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Advertiser Disclosure

Advertiser Disclosure: Some of the card offers that appear on this website are from companies which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The site does not review or include all companies or all available products.

Disclaimer: The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone. For a full list of our advertisers, see our disclosure page.

Opinions, analyses, reviews, or recommendations expressed here are the author’s alone, and have not been reviewed or endorsed by the issuer. We may be compensated through the issuer’s Affiliate Program. For a full list of our advertisers see our disclosure page.

What Are The Best Balance Transfer Credit Cards of 2018?

If you're a consumer or business carrying a sizable balance on your existing credit cards, the best balance transfer 0% intro APR credit card can be a good tool for reducing your interest and debt burden. In our study, we looked for options that would work best for cardholders looking to move their existing credit card balances. We evaluated cards based on their ability to ease your overall debt burden and reward you for making new purchases.

Best Balance Transfer Credit Cards of 2018

Note: Most banks won't allow you to transfer balances between their own cards. For example, if you have a balance on a card with Chase, you'll need to transfer your balance to a non-Chase card. That is why, for each category, we also suggest an alternative credit card from another bank.

Chase Slate®: No Balance Transfer Fee for 60 Days

Chase Slate®
This card is not available through ValuePenguin.

We recommend the Chase Slate® to most people looking for a balance transfer credit card. It has two features that, when combined, allow consumers to maximize their savings and efficiently reduce their credit card debt. First, the card provides a 0% introductory annual percentage rate on balance transfers and purchases. The 0% rate lasts 15 billing cycles. On its own, this wouldn't be a big deal—as a matter of fact, there are cards that have longer 0% interest periods. However, this card also waives the balance transfer fee when you transfer a balance during the first 60 days your account is open. To provide perspective, most cards—including other ones on this list—will charge between 3% and 5% for each transfer. Depending on how much debt you have, that fee alone can cost you hundreds of dollars. By skipping the transfer fee, the Chase Slate® allows you to put all your available funds toward your outstanding credit card debt.

The Chase Slate® has limited value after the promotional period ends. It has no rewards program or other bells and whistles that would make it useful for you in the long run. This is a problem that plagues most balance transfer cards. Therefore, if you're looking for a card you can use for years to come on purchases and balance transfers, we recommend you examine the other offers on our list.

Highlights

  • Get a 0% introductory APR for the first 15 months.
  • Pay a $0 introductory fee for balance transfers within the first 60 days of account opening.
  • Track your credit score for free.

Alternative: BankAmericard® Credit Card

BankAmericard® Credit Card

From a features perspective, the BankAmericard® Credit Card is almost identical to the Chase Slate®. Cardholders get a 0% APR for 15 months and pay no transfer fees as long as they transfer the balance within 60 days of account opening. There's no rewards program, which means this card isn't ideal for long-term use. The reason we moved the BankAmericard® Credit Card down as an alternative has to do with user satisfaction for both banks. Chase consistently ranked higher in J.D. Power's 2017 U.S. Retail Banking Satisfaction Study. In all regions of the study, Bank of America performed below average—sometimes coming in near the bottom. Therefore, if you have the choice, we recommend going with the Chase Slate®.

Citi® Diamond Preferred® Card: Longest 0% Intro APR Offer For Balance Transfers

If you anticipate it will take you more than 15 months to pay down your credit card debt, we recommend going with the Citi® Diamond Preferred® Card. This card has one of the longest 0% APR periods for balance transfers we've seen. Users get to skip interest payments for 21 months for balances transferred within the first 4 months of the account opening. That is half a year longer than what the Chase Slate® provides. Unfortunately, you will have to contend with a transfer fee. The Citi® Diamond Preferred® Card charges either $5 or 5% of the amount of each transfer, whichever is greater. It makes sense to contend with the fee if you need to take advantage of the longer 0% period. So if it will take you between 16 and 21 months to pay off your credit card debt, we recommend the Citi® Diamond Preferred® Card.

The Citi® Diamond Preferred® Card has a little bit more staying power, thanks to two other features. First, the card comes with Citi® Concierge. By dialing the number on the back of your card, you can get assistance with travel, dining, shopping and entertainment arrangements. You can think of a concierge as a personal assistant. Furthermore, Citi® Diamond Preferred® Card cardholders receive access to Citi® Private Pass®. This is a special website that allows you to book presale tickets to special events and concerts.

The Citi® Diamond Preferred® Card is only marginally more useful in the long term than the Chase Slate®. Like many other balance transfer credit cards, it has no rewards. However, the features we discussed above do help offset this drawback.

Highlights

  • Enjoy one of the longest 0% APR periods for balance transfers, 21 months.
  • Access the Citi® Concierge.
  • Use the Citi® Private Pass®.

Alternative: HSBC Gold Mastercard®

HSBC Gold Mastercard®
This card is not available through ValuePenguin.

