Balance Transfer Offers

A balance transfer can slash your credit card interest rate, saving you thousands, even if you pay a fee. We've compared hundreds of offers to find the best for you. Just take a minute to read our 6 simple rules below to avoid any headaches.

1

Never use a credit card at an ATM.

Cash advances on credit cards are incredibly expensive.

2

Always pay on time.

Set up a recurring payment. Late payments can result in loss of the offer and hurt your credit score.

3

Get that transfer done within 60 days.

On most cards, offers are only valid if you complete the transfer within the first 60 days.

4

Don’t spend on the card.

Unless the 0% offer extends to purchases, you will be charged interest on your spending. So do the balance transfer, and keep the card out of your wallet.

5

Don’t try to transfer debt between two cards of the same bank.

0% balance transfers are only valid when transferring from one bank to another.

6

Have a plan for the end of the promotional period.

One month before your rate expires, look for another offer because when the 0% period expires, the interest rate will rise significantly.

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Advertiser Disclosure

Recommended:
Most Transparent

Spiner

savings over 24 mo.

Apply Now

Read Full Review

Recommended:
No balance transfer fees

Spiner

savings over 24 mo.

Apply Now

Read Full Review

* Read Disclaimer

Hot Deals of the Week:

Showing Spiner Card Offers

$548

over 24 months

$46 of monthly savings

Barclay’s Credit Card More Details
  • Interest is not deferred during the promo - as some intro APRs are above 0%, and waiving implies it is 0%.
  • Interest is not deferred during the promo - as some intro APRs are above 0%, and waiving implies it is 0%.
  • Interest is not deferred during the promo - as some intro APRs are above 0%, and waiving implies it is 0%.
  • Interest is not deferred during the promo - as some intro APRs are above 0%.
  • XInterest rate is not known until you apply.
  • XInterest rate is not known until you apply.
  • XInterest rate is not known until you apply.
  • XInterest rate is not known until you apply.
card-name

A+?

Very Transparent

24

months

2.5%

fee

0%

promotional rate