Excellent Credit Balance Transfer Credit Cards
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One of the many perks that come with having consistently demonstrated responsible credit use for a prolonged period of time is the ability to qualify for one of the excellent credit balance transfer credit cards listed below. Not only do these cards come with the lowest introductory rates available in the balance transfer credit card genre, but they also offer them for the longest period of time and have balance transfer fees that are among the lowest on the market. By transferring a balance from another credit card or loan to one of these excellent credit balance transfer credit cards, you can significantly lower the cost of existing debt by effectively doing away with interest. But exactly how much can you save? In comparing the offers below (some of which are issued by WalletHub partners), we suggest using a balance transfer fee calculator as well as a credit card payoff calculator … show moreshow less
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Purchase Intro APR
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0% for 14 months
Transfer Intro APR
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0% for 14 monthsTransfer Fee: 3%
Regular APR
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14.24% - 25.24% (V)
Rewards Details
- INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
- Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more 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.
- Use your rewards at Amazon.com checkout.
Additional Info
- Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
- No annual fee.
- See More Details & Reviews About TheDiscover it® Cash Back
Purchase Intro APR
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0% for 12 months*
Transfer Intro APR
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0% for 21 months*Transfer Fee: 5% (min $5)
Regular APR
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16.24% - 26.24%* (V)
Additional Info
- The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER
- 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness
- 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness
- If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- The same great rate for all balances, after the introductory period
- Save time when you call with fast, personal help, 24 hours a day – just say “representative”
- Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month
- See More Details & Reviews About TheCiti Simplicity® Card - No Late Fees Ever
Purchase Intro APR
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Not Offered
Transfer Intro APR
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0% for 18 months*Transfer Fee: 3% (min $5)
Regular APR
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15.74% - 25.74%* (V)
Rewards Details
- Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
- No categories to track, no caps on cash back, no annual fee*
Additional Info
- Balance Transfers do not earn cash back
- 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness*
- Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
- See More Details & Reviews About TheCiti® Double Cash Card – 18 month BT offer
Purchase Intro APR
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0% for 18 billing cycles
Transfer Intro APR
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0% for 18 billing cycles for balance transfers made in the first 60 days
Regular APR
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15.24% - 25.24% Variable
Additional Info
- NEW OFFER: 0% Introductory APR for 18 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 15.24% - 25.24% Variable APR. 3% fee (min $10) applies to balance transfers
- No annual fee
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
- Access your FICO® Score for free within Online Banking or your Mobile Banking app
- See More Details & Reviews About TheBankAmericard® credit card
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsTransfer Fee: 3%
Regular APR
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15.24% - 25.24% (V)
Rewards 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
Additional Info
- 0% intro APR on purchases for 15 months; 15.24%-25.24% variable APR after that
- 0% intro APR on balance transfers for 15 months; 15.24%-25.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- Pay no annual fee or foreign transaction fees
- See More Details & Reviews About TheCapital One® Quicksilver® Cash Rewards Credit Card
Rates & Fees | Terms Apply
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsTransfer Fee: 3% (min $5)
Regular APR
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15.24% - 26.24% (V)
Rewards Details
- $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
- 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
- 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
- Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
- Terms Apply.
Additional Info
- Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%.
- Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
- No annual fee.
- See More Details & Reviews About TheBlue Cash Everyday® Card from American Express
Purchase Intro APR
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Not Offered
Transfer Intro APR
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0% for 12 billing cyclesTransfer Fee: 3% (min $5)
Regular APR
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18.24% - 25.24% (V)
Annual Fee
None 1st yr, $89 after
Rewards Rate
2 miles / $1
Minimum Credit
Good
Rewards Details
- Limited Time Offer: Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
- Earn unlimited 2X miles on every purchase
- Book travel your way—no airline, seat or hotel restrictions—and redeem your miles for travel statement credits
- Get 5% miles back to use toward your next redemption, every time you redeem
- Miles don’t expire as long as your account is open, active and in good standing
Additional Info
- No foreign transaction fees
- International Chip and PIN for use at self-service chip terminals around the world
- See More Details & Reviews About TheBarclaycard Arrival® Plus World Elite Mastercard®
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 months
Regular APR
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17.24% - 25.99% (V)
Rewards 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
- No minimum to redeem for cash back
- Cash Back rewards do not expire as long as your account is open
Additional Info
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24%-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
- Free credit score, updated weekly with Credit Journey℠
- No annual fee
- See More Details & Reviews About TheChase Freedom Unlimited®
Rates & Fees | Terms Apply
Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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0% for 12 monthsTransfer Fee: 3% (min $5)
Regular APR
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15.24% - 26.24% (V)
Rewards Details
- $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
- 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
- 3% cash back at U.S. gas stations. 1% cash back on other purchases.
- Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
- Terms Apply.
Additional Info
- Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
- $95 annual fee.
- See More Details & Reviews About TheBlue Cash Preferred® Card from American Express
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 months
Regular APR
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17.24% - 25.99% (V)
Rewards 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
- Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
Additional Info
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24%-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
- Free credit score, updated weekly with Credit Journey℠
- No annual fee
- See More Details & Reviews About TheChase Freedom®
NO FOREIGN FEE
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Community Discussion
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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended.
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