A lot has been written about taking advantage of transfer credit cards. They can be very lucrative if chosen correctly. Balance transfers will save you money and effort. Take your time to review best bank rates presented on this page. Compare them carefully and select what is more beneficial for you. You can apply for any of the cards now. Every card has on-line application option.

Best Expert Opinions

0% APR on Purchases & BT,
No Annual Fee

Discover® Card
Discover® More Card

0% intro APR on balance transfers for a full 15 months, then the Regular APR.
0% intro APR on purchases for a full 6 months, then the Regular APR.
5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more.
Up to 1% unlimited Cashback Bonus on all other purchases.
No Annual Fee.
5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall.
Unlimited cash rewards that never expire.
Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards or instant eCertificates from over 100 brand-name Partners.
Flexible redemption options with no redemption fee. Choose from Partner gift cards, merchandise, Discover gift cards, credit to your Discover card account or an electronic deposit to your bank account.

0% APR on Balance Transfers for 15 months

Citibank
Citi® Dividend Platinum Select® MasterCard®

0% Intro APR on Balance Transfers for 15 months. After that, the APR will be 12.99%-20.99% based on your creditworthiness.²⁶ This APR will vary with the market based on the Prime Rate.
No annual fee.²⁶
Earn 5% cash back at restaurants and on car rentals and hotels from 7/1/10 to 9/30/10. Enrollment required each quarter.
Full 1% cash back on eligible purchases and cash advances.
Earn extra cash back on popular, rotating categories each quarter.
Average 5% additional cash back through Citi Bonus Cash Center®.

0%APR for 12 months: BT & Purchases

Citibank
Citi® Diamond Preferred® Card

0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 14.99%. This APR will vary with the market based on the Prime Rate.
No annual fee.²⁶
Concierge service that caters to your needs 24/7.
Citi® Identity Theft Solutions.
Secure, free online account management.

Purch.--Purchases, Bal.Tr.--Balance Transfers, n/a--Not Applicable

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Topic: Better Bank Rates Along with Balance Transfers

I\'m looking for a credit card that will allow me to transfer a balance, has a 0% promotional rate, and doesn\'t have a balance transfer fee. Do you know of any cards like that? If not, I might still be interested in a card even if it has a balance transfer fee. I had a question though. If the fee is, for example, $75...What will the interest rate be on the fee itself? In other words, is it a \"cash advance\" with a really high 20% rate or something? So this would mean that I would have to make the monthly minimum payment amount PLUS interest on the balance transfer fee amount, right? Also, I\'ve heard that any payments I make go to the lowest interest rate amount on my credit card. So even though I was making the monthly payment amounts interest would be compounding on the $75 balance transfer fee and none of my payments would reduce that amount. Please let me know if that\'s a correct assessment of the way credit card fees work...I need your advice. Thanks ahead of time, Blair

A balance transfer fee is a one-time fee charged for transferring a balance from one card to another. Now most lenders charge 3% of the amount transferred. These fees may be capped, like $75 or $90 maximum, or uncapped, meaning that you will pay 3% of the balance transferred with no maximum.

In other words, if you plan transferring $10,000, you will pay $300 as a balance transfer fee. So, if your high-rate balance is big, it makes sense to choose the card with a capped balance transfer fee. Anyway, you've got a better choice, i.e. cards with no balance transfer fee.

Clear from American Express is a unique card as it comes with no credit fees, and a balance transfer fee is no exception. The thing is, this card gives a 0% introductory APR on purchases, and a low fixed APR on balance transfers. If your balance is big enough, you have all the chances to benefit from this card, as it's more convenient to pay off your heavy balance with a low fixed rate balance transfer card.

More Card and More Card - Clear by Discover can also be a smart choice for you. First and foremost, these cards give 0% rates on balance transfers for 12 months, and you will be charged a capped balance transfer fee of $75 maximum. All the more so, these cards have no annual fee, so you will have no unnecessary charges associated with credit maintenance. Review these options and make your choice depending on the amount of your balance. If you know for sure that you can pay off the entire balance within the introductory period, choose the cards that give you a 0% intro APR. If your debts are too heavy, a low fixed rate card with no fees will be the right choice.