The HSBC Gold Mastercard® is another solid credit card with an extremely long 0% APR period. Cardholders can go interest-free for 18 months from account opening. That applies to both purchases and balance transfers. The transfer fee is on the higher end, though. You'll pay either $10 or 4% of the amount transferred, whichever is greater. Still, if you're taking full advantage of those 18 months of no interest, you'll likely save much more than you pay toward that fee. The HSBC Gold Mastercard® also has a competitive interest rate after the 0% period runs out. The card has a 12.49%, 16.49% or 20.49% Variable. While the latter two are a little bit above average, the 12.49% rate is quite low. Therefore, if you have to carry debt in the future, this is the way to go. As you might have guessed, the HSBC Gold Mastercard® has no rewards. Therefore, if you finish paying off your debt, it might be a good idea to swap this card out for the HSBC Cash Rewards Mastercard®.

Best Balance Transfer Credit Card with Rewards: Discover it® Balance Transfer

The Discover it® Balance Transfer has the right mix of solid balance transfer terms and a great rewards program. As you might have guessed from its name, cardholders get a 0% APR on balance transfers for 18 months. You must also pay a 3% fee with each transfer. These are very good terms by most standards, and only the Citi® Diamond Preferred® Card comes with a longer 0% promotional period. However, the purchase APR is a bit of a drag. You'll get a 0% APR on purchases for just six months. But this is a relatively minor downside for those who are exclusively interested in balance transfers. On the rewards side, this is one of our favorite cash-back credit cards. Users get 5% cash back on up to $1,500 in purchases each time they activate. This rewards rate applies to categories that change every quarter.

A downside to any Discover credit card is its network. These cards are not as widely accepted as Visa or Mastercard. Therefore, you should always keep a Visa or Mastercard debit or credit card just in case a merchant doesn't accept Discover cards.

Highlights

  • Enjoy a 0% intro APR for six months on purchases and for 18 months on balance transfers.
  • Earn 5% cash back at different places each quarter like gas stations, wholesale clubs, grocery stores, restaurants or Amazon.com, up to the quarterly maximum each time you activate.
  • Discover matches all the cash back you've earned at the end of your first year.
  • Discover it® Balance Transfer Review

Alternative: Citi® Double Cash Credit Card

Citi® Double Cash Credit Card
This card is not available through ValuePenguin.

The Citi® Double Cash Credit Card is one of the top cash-back credit cards available, but it can be an amazing balance transfer card as well. Cardholders get a 0% introductory APR for 18 months on balance transfers; after that cardholders get an APR of 14.99% - 24.99% Variable. This card's introductory APR period rivals many of the other cards on our list. Unfortunately, since this is not primarily a balance transfer card, there is one major downside. The Citi® Double Cash Credit Card is the only card on our list to not have a 0% interest rate on purchases (for any amount of time). This provides less flexibility for people on a tight budget.

On the cash-back end, this card is among the best. Users get 1% cash back whenever they use this card to make a purchase, and then another 1% back when that purchase is paid off. That effectively translates to a 2% cash-back rate with no bonus categories to worry about. You'll simply swipe and earn rewards. This combination of great value and simplicity is what makes the Citi® Double Cash Credit Card one of our favorites.

Best Business Balance Transfer Card: Ink Business Cash℠ Credit Card

The Ink Business Cash℠ Credit Card is both a great balance transfer credit card and rewards card. It's one of the few business cards that offers an introductory 0% APR on balance transfers—a full year. After the introductory period, the card offers a variable APR, and it's very reasonable—especially if you qualify for the minimum rate.

If your small business is carrying a balance on its existing credit card, then you might consider taking advantage of the Ink Business Cash℠ Credit Card to help manage and reduce your interest payments. The 0% introductory APR will mitigate the costs of your existing debt, and if the cash-back rates are better than your current card, the rewards will help you save on additional expenses. Best of all, the Ink Business Cash℠ Credit Card has no annual fee, which makes it a very cost-effective option to consider.

Unlike other balance transfer cards on our list, the Ink Business Cash℠ Credit Card is also a rewards credit card, which makes it an excellent card to keep around in the long term. Businesses will enjoy earning 5% cash back on office-related expenses, up to $25,000 per year; 2% cash back at gas stations and restaurants, up to $25,000 per year; and 1% cash back on all other purchases.

Highlights

  • 0% introductory APR for 12 months.
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellphone, landline, internet and cable services each account anniversary year, plus get 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
  • Ink Business Cash℠ Credit Card Review

Alternative: Blue Business℠ Plus Credit Card

The Blue Business℠ Plus Credit Card is a another balance transfer business card we highly recommend. The card offers a 0% introductory APR on purchases and balance transfers for 15 months. After that, your APR will be 12.99% - 20.99% Variable, based on your creditworthiness. Before getting this card, however, you should make sure all your vendors accept American Express cards. They are not as widely accepted as Mastercard or Visa. This card shines for businesses that spend less than $50,000 per year. You'll earn 2 points per dollar spent on all purchases below that threshold. Any purchases you make above $50,000 will give you just 1 point per dollar. At 1 cent per point, your rewards rate is a solid 2% for as long as you stay below $50,000 in annual purchases. That matches some of the top rewards cards and is very good for a card with no annual fee.

How Do the Best Cards Compare?

The best way of selecting a balance transfer credit card is to fit it to your specific financial situation. Using our tool below, you can enter your current amount of debt, estimated monthly payments and current interest rate, and our tool will figure out which credit cards will provide you with the best value, ranking them from highest to lowest value. If you would like to know more about some of the top cards, look to our picks below.

