved hundreds of dollars at least. I think more cards should offer low APR balance transfers with little or no fee.
    December 11, 2013
    Photo of Kyle S.
    By: Kyle Storm
    A few years ago my account was in the hole and if I didn't do something soon, I was in trouble. I wouldn't be paid until the end of the week. I realized I could use my Blue Sky card and stop the metaphorical bleeding, and used an advance from the card to do just that. The money was in there the next day and it saved my neck
    December 3, 2013
    Photo of Jason B.
    By: Jason Budley
    The Capital One Quicksilver Cash Rewards is a great option for anyone looking to do a balance transfer. Giving so much time with 0% APR is practically too good to be true, but not only does it deliver on this but an all-around great credit card that will likely become your favorite choice.
    November 27, 2013
    Photo of John D.
    By: John Dancear
    The Citi Simplicity Card is the best balance transfer card out. For the first 18 months there is a 0% APR on any balance transfers or purchases. That is awesome!!!! After that the APR is based of your credit score. I saved so much money by doing a balance transfer as soon as I got the card and paying it off in 7 months. I did not have to pay any extra interest that I was going to have to pay if I left the balance on my other card. There are also no late fees or annual fees. This card is a 5 star all the way around!
    February 18, 2014
    Photo of Dion Phaneuf
    Dion Phaneuf
    Yeah the 0% for 18 months is really nice. I haven't tried this card as I've never used a balance transfer card yet, but I've been looking into getting one and I think I'll try it out. Thanks for the review!
    November 21, 2013
    Photo of Scott B.
    By: Scott Bogle
    The Citi Dividend card is definitely a great option for balance transfers. Not only is there no annual fee, but they give you a $100 initial bonus cash back. But the most important thing to me was the fact that there was no interest on transfers for the first twelve months. This allowed me to transfer my whole balance from a higher rate card that was accruing interest to the Citi Dividend Platinum Select. By doing this, I was able to cut way down on my credit card debt by paying only the principal, not interest. Highly recommended!
    November 22, 2013
    Photo of Joe Weider
    Joe Weider
    One of my favorites is the Blue Cash Everyday Card from AMEX. No annual fee on this one, 3 months higher balance transfer period and a similar APR. The intro bonus is lower than the Citi Dividend: you get $50. But you also get an Amazon Prime membership for one year that is quite enticing.
    November 20, 2013
    Photo of Cody D.
    By: Cody DeLong
    I signed up for the Citi Dividend Platinum Select card last year when I needed to transfer a balance I had on another card. I needed to take advantage of the 0% APR on transfers for twelve months. I'm so happy that I signed up for the card because it allowed me to pay off my other card and the balance was paid off within eight months due to no interest charges. I now use the card for my gift purchases since it has great cash back on a lot of the stores I go to shop.
    November 16, 2013
    Photo of Allen M.
    By: Allen Marshall
    When you are transferring a balance its always important to look at what gives you the most months of no interest to pay off that balance and what has the smallest balance fees. But something you should not forget about it is finding one with a low APR in case you are not able to pay off the balance in the introductory period. Capital One Platinum Prestige Credit Card has the best combination for these three things. It offered me a credit card with a high limit so that I could transfer a decent-sized debt at a fee rate of 3%, it gave me 15 months to pay it off, and the APR was low compared to other balance transfer cards. It’s the best overall of all the features and if you’re looking to consolidate your debt into one card this is a good one to look into.
    November 16, 2013
    Photo of Jester O C.
    By: Jester O Court
    Very often new and appealing alternatives become available on the market in the credit card industry. Changes in policies by credit card companies can make a prudent transfer of existing credit card balances both sensible and financially frugal. Setting up an account with the relatively new Discover It card is one of the more appealing options available. Discover first of all has no annual fee, and no over the limit charge (a rare component of a credit card in its own right). There are excellent cash back rewards for purchases, not to mention a personal 1 on 1 available option to discuss the program and help the cardholder generate the most rewards based on how the card is used. Transferring existing balances though, is the real perk to this credit card. The Discover It card not only will extend 0% interest on new purchases over half the first year, but all transferred balances will receive the same 0% interest rate for a total of a year and half. 18 months with no additional interest on transferred balances. Outstanding. Although there is a minimal 3% fee applied to each balance, with the extend period of no additional interest charges, plus a regular rate after 18 months that could fall as low as 10.99% depending on the user’s credit history, the Discover It card still has the most impressive list of attractive balance transfer features.
