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. Each card below contains our editor’s rating and objective opinion. Most of the credit card offers shown below are from our advertising partners, however LowCards editors have reviewed each of the features and benefits of the cards below and sorted them in order of our editor’s opinion:
Best Card Features: Earn cash back TWICE. 1% when you buy plus 1% as you pay; 0% APR for 18 months on balance transfers
  • Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.74%– 25.74% based on your creditworthiness.
  • Regular APR
    15.74%– 25.74% (Variable)
  • Intro APR
    0% intro APR for 18 months on balance transfers
  • Annual Fee
    $0
  • cdm-card

    Good/Excellent Credit 725 - 799

Best Card Features: 1.5% cash back on all purchases; $150 bonus after spending $500 in first 3 months
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
  • Regular APR
    15.74% - 25.74% (Variable)
  • Intro APR
    0% intro on balance transfers for 15 months; 0% intro on purchases for 15 months
  • Annual Fee
    $0
  • cdm-card

    Good Credit 700 - 749

Best Card Features: 0% APR for 21 months on balance transfers and 12 months on purchases; no annual fee, late fee or penalty rate
  • No Late Fees, No Penalty Rate, and No Annual Fee… Ever
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.49% – 26.49%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.49% – 26.49%, based on your creditworthiness
  • Regular APR
    16.49% - 26.49%* (Variable)
  • Intro APR
    0%* for 21 months on Balance Transfers*; 0%* for 12 months on Purchases*
  • Annual Fee
    $0*
  • cdm-card

    Good/Excellent Credit 725 - 799

Best Card Features: No annual fee, no penalty APR; free FICO® Score
  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.74% – 24.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No annual fee
  • No penalty APR. Paying late won’t automatically raise your interest rate (APR). Other account pricing and terms apply
  • Regular APR
    14.74% - 24.74% Variable APR on purchases
  • Intro APR
    0% Introductory APR on purchases for 18 billing cycles; 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days
  • Annual Fee
    $0
  • cdm-card

    Excellent Credit 750- 850

Best Card Features: No annual fee; 3% cash back on dining & entertainment; 2% on groceries; $150 cash bonus after spending $500 in first 3 months
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn
  • Regular APR
    15.74% - 25.74% (Variable)
  • Intro APR
    0% intro on balance transfers for 15 months; 0% intro on purchases for 15 months
  • Annual Fee
    $0
  • cdm-card

    Excellent Credit 750- 850

Best Card Features: Only card to round up rewards to nearest 10 points; 15,000 bonus points after spending $1,000 in first 3 months
  • The Citi Rewards+℠ Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 15.24% – 25.24%, based on your creditworthiness.
  • Regular APR
    15.24% - 25.24% (Variable)
  • Intro APR
    0% for 15 months on Purchases and Balance Transfers
  • Annual Fee
    $0
  • cdm-card

    Good/Excellent Credit 725 - 799

Best Card Features: $200 bonus after spending $1,000 in first 90 days; no annual fee
  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • Regular APR
    15.74% - 25.74% Variable APR on purchases
  • Intro APR
    0% Introductory APR on purchases for 15 billing cycles; 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
  • Annual Fee
    $0
  • cdm-card

    Excellent Credit 750- 850

Best Card Features: No annual fee; $150 statement credit after spending $1,200 in first 90 days; 0% intro APR for 12 months
  • 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 14.90% – 24.90%, based
    on your creditworthiness
  • Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel,
    and automotive
  • Regular APR
    14.90% - 24.90% (variable)
  • Intro APR
    0% APR for 12 months on purchases and balance transfers
  • Annual Fee
    $0
  • cdm-card

    Excellent Credit 750- 850

Best Card Features: Bonus Points, Rewards Program
  • Get up to 40,000 bonus LifeMiles for a limited time! Earn 20,000 LifeMiles after your first purchase, plus earn an additional 20,000 LifeMiles after spending $1,000 on qualifying purchases within the first 90 days. Enter the promotional code SB4060 when completing your application in order to receive the additional 20,000 LifeMiles bonus offer.
  • Earn 2 LifeMiles per $1 spent on Avianca purchases
  • Earn 1 LifeMile per $1 spent on all other purchases
  • Regular APR
    14.99% - 27.99%, based on your creditworthiness
  • Intro APR
    0% introductory APR for the first 12 months. Applies to transfers made within the first 90 days from account opening. After that, your APR will be from 14.99% - 27.99%, based on your creditworthiness
  • Annual Fee
    $59
  • cdm-card

    Good/Excellent Credit 725 - 799

Best Card Features: Bonus Points, Rewards Program
  • Get up to 60,000 bonus LifeMiles for a limited time! Earn 40,000 LifeMiles after your first purchase, plus earn an additional 20,000 LifeMiles after spending $1,000 on qualifying purchases within the first 90 days. Enter the promotional code SB4060 when completing your application in order to receive the additional 20,000 LifeMiles bonus offer.
  • Earn 3 LifeMiles per $1 spent on Avianca purchases
  • Earn 2 LifeMiles per $1 spent at gas stations and grocery stores
  • Earn 1 LifeMile per $1 spent on all other purchases
  • Regular APR
    14.99% - 27.99%, based on your creditworthiness
  • Intro APR
    0% introductory APR for the first 12 months. Applies to transfers made within the first 90 days from account opening. After that, your APR will be from 14.99% - 27.99%, based on your creditworthiness
  • Annual Fee
    $149
  • cdm-card

    Good/Excellent Credit 725 - 799

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