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Excellent Credit Balance Transfer Credit Cards

excellent credit balance transfer credit cards

Narrow Your Search for a Balance Transfer Credit Card for Excellent Credit

One of the many perks that come with having consistently demonstrated responsible credit use for a prolonged period of time is the ability to qualify for one of the excellent credit balance transfer credit cards listed below. Not only do these cards come with the lowest introductory rates available in the balance transfer credit card genre, but they also offer them for the longest period of time and have balance transfer fees that are among the lowest on the market. By transferring a balance from another credit card or loan to one of these excellent credit balance transfer credit cards, you can significantly lower the cost of existing debt by effectively doing away with interest. But exactly how much can you save? In comparing the offers below, we suggest using a balance transfer fee calculator as well as a credit card payoff calculator to determine just that. As you may know, transferring a balance will only benefit you if the combined cost of the balance transfer fee and your interest payments is less than the interest you would have paid under the terms of your original credit card or loan.

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    2.5

    Barclays Rewards Credit Card - Excellent Credit

    barclays rewards credit card
    Rates:
    • 0% on Purchases 12 months
    • 0% on Transfers 12 months ;   Fee.....3%
    • Regular Rate 14.99% - 24.99% (V)
    Annual Fee None
    Rewards Points
    Initial Bonus 5,000 points
    Base Earn 1 point/$1
    Max Earn 2 points/$1
    • Earn 5,000 Bonus points after your first purchase - enough for $50 cash back.
    • Earn 2 points per $1 on gas, grocery and utility purchases.
    • Earn 1 point per $1 everywhere else
    • Redeem for flights, shopping, dining and more.
    • Use your points like cash to pay for any purchase you've made.

     
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    4.5

    Discover it® - 0% for 14 months on both Purchases & Transfers

    discover it
    Rates:
    • 0% on Purchases 14 months
    • 0% on Transfers 14 months ;   Fee.....3%
    • Regular Rate 10.99% - 22.99% (V)
    Annual Fee $0
    Rewards Cash Back
    Initial Bonus None
    Base Earn 1%
    Max Earn 5%
    • Game Changer. Brand new, Discover it® is out to change the way you think about credit cards.
    • Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. Enjoy more quarterly 5% programs in categories like gas, online shopping and more throughout the year up to the quarterly cap when you sign up for each program.
    • And get unlimited 1% cash back on all other purchases* at over 8 million merchants nationwide (Nielsen Report, Feb 2013).

     
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    4.5

    Dollar Bank Valued Customer Visa® Credit Card

    dollar bank valued customer visa credit card
    Rates:
    • 0% on Purchases 6 months
    • 0% on Transfers 6 months ;   Fee.....1%
    • Regular Rate 12.24% (V)
    Annual Fee None
    Rewards Cash Back
    Initial Bonus None
    Base Earn 1.25%
    Max Earn 1.25%
    • Earn a 1.25% cash back rebate on card purchases.

     
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    4

    Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back

    0 Credit Card from VISA Citibank
    Rates:
    • 0% on Purchases 12 months
    • 0% on Transfers 12 months ;   Fee.....3% (min $5)
    • Regular Rate 12.99% - 22.99% (V)
    Annual Fee $0*
    Rewards Cash Back
    Initial Bonus $100
    Base Earn 1%
    Max Earn 5%
    • $100 cash back after $500 in purchases within the first 3 months of account opening.
    • Earn 5% cash back from Citi at Home Depot, Home furnishing stores and home and garden stores between 4/1/13 and 6/30/13, with enrollment.
    • Enroll at no additional cost each quarter for new categories that earn additional cash back.
    • Full 1% cash back on all other purchases and eligible cash advances.

     
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    4

    Citi® Diamond Preferred® Card

    Credit Card of Citi Preferred
    Rates:
    • 0% on Purchases 18 months
    • 0% on Transfers 18 months ;   Fee.....3% (min $5)
    • Regular Rate 11.99% - 21.99% (V)
    Annual Fee $0*
    Rewards None
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    3.5

    US Bank FlexPerksSM Travel Rewards Visa Signature® Credit Card – 17,500 Bonus FlexPoints

    flexperks credit card
    Rates:
    • 0% on Purchases 12 months
    • 0% on Transfers 12 months ;   Fee.....3%
    • Regular Rate 13.99% - 23.99% (V)
    Annual Fee None 1st yr, $49 after
    Rewards Points
    Initial Bonus 17,500 points
    Base Earn 1 point / $1
    Max Earn 2 points / $1
    • Get 17,500 bonus FlexPoints after the first $2,500 in net purchases in the first 150 days.
    • Earn one FlexPoint for every $1 of eligible net purchases charged to your card.
    • Earn two FlexPoints for every $1 spent on gas, grocery or airline purchases – whichever you spend most on each monthly billing cycle – and on most cell phone expenses.
    • Earn Triple FlexPoints for your charitable donations.
    • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or redemption fees.
    • Receive an airline allowance of up to $25 with every award travel ticket to use toward baggage fees, in-flight food or drinks and more.
    • Earn 3,500 bonus FlexPoints each year when you spend $24,000 in Net Purchases. You can redeem these FlexPoints for your annual fee or combine them with other FlexPoints for travel or many other rewards.
    • Earn 5,000 FlexPoints when you refer a friend who acquires and uses the card.

     
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    3

    PNC Bank Points Visa® Credit Card

    pnc bank points visa credit card
    Rates:
    • 0% on Purchases 12 months
    • 0% on Transfers 12 months ;   Fee.....3%
    • Regular Rate 11.99% - 21.99% (V)
    Annual Fee None
    Rewards Points
    Initial Bonus None
    Base Earn 4 points / $1
    Max Earn 4 points / $1
    • Earn 4 points for every $1 in qualifying purchases.
    • Redeem points for cash rewards, merchandise, gift cards, travel and more.
    • Boost your earning potential with a qualifying checking account.

     
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    4.5

    BankAmericard® Visa® Card

    Credit Card Application for Bank Americard
    Rates:
    • 0% on Purchases 15 months
    • 0% on Transfers 15 months ;   Fee.....3%
    • Regular Rate 10.99% - 20.99% (V)
    Annual Fee None
    Rewards None
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    4.5

    Discover it® - 0% for 18 Months on Balance Transfers

    discover it
    Rates:
    • 0% on Purchases 6 months
    • 0% on Transfers 18 months ;   Fee.....3%
    • Regular Rate 10.99% - 22.99% (V)
    Annual Fee $0
    Rewards Cash Back
    Initial Bonus None
    Base Earn 1%
    Max Earn 5%
    • Game Changer. Brand new, Discover it® is out to change the way you think about credit cards.
    • Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. Enjoy more quarterly 5% programs in categories like gas, online shopping and more throughout the year up to the quarterly cap when you sign up for each program.
    • And get unlimited 1% cash back on all other purchases* at over 8 million merchants nationwide (Nielsen Report, Feb 2013).

     
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    3.5

    Slate® From Chase

    Chase Visa Credit Card Application
    Rates:
    • 0% on Purchases 15 months
    • 0% on Transfers 15 months ;   Fee.....None
    • Regular Rate 11.99% - 21.99% (V)
    Annual Fee None
    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 related to the Excellent Credit Balance Transfer Credit Cards shown on this page.

    User's top rated card in this category: 4.7 / 5 - 126 votes 4.7