    November 15, 2013
    Photo of Billy M.
    By: Billy Maney
    I love my Kroger 1-2-3 Rewards Visa Credit Card.I have had this card for a good while and not only is it a good card for making transfers but it is good for earning points and rewards as well.This is one of the best credit cards you can get and it does not have an annual fee for you to have to worry about paying.
    November 4, 2013
    Photo of Kyle C.
    By: Kyle Curry
    I think that the Citi Simplicity Card is the best card on the market for those who are looking for a balance transfer. I have a credit card that I got when I was younger that I regret every time the statement comes in. Most of the cards I have seen on the market are only 12 months, but this one goes for 18 months without interest. After that the rates are actually not that bad, starting as low as 12%
    October 29, 2013
    Photo of Elizabeth M.
    By: Elizabeth Madore
    My Capital One Venture card has been great for balance transfers. They almost always have deals that allow you to pay no fees and the same interest rate as purchases for balance transfers. Also, the interest rate on The Venture card is very reasonable based on credit rating. I would definitely recommend this card to anyone that needs to transfer balances from higher interest rate cards.
    October 22, 2013
    Photo of Constantina H.
    By: Constantina Hauser
    Capital One Platinum Prestige Credit Card is pretty good for balance transfers. Currently this card offers 0% rate on balance transfers. We actually have 2 of these cards in our household under different accounts. My credit limit is pretty high for this account, so what I usually do is to transfer the balances from all my other cards to this and then pay the whole balance off the following month. I have been a happy Capital One customer for the past 3 years and I am also quite happy with their customer service.
    October 19, 2013
    Photo of Amy F.
    By: Amy Fisher
    The Citi Simplicity Card is the best balance transfer card out right now. You get a 0% introductory APR on balance transfers for 18 months. What makes this card even better is that there's no late fees. On top of that, if you do make your payment late, your APR doesn't skyrocket.
    October 3, 2013
    Photo of Jesse S.
    By: Jesse Sarver
    I am one of those people that is trying to pay down their debt. I have a lot of credit card debt. So, I am putting them all on one card. The key points for this is a card with low transfer fees and no APR for at least the first 12 months. The Chase Freedom credit card is perfect for me. It has a transfer fee of 3% which is pretty low and the APR is 0% for 15 months. Which will also help me succeed in my goal. It's a good card, even though I had to work on my credit to even get it. It was worth it though. Love this card with the low balance transfer fee.
    October 3, 2013
    Photo of Tim B.
    By: Tim Bull
    I have to say the best card for me when transferring a balance was the Citi simplicity card. It had a great deal on how long the 0% transfer rate was. It's also an all around great card to have as a backup. I had eighteen months on the initial transfer at 0% and the annual percentage rate afterwards was much lower than the card I originally transferred from. I would have to say I am very satisfied with the Citi Simplicity card.
    September 22, 2013
    Photo of Janice K.
    By: Janice Krone
    The Blue Cash Preferred credit card from American Express is a fantastic card. You can earn up to 6% cash back on your supermarket purchases, up to $6000, and also 3% back on gas. I do a lot of driving for work, and the 3% cash back on gas easily pays for the $75 annual fee, and then some. There has been a few times where American Express hasn't been accepted, so I wouldn't recommend it being your only card, but when possible I try to use it as my main method of payment because of the excellent rewards.
    September 20, 2013
    Photo of Meagan J.
    By: Meagan Johndro Janowski
    I chose the Citi ThankYou card for a 0% balance transfer over 12 months. I liked the idea of consolidating everything into one payment and also not having to pay interest. One of the other perks when initially signing up for the card was a promotion they were running that allowed me to get $75.00 in gift cards for charging a certain amount within the first couple months. I just made regular purchases on the card, paid off the balance in full within that same month, got the gift cards and then did my balance transfers. Their website is also user friendly and easy to use for making payments and balance transfers.
    September 6, 2013
    Photo of Ileddy T.
    By: Ileddy Torres
    Capital One quicksilver was my credit card of choice when I was looking to transfer my balance from some crappy credit cards with high interests and fees. So far it was a great decision, with 0% interest and rewards I can't complain. This card is great and their customer service was amazing when I called and asked a ton of questions. They were very patient and explained everything. I am a capital one fan and they offer many cards for every type of situation. I would recommend this card and I am very happy with it.
    September 6, 2013
    Photo of David C.
