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.
0% APR for up to 12 months - Get Blue from American Express®
APR for Balance Transfers: 2.99% (for 12 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $99)
Intro APR for Purchases: 0.00% (for Up to 12 Months)
Ongoing APR: As low as Prime + 6.99% (Currently 10.99%)
Cash Advance APR: Prime + 17.99% (Currently 21.99%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Returned Check Fee: $38.00
Late Fee: $19-$38
Overlimit Fee: $35.00
Reward Program: Membership Rewards® Points
- 0% APR on purchases for up to 12 months
- No Annual Fee
- Low Balance Transfer APR — 2.99% Fixed APR for 12 months
- Earn points that can be redeemed for gift cards, travel, merchandise, and unique entertainment experiences.
- Membership Rewards Express® program
- Express Approval. Get a decision in less than 60 seconds.
Earn miles 25% faster than with regular miles cards!
APR for Balance Transfers: Variable 13.90%
Balance Transfer Fee: None
Intro APR for Purchases: 0.00% (for — until October 2009)
Ongoing APR: Variable 13.90%
Cash Advance APR: 22.90%
Cash Advance Fee: 3%, $10 minimum
Annual Fee: None
Returned Check Fee: $39.00
Late Fee: $15-$39
Overlimit Fee: $39.00
Reward Program: At least 1.25 miles/dollar on net purchases*
- Earn 25% more than regular mileage cards with 1.25 miles for each dollar spent on purchases
- There's no limit to the miles you can earn and your miles won't expire
- There are no blackout dates and no seat restrictions
- Save with a 0% intro APR on purchases until October 2009
- No annual fee
*See website for Disclosures.
A decision that's easy to make: FREE CASH!
APR for Balance Transfers: 0.00% (for 12 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $75)
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 9.99%)*
Cash Advance APR: from Prime + 15.99% (Currently 19.99%)
Cash Advance Fee: 3% (minimum $10)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Reward Program: Cash Back or Gift Card/Certificate
- Earn 1 point for every eligible $1 in purchases*
- 1,000 Bonus Points* with your first purchase
- Intro 0% Fixed APR for up to 12 months*
- No Annual Fee
- Get your rewards with as few as 2500 points
- Choose from either a $25 check or a $25 gift card/certificate
*See Pricing & Terms.
Your choice. Your chase.
APR for Balance Transfers: 0.00% (for 12 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $75)
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 9.99%)*
Cash Advance APR: Prime + 15.99% (Currently 19.99%)
Cash Advance Fee: 3% (minimum $10)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Reward Program: Bonus Points
- Earn 1 point for every dollar spent*
- Earn airline tickets, hotel stays or car rentals.
- 0% introductory APR* for up to 12 months
- The time period for the intro APR and balance transfers to which it will apply will be based on review of your application and credit history
- No Annual Fee
*See Pricing & Terms.
Earn up to 5% cash back on everyday purchases - even gas!
APR for Balance Transfers: 2.99% (for 12 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $99)
Intro APR for Purchases: 0.00% (for Up to 12 Months)
Ongoing APR: As low as Prime + 7.99% (Currently 11.99%)
Cash Advance APR: Prime + 17.99% (Currently 21.99%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Returned Check Fee: $38.00
Late Fee: $19-$38
Overlimit Fee: $35.00
Reward Program: Up to 5% Cash Back
- Up to 5% Cash Back with Unlimited Cash Rewards*
- Earn unlimited cash back
- 0% Intro APR for 12 months on purchases
- Low Balance Transfer rate - 2.99% fixed APR for 12 months
- No Annual Fee
- Express Approval. Get a decision in less than 60 seconds.
*See Terms, Conditions & Disclosures
Cash back on all purchases, all the time—double cash back on weekends.
APR for Balance Transfers: 0.00% (for 12 Months)
Balance Transfer Fee: 3% ($15 minimum) max. $99 during the Introductory Period*
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as 8.99%
Cash Advance APR: Prime + 15.99% (Currently 19.99%)
Cash Advance Fee: 3% (minimum $15)*
Annual Fee: None
Reward Program: 1-2% Unlimited Cash Back
- Earn a full 2% cash back on every single credit card purchase made on Saturdays and Sundays
- 1% cash back on every single credit card purchase made Monday through Friday
- Simple and straightforward: no earnings caps, spending requirements, tiers or point expiration
- Platinum benefits include unlimited purchase protection, extended warranties and rental car insurance
- 0% Introductory APR on balance transfers for 12 months*
- No annual fee
*See terms & conditions.
