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Find the Best Balance Transfer Credit Card Offer
If you are tired of paying interest on a high credit card balance, you might want to look into balance transfer credit cards. When you get a balance transfer credit card, you can transfer your balance from a higher rate card and hopefully save a substantial amount of money in interest payments.
Note though that even with the best balance transfer cards, the low interest rate is only temporary. This means that you need to pay off the balance that you transferred before the low introductory rate runs out. If you take the money you save on interest each month and apply it to the balance of your card, paying down the principle should be easier.
If you are shopping for a balance transfer credit card offer, look for one that does not charge a balance transfer fee. It is also a good idea to try and find one that holds the lower interest rate for the longest time possible.
Online Applications for Balance Transfer Cards
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Recommended Balance Transfer Credit Card
The Citi® Platinum Select® MasterCard® is one of the most popular Balance Transfer cards available. Your Credit Advisor recommends it as our favorite in this category.
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- 0% APR* on Purchases and Balance Transfers for up to 12 Months
- No Annual Fee
- Citi® Identity Theft Solutions
- $0 Liability on Unauthorized Purchases
- Secure, Free Online Account Management
- Extra Cash from Citi: Enjoy Significant Discounts on Gift Cards, Travel, Merchandise, and More.
- Read our review or apply online now at Citibank's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for up to 12 Months |
As low as 11.99% V Variable |
Very Good |
$0 |
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- Earn 25,000 Membership Rewards(R) bonus points when you spend $1,000 in 3 months - Redeemable for one round-trip domestic airline ticket!
- 24-hour access to Concierge service for the finest experiences in dining, entertainment, and luxury
- Fine Hotels and Resorts Program - exclusive amenities at boutique, resort, and luxury hotels around the world
- By Invitation Only(R)Events - access to exclusive, once-in-a-lifetime events
- Complimentary Airport Club Access
- The Membership Rewards First(R) program - Enjoy exclusive access to rewards and experiences featuring luxury retail, lifestyle, and world-class travel
- Apply online now at American Express's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| No Introductory Rate Available |
No APR |
Very Good |
$450 |
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- Earn up to 25,000 Starpoints (R) - enough for up to 6 free nights at a category 1 or 2 hotel
- Use Starpoints(R) for free nights and upgrades at participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates
- No annual fee for the first year and $45 thereafter
- Transfer Starpoints(R) - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines
- Earn one Starpoint(R) for every dollar you spend and double Starpoints(R) at participating Starwood properties and retail partners
- Express Approval. Get a decision in less than 60 seconds
- Read our review or apply online now at American Express's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 2.9% APR for 6 Months |
15.24% Variable |
Very Good |
$45 |
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| No Introductory Rate Available |
14.99% or 21.99% V Variable |
Very Good |
$0 |
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- No Annual Membership Fee
- Low Introductory APR on Balance Transfers for the First 6 Billing Cycles
- 25 Day Grace Period
- Online Access to Credit Card Account Information
- Purchase and Cash Advance APR May Vary Depending on Your Creditworthiness and Other Factors
- Apply online now at the card issuer's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 1.99% APR for 6 Months |
7.25% - 13.25%* Variable |
None |
$0 |
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- Earn 10,000 Membership Rewards(R) bonus points when you spend $500 in 3 months - redeemable for a $100 gift card!
- The Membership Rewards(R) program - Earn 1 Membership Rewards(R) point for virtually every dollar you spend and redeem for your choice of travel, shopping, and entertainment rewards.
- Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.
- Express Approval. Get a decision in less than 60 seconds.
- Read our review or apply online now at American Express's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| No Introductory Rate Available |
No APR |
Good |
$125 |
The credit card information shown here is provided by . Reviews are believed to be accurate during the time of evaluation. However, information posted may change after the review date. Therefore, online visitors may want to first contact the credit card issuer to verify all information before applying online. Ratings are based on the CardOffers.com Rating System and are designed to further evaluate the credit card product. It is important to note that the posted ratings should not be the only factor in helping you decide which credit card is right for you, as many of the credit cards listed are not suited for all types of individuals. CardOffers.com does not guarantee the accuracy of posted information.
