10 Great Balance Transfer Credit Cards this year

10 Great Balance Transfer Credit Cards

This is a list of balance transfer credit cards with 0% introductory rate. The longer the introductory period the better for balance transfers credit cards. A number of things make a 0% balance transfer credit card even better, things like no balance transfer fee, 0% on purchases,

Great Balance Transfer Credit Cards

Chase Slate  is the Best for No Balance Transfer Fee

There is a non payment of balance transfer fee on any balance transferred during the first 60 days of opening the account. After which the balance fee is 5% of the amount transferred or a minimum of $5. Cardholders who make a $10,000 balance, will save $500 just by making a quick transfer of the balance.

Features of Chase Slate

The Minimum Credit Required is excellent

No Annual Fee

The Intro APR is  0% on Purchases and Balance Transfers for 15 months

Ongoing APR is charged at  17.24% to 25.99% variable

Cash Advance Fee is charged at $10 or 5% of the cash advance

Foreign Purchase Transaction Fee is 3% of the amount transferred in U.S. dollars

No Signup Bonus

Citi Simplicity is the Longest Introductory Period

Citi simplicity has 21 months on balance transfers which is the longest introductory period. In addition, the card has no late fees, no penalty rate, and no annual fee.

Features

The Minimum Credit Required is Excellent

No Annual Fee

The Intro APR is charged at 0% for 21 months on balance transfers; 0% for the first 12 months of purchases.

Ongoing APR is is charge at 16.99% to 26.99% variable

The Balance Transfer Fee is charged at $5 or 5% of the transfer amount

Cash Advance Fee is charged at $10 or 5% of the cash advance

The Foreign Purchase Transaction Fee is  3% of the purchase amount

No Signup bonus

Best for 5% Cash Rewards: Discover it

Cardholders with the Discover it will earn 5% cash back on up to $1,500 in purchases in categories that rotate each quarter as they register online or via mobile app. All other purchases earn 1% cash back.

Features

The Minimum Credit Required is Good

No Annual Fee

The Intro APR is  0% for 14 months on balance transfers and purchases

Ongoing APR is 14.24% to 25.24% variable

Balance Transfer Fee is  3% of the transfer amount, after that 5%

Cash Advance Fee is  $10 or 5% of the cash advance

No Foreign Purchase Transaction Fee

There is no Signup bonus

Citi Double Cash is the Best Flat Rate Cash Back

Citi Double Cash Rewards cardholders up to 2% cash back on purchases made. The promotional rate for balance transfers is one of the longest offered of any balance transfer credit card. Citi will waive your very first late fee.

The Minimum Credit Required is Good

No Annual Fee

The Intro APR is charged at 0% on balance transfers for 18 months

Ongoing APR is charged at 15.74% to 25.74% variable

Balance Transfer Fee is charged at $5 or 3% of the transfer amount

Cash Advance Fee is  charge at$10 or 5% of the cash advance

The Foreign Purchase Transaction Fee is  3% of the purchase amount

There is no Signup Bonus

Blue Cash Everyday Card from American Express the  Best Tried Rewards

Using this card, You won’t pay a balance transfer fee on any transfers requested in the first 60 days, cardholders will earn 3% cash back on up to $6,000 in purchases every year and then with 1% back on all other purchases. In addition, you’ll get 20% more points when you use your card 20 or more cards in a billing cycle.

The Minimum Credit Required is Good

No yearly Fee

The Intro APR is  charged at 0% on purchases and balance transfers for 15 months

Ongoing APR is  charged at 15.24% to 26.24% variable

Cash Advance Fee is charged at  $5 or 3% of the cash advance

The Foreign Purchase Transaction Fee is charged at  2.7%

Signup Bonus: 10,000 bonus points when you spend $1,000 on purchases in the first three months

U.S. Bank Platinum Visa Card is the Best for Introductory Purchase Rate

This card offers a relatively long introductory APR that applies to both purchases and balance transfers. You’ll get cell phone protection coverage when you use your credit card to pay your monthly cell phone bill. Your card also comes with free access to your TransUnion credit score.

The Minimum Credit Required is  Excellent

No yearly Fee

The Intro APR is charged at  0% on purchases and balance transfers for 20 billing cycles

Ongoing APR is charged at 14.74% to 25.74% variable

The Balance Transfer Fee is charged at  $5 or 3%

Cash Advance Fee is charged at $10 or 4% of the cash advance

Foreign Purchase Transaction Fee is charged at 3%

There is no Signup Bonus

BankAmericard Credit Card for Students is the Best for Students

Bank of America Credit Card for students offers a longer introductory period. Cardholders can also apply for monthly access to a free FICO score available in the Mobile Banking app or Online Banking. No  ongoing rewards program or a signup bonus are offered

The Minimum Credit Required is Good

Annual Fee: None

The Intro APR is  0% on purchases and balance transfers for 15 billing cycles

Ongoing APR: 15.24% to 25.24% variable

Balance Transfer Fee: $20 for the first 60 days of account opening; after that, $10 or 3%

Cash Advance Fee: $10 or 3% of the cash advance

Foreign Purchase Transaction Fee is 3%

Wells Fargo Propel American Express is the Best First-Year Bonus 

The Wells Fargo Propel American Express offers a generous signup bonus for cardholders who spend $3,000 on purchases in the first three months of opening their account. Cardholders will earn three points for every dollar spent on dining, gas, ride shares, flights, hotels, home stays, and car rentals. One point on each one dollar spent on All other purchases.

The Minimum Credit Required is Good

No Annual Fee

The Intro APR is charged at 0% on purchases and balance transfers for 12 months

Ongoing APR is 16.24%-28.24% variable

The Balance Transfer Fee is charged at $5 or 3%

Cash Advance Fee is charge at$10 or 5%

The signup bonus is charge at 30,000 bonus points after you spend $3,000 on purchases in the first three months

Capital One Quicksilver is the Best Cash Bonus | 10 Great Balance Transfer Credit Cards

Capital One Quicksilver offers cardholders an unlimited 1.5%. You can redeem your rewards at any time for any amount. There’s no balance transfer fee after the first 15 months

The Minimum Credit Required is  Good

No Annual Fee

The Intro APR is charged at  0% on purchases and balance transfers for 15 months

Ongoing APR is charged at 16.24% to 26.24% variable

Balance Transfer Fee is charged at 3% for the first 15 months; None after the first 15 months.

Cash Advance Fee is charged at $10 or 3%

Signup Bonus is charge at $150 cash bonus when you spend $500 in the first three months

Citi Diamond Preferred is the Best for Repeated Transfers | 10 Great Balance Transfer Credit Cards

The Citi Diamond Preferred extends its 18-month 0% APR to balances transferred for the first four months following account opening. Cardholders have the opportunity to choose their various preferred dates and also use their card with Apple Pay and receive automatic alerts for important account activity.

The Minimum Credit Required is Excellent

No Annual Fee

The Intro APR is charged at  0% on purchases and balance transfers for 18 months

Ongoing APR is set at 15.24% to 25.24% variable

Balance Transfer Fee is charged at $5 or 5%

Cash Advance Fee is charged at $10 or 5% of the cash advance

Foreign Purchase Transaction Fee is  3%

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