    By: David Chau
    I went with the Citi Simplicity card as it had the longest 0% rates on purchases and transfers. I was paying a ton on interests on one of my cards, and to have 18 months to pay it off was a blessing to help ease the burden of my bills and fees. It also gave me a much lower interest rate compared to my old card, so overall I'm very pleased with it.
    August 31, 2013
    Photo of Taylor S.
    By: Taylor Steeves
    The capital one quiksilver cash rewards card is by far the best balance transfer credit card right now. It has a 0% interest on all purchases and transfers for the first year, and has a bonus 100 dollar reward, as well as 1.5% towards rewards points. I love being able to transfer to the card and not paying interest for over 12 months, as well as having the low regular rate as well, so that when you do pay interest, its not as high as compared cards.
    July 18, 2013
    Photo of Ashley B.
    By: Ashley Ballard
    I got my Citi Diamond Preferred Card a little over a year ago and could not be happier with it. I was enticed by the fact that it has no annual fee, but I also really wanted to get it because it has an awesome 0% interest offer on balance transfers for a whole 18 months. Being able to transfer my balances to this account and have no interest was amazing for my bank account, saved me a lot of money. There is a 3% fee, but that still is cheaper than paying interest on your balance each month. The 0% interest offer is also 18 months on purchases as well. This is the best credit card I have.
    July 8, 2013
    Photo of Delilah P.
    By: Delilah L. Poltorak
    I got my Citi Diamond Preferred Card last month. It has zero introductory on balance for 18 months. I has been paying %11.99 on my other credit card. By transfer to this card, I can save $50 per month. I am glad that I found it. It is hard to find a card that has zero percent on balance transfer for 18 months nowadays. I called customer service a few times. They were very helpful and willing to help you anytime. I would love to recommend to anyone who wants to get this card.
    June 3, 2013
    Photo of Ann U.
    By: Ann Ueda
    I have a Discover IT card. I selected it because they had a balance transfer offer. I was able to move $12,000 worth of credit card debit from another card to the Discover IT card. As part of the offer, Capital One did not charge me any interest rate for the first 6 months. The 6 months gave me the time I needed to pay off that balance without paying more interest. The balance transfer fee was 3%. I continue to use the Discover IT card, because they have a cash back reward program. Unfortunately, it doesn't apply to balance transfers but the money I saved on interest is good enough for me. Customer service is always helpful and I always get to talk to someone based in the United States.
    June 6, 2013
    Photo of Jeanette Gandionco Lazam
    Jeanette Gandionco Lazam
    Good info Ann, now we need to pass it along!
    March 3, 2014
    Photo of Sallie Papp
    Sallie Papp
    I would always choose a Discover product because of their excellent options and helpful Customer Service agents who will take the time to explain which option is best for your particular situation! The Discover It card rolls all the benefits of its excellent reputation into an amazing 18 month 0% balance transfer option, in addition to all the very well documented advantages listed above. Excellent company.
    June 3, 2013
    Photo of Will C.
    By: Will Crowley
    I had 2 credit cards, a Discover Card, and a Wells Fargo Visa, both had balances above 1,000. Unfortunately both also had a rate of 19% So I was paying to much for both cards. I mainly used these cards for emergencies, mainly car repairs and things like that. I then received an offer from CITI for one of their thank you cards with a 0% interest on all transfers for 15 months. Needless to say I jumped on that offer. I was able to pay off that card within the 15th months because of the no interest, and saved myself some money in the long run. I've since canceled the other 2 cards, and kept the CITI card, since they offered after the 15 months a 15% regular rate.
    May 24, 2013
    Photo of Miranda L.
    By: Miranda Lye
    I initially chose my Citi Simplicity card because I wanted to transfer balances from a higher interest rate card. The terms were longer than normal, and the transfer fee was reasonable. I stayed with Citi Simplicity because I received an offer from them to transfer my balances and have them have the same low rate until the balance was paid off. I also received offers here and there to transfer any other balances I may have, and I have the option to just have money deposited into my bank account if I chose to go that way. Really easy to do business with. My questions are always answered promptly, as well.
    May 24, 2013
    Photo of Diana F.
    By: Diana Ferrara
    I have a Bank America Visa card that I used initially to transfer balances to. They have a long intro period for both balance transfers and purchases, and that was the main reason I chose it. The regular APR is also really low (mine is at 4.25%), and I've never had any issues with their customer service.