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3.7/5.0 from 89 Offer Ratings
Over the Past 60 Days!
Intro APRs
0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 12.99% - 22.99% Variable APR
No Penalty APR
Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply
Build Credit
Access your FICO® Score for free within Online Banking or your Mobile Banking app
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for BankAmericard® credit card
Intro Purchase APR
0% for 18 months on Purchases
Intro Balance Transfer APR
0% for 18 months on Balance Transfers
Regular Purchase APR
14.74% - 24.74% (Variable)
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for Citi® Diamond Preferred® Card
Intro BT APR
0% for 18 months on Balance Transfers
Rewards Rate
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Regular Purchase APR
13.99% – 23.99% (Variable)
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for Citi® Double Cash Card – 18 month BT offer
Intro APRs
0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 13.99% - 23.99% Variable APR
Sign Up Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Rewards Rate
3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs (for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), 1% cash back on all other purchases
Typical Credit Needed
Annual Fee
$0
Card Brand
Visa®
See additional details for Bank of America® Cash Rewards credit card
Introductory APR
0% intro APR for 18 months from account opening on purchases and qualifying balance transfers, then 16.49%-24.49% (Variable)
Extra Perks
Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum card
Credit Tools
Easy access to your FICO® Credit Score with Wells Fargo Online®. Monitor your spending, purchases and any suspicious activity with text and email alerts and notifications
Typical Credit Needed
Annual Fee
$0
Card Brand
Visa®
See additional details for Wells Fargo Platinum card
Intro APR
0% for 15 months on purchases and 0% for 15 months on balance transfers
Rewards Rate
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
Regular Purchase APR
13.49% - 23.49% (Variable)
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for Citi Rewards+® Card
Intro Purchase and BT APR
0% for 12 billing cycles on purchases*, then 14.99% - 23.99%* (Variable) and 0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening, then 14.99% - 23.99%* (Variable)
Rewards
Earn 4X points on dining, takeout and food delivery, 2X points at grocery stores, grocery delivery, streaming services and gas stations, and 1X points on all other eligible purchases.
Sign Up Bonus
Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.
Typical Credit Needed
Annual Fee
$0*
Card Brand
Visa®
See additional details for U.S. Bank Altitude® Go Visa Signature® Card
Intro Purchase APR
0% intro APR for 20 billing cycles on Purchases*
Intro BT APR
0% intro APR for 20 billing cycles on Balance Transfers*
Regular Purchase APR
14.49% - 24.49%* (Variable)
Typical Credit Needed
Annual Fee
$0*
Card Brand
Visa®
See additional details for U.S. Bank Visa® Platinum Card
*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.
One of the main reasons that people shop for a new credit card is in order to find banks that offer special 0% balance transfer credit cards for the longest period of time and with low transfer fees. In recent years consumers have started to use credit cards more wisely than they did before the big credit crisis. Now they tend to shift high-interest card balances to cards that offer a lower APR, because in doing so they are able to gain immediate and substantial savings.
Use our free balance transfer calculator and credit card payoff calculator found on this site to figure out how much money you can save by getting a better interest rate. Then look in this section for the best balance transfer credit cards that offer good deals such as 0% interest for 1 to 2 years and lower regular APR rates. You will want to pay special attention to any minimum charges or transfer % that a credit card company might impose on you for transferring a balance – deduct that cost from your overall savings in order to arrive at a real net savings for transferring to a new credit card.
Let’s say that you have a card that you’re currently paying 25% interest on, but you find a card here that will only charge you 3.99% for the first year and 18% thereafter. By moving your balance to the new card you can save more than 20% right away, and 7% over the long term. If your transfer amount is $3,000 that means you save around $500– $600 in interest within the next 12 months.