Balance Transfer

Estimate savings Forcredit andbalance

A balance transfer credit card offers a lower or even zero APR for your credit card debt. We help you estimate how much you may save with each offer based on the amount of your debt and your credit score. Compare your savings and pick the best card to move your debt to.

Chase Slate® photo
Chase Slate®
No annual fee
Apply NowOn Chase bank's secure website
Ongoing APR
Transfer Fee
Balance Transfer Intro APR
We estimate savings as
15.74-24.49%
Variable
0%
0%
for 15 Balance transfer intro apr duration mos
$201.71
  • Card Details
  • Pay no balance transfer fee when you transfer a balance during the first 60 days your account is open.
  • 0% intro APR for 15 months on purchases and balance transfers from account opening. After that, 15.49%–24.24% variable APR.
  • You can check your monthly FICO® Score, as well as monitor and better understand the five main attributes that drive your credit health – all for free with Slate®.
  • You won't have to pay an annual fee for all the great features that come with your Slate card.
  • Paying late won't raise your interest rate (APR). See terms.
  • Pros
  • 0% APR on purchases for 15 month
  • 0% balance transfer APR for the first 15 billing cycles
  • No balance transfer fee
  • No annual fee
  • Cons
  • No rewards

Our Take

The Chase Slate® card may provide you with a 15-month period free of any interest. Transfer your high-interest balances to this card and make the most of this marvelous opportunity to pay down your debt.

Blue Cash Everyday® Card from American Express photo
Blue Cash Everyday® Card from American Express
No annual feeCash Back
Apply NowOn American Express bank's secure website
Ongoing APR
Transfer Fee
Balance Transfer Intro APR
We estimate savings as
17.24-27.24%
Variable
2.7%
0%
for 12 Balance transfer intro apr duration mos
$138.45
  • Card Details
  • Apply by 1/11/17 to earn 10% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200.
  • Earn $100 back after you spend $1,000 in purchases on the Card within the first 3 months of Card Membership.
  • No annual fee.
  • 0% intro APR on purchases and balance transfers for 12 months. After that, your APR will be a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
  • Earn 3% Cash Back at U.S. supermarkets, up to $6,000 per year in purchases (then 1%).
  • Earn 2% Cash Back at U.S. gas stations & select U.S. department stores.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Pros
  • No annual fee
  • 0% APR for purchases and balance transfer for 12 month
  • Competitive cash back on groceries
  • Good cash back rate on gas
  • Cons
Blue Cash Preferred® card from American Express photo
Blue Cash Preferred® card from American Express
Cash Back
Apply NowOn American Express bank's secure website
Ongoing APR
Transfer Fee
Balance Transfer Intro APR
We estimate savings as
13.74-23.74%
Variable
3%
0%
for 12 Balance transfer intro apr duration mos
$132.45
  • Card Details
  • Apply by 1/11/17 to earn 10% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200.
  • Earn $150 BACK after you spend $1,000 in purchases on the Card within the first 3 months of Card Membership.
  • Earn 6% Cash Back at US supermarkets, up to $6,000 per year in purchases (then 1%).
  • Earn 3% Cash Back at US gas stations and select US department stores.
  • Earn 1% Cash Back on other purchases.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Pros
  • Leading cash back on groceries
  • Great cash back on gas
  • 0% APR on purchases and balance transfer for 12 month
  • Cons
  • Annual fee of $95
BankAmericard Cash Rewards™ Credit Card photo
BankAmericard Cash Rewards™ Credit Card
No annual feeCash Back
Apply NowOn Bank of Amerika bank's secure website
Ongoing APR
Transfer Fee
Balance Transfer Intro APR
We estimate savings as
13.74-23.74%
Variable
3%
0%
for 12 Balance transfer intro apr duration mos
$132.45
  • Card Details
  • 1% cash back on every purchase, 2% at grocery stores and now at wholesale clubs and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
  • Introductory 0% APR for your first 12 billing cycles for purchases, and for any balance transfers made within 60 days of opening your account.
  • $100 online cash rewards bonus if you make at least $500 in purchases in the first 90 days.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account.
  • If you're a Bank of America Preferred Rewards client, you could increase that bonus to 25% - 75%.
  • There's no annual fee, no expiration on rewards and with no changing categories to follow, you always know where and how you're earning rewards.
  • Complete your application and get a response in as little as 60 seconds.
  • Pros
  • 0% APR intro offer for 12 months on purchases and balance transfer
  • No annual fee
  • 2% cash back on groceries and 3% on gas limited to $2500 in mixed spendings per quarter
  • $100 bonus
  • Cons
  • 1% cash back on all purchases is not a top-notch offer
Discover it® Card photo
Discover it® Card
No annual feeCash Back
Apply NowOn Discover bank's secure website
Ongoing APR
Transfer Fee
Balance Transfer Intro APR
We estimate savings as
15.24-27.24%
Variable
3%
0%
for 12 Balance transfer intro apr duration mos
$132.45
  • Card Details
  • No annual fee.
  • Earn 5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com, Sam's Club and more on up to $1,500 in purchases every quarter you activate.
  • 1% cash back or more on all other purchases.
  • Discover automatically matches all the cash back you earn dollar for dollar at the end of your first year. Only for new cardmembers.
  • Redeem your rewards for cash in any amount, any time. Your cash back never expires.
  • Paying late won't raise your APR. No late fee for your first late payment.
  • Freeze your account in seconds with an on/off switch on either the mobile app or website to prevent new purchases.
  • Pros
  • 0% Intro APR for 12 months on purchases and balance transfers
  • No annual fee
  • Cons
  • 3% fee for each balance transfer
  • No sign-up bonus