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Balance Transfer Credit Card Applications

  • APR:10.9% - 18.9% (V)
  • Annual Fees:$0
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Key Features: No Annual Fee card. - long 0% intro APR balance transfer until July 2015. - platinum benefits including $0 fraud liability and 24 hour roadside assistance.

Our #1 priority is finding Your Best Credit Card Applications!

Maximize credit card balance transfer savings by choosing wisely.

The right balance transfer credit cards can save you a lot of money, but the best balance transfer credit card for you will depend on your balance, spending habits, payment habits, and credit history. More...

 
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Capital One® Platinum Prestige Credit Card
Capital One® Platinum Prestige Credit Card

see credit card application

Key Features: No Annual Fee card. - long 0% intro APR balance transfer until July 2015. - platinum benefits including $0 fraud liability and 24 hour roadside assistance.


Intro Purchase Apr Regular Apr Ann.Fee
0% 10.9% - 18.9% (V) $0
Type: Low Interest, Balance Tra ...
Rank: #2 Low Interest , #2 Mas ...
Credit Needed:   Excellent/Good
  • Transfer a balance for 0% intro APR until July 2015
  • Get 0% intro APR on all purchases until July 2015
  • Enjoy no annual fee
  • Get peace of mind with fraud coverage if your card is lost or stolen
  • Enjoy extended warranty protection on eligible items purchased with your card
  • Fast and easy access, 24/7
  • Rent a car using your card and get collision, damage, and loss insurance
  • Feel secure with 24-hour roadside assistance
 
CCA In-House Review & more info
Discover it®
Discover it®

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Key Features: Long Intro APR on balance transfers (18 months). - competitive cash back rewards - excellent customer service. - no annual fee.


Intro Purchase Apr Regular Apr Ann.Fee
0% 10.99% - 22.99% Variable* $0
Type: Low Interest, Balance Tra ...
Rank: #1 Low Interest , #1 Bal ...
Credit Needed:   Excellent
  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you're never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • * Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.
 
CCA In-House Review & more info
Discover it®
Discover it®

see credit card application

Key Features: ZERO % APR for 14 months on purchases. - ZERO % APR for 14 months on balance transfers. - excellent customer service - no annual fee.


Intro Purchase Apr Regular Apr Ann.Fee
0% 10.99% - 22.99% Variable* $0
Type: Low Interest, Balance Tra ...
Rank: #1 Gas Cards, #2 Cash Ba ...
Credit Needed:   Excellent
  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you're never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • *Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.
 
CCA In-House Review & more info
Capital One® Quicksilver® Cash Rewards Credit Card
Capital One® Quicksilver® Cash Rewards Credit Card

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Key Features: Great rewards PLUS balance transfer - Easy to earn rewards - Our #1 ranked cash back card.


Intro Purchase Apr Regular Apr Ann.Fee
0% 12.9% - 22.9% (V) $0
Type: Low Interest, Balance Tra ...
Rank: #1 Cash Back , #2 Gas Ca ...
Credit Needed:   Excellent/Good
  • One-time $100 bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
  • Redeem the cash back you earn for any amount, any time
  • Your cash back doesn't expire
  • 0% intro APR on purchases and balance transfers until January 2015
  • No annual fee
 
CCA In-House Review & more info
Citi® Diamond Preferred® Card
Citi® Diamond Preferred® Card

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Key Features: LONG 18 months 0% apr - low fee on transfers - Citi® Price RewindCiti® Price Rewind low price feature - 24/7 concierge service.


Intro Purchase Apr Regular Apr Ann.Fee
0%* 11.99%-21.99%* (Variable) $0*
Type: Low Interest, Balance Tra ...
Rank: #3 Citi , #7 MasterCard, ...
Credit Needed:   Excellent
  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Easy DealsSM Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card.
  • Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*
 
CCA In-House Review & more info
Barclaycard® Ring MasterCard®
Barclaycard® Ring MasterCard®

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Key Features: No balance transfer fee - 8% variable apr on balance transfer - no annual fee.


