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.
1. Citi® Platinum Select® MasterCard®
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| Interest Rate: | 11.99% - 21.99%* (Variable)* |
|---|---|
| Intro Rate: | 0% Intro APR* |
| Grace Period: | 20 - 25 Days |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: 0% Intro APR for 21 Months on Balance Transfers*, and 0% Intro APR for 21 Months on Purchases*
Our Opinion: An attractive card if you have good or excellent credit. One of the best intro rates available--0% interest rate for 18 months for balance transfers and 0% for 18 months for purchases. No annual fee. Balance transfer fee is 3% ($5 minimum, no maximum). Cardholder benefits are average compared to other platinum cards and include auto rental insurance, fraud protection services, and retail protection insurance. (Not designed for applicants with average or poor credit).
2. Slate® from Chase - Limited Time: No Balance Transfer Fee
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| Interest Rate: | 11.99% - 21.99% (Variable)* |
|---|---|
| Intro Rate: | 12 months for purchases and balance transfers or 6 months balance transfers only |
| Grace Period: | 21 Days |
| Credit Limit: | n/app |
| Annual Fee: | None |
Special Offers: 0% Intro APR for the first 12 billing cycles for Elite and Premium Pricing on purchases and balance transfers. For standard pricing, 0% APR on balance transfers only for 6 months from the date of account opening.
Our Opinion: Transfer balances with high interest rates to the Slate® from Chase - Limited Time: No Balance Transfer Fee credit card and you won't have to pay any balance transfer fee when you transfer during the first thirty days of account opening. There is also a 0% Introductory APR for up to 12 months for balance transfers. With the Slate® from Chase - Limited Time: No Balance Transfer Fee credit card's zero liability, you are not held responsible for any unauthorized purchases and charges.
3. Discover® More Card - 18 Month Promotional Balance Transfer
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| Interest Rate: | 10.99% - 20.99% (V)** |
|---|---|
| Intro Rate: | 0% Intro APR* |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | n/app |
| Annual Fee: | None |
Special Offers: *0% APR on Purchases for 6 months and 0% APR on Balance Transfers for 18 months, then the variable purchase APR of 11.99% - 20.99%. See terms and conditions for complete details.
Our Opinion: Cash back credit card with 24-month balance transfer offer for consumers with good credit. Earn 5% cashback on purchases in rotating categories: gas, groceries, hotels, restaurants, travel, home improvement, etc. Earn up to 1% cash back on all other purchases (.25% Cashback bonus on every purchase you make until your yearly spending total reaches $3,000 dollars. After that, you'll earn 1% Cashback Bonus). No limit on the bonus that you can accrue. Redeem for cash, gift cards or merchandise.
4. Capital One® Platinum Prestige Credit Card
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| Interest Rate: | 10.9% - 18.9% (V)* |
|---|---|
| Intro Rate: | 0% Intro on Purchases and Balance Transfers Until May 2013 |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: 0% APR on Purchases and Balance Transfers Until May 2013.
Our Opinion: Created for those with excellent credit. No annual fee, low interest rate, and 0% APR on purchases and balance transfers. Benefits include warranties for purchases, auto rental insurance, and roadside assistance and travel accident insurance. No fee for international transactions. Good option for those who are transferring a balance from a higher rate. Click "Apply Now" to apply online or call 877-834-4206.
5. Citi® Diamond Preferred® Card
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| Interest Rate: | 11.99% - 21.99%* (Variable)* |
|---|---|
| Intro Rate: | 0% Intro APR* |
| Grace Period: | 20 - 25 Days |
| Credit Limit: | n/app |
| Annual Fee: | None |
Special Offers: *The introductory rate is available on balance transfers for 21 months and on purchases for 21 months.
Our Opinion: Created for those with good credit. One of the longest intro rates available for both purchases and balance transfers. No annual fee and a low interest rates. Balance transfer fee is 3% of transferred amount; $5 minimum.
6. Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back
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| Interest Rate: | 12.99% - 22.99%* (Variable)* |
|---|---|
| Intro Rate: | 0% Intro APR for 12 Months* |
| Grace Period: | 20 - 25 Days |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: 0% Intro APR for 12 months on Balance Transfers and Purchases*
Our Opinion: Created for those with good credit who want a cash rewards card. Earn $100 cash back bonus when you spend $500 or more within the first 3 months. 0% introductory APR for 12 monthly billing cycles for purchases and balance transfers!. 1% cash back on every purchase you make. Earn 5% cash back on categories that rotate each quarter. Earn 5 dividend dollars for every balance transfer you make over $1,500. Earn up to $300 Citi Dividend dollars per calendar year.
7. Citi ThankYou℠ Preferred Card - $100 Gift Card
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| Interest Rate: | 12.99% - 22.99%* (Variable)* |
|---|---|
| Intro Rate: | 0% Intro APR for 12 Months |
| Grace Period: | 20 - 25 Days |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: 0% Intro APR for 12 months on Purchases and Balance Transfers
Our Opinion: Created for those with very good credit. Earn 15,000 points after you spend $1,000 within your first 3 months. That?s enough for $150 in gift cards. Earn 5 ThankYou Points for every $1 spent on all purchases at gas stations, supermarkets and drugstores during the first 12 months and 1 point for every $1 spent thereafter. Earn unlimited ThankYou Points for everyday purchases. 3% fee for balance transfers.
8. Simmons First Visa Platinum
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| Interest Rate: | 7.25% Variable* |
|---|---|
| Intro Rate: | None |
| Grace Period: | 25 Days |
| Credit Limit: | N/A |
| Annual Fee: | None |
Special Offers: No transaction fee for balance transfers.
Our Opinion: You must have EXCELLENT credit to qualify or you will be rejected. This card also has a low cash advance rate. Benefits include travel insurance and auto rental insurance.
9. IberiaBank Visa® Gold Cash Back Rewards Card
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| Interest Rate: | 9.25%, 12.25%, or 15.25%** |
|---|---|
| Intro Rate: | 1.99% APR for 6 Months |
| Grace Period: | 25 Days |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: Low Introductory APR on balance transfers for your first 6 billing cycles. Applies to balance transfers processed within three months of the account open date.
Our Opinion: Created for those with very good credit who want a cash reward card. Earn 1% rebate per $1 spent. Earn unlimited rebates; rebates do not expire. Low interest rate for those qualify. Same low rate for cash advances. Benefits include travel accident insurance. Assigned Purchase and Cash Advance APR may vary depending on your creditworthiness and other factors.
10. Citi Simplicity® Card
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| Interest Rate: | 12.99% - 21.99% (Variable)* |
|---|---|
| Intro Rate: | 0% Interest for 21 Months |
| Grace Period: | 20 - 25 Days |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: 0% Introductory APR for 21 months on both purchases and balance transfers.
Our Opinion: 0% for 18 months on purchases and balance transfers. You will not be charged a late-payment fee for missing a due date and there is no penalty rate. 24/7 live customer service. 3% fee for foreign purchases and balance transfers.
