MoneyUnder30.com
Simple. Honest. Personal finance.
MoneyUnder30.com

Balance Transfer Credit Cards

Compare balance transfer credit cards and save on interest when you move your existing high interest balances to a card with an 0% introductory offer. Find the best balance transfer credit card you can get with your credit score. See the average and lowest credit scores approved for each credit card (a “0″ means we don’t yet have enough credit score approval data for that card.) For more information on balance transfer credit cards, read below:

Discover it®

Great For: Saving money on large balance transfers

Credit Needed: Excellent

Average Approved Score: 731*

Lowest Approved Score: 687*

  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Plus, pay up to midnight ET online or by phone on your due date without a fee. No late fee on your first late payment. And paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014 when you sign up.*
  • Human. 100% U.S.-based customer service available any time.
  • Looking out for you. Because we monitor every Discover card purchase, every day. If something looks suspicious, we alert you by e-mail, phone or text. And you’re never responsible for any unauthorized purchases on your Discover card account. Period.*
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • *Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% 6 Months 0% 18 Months 10.99% – 22.99%* Variable $0

Capital One® Platinum Prestige Credit Card

Great For: Balance transfers and low introductory rates.

Credit Needed: Excellent

Average Approved Score: 687*

Lowest Approved Score: 634*

  • Transfer a balance for 0% intro APR until July 2015
  • Get 0% intro APR on all purchases until July 2015
  • Enjoy no annual fee
  • Get peace of mind with fraud coverage if your card is lost or stolen
  • Enjoy extended warranty protection on eligible items purchased with your card
  • Fast and easy access, 24/7
  • Rent a car using your card and get collision, damage, and loss insurance
  • Feel secure with 24-hour roadside assistance
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% until July 2015 0% until July 2015 10.9% – 18.9%* Variable $0

Citi Simplicity® Card

Great For: Balance transfers and direct access to service representatives.

Credit Needed: Excellent

Average Approved Score: 701*

Lowest Approved Score: 652*

  • 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.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
  • No penalty rate - EVER
  • No annual fee - EVER
  • Save time when you call with fast, personal help, 24 hours a day.
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%* 18 Months* 0%* 18 Months* 12.99% – 21.99%* Variable $0*

Citi® Diamond Preferred® Card

Great For: Personalized concierge services and deals on entertainment.

Credit Needed: Excellent

Average Approved Score: 727*

Lowest Approved Score: 672*

  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Easy Deals(SM) Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • Enjoy special access to presale tickets, preferred seating, VIP packages, and unique entertainment experiences through Citi Private Pass®.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%* 18 Months* 0%* 18 Months* 11.99% – 21.99%* Variable $0*

Citi® Dividend Platinum Select® Visa® Card

Great For: Online rewards program that rotates categories quarterly.

Credit Needed: Excellent

Average Approved Score: 712*

Lowest Approved Score: 656*

  • Earn $100 cash back after $500 in purchases within the first 3 months of account opening
  • Earn 5% cash back every quarter in must-have categories. Right now, on purchases at The Home Depot®, home furnishing and home and garden stores from 4/1/14 through 6/30/14.
  • Enrollment each quarter is quick and easy
  • Earn 1% cash back on all other purchases.
  • The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer. See Citi Dividend Card Reward Program Information.
  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • No Annual Fee*
  • Click Apply Now to see pricing details
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%* 12 Months* 0%* 12 Months* 12.99% – 22.99%* Variable $0*

Capital One® Quicksilver® Cash Rewards Credit Card

Great For: Cash back with customized ways to redeem your rewards.