Current Interest Rate:
Current APR (%):
Current Balance ($)
Monthly Payments ($)
Card APR Balance Transfer Fee Intro Balance Transfer Offer Interest Savings

ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees.

The estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Capital One® Quicksilver® Card
14.49% - 24.49% (Variable) 3% 0% intro on balance transfers for 15 months $0.00
Graph Card Read Review More Details and Value Calculation

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
Capital One® Quicksilver® Card 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the Capital One® Quicksilver® Card assumes an interest rate of 0.00%

Annual Fee $0
APR 14.49% - 24.49% (Variable)

Card Details

  • 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
  • 0% intro APR on purchases for 15 months; 14.49%-24.49% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.49%-24.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Chase Freedom Unlimited®
16.49% - 25.24% Variable Either $5 or 5% of the amount of each transfer, whichever is greater 0% Intro APR on Balance Transfers for 15 months $0.00
Graph Card Read Review More Details and Value Calculation

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
Chase Freedom Unlimited® 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the Chase Freedom Unlimited® assumes an interest rate of 0.00%

Annual Fee $0
APR 16.49% - 25.24% Variable

Card Details

  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49-25.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
TRIO℠ Credit Card
14.24% to 23.24% Variable 4% or $5 whichever is greater. 0% Intro on Balance Transfers for 12 months. $0.00
Graph Card Read Review More Details and Value Calculation

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
TRIO℠ Credit Card 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the TRIO℠ Credit Card assumes an interest rate of 0.00%

Annual Fee No Annual Fee
APR 14.24% to 23.24% Variable

Card Details

  • 3% cash back rewards at restaurants and 2% cash back rewards on gas and at grocery and drug stores, up to $1,500 spend per quarter in these combined purchase categories
  • 1% unlimited cash back rewards on all other purchases
U.S. Bank Cash 365™ American Express® Card
14.74% - 23.74% Variable 3% or $5 whichever is greater. 0% Intro on Balance Transfers for 12 months. $0.00
Graph Card Read Review More Details and Value Calculation

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
U.S. Bank Cash 365™ American Express® Card 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the U.S. Bank Cash 365™ American Express® Card assumes an interest rate of 0.00%

Annual Fee No Annual Fee
APR 14.74% - 23.74% Variable

Card Details

  • Earn unlimited 1.5% cash back on eligible net purchases
  • New cardmember bonus: $100 after you spend $500 in eligible net purchases in the first 90 days you have the card
  • 0% Intro APR on balance transfers for 12 billing cycles. After that, a variable APR currently 14.74% - 23.74%
  • Unlimited cash back
  • Cash back never expires
  • No annual fee
  • Great Offer for Customers of U.S. Bank, a 2017 World's Most Ethical Company® - Ethisphere Institute, March 2017
The Choice Privileges® Visa® Card
16.24%, 20.99% or 25.99% Variable 3% or $5 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
Graph Card Read Review More Details and Value Calculation

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
The Choice Privileges® Visa® Card 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the The Choice Privileges® Visa® Card assumes an interest rate of 0.00%

Annual Fee No Annual Fee
APR 16.24%, 20.99% or 25.99% Variable

Card Details

  • Earn 8,000 bonus points after your first purchase
  • Earn 24,000 bonus points after your first paid stay at any Choice Privileges location
  • 15 points for every $1 spent at Choice Privileges locations
  • 5 points for every $1 spent on additional Choice Privileges points or Choice Hotel gift card purchases
  • 2 points for every $1 spent otherwise
  • Cardmembers automatically get Elite Gold status
  • Book award and free nights twenty days before other members
  • 10% point bonus on points earned for eligible stays at Choice Privileges locations
  • Redeem points for reward nights at over 1,500 hotel locations, gift cards for a variety of merchants, donations, and memberships
ThankYou® Preferred Credit Card
12.99%, 17.99% or 22.99% Variable 3% or $5 whichever is greater. 0% Intro on Balance Transfers for 12 months. $0.00
Graph Card Read Review More Details and Value Calculation

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
ThankYou® Preferred Credit Card 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the ThankYou® Preferred Credit Card assumes an interest rate of 0.00%

Annual Fee No Annual Fee
APR 12.99%, 17.99% or 22.99% Variable

Card Details

  • Earn 2 ThankYou points per dollar on purchases for dining at restaurants and entertainment
  • Earn 1 ThankYou point per dollar on other purchases
  • Points don't expire
  • $0 liability if your card is stolen
  • Citi Private Pass
  • Chip technology makes global travel easy
  • Rental insurance
  • Lost luggage coverage
  • Travel insurance
Hawaiian Airlines® World Elite Mastercard®
16.99%, 20.99% or 25.99% Variable 3% or $5 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
Graph Card Read Review More Details and Value Calculation

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
Hawaiian Airlines® World Elite Mastercard® 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the Hawaiian Airlines® World Elite Mastercard® assumes an interest rate of 0.00%

