Credit Cards - Balance Transfer Credit Cards
Applying for a credit card to balance transfer is a great way to save on your existing credit card debt. Many credit cards have 0% APR balance transfer rates for 6-15 months. The secret to saving more with these credit card offers is to be aware of balance transfer fees and different interest rates for purchases.
Some credit cards have a 3% balance transfer fee with a maximum fee of $75 or $90. These fees are okay if you can take advantage of a 0% APR for more than 12 months. The fees were created so people couldn't credit card balance transfer surf (continuously transferring balances to avoid interest). Below are some of our favorite balance transfer credit cards.
Recommmended just for you
Citi® Platinum Select® Card
- 0% APR* on balance transfers and purchases for 9 months
- No annual fee
- Citi® Identity Theft Solutions
- $0 Liability on unauthorized purchases
- Secure, free online account management
- Extra Cash from Citi: enjoy significant discounts on gift cards, travel, merchandise and more.
Why we recommend it...
With the credit crunch finding low cost access to credit can be difficult. This Citi card has a nice 0% balance transfer rate for up to 9 months based on your credit. The down side of this card is the balance transfer fee but in many cases this can not be avoided. This translates to a 3% loan if you pay on time which is not too bad.
Pros:
- Up to 9 Months at 0% APR
- Low Purchase APR
Cons:
- Balance Transfer Fee
- High Credit Requirements
Credit Score Approval Data †
Average Credit Score Approved for this Card
Lowest Credit Score Approved for this Card
Additional balance transfer credit cards
Discover® More(SM) Card - Monogram
- Earn more cash in more ways than anyone else(SM)
- Unlimited cash rewards, automatically
- Up to 20% Cashback Bonus® when you shop online
- Double rewards with more than 100 Cashback Bonus Partners
- Customer Service in less than a minute, anytime you want
- 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers*
Discover® More(SM) Card - Sealife Collection
- Earn more cash in more ways than anyone else(SM)
- Unlimited cash rewards, automatically
- Up to 20% Cashback Bonus® when you shop online
- Double rewards with more than 100 Cashback Bonus Partners
- Customer Service in less than a minute, anytime you want
- 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers*
Discover® More(SM) Card - Wildlife Collection
- Earn more cash in more ways than anyone else(SM)
- Unlimited cash rewards, automatically
- Up to 20% Cashback Bonus® when you shop online
- Double rewards with more than 100 Cashback Bonus Partners
- Customer Service in less than a minute, anytime you want
- 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers*
* See the online Provider's 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 Provider's website.
† Credit Karma members have received approvals with these credit scores. We hope this information helps you in your selection. Please note because factors including income, length of credit history, and employment status can affect credit card approval, these are only guidelines and approval is not guaranteed.
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