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Balance Transfer Credit Cards

Balance Transfer Credit Card Offers
Using credit card balance transfers can be a great way to save money over the course of time. While credit card transfers can be money savers, there are some issues that consumers should know about before signing up.

The main reason most consumers use credit card balance transfers is to get a better deal on the interest that they are paying on the debt they owe. For example, if the current lender is charging 28 percent interest and another company offers to carry the debt for 18 percent interest, the consumer would realize an immediate savings by moving the debt to the latter company. Under the best circumstances, a zero balance transfer credit card would be ideal.


American Express SimplyCash® Business Card - Balance Transfer
 
American Express SimplyCash® Business Card
Online Application
  • Earn 5% Cash Back on Office Supplies and Wireless Services*
  • Earn a 3% Cash Rebate on Automobile Gasoline Purchases Up to $12,000 per Year; 1% thereafter
  • Earn 1% Cash Back on Virtually All Other Purchases*
  • No Limits to The Cash Back You Can Earn*
  • Cash Back is Automatically Credited to the Statement Each Month*
  • 0% Introductory APR for the First 12 Months*
  • No Fee with the Flexibility to Pay in Full or Carry a Balance*
  • Additional Cards Have No Annual Fee*
  • Save 3-25% on Business Purchases at Companies Like FedEx®, Delta®, Hertz®, and More*
  • Intro APR
    Intro APR Period
    Regular APR
    Annual Fee
    Balance Transfers
    Credit Needed
    0%*
    Up to 12 Months*
    As low as Prime + 0%*
    None*
    Yes*
    Very Good Credit*
    Read the Full Review or Apply Online
     
    Discover® MoreSM Card - Balance Transfers
     
    Discover More Card - Balance Transfer
    Apply Now!
    • 5% to 20% Cashback Bonus at Top Online Retailers*
    • Up to 1% Unlimited Cashback Bonus on All Other Purchases Automatically*
    • Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus Partners*
    • No Annual Fee*
    • Online Account Access*
    • Online Bill Payment*
    • *View Discover® Card Rates, Fees, Rewards and Other Important Information*
    Intro APR
    Intro APR Period
    Regular APR
    Annual Fee
    Balance Transfers
    Credit Needed
    0%*
    6 Months*
    10.99%*
    None*
    Yes*
    Very Good Credit*
    Read the Full Review or Apply Online
     
    Chase Platinum Visa® Card
     
    Chase Platinum Balance Transfer
    Apply Now!
    • 0% Intro APR for Up To 12 Months* on Purchases and Balance Transfers*
    • The Time Period for the Introductory APR and the Balances to which It Will Apply Will Be Based on Our Review of Your Application and Credit History*
    • No Annual Fee*
    • FREE Online Account Access*
    • FREE Travel Services including Auto Rental Collision Damage Waiver and Worldwide Travel Accident Insurance*
    Intro APR
    Intro APR Period
    Regular APR
    Annual Fee
    Balance Transfers
    Credit Needed
    0%*
    Up to 12 Months*
    10.99%*
    None*
    Yes*
    Very Good Credit*
    Read the Full Review or Apply Online
     
    Blue from American Express® - Balance Transfer
     
    Blue from American Express
    American Express Blue Online Application
    • Membership Rewards Express® program*
    • 0% APR on Purchases for Up To 15 Months*
    • No Annual Fee*
    • Low Balance Transfer APR - 4.99% Fixed APR for the Life of the Balance*
    • Blue is Your Launch Pad to Standout Shopping and Entertainment Rewards and One-of-a-Kind Experiences*
    • Express Approval. Get a Decision in Less Than 60 Seconds*
    Intro APR
    Intro APR Period
    Regular APR
    Annual Fee
    Balance Transfers
    Credit Needed
    0% on Purchases*
    Up to 15 months*
    As Low As 8.99%*
    None*
    Yes*
    Good Credit*
    Read the Full Review or Apply Online
     
    Blue Cash® from American Express® - Balance Transfer
     
    Blue Cash from American Express
    Apply Now!
    • Up To 5% Cash Back on Every Day Purchases - Even Gas!*
    • 0% Intro APR for Up to 12 Months on Purchases*
    • Low Balance Transfer Rate - 4.99% Fixed APR for the Life of the Balance*
    • No Annual Fee*
    • Express Approval. Get a Decision in Less than 60 Seconds*
    Intro APR
    Intro APR Period
    Regular APR
    Annual Fee
    Balance Transfers
    Credit Needed
    0% on Purchases*
    Up to 12 Months*
    As Low As 8.99%*
    None*
    Yes*
    Excellent Credit*
    Read the Full Review or Apply Online
     

    Finding the Best Balance Transfer Card


    Consumers should understand that they might run into a balance transfer credit card company that charges high fees for the service. The only way to know what the charges are, if there are any, is to read the lender's terms and conditions page. It is entirely possible to find balance transfer credit cards that do not charge any fee whatsoever. They are far more interested in gaining you as a customer than they are in making a quick profit with added fees or charges.

    In addition to looking for any fees that may be associated with credit card transfers, consumers should also review the interest rate structure that is being offered by the new lender. Some, if not most, lenders will offer a low introductory rate for their balance transfer credit cards in order to get new business. It is important to know and understand what the rate will become once the introductory period is over. This information must be revealed to you by law, but if one does not take the time to read it, it does no good.

    Consumers may feel that finding the best credit card balance transfers can be time consuming and that would be true if one were to go from one website to the next and so forth. Today, you can do zero balance transfer credit card research online through comparative websites that do the hard work for you. The consumer simply inputs information and the website returns those balance transfer credit cards that fit the criteria used. In most cases the results are immediately available to the consumer. Once the consumer has a short list of those credit card transfers that fit his or her needs, they can visit the parent company and read further about the company.

    Most balance transfer credit card offerings can be applied for online as well. Again, the consumer simply inputs the personal information requested and a decision is then forwarded to the person. In most cases, the decision can be made within minutes or a day at most. It is important for consumers to ensure that they are transmitting their personal information through a secure page. If the page is not secure, do not use it.

    If you are looking for credit card balance transfer offerings take heart in knowing that this has never been easier or faster than it is now.

     
    Looking for more articles and free information on balance transfer credit cards? We've provided more articles, tips, advice and resources on balance transfer credit card offers below:
    • Balance Transfers 101 - Balance transfers are something that everyone with a credit card knows a little bit about. There are regularly promotional deals coming in the mail which ...
    • Guide to Consolidating Credit Cards - Credit card consolidation is a popular choice for many consumers. Done correctly, it can reduce the amount owed on monthly payments which can make it easier to ...
    • Top 5 Recommended Balance Transfer Credit Cards -

      Looking for a new credit card to transfer your existing balances to with a low APR?  That low APR is a very important factor to look at because it can make or break the decision to go ahead with a balance transfer.

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    *Please be sure to see the specific online Balance Transfer Credit Card application for additional details about the terms of the balance transfer credit cards that you are interested in. We make a reasonable effort to maintain informational accuracy. However, all information and any details pertaining to each credit card presented are done so without warranty. After clicking on the "Apply Here" button, make sure to review ALL of the conditions and terms pertaining to that offer on the credit card issuer's web site.