Annual Fee $89
APR 16.99%, 20.99% or 25.99% Variable

Card Details

  • Earn 35,000 bonus miles when you spend $1,000 on purchases in the first 90 days
  • Earn 2 miles for every $1 spent on Haiwaiian Airlines
  • Earn $1 for every $1 spent on all other purchases
  • Primary cardholder is eligible to earn a $100 discount off one coach companion ticket for roundtrip travel between Hawaii and North America on Hawaiian Airlines on each account anniversary upon payment of annual fee
  • Receive a one-time 50% Off companion discount for roundtrip coach travel between Hawaii and North America on Hawaiian Airlines
  • As a primary cardholder, receive a complimentary first checked bag every time you use your card to purchase eligible tickets directly from Hawaiian Airlines
  • No foreign transaction fees
Discover it® Balance Transfer
13.49% - 24.49% Variable 3% 0% $0.00
Graph Card Read Review More Details and Value Calculation

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
Discover it® Balance Transfer 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the Discover it® Balance Transfer assumes an interest rate of 0.00%

Annual Fee $0
APR 13.49% - 24.49% Variable

Card Details

  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Allegiant World Mastercard®
14.24% - 24.24% Variable 3% or $10 whichever is greater. 0% Intro on Balance Transfers for 12 months. $0.00
Graph Card More Details and Value Calculation

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
Allegiant World Mastercard® 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the Allegiant World Mastercard® assumes an interest rate of 0.00%

Annual Fee $59
APR 14.24% - 24.24% Variable

Card Details

  • Earn 3 points per $1 on Allegiant purchases, 2 points per $1 on qualifying dining purchases and 1 point per $1 on all other purchases
  • Earn 15,000 Bonus Points – equal to $150 off your next Allegiant trip, after you make $1,000 or more in purchases within the first 90 days of account opening
  • Buy one, get one free airfare - anytime you use your card to purchase a vacation package from Allegiant with four or more hotel nights or seven or more rental car days on the same itinerary
  • No blackout dates, no destination restrictions, and no minimum points redemption
  • Complimentary priority boarding and one free beverage every time you fly Allegiant when you show your Allegiant credit card
Chase Freedom®
16.49% - 25.24% Variable Either $5 or 5% of the amount of each transfer, whichever is greater 0% Intro APR on Balance Transfers for 15 months $0.00
Graph Card Read Review More Details and Value Calculation

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
Chase Freedom® 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the Chase Freedom® assumes an interest rate of 0.00%

Annual Fee $0
APR 16.49% - 25.24% Variable

Card Details

  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49-25.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
Priceline Rewards™ Visa Card
14.99%, 19.99% or 24.99% Variable 3% or $5 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
Graph Card Read Review More Details and Value Calculation

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
Priceline Rewards™ Visa Card 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the Priceline Rewards™ Visa Card assumes an interest rate of 0.00%

Annual Fee No Annual Fee
APR 14.99%, 19.99% or 24.99% Variable

Card Details

  • 5 points for every $1 spent on priceline.com purchases
  • 1 point for every $1 spent otherwise
  • Redeem points for statement credits against purchases made on the Priceline credit card: can be used to pay for flights, hotel stays, car rentals, gift cards, or any other purchase on the card
  • Reward redemptions begin at $25
  • Get 10% points back every time you redeem points for statement credits toward eligible priceline.com or travel purchases of $25 or more made in the last 120 days
Carnival World™ MasterCard®
15.49%, 20.49% or 25.49% Variable 3% or $5 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
Graph Card Read Review More Details and Value Calculation

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
Carnival World™ MasterCard® 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the Carnival World™ MasterCard® assumes an interest rate of 0.00%

Annual Fee No Annual Fee
APR 15.49%, 20.49% or 25.49% Variable

Card Details

  • Earn 10,000 Bonus FunPoints® when you use your card for the first time
  • 2 FunPoints for every $1 spent on all Carnival Cruise Line purchases
  • 1 FunPoint for every $1 spent otherwise
  • Redeem FunPoints towards cruise nights, Sail & Sign purchases onboard, spa or massage packages
  • FunPoints can be redeemed toward nights on Carnival, Princess Cruises, Holland America Line, Costa Cruises, and the Yachts of Seabourn
Holland American Line Rewards Visa Card
13.99%, 16.99% or 20.99% Variable 3% or $5 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
Graph Card More Details and Value Calculation

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
Holland American Line Rewards Visa Card 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the Holland American Line Rewards Visa Card assumes an interest rate of 0.00%

Annual Fee No Annual Fee
APR 13.99%, 16.99% or 20.99% Variable

Card Details

  • Earn 5,000 points upon first purchase
  • 2 points for every $1 spent on all Holland American purchases
  • 1 point for every $1 spent otherwise
  • Redeem rewards towards discounted, reduced, and free cruise redemptions
  • Visa Signature rewards include access to exclusive events and special offers, travel and emergency assistance, travel accident insurance, roadside dispatch, lost luggage reimbursements, and auto rental collision damage waiver
Premier Miles & More® World Mastercard®
15.99% or 24.99% Variable 3% or $5 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
Graph Card Read Review More Details and Value Calculation

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
Premier Miles & More® World Mastercard® 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the Premier Miles & More® World Mastercard® assumes an interest rate of 0.00%

