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Transferring your credit card balance or balances to a lower interest rate card can save you money.
If you do not transfer to a fixed rate (or even if you do because fixed doesn't mean fixed forever) there are three figures of prime importance: the rate you are getting, how long it lasts and what it jumps to when that rate is over. With a fixed rate you may not know when it will change, but there will at least be a guaranteed period before it can change.
Here are some basic questions to ask as you comb through that low-rate credit card offer:
Another key thing to determine is whether there's a fee for transferring the balance. Some issuers charge transaction fees as high as 5 percent. So the higher the balance, the higher the transaction fee. A 5 percent fee on a $5,000 balance would cost $250. Some companies cap transfer fees at $29 to $75.
![]() Ongoing APR: As low as Prime - 1.00% (Currently 4.00%)
APR for Balance Transfers: 0.00% (for 6 Billing Periods) |
IberiaBank Visa® Classic
Get more info about the IberiaBank Visa® Classic |
![]() Ongoing APR: As low as Prime - 1.00% (Currently 4.00%)
APR for Balance Transfers: 0.00% (for 6 Billing Periods) |
IberiaBank MasterCard®
Get more info about the IberiaBank MasterCard® |
![]() Ongoing APR: As low as Prime + 2.99% (Currently 7.99%)*
APR for Balance Transfers: 0.00% (for twelve billing cycles*) |
Bank of America Platinum Plus® Visa® Card
Get more info about the Platinum Plus® Visa® Card |
![]() Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as 8.99% APR for Balance Transfers: 0.00% (for 12 Months) |
HSBC Weekend Card
Get more info about the HSBC Weekend Card |
![]() Ongoing APR: Prime + 0.24% (Currently 5.24%)
APR for Balance Transfers: 0.00% (for 15 Months) |
Advanta Custom Platinum BusinessCard with Rewards
Get more info about the Advanta Custom Rewards Card |
![]() Ongoing APR: As low as Fixed 9.9%
APR for Balance Transfers: 0.00% (for twelve billing cycles*) |
Wyndham Rewards MastercardSM
Get more info about the Wyndham Rewards MastercardSM |
![]() Ongoing APR: Fixed 9.9%*
APR for Balance Transfers: 0.00% (for twelve billing cycles*) |
Bank of America® Accelerated Rewards™ American Express® Card
Get more info about the Rewards™ Amex Card |
![]() Ongoing APR: As low as Fixed 9.99%*
APR for Balance Transfers: 0.00% (for twelve billing cycles*) |
Bank of America WorldPoints™ Platinum Plus® Card
Get more info about the WorldPoints™ Platinum Card |
![]() Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99% APR for Balance Transfers: 0.00% (for *) |
Discover® MoreSM Card - Wildlife Collection
Get more info about the Discover® MoreSM Card - Wildlife |
![]() Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99% APR for Balance Transfers: 0.00% (for *) |
Discover® Open RoadSM Card
Get more info about the Discover® Open RoadSM Card |
![]() Ongoing APR: As low as Fixed 9.9%*
APR for Balance Transfers: 0.00% (for twelve billing cycles*) |
NFL Extra Points™ Platinum Plus® Visa®
Get more info about the NFL Extra Points Visa® Card |
![]() Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99% APR for Balance Transfers: 0.00% (for *) |
Discover® MoreSM Card - Sealife Collection
Get more info about the Discover® MoreSM Card - Sealife |
![]() Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99% APR for Balance Transfers: 0.00% (for *) |
Discover® MoreSM Card - Clear
Get more info about the Discover® MoreSM Card - Clear |
![]() Ongoing APR: As low as Fixed 9.9%*
APR for Balance Transfers: 0.00% (for twelve billing cycles*) |
NASCAR RacePointsSM Platinum Plus® Visa® Card
Get more info about the NASCAR RacePoints Visa® Card |
![]() Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99% APR for Balance Transfers: 0.00% (for *) |
Discover® MoreSM Card - American Flag
Get more info about the Discover® MoreSM - American Flag |
![]() Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99% APR for Balance Transfers: 0.00% (for *) |
Discover® MoreSM Card
Get more info about the Discover® MoreSM Card |
![]() Ongoing APR: Prime + 0.24% (Currently 5.24%)
APR for Balance Transfers: 0.00% (for 15 Months) |
Advanta Platinum with Rewards
Get more info about the Advanta Platinum with Rewards |
