Credit Card Balance Transfer Cards
Credit-Card-Balance-Transfer.com can help you find the best balance transfer rates by allowing you to compare current balance rates, all in one place. After you have compared the cards in our selection, you are just a click away from applying for that card. At CCBT.com we do the work for you by collecting and organizing the most viable data to let you evaluate a wide range of cards, providing you with the opportunity to make an educated decision when choosing a credit card.
Read the Fine Print
We not only put the great introductory rates and bonus offers next to the cards we present, but we let you compare most of the viable fees and rates of each card (like late fees, over-limit fees, cash advance fees, etc.). This way, you don't have to spend so much time reading the fine-print of a variety of great looking offers, only to find the devil in the details after spending a considerable part of your time reading legals. However, once you chose a card, we advise you to DO read their fine print, for you will be using their services for some time to come.
Why Transfer Your Balance?
Many people are discovering how easy it is to lose their low rate if they fall behind on a payment on any of their credit card accounts. For having too many accounts or for overcharging any of their cards, customers can have their credit rating lowered. Since lenders regularly scan their clients' credit reports, re-evaluating their customers' credit worthiness, a simple late payment (even by one day) can cause to flag an account. By transferring your balance to a 0% balance transfer credit card, not only can you consolidate several accounts into a few, but you can choose a better rate in place of your previous one(s).
Balance Transfer Strategies
"Creditors are looking for late payments, collection accounts, too much available credit or a high credit utilization—maxing out cards—as a basis to raise interest rates," said CardWeb President Robert McKinley. By applying for a new balance transfer credit card, you can find out whether an issuer thinks your business is worth giving you a lower rate credit card. With 0% APR on certain balance transfers, you have a good chance of coming out ahead. Attempt to consolidate your credit card balances to only a few cards. With too many accounts open, you're destined to lose track of due dates, rate changes, and other important details.
Make your money worth More.SM*
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 4% (minimum $10)*
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 11.99%-20.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 5% (minimum $10)
Annual Fee: None
Returned Check Fee: Up to $35
Late Fee: Up to $35
Reward Program: 1-5% Cashback Bonus®
- 0% intro APR on balance transfers for 15 months, then the Regular APR
- 0% intro APR on purchases for 15 months, then the Regular APR
- 5% Cashback Bonus(R) in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
*View rates, fees, rewards and other important information.
Earn up to 5% cash back on everyday purchases - even gas!
APR for Balance Transfers: As low as Prime + 13.99% (Currently 17.24%)
Balance Transfer Fee: 3% (minimum $5)
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: 17.24%-21.24% Variable
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Returned Check Fee: $35.00
Late Fee: $35.00
Overlimit Fee: N/A
Reward Program: Up to 5% Cash Back
- Earn a $25 statement credit with $500 in eligible spending
- No annual fee, 0% intro APR on purchases for up to 12 months, flexibility to pay over time
- Earn up to 5% cash back on eligible purchases at supermarkets, gas stations, drugstores, and more
- No limit on the cash back you can earn
*See Terms, Conditions & Disclosures
Say good-bye to Travel Reward Restrictions!
APR for Balance Transfers: As low as Prime + 13.99% (Currently 17.24%)
Balance Transfer Fee: 3% (minimum $5)
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: 17.24%-21.24% Variable
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Returned Check Fee: $35.00
Late Fee: $35.00
Overlimit Fee: N/A
Reward Program: Travel Points
- No annual fee, 0% intro APR on purchases for up to 12 months, flexibility to pay over time
- Enjoy travel rewards with no restrictions or blackout dates - earn points redeemable for flights on any airline, stays at any hotel, and car rentals with any company
- Redeem travel rewards with as few as 7,500 points, good for a $100 statement credit on any travel purchase
- Feel secure with protection from fraudulent charges and extensions of manufacturer's warranties on eligible purchases
See Terms, Conditions & Disclosures
A Miles card with no annual fee!
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3% *
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 5% (minimum $10)
Annual Fee: None
Returned Check Fee: Up to $35
Late Fee: Up to $35
Reward Program: Air Miles
- 12, 000 Bonus Miles - Earn 1,000 Miles each month you make a purchase for your 1st year
- 1 Mile per $1 on every purchase
- Plus, 2 Miles on travel and restaurant purchases on your first $3,000 each year
- No limit on the Miles you earn and Miles don't expire*
- Fly on any airline, book any hotel or car, with no blackout dates
- Use Miles for travel, merchandise, gift cards or cash
- 0% intro APR on purchases and balance transfers for 6 months then the regular APR
- No Annual Fee, No Over limit Fee, No Redemption Fee
*View rates, fees, rewards and other important information.
Earn FREE NIGHTS and FREE FLIGHTS with the Starwood Preferred Guest® Credit Card!
