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 |  | Balance TransfersCompare Balance Transfer Credit Cards and Apply Online |
Are you currently carrying a balance on a credit card? Move your balance down by reducing your interest rate. Getting a new credit card with low or promotional 0% interest on balance transfers can help. Use the money you're saving in interest payments to pay down the balance of the credit card.
  Balance Transfers | | - Earn Cashback Bonus for your good credit management
- 0% Intro APR on purchases and balance transfers for 15 months, then the variable purchase APR of 10.99% - 20.99%*
- Up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
- Ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S. based Account Manager within 60 seconds
| | | | Intro APR for Purchases | Intro APR for Balance Transfer | APR as low as | Annual Fee | 0% | 0% | 10.99% - 20.99% (Variable) | $0 |
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| | - Earn up to $120 in travel rewards - 1,000 Bonus miles every month you make a purchase for the first year
- 1 mile on every $1 you spend
- 0% intro APR on purchases and balance transfers for 6 months, then the variable standard purchase APR of 10.99% - 16.99%*
- No restrictions on travel - fly on any airline, book any hotel or car, with no blackout dates
- Flexible redemption options like travel credits, merchandise, gift cards or cash
| | | | Intro APR for Purchases | Intro APR for Balance Transfer | APR as low as | Annual Fee | 0% | 0% | 10.99% - 16.99% (Variable) | $0 |
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| | - Earn up to $250 in travel rewards - 1,000 Bonus miles every month you make a purchase for the first 25 months
- Double Miles on every $1 you spend
- 0% intro APR on purchases and balance transfers for 6 months, then the variable APR of 10.99% - 16.99%*
- No restrictions on travel - fly on any airline, book any hotel or car, with no blackout dates
- Flexible redemption options like travel credits, merchandise, gift cards or cash
| | | | Intro APR for Purchases | Intro APR for Balance Transfer | APR as low as | Annual Fee | 0% | 0% | 10.99% - 16.99% (Variable) | $60 |
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| | - 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 11.99% - 20.99%*
- 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 11.99% - 20.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S. based Account Manager within 60 seconds
| | | | Intro APR for Purchases | Intro APR for Balance Transfer | APR as low as | Annual Fee | 0% | 0% | 11.99% - 20.99% (Variable) | $0 |
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| | - 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.
- Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
- Citi® Identity Theft Solutions
- Secure, free online account management
- No annual fee*
| | | | Intro APR for Purchases | Intro APR for Balance Transfer | APR as low as | Annual Fee | 0% | 0% | 11.99% - 21.99% (Variable) | $0 |
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| | - 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.
- 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more
- Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass(R).
- Exciting deals and savings for great brands through Citi Specials
- $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
| | | | Intro APR for Purchases | Intro APR for Balance Transfer | APR as low as | Annual Fee | 0% | 0% | 11.99% - 21.99% (Variable) | $0 |
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| | - Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
- 0% Intro APR for 12 months on balance transfers and 6 months on purchases
- 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12.
- You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
- Unlimited 1% Cash Back on all other purchases
| | | | Intro APR for Purchases | Intro APR for Balance Transfer | APR as low as | Annual Fee | 0% | 0% | 11.99% - 22.99% (Variable) | $0 |
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| | - Receive a $150 Restaurant.com Gift Certificate with first purchase
- 0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 11.99% - 20.99%*
- 2% automatically at gas stations and restaurants all year long*
- Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
| | | | Intro APR for Purchases | Intro APR for Balance Transfer | APR as low as | Annual Fee | 0% | 0% | 11.99% - 20.99% (Variable) | $0 |
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| | - $250 gift card - When you redeem the 25,000 bonus ThankYou® Points received after $2,000 in purchases within 3 months of account opening.
- Earn 1 point for every $1 you spend on all purchases
- Receive an anniversary bonus every year you’re a cardmember
- No expiration and no limit on the points you can earn
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
| | | | Intro APR for Purchases | Intro APR for Balance Transfer | APR as low as | Annual Fee | | - | - | 12.99% - 22.99% (Variable) | $0 |
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| | - 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.
- Peace of mind through direct access to a service representative, no late fees and no penalty rate
- No annual fee*
| | | | Intro APR for Purchases | Intro APR for Balance Transfer | APR as low as | Annual Fee | 0% | 0% | 12.99% - 21.99% (Variable) | $0 |
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Balance Transfers BenefitsTop 4 Balance Transfer Credit Card BenefitsWith all of the available credit cards that are out there these days, it can be hard to know which card is right for you. Balance transfer credit cards are a great option for you to consider as they can help you pay off debt faster while saving you money. - Save money
Everyone is looking for ways to save money and a balance transfer credit card could be the answer for you. By transferring your balances from high rate credit cards to a lower rate card, you will be paying less interest.
Many balance transfer credit cards also offer introductory rates. Sometimes, these rates are as low as 0% for the first 6 months! This means you won’t have to pay any interest for the introductory period, which leads to huge savings!
Here’s an example of the savings you could get when you take advantage of a balance transfer credit card. Let’s say you currently have $3,000 on a credit card with 24%APR. You decide to do a balance transfer to a card with 13%APR; this new card is also offering an introductory rate of 3% for 6 months. You will save $483just in the first year of the balance transfer!
- Pay off debt
Balance transfers also help you pay off your debts faster. This is because you will have less debt to pay off. Sure, the balance is the same as with your existing card but because you will owe less in interest, you will owe less in the long run.
One great way to pay off your debt quicker with the help of a balance transfer credit card is to continue making the same monthly payments that you are currently paying. You will see that your monthly minimum payment will be lower with the new lower rate. But if you keep paying the same minimum payment as you were before, you could shave years off the time that it takes to pay off the balance!
- Increase your buying power
A new credit card will also boost your buying power. Balance transfer credit cards often have higher limits than a regular credit card. This means that you will have more credit available to you with your upcoming purchases. This is a valuable benefit if you plan on purchasing furniture, electronics, appliances or other big tag items in the near future. Just be sure to be responsible with that new limit!
- Increase your credit score
Being responsible with your balance transfer credit card will also help you increase your credit score. Many people do not realize that credit scores take into consideration their debt-to-limit ratio. This is the percentage of your credit card limits that you are currently using. In other words, the higher your balances, the more it affects your score.
As mentioned previously, transferring your balances to a lower rate card will help you pay off your debt quicker. This will automatically help you boost your credit score. This is a good thing, especially if you have your eye on a new ride or are in the market for a new house. Every little thing helps when it comes to your credit and future interest rates.
Articles on Balance Transfers
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