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Balance Transfer Credit Cards

Balance Transfer Credit Cards

Credit Card Balance Transfers

Compare credit cards that offer low interest balance transfers and apply easily online. Browse credit cards that offer 0% APR introductory deals on balance transfers, as well as credit cards that offer a low ongoing balance transfer interest rate. Save big on monthly interest charges by transferring your existing credit card balance onto one of these cards.

See how much you could save with our balance transfer calculator.


Discover it®

Discover it®



  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Plus, pay up to midnight ET online or by phone on your due date without a fee. No late fee on your first late payment. And 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 purchases 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.


Intro APR on Purchases Intro APR on Transfers Regular APR Annual Fee Credit Needed
0% for 6 Months 0% for 18 Months 10.99% – 22.99%* Variable $0* Excellent

Application for the Discover it®

Discover it® - 18 Month Balance Transfer


Credit score info for Discover it®
Lowest credit score approved: 687**
Average credit score approved: 731**       What's my credit score?
*Note: If the credit score data above displays a 0, it indicates that data is not currently available.

Interest rate details for the Discover it®
Regular APR Intro APR on Purchases Intro APR on Balance Transfers
10.99% – 22.99%* Variable 0% for 6 Months 0% for 18 Months

Fee information for the Discover it®
Annual Fee Balance Transfer Fee Cash Advance Fee Late Fee Foreign Transaction Fee
$0 3% 5%, Min: $10 Up to $35 $0


U.S. Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card



  • 0% Intro APR* on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 9.99%-23.99%
  • No annual fee*
  • Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum
  • $0 fraud liability* for unauthorized transactions if your card is ever lost or stolen
  • Fraud Protection detects and notifies you of any unusual card activity to help prevent fraud
  • Online account management and account alerts


Intro APR on Purchases Intro APR on Transfers Regular APR Annual Fee Credit Needed
0% for 15 Months 0% for 15 Months 9.99% – 23.99%* Variable $0* Excellent

Application for the U.S. Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card

  • 0% Intro APR* on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 9.99%-23.99%
  • No annual fee*
  • Online account management and account alerts

Credit score info for U.S. Bank Visa® Platinum Card
Lowest credit score approved: 661**
Average credit score approved: 730**       What's my credit score?
*Note: If the credit score data above displays a 0, it indicates that data is not currently available.

Interest rate details for the U.S. Bank Visa® Platinum Card
Regular APR Intro APR on Purchases Intro APR on Balance Transfers
9.99% – 23.99%* Variable 0% for 15 Months 0% for 15 Months

Fee information for the U.S. Bank Visa® Platinum Card
Annual Fee Balance Transfer Fee Cash Advance Fee Late Fee Foreign Transaction Fee
$0 4%, Min: $5 4%, Min: $10 Up to $35 Up to 3%


Priceline Rewards™ Visa® Credit Card

Priceline Rewards™ Visa® Credit Card



  • No Annual Fee
  • Earn 5,000 bonus points after your first purchase
  • Earn 5X points on Priceline.com purchases
  • Earn 1 point on everything else. And there‚Äôs no limit to the number of points you can earn!
  • Plus, earn an additional 5,000 bonus points after spending $1,000 on qualifying transactions in the first 90 days of account opening
  • Your points can act like cash - Redeem points for statement credits against purchases made on your account
  • Please see terms and conditions for complete details


Intro APR on Purchases Intro APR on Transfers Regular APR Annual Fee Credit Needed
0% for 12 Months 0% for 12 Months 14.99% or 21.99%* Variable $0* Excellent

Application for the Priceline Rewards™ Visa® Credit Card

Priceline Rewards™ Visa® Credit Card

Earn five times the points on eligible purchases
  • No Annual Fee
  • Earn 5,000 bonus points after your first purchase
  • Earn 5X points on Priceline.com purchases

Credit score info for Priceline Rewards™ Visa® Credit Card
Lowest credit score approved: 655**
Average credit score approved: 732**       What's my credit score?
*Note: If the credit score data above displays a 0, it indicates that data is not currently available.

Interest rate details for the Priceline Rewards™ Visa® Credit Card
Regular APR Intro APR on Purchases Intro APR on Balance Transfers
14.99% or 21.99%* Variable 0% for 12 Months 0% for 12 Months

Fee information for the Priceline Rewards™ Visa® Credit Card
Annual Fee Balance Transfer Fee Cash Advance Fee Late Fee Foreign Transaction Fee
$0 4%, Min: $10 5%, Min: $10 Up to $25 3%


The Premier Miles & More World MasterCard®

The Premier Miles & More World MasterCard®



  • Earn 20,000 award miles after your first purchase or balance transfer
  • Earn up to 15,000 award miles with balance transfers (1 mile per $1 transferred) within 30 days of account opening
  • Earn 2 award miles per $1 on ticket purchases directly from Miles & More integrated airline partners
  • Earn 1 mile per $1 on all other purchases
  • Annual Companion Ticket after first purchase, then annually thereafter
  • No foreign transaction fees on purchases made outside the U.S.
  • Redeem miles for flight awards and upgrades on Lufthansa, Austrian Airlines, Brussels Airlines, SWISS, Star Alliance airlines and other partners
  • $79 Annual Fee, waived for SEN and HON Circle Members


