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Best Balance Transfer Credit Cards

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Citi® Diamond Preferred® Card

(1,883 reviews)

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  • 0% for 18 months on Balance Transfers
  • 0% for 18 months on Purchases
  • 14.74% - 24.74% (Variable)
  • $0
  • Excellent
  • Click "APPLY NOW" to apply online
  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

See additional details for Citi® Diamond Preferred® Card

Citi® Double Cash Card – 18 month BT offer

(855 reviews)

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  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
  • 0% for 18 months on Balance Transfers
  • No annual fee and $0 liability on unauthorized charges
  • $0
  • Excellent
  • Click "APPLY NOW" to apply online
  • Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Citi Rewards+℠ Card

(436 reviews)

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  • 0% for 15 months on purchases and balance transfers
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • $0
  • Excellent
  • Click "APPLY NOW" to apply online
  • The Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

See additional details for Citi Rewards+℠ Card

Credit Card Pay Off Loans

  • 620+
  • Up to $50,000
  • Checking Your Rates won't affect your Credit Score (Soft Pull)
  • Pay off your credit cards fast
  • Get up to $50,000 in as little as 24 hours
  • Comparing offers & checking rates won't affect your credit score
  • 620+ credit accepted
  • Low fixed interest rates
  • Low monthly payments
  • Combine multiple monthly payments into one easy to manage payment
  • Terms up to 5 years

See additional details for Credit Card Pay Off Loans


What is a Balance Transfer?

A balance transfer is an incredibly useful tool to get people out of debt faster. It involves transferring your current credit card balance to a new card specifically for its balance transfer introductory APR period.

Currently, you can get a balance transfer card with 0% intro APR on balance transfers for 12, 15, and even up to 18 months. That’s a long time to make interest free payments to pay down your debt faster.

Balance transfers make sense for people with high balances and a high interest rate. If you’re currently paying hundreds in interest rate changes, you could pay $0 in interest rate charges for up to 18 months.

How much can I save by transferring my balance?

Some people save hundreds of dollars when doing a balance transfer, others save thousands. It depends on your current balance and your current interest rate.

The average interest rate for most cards are between 16 – 24%, which means you can save a lot with a card that has 0% interest for 15 or 18 months.

Step by Step: How to do a balance transfer

  1. First apply for a one of the balance transfer cards list above.
  2. Once approved, inform your new card’s issuer that you would like to perform a balance transfer
  3. Provide the information requested by your issuer. (usually bank account numbers and how much debt you want to transfer.
  4. Keep making payments on your current card until the balance transfer goes through.
  5. Keep an eye accounts for when the transfer goes through so you can start paying off the balance on the new card.
  6. Try not to use your old card and instead, if necessary, use the new card to take advantage of the 0% Intro APR promotional period.
  7. Continue to pay down your debt on the new balance transfer card to get out of debt faster.
  8. Once you’re out of debt, do a happy dance!

That’s it. The balance transfer process sounds complicated but is an incredibly useful tool to help people get out of debt faster.

How to compare balance transfer credit cards

The best way to compare balance transfer cards is to look which issuer currently holds your debt. As most banks don’t allow balance transfers from one of their cards to another one of their cards.

Next, determine whether or not you’ll qualify. Most balance transfer credit cards require either good or excellent credit to be approved. If you have average or below average credit, a credit card refinance personal loan likely makes more sense to help pay off your debt.

Then compare 0% Intro APR periods and fees. Some cards charge a 3% balance transfer fee, other charges up to 5%. Also know how long it will take you to pay off your debt. Typically, the longer you have to pay off your debt the better.

Take a look at some of the balance transfer credit cards above that have long introductory 0% APR for up to 15 or 18 months and apply today to get out of debt faster!

Community Discussion

Disclosure: These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.