Balance Transfer Credit Cards

A balance transfer means that people can transfer from one credit card of the balance to another with a lower rate. As its name suggests, the balance transfer credit card is a credit card used to avoid the higher interest fee for consumers to make the balance transfer. Different credit cards require different balance transfer fee which is the charge used for transferring the balance from one credit card to another. However, some balance transfer cards don’t need the transfer fees. In the long term, the balance transfer absolutely will improve your credit. Besides, it’s a good idea to transfer the credit card balance when you’ve been bothered by the card debt or you have to pay the minimum monthly amount. Scroll down to find your perfect balance transfer credit card.

BankAmericard® Credit Card

bankamericard-credit-card
on Capital One's secure website
4.9

BankAmericard® Credit Card

  • $0 Intro Balance transfer fee during first 60 days of account opening. After that, the fee for future balance transfers is 3% (min. $10).
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app
  • See additional BankAmericard® Credit Card details
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Purchases Intro APR See Terms for 15 billing cycles
Balance Transfers Intro APR See Terms for 15 billing cycles
Regular APR See Terms
Annual Fee $0
Credit Needed Good, Excellent

Discover it®

discover-it
on Capital One's secure website
4.7

Discover it®

  • You could turn $200 into $400 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate.
  • Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • See additional Discover it® details
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Purchases Intro APR 0% for 6 months
Balance Transfers Intro APR 0% for 18 months
Regular APR 11.74% - 23.74% Variable
Annual Fee $0
Credit Needed Good, Excellent

Citi Simplicity® Card

citi-simplicity-card
on Capital One's secure website
4.9

Citi Simplicity® Card

  • The only card with No Late Fees, No Penalty Rate, and No Annual Fee... ever.
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.49% - 24.49% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The same great rate for all balances, after the introductory period.
  • Save time when you call with fast, personal help, 24 hours a day - just say "representative"
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month.
  • See additional Citi Simplicity® Card details
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Purchases Intro APR 0%* for 21 months*
Balance Transfers Intro APR 0%* for 21 months*
Regular APR 14.49% - 24.49% (Variable)
Annual Fee $0*
Credit Needed Good, Excellent

Citi® Double Cash Card

citi-double-cash-card
on Capital One's secure website
4.8

Citi® Double Cash Card

  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.49% - 24.49% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*
  • See additional Citi® Double Cash Card details
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Purchases Intro APR N/A
Balance Transfers Intro APR 0% for 18 months*
Regular APR 14.49% - 24.49%* (Variable)
Annual Fee $0*
Credit Needed Good, Excellent

Barclaycard Ring™ Mastercard®

barclaycard-ring-mastercard
on Capital One's secure website
4.9

Barclaycard Ring™ Mastercard®

  • 0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.74%
  • No balance transfer fees
  • No foreign transaction fees
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Free online access to FICO® Credit Score
  • See additional Barclaycard Ring™ Mastercard® details
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Purchases Intro APR 0% for 15 months
Balance Transfers Intro APR 0% for 15 months (on balance transfers made within 45 days of account opening)
Regular APR 13.74% Variable
Annual Fee $0
Credit Needed Excellent

Citi® Diamond Preferred® Card

citi-diamond-preferred-card
on Capital One's secure website
4.9

Citi® Diamond Preferred® Card

  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.49%-23.49% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • 24/7 access to Citi® Concierge for help in booking hotels, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*
  • Free access to FICO® Scores*
  • See additional Citi® Diamond Preferred® Card details
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Purchases Intro APR 0%* for 21 months*
Balance Transfers Intro APR 0%* for 21 months*
Regular APR 13.49% - 23.49%* (Variable)
Annual Fee $0*
Credit Needed Good, Excellent

Blue Cash Everyday® Card from American Express

blue-cash-everyday-card-from-american-express
on Capital One's secure website
4.6

Blue Cash Everyday® Card from American Express

  • $100 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See additional Blue Cash Everyday® Card from American Express details
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Purchases Intro APR 0% on Purchases for 12 months
Balance Transfers Intro APR 0% on Balance Transfers for 12 months
Regular APR 13.99%-24.99% Variable
Annual Fee $0
Credit Needed Good, Excellent

Wells Fargo Platinum Visa® Card

wells-fargo-platinum-visa-card
on Capital One's secure website
4.5

Wells Fargo Platinum Visa® Card

  • 0% Intro APR for 18 months on purchases and balance transfers, then a 16.15%-25.99% variable APR; balance transfer fees apply
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa® Card
  • Free access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
  • See additional Wells Fargo Platinum Visa® Card details
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Purchases Intro APR 0% for 18 months
Balance Transfers Intro APR 0% for 18 months
Regular APR 16.15%-25.99% (Variable)
Annual Fee $0
Credit Needed Good, Excellent

JetBlue Card

jetblue-card
on Capital One's secure website
4.5

JetBlue Card

  • Earn 5,000 bonus points after you spend $1,000 on purchases in the first 90 days.
  • Earn 3 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases.
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking.
  • Points awarded in your TrueBlue account don't expire.
  • Earn and share points together with Family Pooling.
  • 50% savings on eligible inflight purchases like cocktails and food on JetBlue-operated flights
  • No foreign transaction fees
  • Chip technology & $0 Fraud Liability protection
  • See additional JetBlue Card details
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Purchases Intro APR N/A
Balance Transfers Intro APR 0% for 12 months (on balance transfers made within 45 days of account opening)
Regular APR 12.74%, 20.74% or 25.74% Variable
Annual Fee $0
Credit Needed Good, Excellent

Capital One® Quicksilver® Cash Rewards Credit Card

  • One-time $100 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 13.99%-23.99% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.99%-23.99% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • See additional Capital One® Quicksilver® Cash Rewards Credit Card details
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Purchases Intro APR 0% intro on purchases for 9 months
Balance Transfers Intro APR 0% intro on balance transfers for 9 months
Regular APR 13.99% - 23.99% (Variable)
Annual Fee $0
Credit Needed Good, Excellent

Chase Slate® Credit Card

chase-slate-credit-card
on Capital One's secure website
4.8

Chase Slate® Credit Card

  • Pay no balance transfer fee when you transfer a balance during the first 60 days your account is open.
  • 0% intro APR for 15 months on purchases and balance transfers from account opening.
  • Free monthly FICO score and credit Dashboard
  • No penalty APR - Paying late won't raise your interest rate
  • No annual fee.
  • See additional Chase Slate® Credit Card details
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Purchases Intro APR N/A
Balance Transfers Intro APR N/A
Regular APR 15.74%–24.49%
Annual Fee $0
Credit Needed Good, Excellent

Digital Federal Credit Union Visa Platinum Secured Credit Card

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Purchases Intro APR 12.50%, Variable
Balance Transfers Intro APR 0
Regular APR 12.50%, Variable
Annual Fee $0
Credit Needed Bad, Average, Good, Excellent