Intro Purchase Apr Regular Apr Ann.Fee
N/A 8.00% (Variable) $0
Type: Low Interest, Balance Tra ...
Rank: #4 Barclaycard, #6 Credi ...
Credit Needed:   Excellent
  • No Balance Transfer Fees - start saving immediately!
  • A low 8% variable APR on balance transfers and purchases
  • No Annual Fees
  • Choose your card benefits and features
  • Get rewarded through the new Giveback™ program, where Barclaycard Ring members get money back for good performance
  • Get exclusive access to our online community and vote on the card features you like and view the financials of the Barclaycard Ring MasterCard online
  • Learn more about personal finance from Barclaycard and other members
  • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
 
CCA In-House Review & more info
Citi Simplicity® Card
Citi Simplicity® Card

see credit card application

Key Features: LONG 18 months a 0% on balance transfers - no annual fee, no late fees, no rate increases for late payment


Intro Purchase Apr Regular Apr Ann.Fee
0%* 12.99% - 21.99%* (Variable) $0*
Type: Low Interest, Balance Tra ...
Rank: #1 Citi , #8 Low Interes ...
Credit Needed:   Excellent
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - Ever
  • No penalty rate - Ever
  • No annual fee - Ever
  • Save time when you call with fast, personal help, 24 hours a day.
 
CCA In-House Review & more info
Barclaycard Arrival™ World MasterCard® - Earn 1x on All Purchases
Barclaycard Arrival™ World MasterCard® - Earn 1x on All Purchases

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
0% 14.99% or 18.99%* (Variable) $0
Type: Low Interest, Balance Tra ...
Rank: #2 Points Rewards , #2 B ...
Credit Needed:   Excellent
  • Start by earning 20,000 bonus miles when you make $1,000 or more in purchases in the first 90 days from account opening. 20,000 bonus miles equates to $200 off your next trip!
  • 0% intro APR on balance transfers and purchases for the first 12 months after account opening. After that, variable APR, currently 14.99% or 18.99%, based upon your creditworthiness.
  • Earn 2X miles on travel and dining purchases,1X miles on all other purchases, and no mileage caps or foreign transaction fees
  • Get 10% miles back when you redeem for travel (i.e. redeem 25,000 miles for travel and get 2,500 miles back)
  • Use miles for a statement credit toward any airline purchase to any destination with no seat restrictions and no blackout dates
  • Easily redeem your miles for statement credits toward flights, cruises, car rentals, hotels and more
  • Complimentary one year subscription of TripIt Pro mobile travel organizer – a $49 value
  • Complimentary FICO® Scores as a benefit to active card members. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
 
CCA In-House Review & more info
Barclaycard Arrival™ World MasterCard® - Earn 2x on All Purchases
Barclaycard Arrival™ World MasterCard® - Earn 2x on All Purchases

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
0% 14.99% or 18.99%* (Variable) $89 - Waived first year
Type: Low Interest, Balance Tra ...
Rank: #1 Reward , #1 Points Re ...
Credit Needed:   Excellent
  • Earn 40,000 bonus miles when you spend $3,000 or more on purchases in the first 90 days from account opening. 40,000 bonus miles equates to $400 off your next travel redemption!
  • 0% intro APR on purchases and balance transfers for the first 12 months after account opening. After that, variable APR, currently 14.99% or 18.99%, based upon your creditworthiness
  • Earn 2X miles on all purchases
  • No mileage caps or foreign transaction fees
  • Get 10% miles back when you redeem for travel statement credits (i.e. redeem 25,000 miles for travel and get 2,500 miles back)
  • Use your card to book through any airline, hotel or discount travel engine with no blackout dates or seat restrictions
  • Easily redeem your miles for statement credits towards all or a portion of your travel purchases within the last 90 days
  • Complimentary online FICO® Score access for Arrival cardmembers
 
CCA In-House Review & more info
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Before filling out any credit card application, take a moment to compare credit card offers in order to find your best credit card deals. Some of the important balance transfer card terms to consider are: the APR, the length of the introductory apr, the APR on new purchases, any balance transfer fees and conditions that might make your rate jump and the APR after the introductory period is over.