APR for Balance Transfers: 2.90% (for 6 Months)
Balance Transfer Fee: None if submitted with this application
Intro APR for Purchases: 2.90% (for 6 Months)
Ongoing APR: 15.24% Variable
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $45, First Year Free
Returned Check Fee: $35.00
Late Fee: $35.00
Overlimit Fee: N/A
Reward Program: Starpoints
- Earn up to 25,000 Starpoints® — enough for up to 6 free nights at a category 1 or 2 hotel.
- Redeem Starpoints® for free nights at over 1,000 hotels and resorts in nearly 100 countries and for free flights on over 350 airlines - all with no blackout
- No annual fee for the first year and $65 thereafter.
- Stay 2 nights and get the 3rd night free at participating Sheraton® Hotels and Resorts worldwide.
- Earn 4 to 5 Starpoints for every dollar you spend at Starwood Preferred Guest Hotels and Resorts.
- Smarter Travel Editor's Choice Award for Best Travel Awards Card for Domestic Use.
See Card Terms and Conditions
5% Cashback Bonus®*!
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 4% *
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 11.99%-20.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 5% (minimum $10)
Annual Fee: None
Returned Check Fee: Up to $35
Late Fee: Up to $35
Reward Program: 1-5% Cashback Bonus®
- 0% intro APR on purchases and balance transfers for 6 months, then the Regular APR
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
*View rates, fees, rewards and other important information.
Earn Cash Back with the True Earnings® Card from Costco and American Express.
APR for Balance Transfers: 15.24
Balance Transfer Fee: 3% (minimum $5)
Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: 15.24% Variable
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Returned Check Fee: $35.00
Late Fee: $35.00
Overlimit Fee: N/A
Reward Program: Up to 3% Cash Back
- No annual fee for Costco members
- 0% intro APR on purchases for six months
- Earn cash back wherever you buy, including 3% for gasoline for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, and 1% virtually everywhere else
- Rated 4.5 out of 5 stars in Overall Satisfaction Rating, based on feedback from current TrueEarnings(R) Cardmembers from Costco and American Express
The New Elite Travel Card with Premium Rewards.
APR for Balance Transfers: 9.99% (for 12 Months)
Balance Transfer Fee: None if submitted with this application*
Ongoing APR: 14.50% Variable
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $450*
Returned Check Fee: $35.00
Late Fee: $35.00
Overlimit Fee: N/A
Reward Program: Miles + Travel Benefits
- Earn 10,000 Medallion® Qualification Miles (MQMs) with your first purchase, and Miles BoostsSM of up to 30,000 MQMs when you spend $60,000 in a calendar year
- Annual complimentary First-Class companion ticket with Card renewal
- Delta Sky Club™ access for you and your guests
- Check your first bag free on every Delta flight
- Rated 4 out of 5 stars in Overall Satisfaction Rating, based on feedback from current Delta Reserve Credit Cardmembers from American Express
*See web site for complete terms & conditions.
Zero worries. Zero hassles. Zero % balance transfers.
APR for Balance Transfers: 0.00% (for 6 Months)
Balance Transfer Fee: None
Ongoing APR: 8.00%
Cash Advance APR: 8.00%
Cash Advance Fee: None
Annual Fee: $50.00
Returned Check Fee: $29.00
Late Fee: $15-$35
Overlimit Fee: $35.00
High Velocity Savings! Best Credit Card Rates in the Country...
APR for Balance Transfers: 0.00% (for 6 Months)
Balance Transfer Fee: None
Ongoing APR: 6.50%
Cash Advance APR: 6.50%
Cash Advance Fee: None
Annual Fee: $35.00
Returned Check Fee: $29.00
Late Fee: $15-$35
Overlimit Fee: $35.00
Gold benefits, with a rich array of travel rewards.
Ongoing APR: N/A; Due in full each month
Annual Fee: $125.00
Late Fee: from $0 to the greater of $35 or 2.99%
Overlimit Fee: N/A
Reward Program: Membership Rewards® Points
- Earn 10,000 Membership Rewards® bonus points when you spend $500 in your first 3 months of Card membership - redeemable for select gift cards valued at $100!
- The Membership Rewards® program - Turn your everyday purchases into Membership Rewards® points, and then redeem them for an amazing collection of travel, shopping, dining and entertainment rewards.
- Gold Card Events - exclusive access to ticket for select concerts, shows, major sporting events, and more in cities nationwide.
- Express Approval. Get a decision in 60 seconds.
See card offer terms.
Your Chance to WIN!
Ongoing APR: As low as 14.99%*
Cash Advance APR: Prime + 25.99% (Currently 29.24%)
Minimum Cash Advance APR: 29.99%
Cash Advance Fee: 4% (minimum $15)*
Annual Fee: None
Late Fee: $39.00
Overlimit Fee: $39.00
Reward Program: Sweepstakes
- Earn entries from everyday shopping!*
- More entries mean more chances to win!
- Get 1,000 entries just for applying!
- Large Monthly Cash Jackpots!
- A New Winner Every Month!
*See web site terms and conditionsfor important rate, fee and other cost information, and limitations.