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.
0% APR for up to 15 months - Get Blue from American Express®
APR for Balance Transfers: 4.99% (for Life of Balance)
Ongoing APR: As low as Prime + 4.99% (Currently 9.99%)
Intro APR for Purchases: 0.00% (for Up to 15 Months)
Balance Transfer Fee: None if submitted with this application*
Late Fee: $19-$38
Overlimit Fee: $35.00
Returned Check Fee: $38.00
Grace Period: 20 Days
Credit Line: Up to $100,000
Annual Fee: None
The card built for small businesses.
APR for Balance Transfers: 0.00% (for 12 Months)
Ongoing APR: Prime + 2.99% (Currently 7.99%)
Intro APR for Purchases: 0.00% (for 12 Months)
Balance Transfer Fee: Balance transfer fee applies with this offer*
Late Fee: $15-$39
Overlimit Fee: $35.00
Grace Period: 25 Days
Annual Fee: None
- 0% APR on purchases and balance transfers for 12 months*
- No annual fee
- Business-size credit line
- Free additional cards for employees with credit limits you set
- Savings on everyday business purchases
- Quarterly and annual account summaries
- Balance transfer fee applies with this offer*
*See Terms and Conditions.
Get back 10% of your yearly interest charges!
APR for Balance Transfers: 0.00% (for six billing cycles)
Ongoing APR: Prime + 5.99% (Currently 10.99%)
Balance Transfer Fee: 3% (minimum $10)
Late Fee: $15-$39
Overlimit Fee: $15-$39
Grace Period: 20 Days (Min.)
Credit Line: Minimum $500
Annual Fee: None
- No annual fee
- 0% Introductory APR on balance transfers and cash advance checks for your first 6 billing cycles*
- Get back 10% of your yearly interest charges
- Card issued by FIA Card Services, NA.
*See important rate and fee information.
The BusinessCard as individual as your business...only from Advanta.
APR for Balance Transfers: 2.99% (for Life of Balance*)
Ongoing APR: Prime + 2.24% (Currently 7.24%)
Balance Transfer Fee: Waived for the introductory offer*
Late Fee: $19-$39
Overlimit Fee: $15-$39
Returned Check Fee: $35.00
Grace Period: 20 Days
Annual Fee: None
- 2.99% Fixed APR for LIFE on balances transferred within 3 months
- Choice of 6% Cash Back on Bonus Qualifying purchases* or Travel Rewards
- No Annual Fee and No Limit on Earnings
- Get employee cards with no fee and set spending limits per user
- $0 Fraud Liability
- Personalized card — your company name on the card, plus your logo.
* See website for Terms and Conditions.
Clear has absolutely no fees.
APR for Balance Transfers: Fixed 5.99% (for Life of Balance)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)
Intro APR for Purchases: 0.00% (for Up to 12 Months)
Balance Transfer Fee: None
Late Fee: None
Overlimit Fee: None
Returned Check Fee: None
Grace Period: 28-31 Days
Annual Fee: None
Some of the lowest rates in the nation.
APR for Balance Transfers: 0.00% (for 6 Billing Periods)
Ongoing APR: As low as Prime - 1.00% (Currently 4.00%)
Balance Transfer Fee: None
Late Fee: $15-$35
Overlimit Fee: $35.00
Returned Check Fee: $29.00
Grace Period: 25 Days
Annual Fee: None
- Variable rates as low as 7.25%
- 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.
A full 1% back for every dollar you spend.
APR for Balance Transfers: 0.00% (for Up to 6 Months*)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*
Intro APR for Purchases: 0.00% (for 6 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $50)
Late Fee: $15-$35
Overlimit Fee: $29.00
Grace Period: At least 20 Days
Annual Fee: None
- Earn one reward point for every dollar you spend.*
- 0% APR for up to 6 months and pay no annual fee.*
- No telemarketing calls.
- Zero unauthorized liability.