Credit Needed: Excellent

Average Approved Score: 714*

Lowest Approved Score: 642*

  • One-time $100 bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
  • Redeem the cash back you earn for any amount, any time
  • Your cash back doesn't expire
  • 0% intro APR on purchases and balance transfers until January 2015
  • No annual fee
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% until January 2015 0% until January 2015 12.9% – 22.9%* Variable $0

Credit Needed: Excellent

Average Approved Score: 727*

Lowest Approved Score: 641*

  • Enjoy 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% - 22.99% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment
  • 1 ThankYou Point on other purchases.
  • Points do not expire and earn unlimited ThankYou Points
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%* 15 Months* 0%* 15 Months* 12.99% – 22.99%* Variable $0*

U.S. Bank Visa® Platinum Card

Great For: Low balance transfer introductory rates with no annual fee.

Credit Needed: Excellent

Average Approved Score: 730*

Lowest Approved Score: 661*

  • 0% Intro APR* on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 9.99%-23.99%
  • No annual fee*
  • Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum
  • $0 fraud liability* for unauthorized transactions if your card is ever lost or stolen
  • Fraud Protection detects and notifies you of any unusual card activity to help prevent fraud
  • Online account management and account alerts
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% 15 Months 0% 15 Months 9.99% – 23.99%* Variable $0

The Premier Miles & More World MasterCard®

Great For: Travel rewards and low introductory rates

Credit Needed: Excellent

Average Approved Score: 726*

Lowest Approved Score: 670*

  • Earn 20,000 award miles after your first purchase or balance transfer
  • Earn up to 15,000 award miles with balance transfers (1 mile per $1 transferred) within 30 days of account opening
  • Earn 2 award miles per $1 on ticket purchases directly from Miles & More integrated airline partners
  • Earn 1 mile per $1 on all other purchases
  • Annual Companion Ticket after first purchase, then annually thereafter
  • No foreign transaction fees on purchases made outside the U.S.
  • Redeem miles for flight awards and upgrades on Lufthansa, Austrian Airlines, Brussels Airlines, SWISS, Star Alliance airlines and other partners
  • $79 Annual Fee, waived for SEN and HON Circle Members
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% 12 Months 0% 12 Months 15.99% or 24.99%* Variable $79

Priceline Rewards™ Visa® Credit Card

Great For: Low introductory rates and unlimited rewards

Credit Needed: Excellent

Average Approved Score: 732*

Lowest Approved Score: 655*

  • No Annual Fee
  • Earn 5,000 bonus points after your first purchase
  • Earn 5X points on Priceline.com purchases
  • Earn 1 point on everything else. And there’s no limit to the number of points you can earn!
  • Plus, earn an additional 5,000 bonus points after spending $1,000 on qualifying transactions in the first 90 days of account opening
  • Your points can act like cash - Redeem points for statement credits against purchases made on your account
  • Please see terms and conditions for complete details
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% 12 Months 0% 12 Months 14.99% or 21.99%* Variable $0

The L.L. Bean Visa Card

Great For: Earning rewards on all L.L.Bean purchases with no annual fee.

Credit Needed: Good

Average Approved Score: 663*

Lowest Approved Score: 621*

  • No Annual Fee
  • Earn 3% rewards on L.L.Bean purchases
  • Earn 1% rewards on all other purchases
  • Receive $10 L.L.Bean Coupons as you earn them
  • Enjoy free returns and free monogramming at L.L.Bean
  • Please see terms and conditions for complete detail
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
N/A N/A N/A N/A 13.99% – 19.99%* Variable $0

Credit Needed: Excellent

Average Approved Score: 743*

Lowest Approved Score: 697*

  • Earn 20,000 bonus ThankYou® Points after $1,500 in card purchases within 3 months of account opening redeemable for $200 in gift cards or other great rewards!
  • 0% intro APR on Balance Transfers and Purchases for 12 months. After that, the variable APR will be 12.99%-22.99% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.*
  • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment
  • 1 ThankYou Point on other purchases
  • Points do not expire and earn unlimited Thank You Points
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%* 12 Months* 0%* 12 Months* 12.99% – 22.99%* Variable $0*

