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Balance Transfer Credit Cards

Balance Transfer Credit Cards

Balance Transfer Credit Cards make it easy for you to consolidate your credit card debt onto one lower-interest card, saving you money and simplifying your finances. Some balance transfer credit cards will even offer a 0% APR introductory rate. They may even offer rewards that give you cash back, travel rewards or points towards free merchandise or gift cards.

Balance transfer cards offer a promotional period during which you can get a low introductory rate from 3 to 12 months. After that, rates adjust to a fixed level, often less than you are paying right now. Some cards will offer a free balance transfer and other incentives to make your decision easier.

Search through Balance Transfer Credit Cards to find the card the best fits your financial goals and personal style. Compare offers and choose the card that will save you the most on your balance transfer and apply online through a secure application. It’s an easy way to save money and simplify your life.

ne through a secure application. It’s an easy way to save money and simplify your life.

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Credit Card Rates
PRODUCT +/- Rate Last week
30 yr fixed mtg Graph Icon Arrow 3.65% 3.65%
15 yr fixed mtg Graph Icon Arrow 2.80% 2.78%
5/1 ARM Graph Icon Arrow 2.59% 2.60%
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PRODUCT +/- Rate Last week
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PRODUCT +/- Rate Last week
48 month used car loan Graph Icon Arrow 2.92% 2.97%
48 month new car loan Graph Icon Arrow 2.44% 2.45%
36 month used car loan Graph Icon Arrow 2.88% 2.92%
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PRODUCT +/- Yield Last week
6 month CD Graph Icon Arrow 0.45% 0.41%
1 yr CD Graph Icon Arrow 0.65% 0.65%
5 yr CD Graph Icon Arrow 1.24% 1.22%
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PRODUCT Rate
Balance Transfer Cards 15.92%
Cash Back Cards 16.34%
Low Interest Cards 11.01%
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Recommended Just For You

Limited Time Offer - $0 Balance Transfer Fee!*
0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 19.99%*
5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
24/7 access to a U.S.-based Account Manager within 60 seconds
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
*Click apply to view rates, fees, rewards, limitations and other important information
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0%*
(APR: 0% for 12 months*) 		10.99% - 19.99% (Variable)* None 0%
(12 months*) 		Excellent Credit
Why we recommend it
After the intro APR expires, your APR will be 10.99% to 20.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Additional Balance Transfer Credit Cards

New – 20,000 points toward FREE FLIGHTS + $50 after the first time you use your card
Get 3,000 Points every year on your Card member Anniversary - that's equal to $50 toward a Wanna Get Away® Fare
Now you can redeem for International Travel, Hotels, Gift Cards and more.
Earn unlimited FREE FLIGHTS - 2 Points per $1 Spent on Southwest Purchases and 1 Point per $1 Spent onEVERYTHING else
Your Bags Fly FREE! No Blackout Dates, Points Don’t Expire, and Unlimited Reward Seats!
No Change fees – if you need to change your flight, you won’t be charged a fee.
September 11th Security Fee Applies
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
N/A As Low As
14.24%* 		$69* (YES*) Excellent Credit

0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 11.99% - 20.99%*
5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more. Limitations apply*
Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
Discover is ranked #1 in customer loyalty--16 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
24/7 access to a U.S.-based Account Manager within 60 seconds
$0 Fraud Liability plus automatic mobile and email fraud alert options
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
*Click apply to view rates, fees, rewards, limitations and other important information
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0%*
(15 months) 		11.99%-20.99% (Variable)* None (YES) Excellent Credit

0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
2% automatically at gas stations and restaurants all year long*
Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
24/7 access to a U.S.-based Account Manager within 60 seconds
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
*Click apply to view rates, fees, rewards, limitations and other important information
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0%*
(15 months on purchases & balance transfers*) 		As Low As
10.99%-20.99% (Variable)* 		None 0%*
(15 Months*) 		Excellent Credit

Check your Report See who's been checking your credit. Look for potential inaccuracies and unauthorized activity.
Guard your Identity We'll closely monitor** your Experian® Equifax® and TransUnion® Credit Reports every day.
Know your Score Higher scores usually mean lower interest rates on new loans, which could save you money.
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
N/A None N/A No Credit

For a limited time: Earn 5X points on shipping and advertising for the first 3 months of Card membership.
Earn points even faster to get more rewards for your business
3X points on airfare, 2X points on advertising, gas, and shipping, 1X points on everything else*
One million rewards from over 500 brands
24/7 support for everything from identity theft to travel emergencies
$0 introductory annual fee for the first year, then $175
Get unlimited Additional Gold Cards for an additional annual fee of $50 - and this fee is waived for the first year
Terms & Restrictions Apply.
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0%
(6, 9, or 12 months*) 		N/A* No annual fee for the first year, then $175 N/A Excellent Credit

Earn $150 cash back after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
0% intro APR on purchases for 12 months, flexibility to pay over time
Get 6% cash back at supermarkets, 3% cash back at gas stations and department stores, and 1% cash back on all other purchases
No spend minimum, No enrollment, and No rotating rewards categories
Get a $75 Referral Bonus for each friend or family member who is approved for the Card
The annual fee pays for itself. With 6% cash back at supermarkets, if you spend just $25 weekly at your supermarket, you can receive over $75 cash back from these purchases alone.
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0%*
(12 months on purchases*) 		As Low As
17.24%-22.24% Variable 		$75 N/A
(N/A) 		Excellent Credit

