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 10.24%)
Cash Advance APR: Prime + 17.99% (Currently 21.24%)
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.
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 11.24%)
Cash Advance APR: Prime + 17.99% (Currently 21.24%)
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 19.24%)
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.
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 11.24%)
Cash Advance APR: Prime + 17.99% (Currently 21.24%)
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
Choose Your Sealife Card Design!
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: 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Reward Program: Up to 5% Cashback Bonus® Award on Gas Purchases
- 5% Cashback Bonus®* in categories that change like travel, home improvement stores, department stores, gas, groceries, restaurants and many more
- 5% to 20% Cashback Bonus® at top online retailers*
- Up to 1% Cashback Bonus®on all other purchases automatically
- Unlimited cash rewards*
- Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners*
- Easy online account options that put you in control
- Timely e-mail reminders to help you avoid fees
*View rates, fees, rewards and other important information.
Make your money worth More.SM*
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: 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Reward Program: 1-5% Cashback Bonus®
- 5% Cashback Bonus®* in categories that change like travel, home improvement stores, department stores, gas, groceries, restaurants and many more
- 5% to 20% Cashback Bonus® at top online retailers*
- Up to 1% Cashback Bonus®on all other purchases automatically
- Unlimited cash rewards*
- Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners*
- 0% Intro APR*
- Fraud specialists dedicated to helping you 24/7
- Timely e-mail reminders to help you avoid fees
*View rates, fees, rewards and other important information.
Choose from different Wildlife Card Designs!
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: 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Reward Program: 1-5% Cashback Bonus®
- Unlimited cash rewards*
- 5% to 20% Cashback Bonus® at top online retailers*
- Turn your Cashback Bonus® into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners*
- 0% Intro APR*
- Talk to a knowledgeable person in less than a minute
- $0 fraud liability guarantee
- Advanced fraud early warning alerts
- Secure online account numbers
- Fraud specialists dedicated to helping you 24/7
*View rates, fees, rewards and other important information.
Patriotic, American Flag Design!
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: 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Reward Program: 1-5% Cashback Bonus®
- 5% Cashback Bonus®* in categories that change like travel, home improvement stores, department stores, gas, groceries, restaurants and many more
- 5% to 20% Cashback Bonus® at top online retailers*
- Up to 1% Cashback Bonus®on all other purchases automatically
- Unlimited cash rewards*
- Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners
- 0% Intro APR*
*View rates, fees, rewards and other important information.
5% Cashback Bonus® on gas and auto maintenance purchases
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: 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Reward Program: Full 5% on Gas Purchases*
- 0% Intro APR*
- Save at the pump and everywhere else.*
- 5% Cashback Bonus® on your first $100 in gas and auto maintenance purchases each month - up to $1,200 in purchases each year
- 5% to 20% Cashback Bonus® at top online retailers*
- Up to 1% Cashback Bonus® on all other purchases
- Unlimited cash rewards*
- Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners
5% Cashback Bonus®*!
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: 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Reward Program: 1-5% Cashback Bonus®
- Unlimited cash rewards*
- 5% to 20% Cashback Bonus® at top online retailers*
- Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners*
- Talk to a knowledgeable person in less than a minute
- 0% Intro APR*
*View rates, fees, rewards and other important information.
Apply for a Credit Card with Less than Perfect Credit!
Ongoing APR: Low APR on purchases*
Cash Advance APR: See website
Cash Advance Fee: See website
Annual Fee: See website
Total Initial Charge: See website
Late Fee: See website
Overlimit Fee: See website