Apply Online for a Balance Transfer Card
Consumers who suffer from high interest rates and those who hope to consolidate debt can benefit from balance transfer credit cards. These cards allow you to transfer balances from numerous high rate cards to one card with, presumably, a lower rate. This arrangement can save a significant amount of money in finance charges and fees each month.
When shopping around for a balance transfer credit card, find one that offers a better finance rate than what you pay currently. If you're using the card for debt consolidation, be sure that your credit limit will be high enough to accommodate your debt load. For the most benefit to your credit score, you should only use 30% of your limit. Additionally, make sure that they do not charge a fee for transferring your balance from one or more cards.
Keep in mind that some balance transfer cards offer low introductory rates that are raised after an initial period. Consider your payment plan to make sure you'll have your balance paid off before the introductory period is over.
Online Balance Transfer Credit Card Applications
The following online credit card applications keep your personal data safe with SSL technology, so you can apply with confidence.
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Intro APR
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Regular APR
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Credit Needed
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Annual Fee
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0% APR for up to 12 Months
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As low as 8.49%
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Very Good
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$0
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- FREE Online Account Access
- 0% Intro APR for Up To 12 Months* on Purchases and Balance Transfers*
- No Annual Fee
- The Time Period for the Introductory APR and the Balances to which It Will Apply Will Be Based on Our Review of Your Application and Credit History
- FREE Travel Services including Auto Rental Collision Damage Waiver and Worldwide Travel Accident Insurance
- Read our review
- Apply online now at Chase's Web site
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Intro APR
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Regular APR
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Credit Needed
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Annual Fee
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0% APR for up to 12 Months
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10.99%
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Very Good
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$0
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- 0% APR for Up To 6 Months on Purchases and Balance Transfers
- Earn Up To 10% in Introductory Rebates
- There's No Limit to the Amount of Rebates You Can Earn!
- Earn Up To 5% in Rebates after the Introductory Period
- No Annual Fee
- Online Account Management
- Zero Liability Against Unauthorized Purchases
- Read our review
- Apply online now at Chase's Web site
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Intro APR
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Regular APR
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Credit Needed
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Annual Fee
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0% APR for up to 6 Months
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13.99%
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None
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$0
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- FREE Online Account Management
- 0% APR* for 6 Months on Purchases, Cash Advances and Balance Transfers
- No Annual Fee
- $0 Liability on Unauthorized Purchases
- No Minimum Income or Cosigner Required
- No Balance Transfer Fee with this Offer
- Read our review
- Apply online now at Citibank's Web site
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Intro APR
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Regular APR
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Credit Needed
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Annual Fee
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0% APR for 6 Months
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10.99%
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Very Good
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$0
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- Pay with Miles: Pay for All or Part of Your Flight with Miles — and Put the Rest on Your Card
- Earn Up to 17,500 Bonus SkyMiles® - 15,000 Bonus Miles After Your First Purchase With the Card and 2,500 Bonus Miles for an Additional Cardmember
- One Mile for Every oOher Eligible Dollar Spent
- Always Double Miles® on Eligible Everyday pPrchases and All Delta Purchases
- No Annual Fee for the First Year, Then $95: $45 if You are a Qualified American Express Cardmember
- Express Approval. Get a Decision in Less Than 60 Seconds
- Read our review
- Apply online now at American Express's Web site
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Intro APR
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Regular APR
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Credit Needed
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Annual Fee
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9.99% APR for Life of Balance Transfers
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14.99%
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Good
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$95
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- No Annual Fee
- 5% to 20% Cashback Bonus at Top Online Retailers*
- Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus Partners
- Up to 1% Unlimited Cashback Bonus on All Other Purchases Automatically
- Online Account Access
- Online Bill Payment
- *View Discover® Card Rates, Fees, Rewards and Other Important Information
- Read our review
- Apply online now at the card issuer's Web site
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Intro APR
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Regular APR
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Credit Needed
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Annual Fee
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0% Intro APR*
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10.99%
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Very Good
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$0
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- Transfer Starpoints® — Amost Always on a 1:1 Basis — to the Frequent Flyer Programs of Over 30 Major Airlines
- Earn Up to 25,000 Starpoints® — Enough for up to 6 Free Nights at a Category 1 or 2 Hotel.
- No Annual Fee for the First Year and $45 Thereafter
- Use Starpoints® for Free Nights and Upgrades at Over 860 Participating Starwood Hotels and Resorts in 95 Countries Including Sheraton, W Hotels, Westin and More with No Blackout Dates
- Earn One Starpoint® for Every Dollar You Spend and Double Starpoints® at Participating Starwood Properties and Retail Partners
- Express Approval. Get a Decision in Less Than 60 Seconds
- Read our review
- Apply online now at American Express's Web site
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Intro APR
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Regular APR
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Credit Needed
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Annual Fee
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2.9% APR for 6 Months
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14.99%
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Very Good
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$45
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- Get 3 HHonors Bonus Points for Each Eligible Dollar You Spend Everywhere Else
- Earn Up to 50,000 HHonors® Bonus Points When You Get the Card
- Receive 5 HHonors Bonus Points for Each Dollar Spent at Hilton Family Hotels Including Doubletree®, Embassy Suites Hotels®, Hampton Inn® and More and For Eligible Purchases at Supermarkets, Drugstores, Gas Stations, and More
- No Annual Fee
- No Blackout Dates
- Express Approval. Get a Decision in Less Than 60 Seconds
- Read our review
- Apply online now at American Express's Web site
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Intro APR
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Regular APR
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Credit Needed
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Annual Fee
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2.9% APR for 6 Months
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14.99%
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Very Good
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$0
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Intro APR
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Regular APR
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Credit Needed
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Annual Fee
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0% APR for 6 Months
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6.50%
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None
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$35
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- *Free Online Account Access
- *Earn RacePoints(SM) Every Time You Make a Purchase§
- *No Annual Fee
- *Redeem Points for Exclusive NASCAR® Experiences and Collectibles
- *0% Introductory Annual Percentage Rate (APR)† on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles
- Card Issued by FIA Card Services, N.A.
- Read our review
- Apply online now at the card issuer's Web site
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Intro APR
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Regular APR
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Credit Needed
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Annual Fee
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0% APR for 12 Billing Cycles
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9.99% / 15.99%
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Very Good
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$0
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The credit card information shown here is provided by CardOffers.com. Reviews are believed to be accurate during the time of evaluation. However, information posted may change after the review date. Therefore, online visitors may want to first contact the credit card issuer to verify all information before applying online. Ratings are based on the CardOffers.com Rating System and are designed to further evaluate the credit card product. It is important to note that the posted ratings should not be the only factor in helping you decide which credit card is right for you, as many of the credit cards listed are not suited for all types of individuals. CardOffers.com does not guarantee the accuracy of posted information.