Here are some factors to consider before you choose a credit card offer or fill out a credit card application:

  • Balance Transfer APR. What is the Annual Percentage Rate of the balance you are going to transfer?
  • Balance transfer fee. Is there a fee on the balance you are going to transfer? Some cards have a zero balance transfer fees. Balance transfer fees of 3% or 4% are common.
  • APR on new purchases. What will the APR be on new purchases?
  • Length of term. How long will the introductory rate last? Recently, some card offer up to 18 months at 0% APR.
  • Changes in Rate. Check for terms that can cause your rate to jump. This could include being late on a payment or going over your credit limit.
  • Annual Fee. What annual fee, if any is involved?
  • Other perks. Many balance transfer credit cards have other perks. Do you want cash-back? Rewards points? Do you run a business that needs multiple cards for different employees or tools to track your spending? Before you fill out that credit card application for a balance transfer card with good terms, also ask if it meets your other needs.

Will doing a credit card balance transfer help me?

Balance transfers are most helpful if:

  • You are paying high rate(s) on your existing credit card(s).
  • The rate on your existing card(s) is about to increase.
  • You plan on making large purchases soon using a card with a high rate.

If the answer to any of the above questions is ‘yes’ then a balance transfer could help you. However, getting a balance transfer credit card does not necessarily mean you will save money. To be sure you will save money you need to use the card wisely and this means there are certain things you should and shouldn’t do.

Using Balance Transfer Credit Cards Successfully.

Balance transfer card are great if you follow these simple rules:

  • Pay them off (or make another transfer) before the rate increases
  • Don’t make any mistakes that will trigger a early rate increase.
  • Avoid getting hit with retroactive interest (more on this below)

Balance transfer Dos and Don’ts:

Things you should do:

  • Pay off or transfer the balance before the introductory period ends. Failure to do this and you may be hit with a big retro-active interest charge all the way back to when you opened the card.
  • Stay below your credit limit. Exceed this and the rate will probably go up.
  • Come up with a payment plan where you reduce the balance by paying more than the minimum every month.
  • Consider not carrying the card, so you won’t use it for new purchases.

Things to avoid:

  • Reaching the end of the introductory period without reducing your balance.
  • Excessive purchasing on your new card - this will make it hard to reduce the balance
  • Late/missed payments. Missing or being late on a payment usually triggers a rate increase.

Get maximum value from your balance transfer credit card:

These days, issuers are competing with one another for your business and they are offering better and better balance transfer offers. You can now expect top balance transfer offers to have a great rate, a long introductory period, plus other great features you may want.

Other features to look for in balance transfer offers:

  • Low APR on new purchases
  • Low fees, annual and otherwise
  • Good rewards (points, cash back, travel etc.)
  • Great service such as live on-shore customer service, roadside assistance, travel assistance
  • Liability from fraud

So demand more before you apply for a balance transfer!

Use the tools on CreditCardApplications.com to make a credit card comparison. Our credit card application search engine offers both a snapshot and a detail view. The search engine lets you enter up to 6 personalized criteria to find the credit card offers that best meet your needs. Just check the ‘balance transfer’ box and the boxes for the other features you and and we will instantly return to you a short list of your best balance transfer deals that also have other credit card features you have prioritized!

Once you have made a short list of the best credit cards for your needs, carefully fill out just a few credit card applications. Not only is filling out an application for a credit card you don’t want a waste of effort - it could adversely effect your credit report as well.

If you would like more information, see our Credit Card Tips and News page. You can find articles on:

Balance transfer news, advice and comparisons.

We have an entire page of Balance Transfer news, tips and reviews. Consider reading a few of these before you choose a balance transfer offer.

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