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

Capital One® Platinum Prestige Credit Card

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0% Intro APR until July 2011 on balance transfers, processed in as little as 48 hours
0% Intro APR until July 2011 on purchases
Transfer your higher-rate balances
$0 Fraud Liability if your card is lost or stolen
24-hour travel & emergency assistance gives you a replacement card and cash advance
24-hour roadside assistance
Travel accident insurance
No annual fee

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23 Comments| Share| 0 members think this is a good card

Why we recommend it...

Platinum Prestige is a no-fuss credit card that is ideal for carrying large balances and doing balance transfers because it offers a generous 0% intro APR until July 2011 on balance transfer and purchases. After that, the interest rate is a terrifically low 11.9% APR. These kind of rock-bottom rates can save you thousands when carrying balances month-to-month. With no annual fee, you can afford to keep up this great card.

You’ll need excellent credit for this card, but if you can qualify, its one of the best balance transfer cards with premium credit card terms and additional roadside assistance and travel benefits to save you money in style.

Pros:

0% APR until July 2011 on balance transfers and purchases
No Annual Fee

Cons:

Need Excellent Credit

Credit Score Approval Data †

tbd

Average Credit Score Approved for this Card

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Lowest Credit Score Approved for this Card

Citi® Platinum Select® MasterCard

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0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months. After that, the APR will be 11.99%-19.99% based upon your creditworthiness. This APR will vary with the market based on the Prime Rate*
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.

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130 Comments| Share| 0 members think this is a good card

Why we recommend it...

Citi Platinum Select MasterCard is one of the best no-frills credit cards to carry large monthly balances and balance transfers. It's a simple but powerful card with an unbelievable 0% intro APR on balance transfers for 18 months and purchases for 12 months, and with no annual fee.

Citi’s Platinum Select MasterCard staple benefits are its low interest rate of 11.99-19.99% and no annual fee promise. Citi also added the new free Extra Cash rewards program that gives access to online discounts.

Citi Platinum Select card is key to saving money, while scoring extra benefits, over the long term.

Pros:

0% intro APR on balance transfers for 18 months
0% intro APR on purchases for 12 months
Low Interest Rates

Cons:

Need Excellent Credit
Fee on Balance Transfers

Credit Score Approval Data †

739

Average Credit Score Approved for this Card

654

Lowest Credit Score Approved for this Card

Additional balance transfer credit cards

Capital One® Platinum Credit Card

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0% Intro APR until July 2011 on balance transfers, processed in as little as 48 hours
0% Intro APR until July 2011 on purchases
Transfer your higher-rate balances
$0 Fraud Liability if your card is lost or stolen
24-hour travel & emergency assistance gives you a replacement card and cash advance
24-hour roadside assistance
Travel accident insurance
No annual fee

Details|

3 Comments| Share| 6 members think this is a good card

Citi Forward® Card

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Earn up to 8,500 bonus points after you sign up for paperless statements and make $250 in purchases within the first 3 months of account opening.
5 ThankYou points for every $1 you spend on restaurants and entertainment. 1 reward point for every $1 you spend on other purchases.
Up to a 2% purchase APR reduction when you make a purchase, stay under your credit line and pay on time 3 billing periods in a row.
No Annual Fee.
100 ThankYou Points each billing period that you pay on time and stay under your credit line
APR reduction on purchases when using credit wisely
0% APR for 7 months on purchases
0% APR for 12 months on balance transfers.

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77 Comments| Share| 114 members think this is a good card

Slate^SM from Chase

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0% Intro APR for up to 12 months*
No Annual Fee
Pay down balances on your terms with Blueprint^SM
Zero Liability on unauthorized purchases
E-mail and text alerts

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51 Comments| Share| 72 members think this is a good card

* 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. These approval metrics are only guidelines and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.