Best Balance Transfer Credit Cards
Find the best balance transfer credit cards. Apply Credit Card offers hundreds of credit cards allowing you to compare and apply for balance transfer credit cards online. Normally when selecting a balance transfer credit card the transfer interest rate, length of the rate and transfer fee are considered therefore when determining which is best for you keep consider these items. Other items to consider are the annual fee and interest rate once the transfer rate expires.
Best Balance Transfer Credit Cards
| Annual Fee | Transfer Fee | Transfer APR | Intro APR | Regular APR | Recommended Credit | ||
|---|---|---|---|---|---|---|---|
 |
  |
$495 | 3% | 9.99% | 9.99% | 13.24% | EXCELLENT CREDIT |
 |
|
$0 | 3% | 17.24% | 0.00% | 17.24 | EXCELLENT CREDIT |
 |
|
$0 | 3% | 15.24% | 0.00% | 15.24 | EXCELLENT CREDIT |
 |
|
$95 | 3% | 9.99% | 14.50% | 14.5% | GOOD CREDIT |
 |
|
$150 | 3% | 9.99% | 14.50% | 14.5% | EXCELLENT CREDIT |
 |
|
$65 | 3% | 2.90% | 2.90% | 15.24% | EXCELLENT CREDIT |
 |
|
$0 | 3% | 15.24% | 0.00% | 15.24% | EXCELLENT CREDIT |
 |
|
$0 | 3% | N/A | 0.00% | as low as 13.99% | POOR CREDIT |
 |
|
$0 | 4% | 0.00% | 0.00% | 11.99% - 20.99% | EXCELLENT CREDIT |
 |
|
$0 | 3% | 0.00% | 0.00% | 10.99% - 16.99% | EXCELLENT CREDIT |
 |
|
$0 | 4% | 3.99% | 3.99% | 11.99% - 20.99% | EXCELLENT CREDIT |
 |
|
$0 | N/A | N/A | 0.00% | as low as 13.99% | POOR CREDIT |
 |
|
$0 | 4% | 0.00% | 0.00% | As low as 11.99% | EXCELLENT CREDIT |
 |
|
$60 | 3%-5% | 0.00% | 0.00% | 10.99% - 16.99% | EXCELLENT CREDIT |
 |
|
$0 | 3% | 0.00% | 0.00% | 11.99% - 20.99% | EXCELLENT CREDIT |
 |
|
$0 | 0% | 0.00% | 0.00% | 11.99% - 20.99% | EXCELLENT CREDIT |
 |
|
$0 | 4% | 0.00% | 0.00% | 11.99% - 20.99% | EXCELLENT CREDIT |
 |
|
$0 | 3% | 0.00% | 0.00% | 11.99% - 20.99% | EXCELLENT CREDIT |
 |
|
$0-$79 | N/A | 24.90% | 24.90% | 7.90% - 28.90% | BAD CREDIT |
 |
|
$0-$79 | N/A | 14.90% | 14.90% | 7.90% - 28.90% | GOOD CREDIT |
 |
|
$0 | 2% | 1.99% | 7.25% | 7.25% | GOOD CREDIT |
 |
|
$0 | 2% | 1.99% | 9.25% | 9.25% | GOOD CREDIT |
 |
|
$0 | 2% | 1.99% | 9.25% | 9.25% | EXCELLENT CREDIT |
 |
|
$35 | 3% | 0.00% | 0.00% | 7.50% | EXCELLENT CREDIT |
 |
|
$20 | 0% | 3.25% | 11.25% | 11.25% | GOOD CREDIT |
Credit Card Balance Transfer
There are several reasons you may want to consider a credit card balance transfer. The approach is generally to take high interest debt and transfer to a credit card that has lower interest. Often the lower interest is for a fixed amount of time, however some balance transfer offers are for the life of the balance. It is highly recommended that once you transfer a balance to the credit card it is not used for purchases. The reason for this is that the purchases will most likely be charged at a higher interest rate and you will have to pay off the lower interest rate balance on the card before you are able to pay off the higher interest rate balance. This can wipe out any gains from transferring the balance in the first place. Therefore once you transfer a balance onto the card, put the card away until the balance is paid off. Keep in mind that balance transfer interest rate is normally a special rate that assumes you make all your payments on time. Missed payments or a negative impact to your credit rating can cause your credit card balance transfer interest rate to increase.
Apply Balance Card Credit Transfer
When considering which credit card to apply balance card credit transfer, pay attention to the balance transfer fee. Years ago there was no fee for balance transfer but now many banks charge a 3% of the balance transferred fee. It used to be that the fee was limited to $50 or $100, no matter how large a balance was transferred. Therefore if you charged a larger balance the fee was a small percentage and could be offset by the savings from the lower interest rate. However some banks no longer have a limit on the amount of this fee, therefore the fee is 3% of the entire balance transferred. This can greatly offset the savings from transferring the balance, and if the balance transfer off is only for 6 months it may limit the saving altogether. Therefore when considering the best balance transfer credit cards, make sure to check the transfer fee.