7,500 bonus points when you spend $1,000 within 3 months - redeemable for a $100 statement credit.
No annual fee.
Travel rewards with no blackout dates or travel restrictions. Redeem with any airline, any car rental, any hotel - anytime.
Pay your bill all at once, or over time. It's up to you.
Blue Savings Program® big deals on big brands, all the time.
Get a decision in as little as 60 seconds.
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0%
(12 months on purchases*) 		As Low As
17.24%-22.24% Variable 		None 17.24%-21.24%
(N/A) 		Excellent Credit

Earn up to 25,000 Starpoints®: Receive 10K after your first purchase, and another 15K when you spend $5,000 in 6 months-enough for up to 6 free nights at a Category 1 or 2 hotel
Redeem Starpoints at over 1,000 hotels and resorts in nearly 100 countries, and for flights on more than 350 airlines through SPG Flights. No blackout dates.
$0 introductory annual fee for the first year, then $65
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
N/A*
(N/A*) 		As Low As
15.24% - 19.24% Variable 		$0 introductory annual fee for the first year, the N/A Excellent Credit

Earn 10,000 Bonus Miles with every $2,000 in purchases within the first 6 months - up to 20,000 Bonus Miles
1 Mile on every $1 you spend - Plus flexible redemption options like travel credits, merchandise, gift cards or cash
0% introAPR on balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 20.99%*
No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
Travel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover card
Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
*Click apply to view rates, fees, rewards, limitations and other important information
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0%
(6 months*) 		As Low As
10.99%-20.99% (Variable)* 		None 0%
(6 months*) 		Excellent Credit

Starpoints® Bonus: 10K with your first purchase and another 15K when you spend $5k within 6 months - enough for up to 6 free nights at a category 1 or 2 hotel
Free nights, free flights: Redeem Starpoints with over 350 airlines through SPG Flights and more than 1,000 hotels and resorts worldwide. No blackout dates
2011 SmarterTravel® Award for "Best Travel Rewards Card"
$0 introductory annual fee for the first year, then $65
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
N/A As Low As
15.24% - 19.24% Variable 		$0 introductory annual fee for the first year, the Yes*
(N/A) 		Excellent Credit

Earn Cashback Bonus® for your good credit management
3.99% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 11.99% - 20.99%*
Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
24/7 access to a U.S.-based Account Manager within 60 seconds
$0 Fraud Liability plus automatic mobile and email fraud alert options
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
*Click apply to view rates, fees, rewards, limitations and other important information
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
3.99%*
(12 Months*) 		11.99% - 20.99% (Variable)* None 3.99%*
(15 Months*) 		Good Credit

Introductory Rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on Purchases. (If there is an interest charge, the charge will be no less then $1.00). This rate will not change during the introductory period.
Low Introductory APR on Balance Transfers of 1.99% for the first 12 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Low Ongoing Variable Rate APR after introductory period of 7.50%, 9.50%, or 11.50% (Prime + 4.25%, Prime + 6.25%, and Prime + 8.25%) based on your creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less then $1.00).
Online access to credit card account information
Low Annual Fee of $35.00. Apply Now!
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0%*
(12 months) 		As Low As
7.50% 		$45 1.99%
(12 months) 		Excellent Credit

No annual membership fee
Low variable rate of 7.25%, 10.25%, or 13.25% (Prime + 4.00%, Prime + 7.00%, or Prime + 10.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00).
Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Online access to credit card account information Apply Now!
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
N/A N/A None 1.99%
(6 Billing Cycles) 		Good Credit

Excellent Credit Required - Applicants that do not have excellent credit will not be approved
Low 8.95% fixed standard purchase APR and platinum benefits
No balance transfer fee for balances transferred in response to this online offer
Travel Rewards - cardholders who enroll in the program receive one point per net dollar spent
Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions
Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants
No Annual Fee
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
N/A As Low As
8.95%* 		None N/A Excellent Credit

No annual membership fee
Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00).
Low Introductory ARP on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Earn 1 bonus point for every $1 in qualifying net retail purchases
Turn your points into hotel, gift, or experience rewards
Travel accident coverage up to $1,000,000
Online access to credit card account information
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
N/A N/A None (6 Billing Cycles) Excellent Credit

Annual First-Class companion certificate, which can be used for a First-Class or Coach-Class ticket!
Earn up to 10,000 Medallion(R) Qualification Miles (MQMs) after your first purchase
Built-in Miles BoostSM - earn up to 30,000 MQMs and 30,000 bonus miles
Complimentary Crown Room Club(R) access for you and two guests
Access to American Express(R) Concierge Services
Pay with Miles - pay for all or part of any Delta flight with your miles
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
N/A As Low As
14.50%* 		$450 N/A Excellent Credit

Earn up to $250 in travel rewards--1,000 Bonus miles every month you make a purchase for the first 25 months
Double Miles on every $1 you spend
0% intro APR on purchases and balance transfers for 6 months, then the variable standard purchase APR of 10.99% - 20.99%*
No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
Flexible redemption options like travel credits, merchandise, gift cards or cash
Travel Insurance benefits, including primary car rental, lost or damaged luggage, travel delay, and trip cancellation when you book with your Escape by Discover card
Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
*Click apply to view rates, fees, rewards, limitations and other important information
Intro APR Regular APR Annual Fee Bal. Transfer Credit Needed
0%*
(6 months*) 		As Low As
10.99%-20.99% (Variable)* 		$60 (YES) Excellent Credit

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