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by using a balance transfer card.

Start Saving Money ASAP With Balance Transfer Cards From Our Partners

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on U.S. Bank's website

Great for: Long 0% Intro APR period
NerdWallet Rating
  • 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 17.99% - 28.99%.
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S. Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
  • Choose a payment due date that fits your schedule.
  • No Annual Fee
  • Terms and conditions apply.
  • View Rates and Fees
See card details
  • 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 17.99% - 28.99%.
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S. Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
See card details
Securely with U.S. Bank

Intro Balance Transfer APR

0%

Intro Purchase APR

0% for 18 Months

Annual Fee

$0

Ongoing APR

17.99%-28.99% Variable APR

Recommended Credit Score

690 - 850

Good - Excellent
See NerdWallet's pros & cons
VIEW RATES AND FEES
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Apply Now

on Citibank's application

Great for: Longest 0% APR Period
NerdWallet Rating
  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.49% - 29.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Stay protected with Citi® Quick Lock
See card details
  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.49% - 29.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
See card details
Securely with Citibank

Intro Balance Transfer APR

0%

Intro Purchase APR

0% for 12 Months

Annual Fee

$0

Ongoing APR

18.49%-29.24% Variable APR

Recommended Credit Score

690 - 850

Good - Excellent
See NerdWallet's pros & cons
VIEW RATES AND FEES
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Apply Now

on Bank of America's website

Great for: Cost-Effective Balance Transfer
NerdWallet Rating
  • 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 15.74% - 25.74% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • No annual fee.
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
See card details
  • 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 15.74% - 25.74% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • No annual fee.
See card details
Securely with Bank of America

Intro Balance Transfer APR

0%

Intro Purchase APR

0% for 18 billing cycles

Annual Fee

$0

Ongoing APR

15.74%-25.74% Variable APR

Recommended Credit Score

690 - 850

Good - Excellent
See NerdWallet's pros & cons

Discover it® Balance Transfer offers 0% intro APR on Purchases for 6 months and 0% intro APR on Balance Transfers for 18 months.

Use the right tools for the job

Credit card debt stings. The good news, however, is there’s a way to pay it down with less money in a shorter time. How? By moving your debt to a balance transfer card, which is a credit card that offers a lengthy 0% interest period. Unlike an everyday credit card (which charges interest on balances you carry from month to month), balance transfer cards give you time to pay down debt while preventing interest charges from stacking up.

Take advantage of introductory 0% APRs

When you’re paying down debt, interest rates matter – a lot. For example, compare the difference between paying down an $18,000 debt on a 21% APR card and a 0% balance transfer card. The latter will typically charge you a one-time fee of 3 to 5% on the balance transferred (or a $5 minimum fee, whichever is greater). Then, you won’t be charged any interest on your transferred balance for the duration of the 0% intro APR period. Using the balance transfer card could save you around $2,599, even after paying a 3% transfer fee of $540, assuming the debt is repaid in full within the 0% intro interest period (in this example case, 18 months). As a heads up, the amount you may qualify to transfer and save depends on a variety of factors including your credit worthiness.

How to choose the right balance transfer card

Know the fees
Know the fees
Make sure you factor in the balance transfer fee (typically 3% to 5%) when choosing a card.
Avoid paying interest
Avoid paying interest
To get the most savings, aim to pay off your debt before interest kicks in.
Use a different provider
Use a different provider
You can’t transfer balances between cards from the same issuer. So be sure to apply to a different issuer.
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