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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.


Citi Simplicity® Card

Citi Simplicity® Card



  • 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.


Intro APR on Purchases Intro APR on Transfers Regular APR Annual Fee Credit Needed
0%* for 18 Months* 0%* for 18 Months* 12.99% – 21.99%* Variable $0** Excellent

Application for the Citi Simplicity® Card

Citi Simplicity® Card

Great For: Balance transfers and direct access to service representatives.

Credit score info for Citi Simplicity® Card
Credit needed: Excellent
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Interest rate details for the Citi Simplicity® Card
Regular APR Intro APR on Purchases Intro APR on Balance Transfers Cash Advance APR
12.99% – 21.99%* Variable 0%* for 18 Months* 0%* for 18 Months* 12.99% – 21.99%

Fee information for the Citi Simplicity® Card
Annual Fee Balance Transfer Fee Cash Advance Fee Late Fee Foreign Transaction Fee
$0* 3% of each balance transfer; $5 minimum 5%, Min: $10 Up to $35 3%


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 billing cycles 0% for 15 billing cycles 9.99% - 23.99%* (Variable) $0** Excellent Credit

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

U.S. Bank Visa® Platinum Card

Apply for the U.S. Bank Visa® Platinum Card by filling out a secure online application.

Credit score info for U.S. Bank Visa® Platinum Card
Credit needed: Excellent Credit
What's my credit score?


Interest rate details for the U.S. Bank Visa® Platinum Card
Regular APR Intro APR on Purchases Intro APR on Balance Transfers Cash Advance APR
9.99% - 23.99%* (Variable) 0% for 15 billing cycles 0% for 15 billing cycles See Terms

Fee information for the U.S. Bank Visa® Platinum Card
Annual Fee Balance Transfer Fee Cash Advance Fee Late Fee Foreign Transaction Fee
$0* See Terms See Terms See Terms See Terms


Citi ThankYou® Preferred Card - Low Intro APRs

Citi ThankYou® Preferred Card - Low Intro APRs



  • Enjoy 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% - 22.99% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment
  • 1 ThankYou Point on other purchases.
  • Points do not expire and earn unlimited ThankYou Points
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*


Intro APR on Purchases Intro APR on Transfers Regular APR Annual Fee Credit Needed
0%* for 15 Months* 0%* for 15 Months* 12.99% – 22.99%* Variable $0** Excellent

Application for the Citi ThankYou® Preferred Card - Low Intro APRs

Citi ThankYou® Preferred Card - Low Intro APRs


Credit score info for Citi ThankYou® Preferred Card - Low Intro APRs
Credit needed: Excellent
What's my credit score?


Interest rate details for the Citi ThankYou® Preferred Card - Low Intro APRs
Regular APR Intro APR on Purchases Intro APR on Balance Transfers Cash Advance APR
12.99% – 22.99%* Variable 0%* for 15 Months* 0%* for 15 Months* 25.24%

Fee information for the Citi ThankYou® Preferred Card - Low Intro APRs
Annual Fee Balance Transfer Fee Cash Advance Fee Late Fee Foreign Transaction Fee
$0* 3% of each balance transfer; $5 minimum 5% of each cash advance; $10 minimum Up to $35 3%


Citi® Dividend Platinum Select® Visa® Card


Citi® Dividend Platinum Select® Visa® Card



  • Earn $100 cash back after $500 in purchases within the first 3 months of account opening
  • Earn 5% CASH BACK in categories every quarter. Right now, on eligible purchases within the Hilton Portfolio, car rental agencies, movie theaters and theme parks from 7/1/14 – 9/30/14
  • Enrollment each quarter is quick and easy
  • Earn 1% cash back on all other purchases.
  • The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer. See Citi Dividend Card Reward Program Information.
  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • No Annual Fee*
  • Click Apply Now to see pricing details


Intro APR on Purchases Intro APR on Transfers Regular APR Annual Fee Credit Needed
0%* for 12 Months* 0%* for 12 Months* 12.99% – 22.99%* Variable $0** Excellent

Application for the 
Citi® Dividend Platinum Select® Visa® Card

Citi® Dividend Platinum Select® Visa® Card

Great For: Online rewards program that rotates categories quarterly.

Credit score info for Citi® Dividend Platinum Select® Visa® Card
Credit needed: Excellent
What's my credit score?


Interest rate details for the Citi® Dividend Platinum Select® Visa® Card
Regular APR Intro APR on Purchases Intro APR on Balance Transfers Cash Advance APR
12.99% – 22.99%* Variable 0%* for 12 Months* 0%* for 12 Months* 25.24%

Fee information for the Citi® Dividend Platinum Select® Visa® Card
Annual Fee Balance Transfer Fee Cash Advance Fee Late Fee Foreign Transaction Fee
$0* 3% of each balance transfer; $5 minimum 5% of each cash advance; $10 minimum 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.



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* 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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Balance Transfer Calculator
Balance Transfer Calculator

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