Annual Fee $79
APR 15.99% or 24.99% Variable

Card Details

  • Earn 20,000 award miles with first purchase or balance transfer
  • Annual Companion Ticket after first purchase, and annually thereafter
  • 2 miles for every $1 spent on Miles and More integrated airlines
  • 1 mile for every $1 spent otherwise
  • Redeem miles for flight awards and upgrades on Lufthansa, Austrian Airlines, Brussels Airlines, SWISS, and Star Alliance airlines and other partners
  • Complimentary Companion ticket after first purchase, then every year after
  • $79 Annual Fee waived for Senator and HON Circle Members
  • No foreign transaction fee
The Wyndham Rewards® Visa Signature® Card
16.24%, 20.99% or 25.99% Variable 3% or $5 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
Graph Card Read Review More Details and Value Calculation

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
The Wyndham Rewards® Visa Signature® Card 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the The Wyndham Rewards® Visa Signature® Card assumes an interest rate of 0.00%

Annual Fee No Annual Fee
APR 16.24%, 20.99% or 25.99% Variable

Card Details

  • Earn 12,000 bonus points with first purchase
  • 5 points per $1 spent on participating hotels
  • 2 points per $1 spent everywhere else
  • Redeem points for free nights, gift cards, magazines, newspapers, donations, merchandise, Wyndham maintenance fees, car rentals, flights, and more
National Geographic Platinum Edition® Visa®
15.99% - 22.99% Variable 5% or $10 whichever is greater. 0% Intro on Balance Transfers for 6 months. $0.00
Graph Card Read Review More Details and Value Calculation

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
National Geographic Platinum Edition® Visa® 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the National Geographic Platinum Edition® Visa® assumes an interest rate of 0.00%

Annual Fee No Annual Fee
APR 15.99% - 22.99% Variable

Card Details

  • Receive 5,000 bonus points after you spend $1,500 in the first 3 billing cycles
  • 2 points per $1 spent on purchases made through National Geographic
  • 1 point per $1 spent eveywhere else
  • 12 digital issues of National Geographic magazine plus online archive
  • 20% off qualifying purchases through the National Geographic catalog and online store
  • $250 off Nat Geo Expeditions and Adventure trips
Princess Cruises Rewards Visa Card
13.99%, 16.99% or 20.99% Variable 3% or $5 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
Graph Card More Details and Value Calculation

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
Princess Cruises Rewards Visa Card 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the Princess Cruises Rewards Visa Card assumes an interest rate of 0.00%

Annual Fee No Annual Fee
APR 13.99%, 16.99% or 20.99% Variable

Card Details

  • Earn 5,000 Bonus Princess Points after your make your first purchase
  • 2 points for every $1 spent on Princess Cruises purchases
  • 1 point for every $1 spent otherwise
  • Redeem rewards towards discounted, reduced, and even free cruise redemptions
  • Points can also be redeemed for special occasions, spa experiences, onboard credits, Princess merchandise, and airfare discounts
RCI® Elite Rewards® MasterCard®
13.99% or 24.99% Variable 3% or $5 whichever is greater. 0% Intro on Balance Transfers for 12 months. $0.00
Graph Card More Details and Value Calculation

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
RCI® Elite Rewards® MasterCard® 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the RCI® Elite Rewards® MasterCard® assumes an interest rate of 0.00%

Annual Fee No Annual Fee
APR 13.99% or 24.99% Variable

Card Details

  • Earn up to 2,500 bonus rewards after your first purchase
  • 2 points for every $1 spent on RCI purchases
  • 1 point for every $1 spent otherwise
  • Redeem rewards toward membership renewals, exchange fees, worldwide travel (flights, car rentals, hotels, etc.), merchandise, gift cards, and RCI Resort Dollars cards
Miles & More® World Elite Mastercard®
Image of Miles & More® World Elite Mastercard® 16.99% or 25.99% Variable 3% or $5 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
Graph Card More Details and Value Calculation

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
Miles & More® World Elite Mastercard® 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the Miles & More® World Elite Mastercard® assumes an interest rate of 0.00%

Annual Fee $89
APR 16.99% or 25.99% Variable

Card Details

  • 50,000 award miles after qualifying transactions
  • 1 mile for every $1 spent
  • Free Companion Ticket (economy class) upon the first use of the new Lufthansa World MasterCard, and on the anniversary of your account opening
  • Redeem miles for flight awards and upgrades on Lufthansa, Austrian Airlines, Brussels Airlines, SWISS, Star Alliance airlines and other partners
US Bank Visa® Platinum Card
10.74% - 22.74% Variable 3% or $5 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
Graph Card Read Review More Details and Value Calculation

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
US Bank Visa® Platinum Card 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the US Bank Visa® Platinum Card assumes an interest rate of 0.00%

Annual Fee No Annual Fee
APR 10.74% - 22.74% Variable

Card Details

  • 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 11.24% - 23.24%
  • Great Offer for Customers of U.S. Bank, a 2017 World's Most Ethical Company® - Ethisphere Institute, March 2017
  • No Annual Fee
  • Flexibility to choose a payment due date that fits your schedule
  • Fraud Protection: receive notifications of unusual activity, plus zero fraud liability for fraudulent charges
  • Cell Phone Protection
BankAmericard® Better Balance Rewards
11.99% - 21.99% Variable 3% or $10 whichever is greater. 0% Intro on Balance Transfers for 12 months. $0.00
Graph Card Read Review More Details and Value Calculation