I'm looking for a card for balance transfer of a Discover and Visa card. I have fair credit. Can you help?

If you want to benefit from transferring your balance onto a new card, you need to have good credit. All best buy balance transfer cards are designed for good and excellent credit history.As for fair plastics that come with a low ongoing APR on balance transfers, they do exist. You may consider Platinum and Platinum - Visa by Capital One. They both come with a low rate APR on purchases and balance transfers. If you're carrying a heavy balance on a high-rate card, one of these Capital One cards will be a smart choice. Another advantage of these credit offers is that they come with no balance transfer fees. It means you need to pay nothing for transferring your balance from one card to another.You may also review Classic Platinum by Capital One. Although this plastic comes with a bit higher APR compared with the above-mentioned offers, it has a lower annual fee, plus no balance transfer fees. So, it can be a good option for a borrower with fair credit.

I was promised a 3.9 balance transfer rate on my Spirit Airline card by Barclay. When I got my first bill it was 21%. I was told by customer service that although I was promised 3.9% on 01/15/09 by the time it was processed on 01/19/09 the promotion was over so I got the 21% rate. I would like to know how you can just change the rate without consulting me? I didn\'t want to do the balance transfer for that rate? It is not fair? Do you buy something on sale and than when delivery comes the price changes? I contacted the Better Business Bureau because Customer Service was extremely unhelpful. They were a broken taperecorder just repeating the promotion was over on 01/17/2009. They didn\'t get it. I was promised one rate and I got another rate. It is unethical, fraudulant and against the law. What should I do?

First, it should be said that we are not a credit company, we do not issue credit cards, and we are not responsible for any damage of any kind from your dealings with the issuer.

When it comes to promotions, one should be extra careful about the terms and time frames. Sad to say, but judging by your words, you really missed that promotion and the rate you have now is high but it is not fair. The issuers reserve the right to change your interest rates at any time.

You can either negotiate this problem with your issuer and your rate may be lowered, or transfer your balance onto another card with 0% APR. But next time don't wait till the last minute - transfer your balance as soon as quick as possible to make the most of the introductory interest rates.

do you have any balance transfer offers for 4.99 or less fixed til paid? i have about 5000 dollars in credit card debt. my credit is great. pleases reply

You can find balance transfer deals with low fixed rates, but these rates are fixed only during the introductory period. If you've got good credit and you want to pay down your balance on good terms, then you'd do best to consider balance transfer cards with a 0% introductory APR. In view of the fact that all balance transfer cards now charge a 3% balance transfer fee, cards with a 0% initial APR on balance transfers can be the best option for you.You can browse through the Discover credit card offers that come with no annual fees and a 0% introductory APR on balance transfers for up to 12 months. Also review the Discover® More® Card, More® Card – Clear or Discover® Open Road® Card. Each of these balance transfer deals can help you save big on interest costs when paying down your balance. The best thing about these offers is that they feature a 0% introductory APR for up to 12 months. The length of the introductory period is very important to check. Also, you will have an excellent opportunity to pay your balance off in full during the introductory period!Check through these Discover® credit card offers, compare their features, and submit your application online!

I have transferred balances in the past. Most don\'t tell you up front how much they will let you transfer. You don\'t until you have completed the transfer. For example, I transferred $4,000 to a new card but they only paid off $2500. So I ended up with two debts instead of one. How can I find out how much I can transfer before it\'s too late.

You may transfer as much as your card’s limit will permit. Unfortunately, it is next to impossible to know the amount of credit limit beforehand because a bank considers various factors such as your ability to repay credit, level of your debt, your employment stability, etc. before it sets you a credit limit.

When you apply for a new credit card to transfer your balance or combine two or more debts into one credit card, it is better to make a transfer only after you get approved and when you know the credit limit on your card.