- Exclusive discounts for AARP Platinum Visa cardmembers.
- Automatic AARP Rewards Platinum Visa card benefits.
*See Pricing & Terms.
Low variable rates, plus 1% cash back!
APR for Balance Transfers: 0.00% (for 6 Billing Periods)
Ongoing APR: As low as Prime + 0.99% (Currently 5.99%)
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.
Start Building a solid credit history!
APR for Balance Transfers: 0.00% (for twelve billing cycles*)
Ongoing APR: As low as Prime + 2.99% (Currently 7.99%)*
Balance Transfer Fee: 3% (minimum $10)
Late Fee: $15-$39
Overlimit Fee: $15-$39
Grace Period: 20 Days (Min.)
Credit Line: As high as $25,000
Annual Fee: None
- No Annual Fee
- 0% Introductory APR on balance transfers and cash advance checks for your first 12 billing cycles*
- Credit lines may be as high as $25,000
- Card issued by FIA Card Services, NA.
- Online Banking Service
- Total Security Protection®
- Card issued by FIA Card Services, NA
*See important rate and fee information.
A business credit card, now with your favorite image on it.
APR for Balance Transfers: 0.00% (for 15 Months)
Ongoing APR: Prime + 0.24% (Currently 5.24%)
Balance Transfer Fee: 3% (minimum $5; maximum $50)
Late Fee: $19-$39
Overlimit Fee: $15-$39
Returned Check Fee: $35.00
Grace Period: YES*
Credit Line: Up to $50,000
Annual Fee: None
- 0% APR for 15 Months on Balance Transfers, 7.99% Fixed APR thereafter*
- 7.99% Variable APR on Purchases
- Choice of 5% Cash Back on office supplies, gas and more*
- No Annual Fee and No Limit on Earnings
- Get employee cards with no fee and set spending limits per user
- $0 Fraud Liability
- Personalized card — your company name on the card, plus logo or other image!
- No Tax ID required for application
- Build Business Credit with the Advanta BusinessCard
* See website for Terms and Conditions.
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 + 0.99% (Currently 5.99%)
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.
A decision that's easy to make: FREE CASH!
APR for Balance Transfers: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*
Intro APR for Purchases: 0.00% (for 12 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $75)
Late Fee: $15-$39
Overlimit Fee: $39.00
Grace Period: At least 20 Days
Annual Fee: None
- Earn 1 point for every eligible $1 in purchases*
- 1,000 Bonus Points* with your first purchase
- Intro 0% Fixed APR for up to 12 months*
- No Annual Fee
- Get your rewards with as few as 2500 points
- Choose from either a $25 check or a $25 gift card/certificate
*See Pricing & Terms.
Variable rates as low as 7.25%!
APR for Balance Transfers: 0.00% (for 6 Billing Periods)
Ongoing APR: As low as Prime - 1.00% (Currently 4.00%)
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.
Get a variety of magical rewards no other card can match!
APR for Balance Transfers: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*
Intro APR for Purchases: 0.00% (for 12 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $50)
Late Fee: $14-$34
Overlimit Fee: $29.00
Grace Period: At least 20 Days
Annual Fee: None
- No Annual Fee
- 0% Intro APR for up to 12 months*
- No Block-out Dates
- Visa® Platinum Benefits
*See Pricing & Terms.
Earn Points for Cash Back!
APR for Balance Transfers: 0.00% (for six billing cycles)
Ongoing APR: Prime + 5.99% (Currently 10.99%)
Balance Transfer Fee: 3% (minimum $10)
Late Fee: $15-$39
Overlimit Fee: $15-$39
Grace Period: 20 Days (Min.)
Credit Line: $500 to $25,000
Annual Fee: None
- 0% Intro Annual Percentage Rate (APR)* on balance transfers and cash advance checks for the first 6 billing cycles
- Earn 5 bonus points with your first purchase
- Bilingual communications and services in English or Spanish
- No Annual Fee
- Card issued by FIA Card Services, NA.
