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.
Apply NOW!
APR for Balance Transfers: 0.00% (for 15 Months*)
Balance Transfer Fee: 3% (minimum $10)
Intro APR for Purchases: 0.00% (for 15 Months*)
Ongoing APR: 10.99-20.99%
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 15 months, then the variable APR of 10.99% - 20.99%*
- 5% Cashback Bonus(R) in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover
- Up to 1% unlimited Cashback Bonus on all other purchases
- $0 Fraud Liability plus automatic mobile and email fraud alerts
- No Annual Fee
*Click apply to view rates, fees, rewards, limitations 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%-22.24% 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 $100 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 3% cash back at supermarkets, 2% 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 $25 Referral Bonus for each friend or family member who is approved for the Card
- No annual fee, flexibility to pay over time
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%-22.24% 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
- 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(R): big deals on big brands, all the time.
- Get a decision in as little as 60 seconds.
See Terms, Conditions & Disclosures
A Miles card with no annual fee!
APR for Balance Transfers: 0.00% (for 12 Months*)
Balance Transfer Fee: 3% *
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: 10.99%-15.99%
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
- Earn 10,000 Bonus Miles with every $2,000 spent — 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% intro APR on balance transfers for 12 months, then the variable purchase APR of 10.99% - 15.99%*
- 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.
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
- American Express® Card and Costco Membership Card in one - with no annual fee for Costco members
- Cash back on the things you buy: 3% for the first $3,000 in annual gasoline purchases (1% thereafter), 2% for restaurants, 2% for travel, and 1% everywhere else, including Costco
- Rated 4.5 out of 5 stars in overall satisfaction by current TrueEarnings® Cardmembers from Costco and American Express
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
Earn FREE NIGHTS and FREE FLIGHTS with the Starwood Preferred Guest® Credit Card!
APR for Balance Transfers: 15.24-19.24% (for 6 Months)
Balance Transfer Fee: None if submitted with this application
Ongoing APR: 15.24-19.24% Variable
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $65, First Year Free
Returned Check Fee: $35.00
Late Fee: $35.00
Overlimit Fee: N/A
Reward Program: Starpoints
- 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
See Card Terms and Conditions
Gold benefits, with a rich array of travel rewards.
Ongoing APR: N/A; Due in full each month
Annual Fee: $0 for the first year, then $125
Late Fee: from $0 to the greater of $35 or 2.99%
Overlimit Fee: N/A
Reward Program: Membership Rewards® Points
- Exclusive access to Gold Card Events — select concerts, shows, major sporting events, and more.
- Purchase Protection* can protect eligible items for up to 90 days from the date of purchase if stolen or accidentally damaged. *Underwritten by AMEX Assurance Company
- Redeem Membership Rewards® points for an exclusive array of travel, shopping, dining and entertainment rewards.
- Introductory annual fee of $0 for the first year, then $125.
- Get a decision in as little as 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.
Equifax Credit Report™ and 3-in-1 Credit Report available - NEW Enhanced Layout!
Ongoing APR: N/A
Sign up now and have your FREE credit report delivered online in seconds!
Ongoing APR: N/A
- See who's been looking at your credit report
- Check for new derogatory information
- Verify newly opened accounts
- Watch for several indicators of possible credit fraud
- Helpful dispute tips
- Informative CreditCheck
- Newsletters
- Exclusive Members-Only benefits
- 24-hour toll-free customer service support
See Complete Terms & Conditions for details.