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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. [Advertising Disclosure]

Credit Needed: Excellent/Good

  • One-time $100 cash 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 or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
  • Get a 20% Statement Credit on Uber rides purchased with this card through April 2016
  • 0% intro APR on purchases until May 2016; 12.9%-22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until May 2016, a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • Capital One® Credit Tracker - a free way to easily monitor your monthly credit score anytime, anywhere
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% intro on purchasesuntil May 2016 0% intro on balance transfersuntil May 2016 12.9% - 22.9% (Variable) $0

Credit Needed: N/A

  • Find card offers you may be eligible for without affecting your credit score
  • Get matched to features you want like low intro rates, cash back or miles, and more
  • See your card matches in less than 60 seconds
  • Find a card for where you are to help you prepare for what’s ahead
  • All Capital One cards come with fraud coverage if your card is lost or stolen
  • 24/7 account access including mobile app for fast and easy account management - right from your smartphone
  • Pick the monthly payment due date that works best for you
  • Pay the way you want - by check, online, or at a local branch
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
See TermsSee Terms See TermsSee Terms See Terms See Terms

Credit Needed: Excellent

Average Approved Score: N/A*

Lowest Approved Score: N/A*

  • Earn 10,000 enrollment FlexPoints after you spend $1,000 in Net Purchases (purchases minus credits and returns) on your Card within the first four months of account opening.
  • Use your Card at select membership warehouse clubs and for everyday purchases.
  • 1 FlexPoint for every $1 in Net Purchases.
  • No annual fee.*
  • Redemption starts at just 5,000 FlexPoints for merchandise, gift cards, statement credits and more.
  • An airline award ticket starts at just 20,000 FlexPoints (up to $400 value).
  • Net purchases are purchases minus credits and returns
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
N/A N/A 0%* 9 Months 13.99% – 23.99%* Variable $0

Discover it® - Double Cash Back your first year

Great For: Saving money on large balance transfers

Credit Needed: Excellent

Average Approved Score: 708*

Lowest Approved Score: 653*

  • New! Double all the cash back you've earned at the end of your first year automatically-only for new cardmembers*
  • 5% cash back in categories that change each quarter like gas, restaurants, Amazon.com and more-up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • 0% intro APR on balance transfers for 18 months-then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.* Plus get 100% U.S.-based service.
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.*
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and you're never responsible for unauthorized purchases on your Discover card.
  • Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & 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

Barclaycard® Ring MasterCard®

Great For: Low interest rates with no balance transfer fees

Credit Needed: Excellent

  • No Balance Transfer Fees - start saving immediately!
  • A low variable APR on balance transfers and purchases
  • No Annual Fee and No Foreign Transaction Fee
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • 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
  • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
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

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.

Advertising Disclosure

Money Under 30 is an advertising-supported Website. Many of the card offers on this site are from companies from which Money Under 30 receives compensation, and we do not display all of the cards that may be available in the marketplace. Also, such compensation may affect how and where we display certain credit cards. This helps keep our content free, and if you choose to support us in this way, thanks!

*This credit score information is provided through a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed.

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