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
BankAmericard® Better Balance Rewards 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the BankAmericard® Better Balance Rewards assumes an interest rate of 0.00%

Annual Fee No Annual Fee
APR 11.99% - 21.99% Variable

Card Details

  • Earn $25 per quarter to pay down your balance faster when you pay more than the monthly minimum on time each month–that can be up to $100 each year
  • No annual fee
  • 0% Intro APR on purchases and balance transfers for 12 billing cycles
BankAmericard® Credit Card
Image of BankAmericard® Credit Card 10.99% to 20.99% Variable 3% or $10 whichever is greater. 0% Intro on Balance Transfers for 18 months. $0.00
Graph Card More Details and Value Calculation

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
BankAmericard® Credit Card 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the BankAmericard® Credit Card assumes an interest rate of 0.00%

Annual Fee No Annual Fee
APR 10.99% to 20.99% Variable

Card Details

  • No annual fee
  • $0 balance transfer fee for transfers made within the first 60 days
Wells Fargo Platinum Visa® Card
16.65%-26.49% (Variable) 3% Intro for 18 months, then 5% 0% for 18 months $0.00
Graph Card More Details and Value Calculation

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
Wells Fargo Platinum Visa® Card 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the Wells Fargo Platinum Visa® Card assumes an interest rate of 0.00%

Annual Fee $0
APR 16.65%-26.49% (Variable)

Card Details

  • 0% Intro APR for 18 months on purchases and balance transfers, then a 16.65%-26.49% variable APR; balance transfer fees apply
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa® Card
  • Free access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
Citi Simplicity® Card - No Late Fees Ever
15.24% - 25.24% Variable 5% or $5 whichever is greater. 0% Intro on Balance Transfers for 18 months. $0.00
Graph Card Read Review More Details and Value Calculation

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
Citi Simplicity® Card - No Late Fees Ever 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the Citi Simplicity® Card - No Late Fees Ever assumes an interest rate of 0.00%

Annual Fee No Annual Fee
APR 15.24% - 25.24% Variable

Card Details

  • Balance transfer either $5 or 5% of the amt of each transfer, whichever is greater
  • Auto rental insurance
  • Citi Identity Theft Solutions
  • $0 fraud liability if card is stolen
  • Rental car insurance
  • Travel insurance
  • Purchase protection
Citi® Diamond Preferred® Card
14.24% to 24.24% Variable 3% or $5 whichever is greater. 0% Intro on Balance Transfers for 21 months. $0.00
Graph Card Read Review More Details and Value Calculation

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
Citi® Diamond Preferred® Card 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the Citi® Diamond Preferred® Card assumes an interest rate of 0.00%

Annual Fee No Annual Fee
APR 14.24% to 24.24% Variable

Card Details

  • 24/7 access to personalized concierge service
  • Special access to ticket presales, preferred seating
  • Balance transfer either $5 or 3% of the amt of each transfer, whichever is greater
  • $0 fraud liability if card is stolen
  • Special cardholder access to a variety of ticket presales
  • Rental car insurance
  • Travel insurance
  • Purchase protection
Truly Simple Credit Card
12.74% - 23.74% Variable 4% or $10 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
Graph Card More Details and Value Calculation

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
Truly Simple Credit Card 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the Truly Simple Credit Card assumes an interest rate of 0.00%

Annual Fee No Annual Fee
APR 12.74% - 23.74% Variable

Card Details

  • No Annual Fee
  • No Penalty Rate (APR) for a missed payment
  • Low 0% introductory APR for the first 15 billing cycles after the account is opened on purchases and balance transfers. After that, your variable APR will be 12.74% to 23.74% based on your creditworthiness
KeyBank Latitude Credit Card
Image of KeyBank Latitude Credit Card 10.74% - 20.74% Variable 4% or $10 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
Graph Card More Details and Value Calculation

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
KeyBank Latitude Credit Card 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the KeyBank Latitude Credit Card assumes an interest rate of 0.00%

Annual Fee No Annual Fee
APR 10.74% - 20.74% Variable

Card Details

  • No annual fee
  • Special low Introductory APR of 0% for the first 15 billing cycles on purchases and balance transfers1 (made within 60 days of account opening).
  • After that, our lowest variable Purchase and Balance Transfer APR will apply, currently 10.74% - 20.74%, based on credit worthiness.
BB&T Bright® Card
Image of BB&T Bright® Card 11.9% to 20.9% Variable 3% or $10 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
Graph Card More Details and Value Calculation

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
BB&T Bright® Card 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the BB&T Bright® Card assumes an interest rate of 0.00%

Annual Fee No Annual Fee
APR 11.9% to 20.9% Variable

Card Details

  • 0% introductory (APR) for 15 months on purchases and balance transfers
  • Afterwards, variable APRs ranging from 11.9% to 20.9%
  • No annual fee
PCB Platinum
Image of PCB Platinum 13.49% to 24.49% Variable 2% or $2 whichever is greater. 0% Intro on Balance Transfers for 12 months. $0.00
Graph Card More Details and Value Calculation