*See important rate and fee information.
1% cash back on everything you buy from day one!
APR for Balance Transfers: 0.00% (for 6 Billing Periods)
Ongoing APR: As low as Prime + 0.99% (Currently 5.99%)
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 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.
Your choice. Your chase.
APR for Balance Transfers: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*
Intro APR for Purchases: 0.00% (for 12 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $75)
Late Fee: $15-$39
Overlimit Fee: $39.00
Grace Period: At least 20 Days
Annual Fee: None
- Earn 1 point for every dollar spent*
- Earn airline tickets, hotel stays or car rentals.
- 0% introductory APR* for up to 12 months
- The time period for the intro APR and balance transfers to which it will apply will be based on review of your application and credit history
- No Annual Fee
*See Pricing & Terms.
SAVINGS YOU CAN TAKE ON THE ROAD - SAVE 6%!
APR for Balance Transfers: 0.00% (for Up to 6 Months*)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*
Intro APR for Purchases: 0.00% (for 6 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $75)
Late Fee: $15-$39
Overlimit Fee: $39.00
Grace Period: At least 20 Days
Annual Fee: None*
- 6% rebates on ALL gas purchases at ANY gas station for the first 90 days*
- 3% rebates on ALL gas purchases at ANY gas station after the first 90 days*
- 1% rebates on ALL other purchases made anywhere else*
- 0% Intro APR* for up to 6 months*
- No Annual Fee
*See Pricing & Terms.
Low Rates, Rich Rewards and Exclusive Savings.
APR for Balance Transfers: 0.00% (for 15 Months)
Ongoing APR: Prime + 0.24% (Currently 5.24%)
Balance Transfer Fee: 3% (minimum $5; maximum $50)
Late Fee: $19-$39
Overlimit Fee: $15-$39
Returned Check Fee: $35.00
Grace Period: YES*
Credit Line: Up to $50,000
Annual Fee: None
- 0% APR for 15 Months on Balance Transfers, 7.99% Fixed APR thereafter*
- 7.99% Variable APR (based on Prime) on Purchases
- Up to 5% Cash Back on office supplies, gas and more*
- No Annual Fee and No Limit on Earnings
- Get employee cards with no fee and set monthly spending limits per user
- $0 Fraud Liability
- Personalized card — your company name on the card, plus your logo.
* See website for Terms and Conditions, important information, benefits and limitations.
Rewards to eat, drink, and play in Los Angeles.
APR for Balance Transfers: 0.00% (for 6 Months)
Ongoing APR: As low as Prime + 3.99% (Currently 8.99%)
Intro APR for Purchases: 0.00% (for 6 Months)
Balance Transfer Fee: None if submitted with this application*
Late Fee: $19-$38
Overlimit Fee: $35.00
Returned Check Fee: $38.00
Grace Period: 20 Days
Credit Line: Up to $100,000
Annual Fee: None
- Earn one INSIDESM Rewards point for every eligible dollar you spend, whether you're in Los Angeles or not*
- Earn double INSIDESM Rewards points when you use the Card for city essentials like dining, movie tickets, cell phone service, cable and internet service, gym memberships, and newspaper and magazine subscriptions*
- Redeem points for rewards to eat, drink, and play in Los Angeles, Chicago, and New York
- No limit to the number of points you can earn
- Points have no expiration date
*See Terms, Conditions & Disclosures.
Say hello to the newest Blue - BLUE CASH from American Express®.