Get a variety of magical rewards no other card can match!
APR for Balance Transfers: 0.00% (for 12 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $50)
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 9.99%)*
Cash Advance APR: Prime + 15.99% (Currently 19.99%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $14-$34
Overlimit Fee: $29.00
Reward Program: Disney RewardsSM
- No Annual Fee
- 0% Intro APR for up to 12 months*
- No Block-out Dates
- Visa® Platinum Benefits
*See Pricing & Terms.
We'd like to peak your interest, not your interest rate.
APR for Balance Transfers: 0.00% (for Up to 12 Months*)
Balance Transfer Fee: 3% (minimum $5)
Intro APR for Purchases: 0.00% (for Up to 12 Months*)
Ongoing APR: As low as Prime + 3.49% (Currently 7.49%)
Cash Advance APR: Prime + 14.99% (Currently 18.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
- 0% APR* on balance transfers and purchases for up to 12 months
- No annual fee
- Citi® Identity Theft Solutions
- $0 Liability on unauthorized purchases
- Secure, free online account management
*See Terms and Conditions.
Say good-bye to Travel Reward Restrictions!
APR for Balance Transfers: 2.99% (for 12 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $99)
Intro APR for Purchases: 0.00% (for Up to 12 Months)
Ongoing APR: As low as Prime + 7.99% (Currently 11.99%)
Cash Advance APR: Prime + 17.99% (Currently 21.99%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Returned Check Fee: $38.00
Late Fee: $19-$38
Overlimit Fee: $35.00
Reward Program: Travel Points
- 0% Intro APR for up to 12 months on purchases
- Low Balance Transfer APR - 2.99% for 12 months
- Earn 1 point for every dollar you spend
- Points good on any airline, hotel, car rental and more.
- No blackout dates or travel restrictions
- Express Approval. Get a decision in less than 60 seconds.
See Terms, Conditions & Disclosures
Clear has absolutely no fees.
APR for Balance Transfers: Fixed 3.99% (for 12 Months)
Balance Transfer Fee: None
Intro APR for Purchases: 0.00% (for Up to 12 Months)
Ongoing APR: As low as Prime + 8.99% (Currently 12.99%)
Cash Advance APR: Prime + 17.99% (Currently 21.99%)
Cash Advance Fee: None
Annual Fee: None
Returned Check Fee: None
Late Fee: None
Overlimit Fee: None
Reward Program: Automatic Rewards
Apply now — it's in your best interest!
APR for Balance Transfers: 0.00% (for Up to 12 Months*)
Balance Transfer Fee: 3% (minimum $5)
Intro APR for Purchases: 0.00% (for Up to 12 Months*)
Ongoing APR: As low as Prime + 3.74% (Currently 7.74%)*
Cash Advance APR: Prime + 14.99% (Currently 18.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
- 0% APR* on balance transfers and purchases for up to 12 months
- No annual fee
- Citi® Identity Theft Solutions
- $0 Liability on unauthorized purchases
- Secure, free online account management
- Balance transfer fee applies with this offer
*See Terms and Conditions.
A full 1% back for every dollar you spend.
APR for Balance Transfers: 0.00% (for Up to 6 Months*)
Balance Transfer Fee: 3% (minimum $5; maximum $50)
Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 9.99%)*
Cash Advance APR: Prime + 14.74% (Currently 18.74%)
Cash Advance Fee: 3% (minimum $10)
Annual Fee: None
Late Fee: $15-$35
Overlimit Fee: $29.00
Reward Program: Rewards Points
- Earn one reward point for every dollar you spend.*
- 0% APR for up to 6 months and pay no annual fee.*
- No telemarketing calls.
- Zero unauthorized liability.
- Exclusive discounts for AARP Platinum Visa cardmembers.
- Automatic AARP Rewards Platinum Visa card benefits.
*See Pricing & Terms.