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
PCB Platinum 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the PCB Platinum assumes an interest rate of 0.00%

Annual Fee No Annual Fee
APR 13.49% to 24.49% Variable

Card Details

  • 0% introductory APR on purchases for the first 12 months. When the offer expires the variable APR will be from 13.49% up to 24.49%.
PenFed Pathfinder Rewards American Express Card
Image of PenFed Pathfinder Rewards American Express Card 11.99% to 17.99% Variable 3% or $0 whichever is greater. 0% Intro on Balance Transfers for 0 months. $0.00
Graph Card More Details and Value Calculation

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
PenFed Pathfinder Rewards American Express Card 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the PenFed Pathfinder Rewards American Express Card assumes an interest rate of 0.00%

Annual Fee No Annual Fee
APR 11.99% to 17.99% Variable

Card Details

  • Redeem points for travel, merchandise and gift cards
  • Complimentary 24-hour concierge service
  • 4x points on travel purchases as an Access America checking account holder or as a member of the military
  • Or 3x points on travel purchases for all other cardholders
  • 1.5x points on all other purchases
  • $100 Annual Travel Fund Benefit
  • $100 Annual Global Entry/TSA PreCheck Benefit
  • 0% promo APR for 12 months on balance transfers (3% fee applies to each transaction)
  • 25,000 bonus points when you spend $2,500 within 3 months of opening an account
Barclaycard Ring™ Mastercard®
10.49% Variable None N/A $0.00
Graph Card Read Review More Details and Value Calculation

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
Barclaycard Ring™ Mastercard® 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the Barclaycard Ring™ Mastercard® assumes an interest rate of 0.00%

Annual Fee $0
APR 10.49% Variable

Card Details

  • A low, variable APR on purchases, balance transfers and cash advances
  • No annual fee
  • No balance transfer fees
  • No foreign transaction fees
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Free online access to FICO® Credit Score
  • See Rates & Fees
Mastercard® Black Card™
16.49% Variable See Terms 0% introductory APR for the first fifteen billing cycles on balance transfers made in the first 45 days $0.00
Graph Card More Details and Value Calculation

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
Mastercard® Black Card™ 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the Mastercard® Black Card™ assumes an interest rate of 0.00%

Annual Fee $495
APR 16.49% Variable

Card Details

  • Stainless Steel - Patented Card Design
  • 2% Value for Airfare Redemptions
  • 1.5% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™
  • Exclusive Luxury Card Travel Benefits
  • $100 Annual Airline Credit Toward Qualifying Purchases
  • $100 Global Entry Application Fee Credit
  • Annual Fee: $495 ($195 for each Authorized User)

How to Choose the Best Balance Transfer Credit Card

A balance transfer credit card can be a useful tool for paying down credit card debt. To find the card that will save you the most money, determine which type of card you want, prioritize the key features and calculate how long it will take to pay off your debt. Most balance transfer credit cards require good to excellent credit. If your FICO score is below 680, you likely won't get approved for these cards except for those with other hidden fees.

Find the Right Balance Transfer Card Type

There are two types of balance transfer credit cards: the basic type and those that also offer a rewards program. Here are the key differences.

Basic Balance Transfer Credit Cards

The primary feature of basic balance transfer credit cards is the 0% APR offer. The 0% period typically lasts between 15 months and 18 months, and it's generally longer than those found on balance transfer cards with rewards. Basic balance transfer cards also often waive balance transfer fees or won't charge them at all, unlike those that also come with rewards. The permanent APR after the 0% period ends is typically lower than those on balance transfer cards with rewards. The major downside of basic balance transfer cards is they are largely useless as a primary card after you eliminate your outstanding balance. Basic balance transfer cards are best if you:

  • Have a lot of existing credit card debt.
  • Anticipate having remaining debt after the 0% interest period ends.
  • Tend to carry a balance month to month.

Balance Transfer Credit Cards With Rewards

Many rewards credit cards also offer 0% interest on balance transfers. The advantage of these cards is that you'll continue to save money by earning points or cash back after you pay off your debt during the 0% period. The downside is that these cards typically don't offer a 0% APR for longer than 12 months, which may not be enough time to pay off your balance. It's important to note that some of these cards may come with an annual fee, but the cards we recommend do not. Balance-transfer cards with rewards are best if you: * Can pay off your existing debt in 12 months or less. * Want a useful card after paying off your debt.

Avoid 'Deferred Interest' Credit Cards

Deferred interest cards should not be considered balance transfer or low-interest credit cards. These cards retroactively charge interest if you don't pay off a balance within the promotional period. Conversely, balance transfer cards begin to charge interest only after the promotional period ends. Deferred interest is commonly found on store credit cards. Read the fine print of any credit card offering a low or 0% interest period to determine how interest is charged.

Compare Key Features

Here are the three key features of balance transfer cards. These will help you compare multiple cards to find the best deal for you.