Barclaycard® Ring MasterCard® - 1% Back on Balance Transfers

Great For: Low interest rates with no balance transfer fees

Credit Needed: Excellent

Average Approved Score: 730*

Lowest Approved Score: 681*

  • Get a 1% Statement Credit back on the amount of balance transfers made in the first 60 days of account opening
  • No Balance Transfer Fees - start saving immediately!
  • A low 8% variable APR on balance transfers and purchases
  • No Annual Fees
  • Choose your card benefits and features
  • Get rewarded through the new Giveback™ program, where Barclaycard Ring members get money back for good performance
  • Get exclusive access to our online community and vote on the card features you like and view the financials of the Barclaycard Ring MasterCard online
  • Learn more about personal finance from Barclaycard and other members
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
N/A N/A N/A N/A 8.00%* Variable $0

Credit Needed: Excellent

Average Approved Score: 0*

Lowest Approved Score: 0*

  • Earn 40,000 bonus miles after spending $500 in purchases in the first 90 days
  • Earn up to 10,000 bonus miles on balance transfers (1 mile per $1 transferred) in the first 90 days
  • Earn DOUBLE miles on purchases at FlyFrontier.com and 1 mile per $1 on all other purchases
  • No blackout dates! Book any roundtrip award flight on Frontier starting at 20,000 miles (subject to fees/taxes from $5)
  • Cardmember Exclusive! Redeem roundtrip companion award tickets for 5,000 less miles (from 15,000 miles plus taxes/fees from $5)
  • 0% Introductory APR on purchases and balance transfers for the first 12 months after account opening. After that, a variable APR, currently 15.99% or 24.99% based on your creditworthiness
  • $69 Annual Fee
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% 12 Months 0% 12 Months 15.99% or 24.99%* Variable $69

The US Airways Premier World MasterCard®

Great For: Airline rewards and travel perks

Credit Needed: Excellent

Average Approved Score: 753*

Lowest Approved Score: 680*

  • Earn up to 40,000 bonus miles on qualifying transactions
  • Exclusive: Book award flights for 5,000 fewer miles - award travel starts at just 20,000 miles for cardmembers
  • Zone 2 boarding on every flight
  • Earn 2 miles per $1 on US Airways purchases
  • Earn 1 mile per $1 spent everywhere else
  • Annual companion certificate good for round-trip travel for up to 2 companions at $99 each, plus taxes and fees
  • First Class check-in
  • Please see terms and conditions for complete details
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% 12 Months 0% 12 Months 15.99% or 24.99%* Variable $89

Credit Needed: Excellent

Average Approved Score: 0*

Lowest Approved Score: 0*

  • You can earn 10% or more cash back on eligible online purchases through Upromise
  • Start with a $50 cash back bonus after first use
  • Earn 4% back at thousands of participating Upromise dining restaurants
  • Earn 3% cash back on eligible gas purchases at Exxon or Mobil locations
  • Earn 2% cash back at eligible movie theaters
  • Earn 1% cash back everywhere else
  • No annual fee
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% 12 Months 0% 12 Months 12.99% or 20.99%* Variable $0

About balance transfer credit cards

Getting a credit card balance transfer with a 0 percent interest rate for a year or longer can be a great way to save money if you’re paying off an existing balance at a high APR. That said, balances transfers can also be a slippery slope — if you find yourself moving the same balance from one card to another for several years, you probably need to take a closer look at why you’re in debt.

To choose a balance transfer credit card, you want to look at how long they offer the 0% rate, what the balance transfer fee is (most cards charge between 4 and 5 percent of the money you transfer) and your chances of being approved for the card. If you have a lot of credit card debt on other cards, you may have a hard time getting approved for some cards that offer the best balance transfer rates. Look for cards with an average approved score close to your current credit score.

Once you get your new balance transfer credit card, do not use it for new purchases! Instead focus on paying down your debt before the introductory rate expires.

*Credit Karma users have received approvals with these TransUnion New Account credit scores. These approval metrics are only guidelines and approval is not guaranteed.