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Balance Transfer Credit Cards

Balance Transfer Credit Cards are one of the easiest ways to save money on your credit card balances. If you have a credit card, or a couple of credit cards with a high Interest Rate — you may wish to apply for one of the following Balance Transfer Credit Cards. Transfer you high rate balances to one of these cards offering 0% interest on Balance Transfers.

The Citi Platinum Select MasterCard and the Citi Diamond Preferred Card are both offering a 0% Introductory rate on Balance Transfers for up to 21 months. The Discover More Card is currently offering a 0% Introductory rate on Balance Transfers for up to 18 months. After the introductory period, regular interest rates will apply.

Transfer Balances to a Credit Card with No Interest for up to 21 Months

Card Name Intro Rate Balance Transfer
Intro Rate		 Regular Apr Annual Fee Editor's Rating down

Citi® Platinum Select® MasterCard®


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  • 0% Intro APR on balance transfers and purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.*
  • Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
  • Citi® Identity Theft Solutions
  • No annual fee*

    		•
    Intro APR and Period Regular APR Annual Fee Credit Needed
    0.00%*
    for 18 months on purchases*     		11.99-21.99% (Variable)* $0.00* Excellent Credit*

    Discover® More® Card - Balance Transfer Fee*


    Apply Online for This Credit Card

  • 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Discover is ranked #1 in customer loyalty--15 years in row! (2011 Brand Keys Customer Loyalty Engagement Index report)
  • 24/7 access to a U.S.-based Account Manager within 60 seconds
  • $0 Fraud Liability plus automatic mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information

    		•
    Intro APR and Period Regular APR Annual Fee Credit Needed
    0.00%*
    for 6 months on purchases*     		10.99-20.99% (Fixed)* $0.00* Excellent Credit*

    Citi® Diamond Preferred® Card


    Apply Online for This Credit Card

  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based upon your creditworthiness.*
  • 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more
  • Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass®
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*

    		•
    Intro APR and Period Regular APR Annual Fee Credit Needed
    0.00%*
    for 18 months on purchases*     		11.99-21.99% (Variable)* $0.00* Excellent Credit*

    Citi Simplicity® Card


    Apply Online for This Credit Card

  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • Peace of mind through direct access to a service representative, no late fees and no penalty rate
  • No annual fee

    		•
    Intro APR and Period Regular APR Annual Fee Credit Needed
    0.00%*
    for 18 months on purchases*     		12.99-21.99% (Variable)* $0.00* Excellent Credit*

    Visa® Black Card


    Apply Online for This Credit Card

  • Made with carbon, not just another piece of plastic; Membership is limited
  • 24-hour concierge service at your disposal
  • Unlimited VIP airport lounge visits
  • Exclusive rewards program; 1% cash back or airfare on any airline - no blackouts or restrictions
  • Accepted globally; zero liability protection against unauthorized purchases

    		•
    Intro APR and Period Regular APR Annual Fee Credit Needed
    N/A* 14.99% (Fixed)* $495.00* Excellent Credit*

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


    Apply Online for This Credit Card

  • $100 cash back after $500 in purchases within the first 3 months of account opening
  • 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment.
  • Each quarter, you can enroll to earn additional cash back in popular categories.
  • Full 1% cash back on all other purchases and eligible cash advances.
  • No annual fee*

    		•
    Intro APR and Period Regular APR Annual Fee Credit Needed
    0.00%*
    for 12 months on purchases*     		12.99-22.99% (Variable)* $0.00* Excellent Credit*

    Chase Freedom® Visa - $100 Bonus Cash Back


    Apply Online for This Credit Card

  • This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
  • Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
  • 0% Intro APR for 12 months on balance transfers and 6 months on purchases
  • 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12.
  • You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases without limits on what you can earn and up to an additional 10% Cash Back when you shop online at select merchants through Chase
  • No annual fee and rewards never expire

    		•
    Intro APR and Period Regular APR Annual Fee Credit Needed
    0.00%*
    for 6 months on purchases*     		11.99-22.99% (Fixed)* $0.00* Excellent Credit*

    Citi ThankYou® Preferred Rewards Card - $150 in Gift Cards


    Apply Online for This Credit Card

  • $150 in gift cards - When you redeem the 15,000 bonus ThankYou® Points received after $1,000 in purchases within 3 months of account opening
  • 5 ThankYou Points for every $1 spent on purchases at gas stations, supermarkets and drugstores for 12 months and 1 point for every $1 spent thereafter and for all other purchases*
  • Enjoy no limit on the number of points you can earn
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • No annual fee*

    		•
    Intro APR and Period Regular APR Annual Fee Credit Needed
    N/A* 12.99-22.99% (Variable)* $0.00* Excellent

    Citi Forward® Card


    Apply Online for This Credit Card

  • $100 in gift cards - When you redeem the 10,000 bonus ThankYou® Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months
  • 0% intro APR for 12 months on balance transfers and for 7 months on purchases. After that, 12.99% - 22.99% variable
  • 5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchases
  • APR reduction on purchases when using credit wisely
  • No Annual Fee*

    		•
    Intro APR and Period Regular APR Annual Fee Credit Needed
    0.00%*
    for 7 months on purchases*     		12.99-22.99% (Variable)* $0.00* Excellent

    Chase Freedom® Visa - $200 Bonus Cash Back


    Apply Online for This Credit Card

  • This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
  • Earn $200 Bonus Cash Back after you make $500 in purchases in your first 3 months
  • 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12.
  • You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • Up to an additional 10% Cash Back when you shop online at select merchants through Chase
  • No annual fee and rewards never expire

    		•
    Intro APR and Period Regular APR Annual Fee Credit Needed
    N/A* 15.99-22.99% (Fixed)* $0.00* Excellent Credit*

    Save Money on Credit Card Interest with 0% Balance Transfer Credit Cards

    The easiest way to save money on your credit card interest is to do a balance transfer. Statistics indicate the average consumer is paying 15% interest on their credit card balances. This means if you have a balance of $5000 you will pay $750 in interest charges over the next year.

    If you find a balance transfer credit card offering 0% interest for 12 months or more.. you can save yourself several hundred dollars by applying for the card and transferring your balance from the old card to the new card.

    When doing a balance transfer between credit cards you will normally incur a transfer fee of 3%. That means a transfer of $5000 will cost $150. If you are transferring your balance to a balance transfer credit card with 0% interest for 12 months.. even with paying this transfer fee you will still be saving $600 over the next year.

    This offers the benefit of being able to pay down your balance and reduce your debt faster with 100% your payment going toward reducing the principal each month, instead of wasting so much of your money paying interest.

    Back when the economy was booming.. you could often times find no-fee balance transfer credit card offers. However, with the economic downturn credit card companies began to limit their special offers. No fee balance transfer credit card offers have been extremely rare in recent years. They have been available only through direct offers from the credit card issuers. As of this writing.. we are not aware of any no-fee balance transfer offers being available online.

    As the economy begins to show more improvement, the credit card companies may make the decision to begin offering customers no fee balance transfers once again. Until that time.. you can still save quite a bit of money on your credit card interest by initiating a balance transfer.. even with the transfer fee. Simply compare the balance transfer offers from the above credit card issuers and take advantage of the savings!

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    * See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information.
    However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card
    terms and conditions on the issuer's website.

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