Promotional 0% APR: Balance-transfer cards provide no interest for a promotional period, typically between 12 months and 24 months. Note how long the promotional 0% rate applies to balance transfers. For instance, the rate may only apply to balances that are transferred within 45 days of the card opening. This information can be found in the Pricing and Terms section of the card agreement or website. Some balance transfer cards come with 0% interest on transfers and new purchases. But if your goal is to pay off debt, you should avoid making new purchases while paying off your existing debt.

Standard APR After Promotional Period: If you won't pay off your entire balance before the introductory APR period ends, then you should consider how much your APR may increase since you will end up paying interest on the remaining balance. Many issuers provide an APR range, depending on your creditworthiness. If you have excellent credit (a FICO score above 740), you'll likely receive the lowest APR in the range.

Transfer Fees: Most credit cards charge 3% to 5% of the balance for each transfer. But some cards will waive the fee altogether.

Consider Your Budget

Take the time to estimate how long it will take to pay off your debt—and whether you can do it within the 0% APR period. Why? Say you sign up for a rewards card with a 0% balance transfer APR for 12 months, but you think you'll carry a balance for 18 months. The result: You will lose money even despite earning rewards. That's why it's important to have a plan for paying off your debt within your budget. Use our pay-down calculator below to estimate how long it will take to eliminate your debt. Enter your total debt, monthly payments and APR.

balance

pay off in months

interest (APR)

payment

Card 1

$
%
Monthly Payment
$77.32

In order to pay off your balances in full within the specified amount of time, it is recommended you make monthly payments totalling $0. You will pay a total of $0 in interest over that time.

Visualizing Your Remaining Balance

The below graph can help you see exactly how quickly your total outstanding balance will go down overtime with the payment structure you selected.

Balance
{"onCurrent":"true"}

Other Factors to Consider

Here are three other factors to consider when weighing balance transfer offers.

You generally can't transfer debt to a card with the same issuer. Issuers use balance transfer offers to get new customers. Many issuers don't allow current customers to transfer from one of its cards to another card it issues—or its affiliates issue. That means you need to should shop around at other issuers for a balance transfer.

You can only transfer credit card debt up to your available credit limit (or less). You typically can only transfer an amount up to that limit, sometimes less, depending on the issuer. That means if your credit limit is $2,500 on the balance transfer card, then that's the max amount, including fees, you can transfer—even if you have $4,000 in debt. The problem is that you won't know the credit limit until after you apply and you're approved for the card. If the balance (or balances) you want to transfer exceed the credit line, the issuer may transfer only a portion of the balance. Others may simply deny your application. The bottom line: If you have a lot of credit card debt, you may need multiple balance transfer cards to accommodate the amount.

You don't earn rewards on transferred balances. Rewards credit cards entice cardholders to make purchases by providing points, miles or cash back for those transactions. But you can't earn rewards for balance transfers on most rewards cards. There are some exceptions, but the transfer fee on these cards often exceeds what you'd earn in rewards. Similarly, a transferred balance typically does not count toward a sign-up bonus.

How Do Balance Transfers Save You Money?

By taking advantage of a balance transfer card with a 0% APR, you can put more money toward reducing debt instead of paying interest. This can mean substantial savings over time and a step closer to financial stability. Here's an example. Let's take the average total credit card debt, which is $9,036 for U.S. households. Assuming your APR is 15% and monthly payment is $400, you would end up forking over $1,283 in interest charges before the balance is paid off more than two years later. If you transfer the balance to a card with a 0% APR for 12 months and no transfer fee, you'd end up paying only $241 in interest, a savings of more than $1,000. Even if you have to pay a 3% transfer fee, you'd still save money on interest. Of course, your monthly payment in the balance transfer scenario is much higher, $753. We created a tool to help you see how balance transfer credit cards can save you based on your unique financial situation. Enter your debt and APR for up to five cards, and you'll see how they compare next to a balance transfer card.

balance

payment

interest (APR)

payoff time

Card 1

$
$
%
Payoff Time
6 years, 5 months

You will pay a total of $0 in interest over this time.

Please enter the details of the card you are transferring balances to:

promo length (months)

transfer fee

APR after promo

%
%

You can save approximately $0 in interest by transferring your balance. It will take you 0 months to pay off your debt at this rate.

Visualizing Your Savings

Another added benefit of a balance transfer credit card is the fact that it speeds up how quickly you pay down your debt. The following graph can help you visualize this. Use the drop down menu to choose between graphing your remaining balance, savings, or interest paid.

Balance
{"onCurrent":"true"}

Comments and Questions

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

Info about the following cards: American Express® Gold Card, Delta Reserve® Credit Card from American Express, Platinum Delta SkyMiles® Credit Card, Starwood Preferred Guest® Credit Card from American Express, Hilton Honors Surpass® Credit Card, American Express® Blue Sky, American Express® Green Card, The Amex EveryDay® Preferred Credit Card from American Express, The Plenti® Credit Card from Amex, Blue from American Express®, Platinum Card® from American Express Exclusively for Mercedes-Benz, Bluebird, Centurion® Card from American Express, Hilton Honors American Express Aspire Card, Starwood Preferred Guest® American Express Luxury Card, and American Express Cash Magnet℠ Card has been collected independently by ValuePenguin. The issuer did not provide the details, nor is it responsible for their accuracy.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program. 

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

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