Intro APR on Purchases Intro APR on Transfers Regular APR Annual Fee Credit Needed
0% for 12 Months 0% for 12 Months 15.99% or 24.99%* Variable $79* Excellent

Application for the The Premier Miles & More World MasterCard®

The Premier Miles & More World MasterCard®

  • Earn 20,000 award miles after your first purchase or balance transfer

Credit score info for The Premier Miles & More World MasterCard®
Lowest credit score approved: 670**
Average credit score approved: 726**       What's my credit score?
*Note: If the credit score data above displays a 0, it indicates that data is not currently available.

Interest rate details for the The Premier Miles & More World MasterCard®
Regular APR Intro APR on Purchases Intro APR on Balance Transfers
15.99% or 24.99%* Variable 0% for 12 Months 0% for 12 Months

Fee information for the The Premier Miles & More World MasterCard®
Annual Fee Balance Transfer Fee Cash Advance Fee Late Fee Foreign Transaction Fee
$79 4%, Min: $10 5%, Min: $10 Up to $35 1%


The US Airways Premier World MasterCard®

The US Airways Premier World MasterCard®



  • Earn up to 40,000 bonus miles on qualifying transactions
  • Exclusive: Book award flights for 5,000 fewer miles - award travel starts at just 20,000 miles for cardmembers
  • Zone 2 boarding on every flight
  • Earn 2 miles per $1 on US Airways purchases
  • Earn 1 mile per $1 spent everywhere else
  • Annual companion certificate good for round-trip travel for up to 2 companions at $99 each, plus taxes and fees
  • First Class check-in
  • Please see terms and conditions for complete details


Intro APR on Purchases Intro APR on Transfers Regular APR Annual Fee Credit Needed
0% for 12 Months 0% for 12 Months 15.99% or 24.99%* Variable $89* Excellent

Application for the The US Airways Premier World MasterCard®

The US Airways Premier World MasterCard®

Earn up to 40k bonus miles on qualifying transactions
  • Earn up to 40,000 bonus miles on qualifying transactions
  • Exclusive: Book award flights for 5,000 fewer miles - award travel starts at just 20,000 miles for cardmembers
  • Zone 2 boarding on every flight

Credit score info for The US Airways Premier World MasterCard®
Lowest credit score approved: 680**
Average credit score approved: 753**       What's my credit score?
*Note: If the credit score data above displays a 0, it indicates that data is not currently available.

Interest rate details for the The US Airways Premier World MasterCard®
Regular APR Intro APR on Purchases Intro APR on Balance Transfers
15.99% or 24.99%* Variable 0% for 12 Months 0% for 12 Months

Fee information for the The US Airways Premier World MasterCard®
Annual Fee Balance Transfer Fee Cash Advance Fee Late Fee Foreign Transaction Fee
$89 4%, Min: $10 5%, Min: $10 Up to $35 3%


Upromise World MasterCard®

Upromise World MasterCard®



  • You can earn 10% or more cash back on eligible online purchases through Upromise
  • Start with a $50 cash back bonus after first use
  • Earn 4% back at thousands of participating Upromise dining restaurants
  • Earn 3% cash back on eligible gas purchases at Exxon or Mobil locations
  • Earn 2% cash back at eligible movie theaters
  • Earn 1% cash back everywhere else
  • No annual fee


Intro APR on Purchases Intro APR on Transfers Regular APR Annual Fee Credit Needed
0% for 12 Months 0% for 12 Months 12.99% or 20.99%* Variable $0* Excellent

Application for the Upromise World MasterCard®

Upromise World MasterCard®

  • You can earn 10% or more cash back on eligible online purchases through Upromise
  • Earn 4% back at thousands of participating Upromise dining restaurants

Credit score info for Upromise World MasterCard®
Lowest credit score approved: 0**
Average credit score approved: 0**       What's my credit score?
*Note: If the credit score data above displays a 0, it indicates that data is not currently available.

Interest rate details for the Upromise World MasterCard®
Regular APR Intro APR on Purchases Intro APR on Balance Transfers
12.99% or 20.99%* Variable 0% for 12 Months 0% for 12 Months

Fee information for the Upromise World MasterCard®
Annual Fee Balance Transfer Fee Cash Advance Fee Late Fee Foreign Transaction Fee
$0 4%, Min; $10 5%, Min; $10 Up to $35 3%


The L.L. Bean Visa Card

The L.L. Bean Visa Card



  • No Annual Fee
  • Earn 3% rewards on L.L.Bean purchases
  • Earn 1% rewards on all other purchases
  • Receive $10 L.L.Bean Coupons as you earn them
  • Enjoy free returns and free monogramming at L.L.Bean
  • Please see terms and conditions for complete detail


Intro APR on Purchases Intro APR on Transfers Regular APR Annual Fee Credit Needed
N/A for N/A N/A for N/A 13.99% – 19.99%* Variable $0* Good

Application for the The L.L. Bean Visa Card

The L.L. Bean Visa Card

  • No Annual Fee
  • Earn 3% rewards on L.L.Bean purchases
  • Earn 1% rewards on all other purchases

Credit score info for The L.L. Bean Visa Card
Lowest credit score approved: 621**
Average credit score approved: 663**       What's my credit score?
*Note: If the credit score data above displays a 0, it indicates that data is not currently available.

