Balance Transfer Credit Cards

Consumers can consolidate their credit card debt onto one card and sometimes save significant money on interest charges. These balance transfer cards have attractive introductory or promotional rates. Be sure to look at each card’s “More Info” page to become familiar with the card’s balance transfer fee and the interest rate charged on additional purchases. Our objective opinion is included on each card. The cards are sorted in order of our editor’s opinion.

1. Chase Slate®

Chase Slate® Apply Now See Details
Intro Rate: 0% Intro APR for 15 months
Interest Rate: 12.99%,17.99%, or 22.99 (V)
Annual Fee: $0

Credit Profile : Excellent

Editor Rating :

Best Card Features: 0% intro APR for 15 months plus no balance transfer fees within the first 60 days

2. Discover it® 18 Month Promo

Discover it® 18 Month Promo Apply Now See Details
Intro Rate: 0% Intro APR* on balance transfers for 18 months and 0% Intro APR* on purchases for 6 months
Interest Rate: 10.99%-22.99% Variable
Annual Fee: None

Credit Profile : Excellent

Editor Rating :

Best Card Features: Intro rate & balance transfer intro; Cash back opportunities

3. Discover it® chrome - 0% for 18 Months

Discover it® chrome - 0% for 18 Months Apply Now See Details
Intro Rate: 0% intro APR for 18 months on balance transfers; 0% intro APR for 6 months on purchases
Interest Rate: 10.99%-22.99% Variable
Annual Fee: $0

Credit Profile : Excellent

Editor Rating :

Best Card Features: Balance transfer intro APR

4. Citi Simplicity® Visa Card

Citi Simplicity® Visa Card Apply Now See Details
Intro Rate: 0%* on purchases and balance transfers for 18 months*
Interest Rate: 12.99-21.99% (V)
Annual Fee: $0*

Credit Profile : Excellent

Editor Rating :

Best Card Features: Introductory 0% APR on purchases AND balance transfers, no annual fee, no late fees.

5. Barclaycard® Ring MasterCard® - 1% Back on Balance Transfers

Barclaycard® Ring MasterCard® - 1% Back on Balance Transfers Apply Now See Details
Intro Rate: N/A
Interest Rate: 8.0% Variable
Annual Fee: $0

Credit Profile : Excellent

Editor Rating :

Best Card Features: No Annual Fee, Low APR

6. Citi ThankYou® Preferred Card - Earn Up To 20,000 Bonus Points

Citi ThankYou® Preferred Card - Earn Up To 20,000 Bonus Points Apply Now See Details
Intro Rate: 0% introductory offer for 12 months on purchases & balance transfers
Interest Rate: 12.99-22.99% Variable
Annual Fee: $0*

Credit Profile : Excellent

Editor Rating :

Best Card Features: Bonus sign up offer of up to 20,000 points

7. Citi® Diamond Preferred® Card (Visa)

Citi® Diamond Preferred® Card (Visa) Apply Now See Details
Intro Rate: 0% Intro APR for 18 months on purchases and balance transfers*
Interest Rate: 11.99%, 16.99%, or 21.99% Variable
Annual Fee: $0*

Credit Profile : Excellent

Editor Rating :

Best Card Features: Long 0% Intro Period on purchases and balance transfers

8. Citi Simplicity® MasterCard

Citi Simplicity® MasterCard Apply Now See Details
Intro Rate: 0% APR for 18 months on purchases and balance transfers
Interest Rate: 12.99-21.99% (V)
Annual Fee: $0*

Credit Profile : Excellent

Editor Rating :

Best Card Features: 0% introductory APR offer, no late fees, no penalty rate, no annual fee

9. Citi® Dividend Platinum Select® Visa® Card

Citi® Dividend Platinum Select® Visa® Card Apply Now See Details
Intro Rate: 0%* on purchases and balance transfers for 12 months*
Interest Rate: 12.99-22.99% (V)
Annual Fee: $0*

Credit Profile : Excellent

Editor Rating :

Best Card Features: 0% introductory APR offer, cash back on every purchase, no annual fee

10. Chase Freedom®

Chase Freedom® Apply Now See Details
Intro Rate: 0% for 15 Months
Interest Rate: 13.99%-22.99% Variable
Annual Fee: $0

Credit Profile : Excellent

Editor Rating :

Best Card Features: 15 month 0% intro APR plus $100 bonus after your first $500 in purchases within the first 3 months of cardmembership

11. The CarnivalTM MasterCard®

The CarnivalTM MasterCard® Apply Now See Details
Intro Rate: 0% APR on all purchases for the first 12 months
Interest Rate: 13.99%, 16.99% or 20.99%* Variable
Annual Fee: $0

Credit Profile : Excellent

Editor Rating :

Best Card Features: Bonus sign up points, Introductory APR

12. Barclaycard® Ring MasterCard®

Barclaycard® Ring MasterCard® Apply Now See Details
Intro Rate: None
Interest Rate: 8%(V)
Annual Fee: $0

Credit Profile : Excellent

Editor Rating :

Best Card Features: Very low APR; No balance transfer fees; No annual fees

13. Simmons First Visa Platinum

Simmons First Visa Platinum Apply Now See Details
Intro Rate: N/A
Interest Rate: 7.25% Variable
Annual Fee: No Annual Fee

Credit Profile : Excellent

Editor Rating :

Best Card Features: Low on-going APR, Travel Benefits

14. USAA World MasterCard®

USAA World MasterCard® Apply Now See Details
Intro Rate: None
Interest Rate: 9.90% - 25.90% Variable
Annual Fee: None

Credit Profile : Excellent

Editor Rating :

Best Card Features: No annual fee