The smartest way to cope with your credit card debt is to consolidate it on one card account with the lowest rates. Consider some attractive balance transfer promotional offers to save on interest while paying down your credit card debt.

Citi Simplicity® photo Citi Simplicity® Apply Now on Citi’s secure website.
Intro period:
21mo
Balance Transfer Intro APR:
0%

0% introductory APR for 21 months from date of first transfer when transfers are completed within 4 months from date of account opening.

Transfer Fee:
3%
Annual Fee:
$0

Citi Simplicity®

If you have an excellent credit score and want to get rid of your credit card debt, Citi Simplicity® provides you with a wonderful opportunity for balance transfers – 21 months with no interest at all.

The whole offer sounds even more interesting. Keeping in mind your credit limit, you may transfer balances from your other credit cards with higher interest rates to the Citi Simplicity® account and pay down the total debt at no cost and at your own pace within 21 months. The best part is that the interest is waived not deferred. So, even if you don’t manage to pay down the entire balance before the end of the intro period, interest will be charged only on the unpaid part of your debt.

Please note that the offer has a balance transfer fee equal to 3% of each transfer. However, this downside is balanced with no fee for late payments. Also, bear in mind that if you want to benefit from the offer, transfer balances within the first four months of account opening.

  • No annual fee;
  • No late fees;
  • No penalty APR increases;
  • Intro APR of 0% on balance transfers for 21 months;
  • Intro APR of 0% on purchases for 21 months.
  • No rewards program;
  • $5 or 3% balance transfer fee whichever is greater.

Citi Simplicity® has the longest introductory offer for balance transfers, pick it if you require more time to pay down your credit card debt.

Citi® Diamond Preferred® Card photo Citi® Diamond Preferred® Card Apply Now on Citi’s secure website.
Intro period:
21mo
Balance Transfer Intro APR:
0%

0% introductory APR for 21 months from date of first transfer when transfers are completed within 4 months from date of account opening.

Transfer Fee:
3%

Either $5 or 3% of the amount of each transfer, whichever is greater.

Annual Fee:
$0

Citi Diamond Preferred® Card

The Citi Diamond Preferred® Card is another tremendous opportunity for people with an excellent credit score willing to consolidate their credit card debt.

Its balance transfer offer is the same as from Citi Simplicity®: a 21-month introductory period, a 3% balance transfer fee and waived interest.

What is different here is that the Citi Diamond Preferred® Card has a little bit lower APR after the intro period and treat its owners as VIPs. Special treatment means that its cardholders may benefit from Citi® Concierge and Citi® Private Pass® services. However, this card charges late fees.

  • No annual fee;
  • Intro APR of 0% on balance transfers for 21 months;
  • Intro APR of 0% on purchases for 21 months;
  • Citi® Concierge service;
  • Citi® Private Pass® service.
  • No rewards program;
  • $5 or 3% balance transfer fee whichever is greater.

All else being equal, pick the Citi Diamond Preferred® Card not Citi Simplicity® if you make payments on time, like going out or need assistance with travel bookings.

Chase Slate® photo Chase Slate® Apply Now on Chase’s secure website.
Intro period:
15mo
Balance Transfer Intro APR:
0%

0% Intro APR for the first 15 billing cycles that your Account is open. After that, 15.49% to 24.24%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.

Transfer Fee:
5%

$0 Intro fee on transfers made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.

Annual Fee:
$0

Chase Slate®

Chase Slate® opens a tremendous debt consolidation opportunity for its new cardholders with a good to excellent credit score.

This balance transfer promotional offer lasts 15 months and charges neither interest nor balance transfer fees if you transfer balances within the first 2 months of account opening.

  • No annual fee;
  • No fee on balance transfers if made within 60 days of account opening;
  • Intro APR of 0% on balance transfers for 15 months;
  • Intro APR of 0% on purchases for 15 months.
  • No rewards program.

If you’re looking for a no cost solution to consolidate your credit card debt and want to save on interest while paying down your debt, choose Chase Slate®.

Barclaycard Ring™ Platinum MasterCard® photo Barclaycard Ring™ Platinum MasterCard® Apply Now on Barclaycard’s secure website.
Intro period:
15mo
Balance Transfer Intro APR:
0%

0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.

Transfer Fee:
0%
Annual Fee:
$0

Barclaycard Ring™ Platinum MasterCard®

A balance transfer offer from Barclaycard Ring™ Platinum MasterCard® is one of the most cost-effective solutions but it is available only to people with an excellent credit score.

What makes this offer so attractive is no balance transfer fee. Also if you transfer a balance within 1.5 month of account opening, you enter a 15-month intro period with 0% APR on balance transfers. All together that means that you consolidate and repay your debt without any additional costs. In case you still carry a balance after the end of the intro period, 13.99% APR will be applied to it.

  • No annual fee;
  • No fee on balance transfers if made within 45 days of account opening;
  • No foreign transaction fee;
  • Intro APR of 0% on balance transfers for 15 months;
  • Regular APR of 13.99% on purchases, balance transfers and cash advances;
  • Profit sharing feature is available to all the cardmembers.
  • Relatively high approval requirements.

Consolidate your debt and pay it down for 15 months without any interest and any balance transfer fees with Barclaycard Ring™ Platinum MasterCard®.

Discover it® Card photo Discover it® Card Apply Now on Discover’s secure website.
Intro period:
14mo
Balance Transfer Intro APR:
0%
Transfer Fee:
3%
Annual Fee:
$0

Discover it® Card

The Discover it® Card is a set of various offers which allow you to save on interest while transferring balances and earn rewards on everyday purchases at the time. The card is available to people with a high credit score only.

The balance transfer offer from the Discover it® Card may look rather modest since it lasts only for 14 months. However, it is accompanied with other promotional offers – 14 months with no interest on purchases and cash back match after the year of using the card. This combination allows you not only to save on interest while repaying your credit card debt, but also earn some cash while making your everyday purchases.

  • No annual fee;
  • No foreign transaction fee;
  • No late fee for the first late payment;
  • Intro APR of 0% on balance transfers for 14 months;
  • Intro APR of 0% on purchases for 14 months
  • Generous cash back program.
  • 3% balance transfer fee.

If you want to transfer small balances to a single card account with no interest and earn cashback with that same card, the Discover it® Card may be your option.

How we choose our best cards

For this rating we have chosen credit cards with promotional periods for balance transfer offers which last over one year. All of them allow you to save on interest while paying down your credit card debt. These offers are available only to people with a good to excellent credit score. Manage your debt in a smart way!