APR for Balance Transfers: As low as Fixed 4.99% (for Life of Balance)
Ongoing APR: As low as Prime + 4.99% (Currently 9.99%)
Intro APR for Purchases: 0.00% (for 6 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $99)
Late Fee: $19-$38
Overlimit Fee: $35.00
Returned Check Fee: $38.00
Grace Period: 20 Days
Credit Line: Up to $100,000
Annual Fee: None
- Up to 5% cash back on all qualified purchases*
- 0% Intro APR for 6 months
- Online application approval decisions in under 60 seconds
- Balance Transfer APR 4.99%
- Go To Rate: Prime + as low as 4.99%, currently 9.99%
- Flexibility to pay over time
- No annual fee
*See Terms, Conditions & Disclosures
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
Get it all... 5% Cashback Bonus® in categories that change four times a year*
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% (minimum $10; maximum $75)
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 like travel, home, gas, restaurants, movies and more
- 5% to 20% Cashback Bonus® at top online retailers*
- Up to 1% Cashback Bonus®on all other purchases automatically
- Unlimited cash rewards*
- Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus® 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.
Choose Your Sealife Card Design!
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% (minimum $10; maximum $75)
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 like travel, home, gas, restaurants, movies and more
- 5% to 20% Cashback Bonus® at top online retailers*
- Up to 1% Cashback Bonus®on all other purchases automatically
- Unlimited cash rewards*
- Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus® Partners
- Easy online account options that put you in control
- Timely e-mail reminders to help you avoid fees
*View rates, fees, rewards and other important information.
Get the Card that lets you eat, drink, and play at New York City's most fashionable spots.
APR for Balance Transfers: 0.00% (for 6 Months)
Ongoing APR: As low as Prime + 3.99% (Currently 8.99%)
Intro APR for Purchases: 0.00% (for 6 Months)
Balance Transfer Fee: None if submitted with this application*
Late Fee: $19-$38
Overlimit Fee: $35.00
Returned Check Fee: $38.00
Grace Period: 20 Days
Credit Line: Up to $100,000
Annual Fee: None
Choose from different Wildlife Card Designs!
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% (minimum $10; maximum $75)
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*
- Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus® Partners
- 0% Intro APR*
- Talk to a knowledgeable person in less than a minute
- $0 fraud liability guarantee
- Advanced fraud early warning alerts
- Secure online account numbers
- Fraud specialists dedicated to helping you 24/7
*View rates, fees, rewards and other important information.
Patriotic, American Flag Design!
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% (minimum $10; maximum $75)
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 like travel, home, gas, restaurants, movies and more
- 5% to 20% Cashback Bonus® at top online retailers*
- Up to 1% Cashback Bonus®on all other purchases automatically
- Unlimited cash rewards*
- Increase, even double, the value of your rewards when you redeem for gift cards from our 80 Cashback Bonus® Partners
- 0% Intro APR*
*View rates, fees, rewards and other important information.
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
Redeem points for rewards to eat, drink, and play in Chicago.
APR for Balance Transfers: 0.00% (for 6 Months)
Ongoing APR: As low as Prime + 3.99% (Currently 8.99%)
Intro APR for Purchases: 0.00% (for 6 Months)
Balance Transfer Fee: None if submitted with this application*
Late Fee: $19-$38
Overlimit Fee: $35.00
Returned Check Fee: $38.00
Grace Period: 20 Days
Credit Line: Up to $100,000
Annual Fee: None
Say good-bye to Travel Reward Restrictions!
APR for Balance Transfers: As low as Fixed 4.99% (for Life of Balance)
Ongoing APR: As low as Prime + 4.99% (Currently 9.99%)
Intro APR for Purchases: 0.00% (for 6 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $99)
Late Fee: $19-$38
Overlimit Fee: $35.00
Returned Check Fee: $38.00
Grace Period: 20 Days
Annual Fee: None
- Earn free travel fast with Blue Sky
- No blackout dates, no travel restrictions
- Points good on any airline, hotel, cruise and more
- Travel anytime: no blackout dates or restrictions
- Unlimited rewards: no point caps or expiration dates
- No annual fee and 0.00% intro APR*
- World class American Express® benefits
- The Sky's the Limit with Blue Sky®
*See Terms, Conditions & Disclosures






























