Balance Transfer Credit Card Offers
Why even transfer your balance?
People are discovering how they can lose their low rates if they fall behind on a payment on their credit card accounts. For having too many accounts or for overcharging any of their cards, customers can have their credit ratings lowered. Since lenders regularly scan their clients' credit reports, re-evaluating their customers credit worthiness, a simple late payment (even by one day) could cause to flag an account. By transferring your balance to a 0% Balance Transfer Credit Card, you are not only consolidating your several accounts into one, but you also choose a better rate than your old one(s).
Balance transfer Approach:
"Creditors are looking for late payments, collection accounts, too much available credit or a high credit utilization--maxing out cards--as a basis to raise interest rates," said CardWeb President Robert McKinley. When applying for a new balance transfer credit card, you can find out if an issuer thinks your business is worth to give you a lower rate. With 0% APR on certain balance transfers, you have a good chance to come out ahead. Attempt to consolidate your credit card balances to only a few cards. With too many accounts open, you're destined to lose track of due dates, rate changes and other important details.
Please browse through our best balance transfer credit cards right below, or specify a different priority by clicking on a submenu of our navigation bar on the left.
Low variable rates, plus 1% cash back!
APR for Balance Transfers: 0.00% (for 6 Billing Periods)
Ongoing APR: As low as Prime + 4.00% (Currently 7.25%)
Balance Transfer Fee: None
Late Fee: $15-$35
Overlimit Fee: $35.00
Returned Check Fee: $29.00
Grace Period: 25 Days
Annual Fee: None
- 1% cash back on everything you buy from day one.
- No limit on cash back; no expiration for the life of your account
- No minimum to redeem for cash
- No annual membership fee
Download the Terms & Conditions here.
The Platinum Card with the SCORECARD® Bonus Point Program.
APR for Balance Transfers: 0.00% (for 6 Billing Periods)
Ongoing APR: As low as Prime + 4.00% (Currently 7.25%)
Balance Transfer Fee: None
Late Fee: $15-$35
Overlimit Fee: $35.00
Returned Check Fee: $29.00
Grace Period: 25 Days
Annual Fee: None
- No annual fee
- 0% Introductory APR on balance transfers for your first 6 billing cycles
- Earn 1 bonus point for every $1 in net retail purchases and redeem your points for hotel rooms, gourmet dinners, travel, and more
Download the Terms & Conditions here.
Variable rates as low as 8.00%!
APR for Balance Transfers: 0.00% (for 6 Billing Periods)
Ongoing APR: As low as Prime + 3.00% (Currently 6.25%)
Balance Transfer Fee: None
Late Fee: $15-$35
Overlimit Fee: $35.00
Returned Check Fee: $29.00
Grace Period: 25 Days
Annual Fee: None
- No annual membership fee
- 0% Introductory APR on balance transfers for your first 6 billing cycles*
- 25 Day grace period
- Online access to credit card information
Download the Terms & Conditions here.
Zero worries. Zero hassles. Zero % balance transfers.
APR for Balance Transfers: 0.00% (for 6 Months)
Ongoing APR: 8.00%
Balance Transfer Fee: None
Late Fee: $15-$35
Overlimit Fee: $35.00
Returned Check Fee: $29.00
Grace Period: 25 Days
Credit Line: $1,000 to $20,000
Annual Fee: $50.00
High Velocity Savings! Best Credit Card Rates in the Country...
APR for Balance Transfers: 0.00% (for 6 Months)
Ongoing APR: 6.50%
Balance Transfer Fee: None
Late Fee: $15-$35
Overlimit Fee: $35.00
Returned Check Fee: $29.00
Grace Period: 25 Days
Credit Line: $1,000 to $20,000
Annual Fee: $35.00
Make your money worth More.SM*
APR for Balance Transfers: 0.00% (for *)
Ongoing APR: As low as 10.99%
Intro APR for Purchases: 0.00% (for *)
Balance Transfer Fee: 3%
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Grace Period: 25 Days
Credit Line: Minimum $5,000
Annual Fee: None
- 5% Cashback Bonus®* in categories that change like travel, home improvement stores, department stores, gas, groceries, restaurants and many more
- 5% to 20% Cashback Bonus® at top online retailers*
- Up to 1% Cashback Bonus®on all other purchases automatically
- Unlimited cash rewards*
- Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners*
- 0% Intro APR*
- Fraud specialists dedicated to helping you 24/7
- Timely e-mail reminders to help you avoid fees
*View rates, fees, rewards and other important information.
5% Cashback Bonus® on gas and auto maintenance purchases
APR for Balance Transfers: 0.00% (for *)
Ongoing APR: As low as 10.99%
Intro APR for Purchases: 0.00% (for *)
Balance Transfer Fee: 3%
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Grace Period: 25 Days
Credit Line: Minimum $5,000
Annual Fee: None
- 0% Intro APR*
- Save at the pump and everywhere else.*
- 5% Cashback Bonus® on your first $100 in gas and auto maintenance purchases each month - up to $1,200 in purchases each year
- 5% to 20% Cashback Bonus® at top online retailers*
- Up to 1% Cashback Bonus® on all other purchases
- Unlimited cash rewards*
- Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners
5% Cashback Bonus®*!
APR for Balance Transfers: 0.00% (for *)
Ongoing APR: As low as 10.99%
Intro APR for Purchases: 0.00% (for *)
Balance Transfer Fee: 3%
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Grace Period: 25 Days
Credit Line: Minimum $5,000
Annual Fee: None
- Unlimited cash rewards*
- 5% to 20% Cashback Bonus® at top online retailers*
- Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners*
- Talk to a knowledgeable person in less than a minute
- 0% Intro APR*
*View rates, fees, rewards and other important information.
A Miles card with no annual fee!
APR for Balance Transfers: 0.00% (for *)
Ongoing APR: As low as 10.99%
Intro APR for Purchases: 0.00% (for *)
Balance Transfer Fee: 3%
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Grace Period: 25 Days
Credit Line: Minimum $5,000
Annual Fee: None
- Book any travel, anytime with no blackout dates or restrictions
- Double Miles on up to $3,000 in travel and restaurant purchases each year
- 1 Mile for every $1 on all your other purchases - personal and business
- Unlimited Miles that never expire as long as you use your card
- Redeem for travel credits to your account, gift cards from any of our 90 brand-name Partners or cash
- 0% Intro APR*
*View rates, fees, rewards and other important information.