Interest rate details for the The L.L. Bean Visa Card
Regular APR Intro APR on Purchases Intro APR on Balance Transfers
13.99% – 19.99%* Variable N/A for N/A N/A for N/A

Fee information for the The L.L. Bean Visa Card
Annual Fee Balance Transfer Fee Cash Advance Fee Late Fee Foreign Transaction Fee
$0 4%, Min; $10 5%, Min; $10 Up to $35 3%


Barclaycard® Ring MasterCard® - 1% Back on Balance Transfers

Barclaycard® Ring MasterCard® - 1% Back on Balance Transfers



  • Get a 1% Statement Credit back on the amount of balance transfers made in the first 60 days of account opening
  • 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


Intro APR on Purchases Intro APR on Transfers Regular APR Annual Fee Credit Needed
N/A for N/A N/A for N/A 8.00%* Variable $0* Excellent

Application for the Barclaycard® Ring MasterCard® - 1% Back on Balance Transfers

Barclaycard® Ring MasterCard® - 1% Back on Balance Transfers


Credit score info for Barclaycard® Ring MasterCard® - 1% Back on Balance Transfers
Lowest credit score approved: 681**
Average credit score approved: 730**       What's my credit score?
*Note: If the credit score data above displays a 0, it indicates that data is not currently available.

Interest rate details for the Barclaycard® Ring MasterCard® - 1% Back on Balance Transfers
Regular APR Intro APR on Purchases Intro APR on Balance Transfers
8.00%* Variable N/A for N/A N/A for N/A

Fee information for the Barclaycard® Ring MasterCard® - 1% Back on Balance Transfers
Annual Fee Balance Transfer Fee Cash Advance Fee Late Fee Foreign Transaction Fee
$0 None $1 Up to $25 1%


The Frontier Airlines World MasterCard®

The Frontier Airlines World MasterCard®



  • Earn 40,000 bonus miles after spending $500 in purchases in the first 90 days
  • Earn up to 10,000 bonus miles on balance transfers (1 mile per $1 transferred) in the first 90 days
  • Earn DOUBLE miles on purchases at FlyFrontier.com and 1 mile per $1 on all other purchases
  • No blackout dates! Book any roundtrip award flight on Frontier starting at 20,000 miles (subject to fees/taxes from $5)
  • Cardmember Exclusive! Redeem roundtrip companion award tickets for 5,000 less miles (from 15,000 miles plus taxes/fees from $5)
  • 0% Introductory APR on purchases and balance transfers for the first 12 months after account opening. After that, a variable APR, currently 15.99% or 24.99% based on your creditworthiness
  • $69 Annual Fee


Intro APR on Purchases Intro APR on Transfers Regular APR Annual Fee Credit Needed
0% for 12 Months 0% for 12 Months 15.99% or 24.99%* Variable $69* Excellent

Application for the The Frontier Airlines World MasterCard®

The Frontier Airlines World MasterCard®

Earn up to 50k miles on qualifying transactions
  • Earn 40,000 bonus miles after spending $500 in purchases in the first 90 days

Credit score info for The Frontier Airlines World MasterCard®
Lowest credit score approved: 0**
Average credit score approved: 0**       What's my credit score?
*Note: If the credit score data above displays a 0, it indicates that data is not currently available.

Interest rate details for the The Frontier Airlines World MasterCard®
Regular APR Intro APR on Purchases Intro APR on Balance Transfers
15.99% or 24.99%* Variable 0% for 12 Months 0% for 12 Months

Fee information for the The Frontier Airlines World MasterCard®
Annual Fee Balance Transfer Fee Cash Advance Fee Late Fee Foreign Transaction Fee
$69 4%, Min: $10 5%, Min: $10 Up to $35 3%




About Credit Cards: Balance Transfers

In the most basic terms, a balance transfer is a way of moving a debt from one credit card to another credit card. This is often done to save money, as the new credit card may have a lower finance rate (APR) than the old credit card...more


About our balance transfer credit card comparisons

We strive to provide comprehensive listings of balance transfer credit cards to help you find a balance transfer offer that meets your specific needs. For answers to any individual questions about transferring credit card balances or any anything else related to credit cards, visit our credit card FAQs.



Compare all credit cards on our comparison chart


* See the online credit card application for details about terms and conditions of a specific offer.
** Users have received approvals with these TransUnion New Account credit scores, based on a data from a third party. These approval metrics are only guidelines and approval is not guaranteed.




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Calculate the best distribution of your credit card debt. Determine which balance transfers will produce the greatest savings.




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Balance Transfer Credit Cards