List of Balance Transfer Credit Cards



Most cards today offer some sort of balance transfer teaser rate (typically zero) to entice new sign ups. For those who carry a balance and want to reduce it or completely pay it off, getting such card will save you quite a bit on interest payments. The introductory period for most cards range from 6 months to 18 months. On this page, we’ll only list those with 15 months or longer (otherwise, we’ll have hundreds of cards). We’ve added a calculator so you can see the approximate savings. Please see the end of the page for assumptions of the calculator.

  • Balance Transfer Savings Calculator


  • Discover IT card


    Editor's Rating: 4.2/5.0


    Full Review
    Discover it® Card
    The cards that offer the best bt deals tend to be plain vanilla cards with no rewards. But this is one card I would keep even after the introductory period is over simply because it is one of the best cash back offerings available today.
    Principal Paid Off In Intro Period (18 Months) :
    {{if(payoff_18_months<19, "Yes", "No")}}
    If yes, # of Months:
    {{if(payoff_18_months>18, 0, payoff_18_months)}}
    Interest Saved Over 18 Months:
    ${{ROUND(interest_after_18_months, 2)}}
    Balance Transfer Fee:
    ${{ROUND(bt_3_balance_transfer_fee, 2)}}
    Total Savings:
    ${{ROUND(interest_after_18_months-bt_3_balance_transfer_fee, 2)}}
  • BarclayCard Ring MasterCard®


    Editor's Rating: 4.0/5.0


    Full Review
    BarclayCard Ring MasterCard®
    This is one of the latest cards from Barclays. It has a flat rate of 8% for everything - purchases, balance transfers, cash advance etc. And they also do not charge any BT fees. This is a really interesting card also because card members get to suggest, choose and vote on new features.
    Interest Saved Annually:
    ${{ROUND(interest_after_1_year-apr_8, 2)}}
    Balance Transfer Fee:
    No BT Fee
    Total Savings:
    ${{ROUND((interest_after_1_year-apr_8), 2)}}
  • US Bank FlexPerk® Travel Rewards Visa Signature®


    Editor's Rating: 4.2/5.0


    Full Review
    US Bank FlexPerk® Travel Rewards Visa Signature®
    In my opinion, this is one of the best cards for travel rewards. And they also offer a very decent 0% deal for BT to encourage new sign ups. I would get this card simply for the travel rewards. But if you have a balance to move over, then it is an added bonus.
    Principal Paid Off In Intro Period (1 Year) :
    {{if(payoff_12_months<13, "Yes", "No")}}
    If yes, # of Months:
    {{if(payoff_12_months>12, 0, payoff_12_months)}}
    Interest Saved Over 1 Year:
    ${{ROUND(interest_after_1_year, 2)}}
    Balance Transfer Fee:
    ${{ROUND(bt_3_or_5, 2)}}
    Total Savings:
    ${{ROUND(interest_after_1_year-bt_3_or_5, 2)}}
  • US Airways Premier World MasterCard


    Editor's Rating: 4.3/5.0


    Full Review
    The US Airways Premier World MasterCard®
    Here is an example of a frequent flier affinity card getting into the BT game, which you do not see too often. For up to $10,000 in transfers, you can earn one mile for every dollar transferred!
    Principal Paid Off In Intro Period (15 Months) :
    {{if(payoff_15_months<16, "Yes", "No")}}
    If yes, # of Months:
    {{if(payoff_15_months>15, 0, payoff_15_months)}}
    Interest Saved Over 15 Months:
    ${{ROUND(interest_after_15_months, 2)}}
    Balance Transfer Fee:
    ${{ROUND(bt_3_or_10, 2)}}
    Annual Fee:
    $89
    Total Savings:
    ${{ROUND(interest_after_15_months-(bt_3_or_10+178), 2)}}
  • US


    Editor's Rating: 3.8/5.0


    Full Review
    US Bank Visa® Platinum Card
    Aside from having a good BT offering, cardholders can also get access to their Experian score (without having to pay for it). This will be attractive to many of you.
    Principal Paid Off In Intro Period (15 Months) :
    {{if(payoff_15_months<16, "Yes", "No")}}
    If yes, # of Months:
    {{if(payoff_15_months>15, 0, payoff_15_months)}}
    Interest Saved Over 15 Months:
    ${{ROUND(interest_after_15_months, 2)}}
    Balance Transfer Fee:
    ${{ROUND(bt_3_or_5, 2)}}
    Total Savings:
    ${{ROUND(interest_after_15_months-bt_3_or_5, 2)}}

There are a few assumptions to the calculator tool that is on this page.

1. Firstly, it assumes that you transfer a lump sum and do not add any more expense to the card.

2. When we calculate the interest savings, we are assuming the rate from your old card. We also assume that you do not add any more charges. The interest is calculated using a monthly compounded off the annual percentage rate (APR). Most issuer actually use daily compounding based on the actual average daily balance. The reason we use the method we choose is to simplify the calculations as it takes up a lot of resources on the servers. The savings may not be precisely what you will be charged, but pretty close.

3. The monthly payment is a fixed amount for the purposes of this calculation. Some of you may choose to pay the minimum payment required (which may vary every month). But we are assuming here you pay a flat amount.

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