![]() Ongoing APR: As low as Fixed 9.99%*
APR for Balance Transfers: 0.00% (for twelve billing cycles*) |
Brighter Planet™ Visa® Credit Card
Get more info about the Brighter Planet™ Visa® Card |
![]() Ongoing APR: As low as Fixed 9.9%*
APR for Balance Transfers: 0.00% (for twelve billing cycles*) |
BoatU.S. WorldPoints® Platinum Plus® Visa®
Get more info about the BoatU.S. WorldPoints® Visa® |
![]() Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)* APR for Balance Transfers: 0.00% (for Up to 12 Months*) |
Chase Platinum Visa® Card
Get more info about the Chase Platinum Visa® Card |
![]() Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)* APR for Balance Transfers: 0.00% (for Up to 12 Months*) |
Chase Platinum MasterCard®
Get more info about the Chase Platinum MasterCard® |
![]() Ongoing APR: Fixed 7.99%*
APR for Balance Transfers: 0.00% (for Up to 15 Months*) |
Chase Business Rebate Card
Get more info about the Chase Business Rebate Card |
![]() Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)* APR for Balance Transfers: 0.00% (for 12 Months) |
Chase Flexible RewardsSM Platinum Visa®
Get more info about the Chase Flexible RewardsSM Visa® |
![]() Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)* APR for Balance Transfers: 0.00% (for 12 Months) |
Disney Rewards® Visa® Card from Chase
Get more info about the Disney Rewards® Visa® Card |
![]() Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)* APR for Balance Transfers: 0.00% (for 12 Months) |
Chase Free Cash RewardsSM Visa® Card
Get more info about the Free Cash RewardsSM Visa® |
![]() Intro APR for Purchases: 0.00% (for Up to 12 Months*)
Ongoing APR: As low as Prime + 3.49% (Currently 8.49%) APR for Balance Transfers: 0.00% (for Up to 12 Months*) |
Citi® Platinum Select® MasterCard®
Get more info about the Citi® Platinum Select® MasterCard® |
![]() Ongoing APR: As low as Prime + 6.99% (Currently 11.99%)
APR for Balance Transfers: 0.00% (for Up to 12 Months*) |
Citi PremierPassSM Card
Get more info about the Citi PremierPassSM Card |
![]() Ongoing APR: As low as Prime + 0.99% (Currently 5.99%)
APR for Balance Transfers: 0.00% (for 6 Billing Periods) |
IberiaBank Visa® Gold Cash Back Rewards Card
Get more info about the IberiaBank Visa Gold CashBack |
![]() Ongoing APR: As low as Prime + 0.99% (Currently 5.99%)
APR for Balance Transfers: 0.00% (for 6 Billing Periods) |
IberiaBank Visa® Platinum Rewards Card
Get more info about the IberiaBank Visa® Platinum Card |
![]() Ongoing APR: As low as Prime + 6.99% (Currently 11.99%)*
APR for Balance Transfers: 0.00% (for Up to 12 Months*) |
Chase BP Visa® Rewards Card
Get more info about the Chase BP Visa® Rewards Card |
![]() Ongoing APR: As low as Prime + 0.99% (Currently 5.99%)
APR for Balance Transfers: 0.00% (for 6 Billing Periods) |
IberiaBank MasterCard® Gold Cash Back Rewards Card
Get more info about the IberiaBank MC Gold CashBack |
![]() Intro APR for Purchases: 0.00% (for Up to 12 Months*)
Ongoing APR: As low as Prime + 3.49% (Currently 8.49%) APR for Balance Transfers: 0.00% (for Up to 12 Months*) |
Citi® Diamond Preferred® Card
Get more info about the Citi® Diamond Preferred® Card |
![]() Ongoing APR: 6.50%
APR for Balance Transfers: 0.00% (for 6 Months) |
Pulaski Bank MasterCard® or VISA®
Get more info about the Pulaski Bank Credit Card |
![]() Ongoing APR: As low as 8.99%
APR for Balance Transfers: 0.00% (for for the first 12 Months*) |
HSBC Platinum MasterCard® with Cash or Fly Rewards
Get more info about the HSBC Cash or Fly MasterCard® |
![]() Ongoing APR: As low as Prime + 3.99% (Currently 8.99%)*
APR for Balance Transfers: 0.00% (for Up to 12 Months*) |
AT&T Universal Savings Platinum Card
Get more info about the AT&T Universal Savings Platinum Card |
More Credit Card Resources Online
One of the most complete guides to help you finding the best balance transfer credit cards online.
Poor Credit Credit Cards lists various credit cards for people with poor credit or no credit. They can help you building up or re-building your credit history.
Credit Card Balance Transfer.com has an extensive list of low APR, 0% balance transfer credit cards. Apply online for MasterCard, Discover or Visa credit cards.
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