Balance Transfer Credit Cards

Get personalized credit card offers in less than a minute without affecting your credit scores.

Home Address
123 Street, City, State
10 Card Offers

Intro APR

0% for 18 months on Balance Transfers

Ongoing APR

14.99% - 24.99% (Variable)

Rewards

2% Cash Back on All Other Purchases

Annual Fee

$0

Intro bonus

Earn a $150 cash rewards bonus after spending $500 in the first 3 months

Rewards

1.5% Cash Back on All Other Purchases
Intro Bonus Worth:
$150

Ongoing APR

14.99%-26.99% (Variable)

Annual Fee

$0

Intro APR

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

Ongoing APR

16.49% - 25.24% Variable

Rewards

5% Cash Back on Rotating Categories
1% Cash Back on All Other Purchases
Intro Bonus Worth:
$150

Annual Fee

$0

Intro APR

0% on Purchases for 15 months and 0% on Balance Transfers for 15 months

Ongoing APR

15.49% - 25.49% (Variable)

Rewards

1.5% Cash Back on All Other Purchases
Intro Bonus Worth:
$150

Annual Fee

$0

Intro APR

0% on Purchases for 15 months and 0% on Balance Transfers for 15 months

Ongoing APR

15.49% - 25.49% (Variable)

Rewards

3% Cash Back on Dining, Entertainment
2% Cash Back on Groceries
1% Cash Back on All Other Purchases
Intro Bonus Worth:
$150

Annual Fee

$0

Intro APR

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

Ongoing APR

16.49% - 25.24% Variable

Rewards

1.5% Cash Back on All Other Purchases
Intro Bonus Worth:
$150

Annual Fee

$0

Intro APR

0% on Purchases for 6 months and 0% on Balance Transfers for 18 months

Ongoing APR

13.49% - 24.49% Variable

Rewards

5% Cash Back on Rotating Categories
1% Cash Back on All Other Purchases

Annual Fee

$0

Intro bonus

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value

Rewards

3x Points on Dining, Gas, Travel
1x Points on All Other Purchases
Intro Bonus Worth:
$200

Ongoing APR

14.99%-26.99% (Variable)

Annual Fee

$0

Intro APR

0% for 12 months on Purchases and 0% for 21 months on Balance Transfers

Ongoing APR

15.74% - 25.74% (Variable)

Rewards

N/A*

Annual Fee

$0

Advertiser Disclosure: The credit card offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation, however the compensation does not impact how or where the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.

*For complete information, see the terms and conditions on the credit card issuer's website. Once you click apply for this card, you will be directed to the issuer's website where you may review the terms and conditions of the card before applying. We show a summary to help you choose a product, not the full legal terms – and before applying you should understand the full terms of the product as stated by the issuer itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

Balance transfer credit card basics

How balance transfers work

Balance transfer credit cards can be a good way to consolidate credit card debt from multiple cards. Issuers will sometimes offer incentives to transfer balances from your old credit cards by offering a low or zero percent APR on the transferred amount for a limited period of time. This time period may vary based on the issuer and/or offer but typically can be 12 months or more.

Balance transfer fees

Balance transfer cards may have an upfront fee that can equal 3 percent or more of the total amount transferred. Sometimes the promotional rate is meant for a single balance transfer, and issuers may charge higher rates for balance transfers from additional credit cards. All of this information can be found in what is called a “Schumer box”, which contains a summary of costs of a credit card offer, such as “other APRs” where balance transfer information resides. Additional information to help you understand your costs can be found in this summary and within the terms and conditions.

Balance transfer impacts on your credit

Depending on your credit situation, a balance transfer could affect your credit. If you already have a high utilization rate, meaning your credit card balances are high compared to your credit limits, transferring the balance to a new card could affect your credit score. The addition of the new card may increase your total credit limit and decrease your overall utilization rate, but having a high utilization rate on a single credit card may still impact your credit.

Balance transfer considerations
  • Your ability to pay: Considering the balance transfer cost, which is the fee percentage multiplied by the balance, and the length of the promotional APR, could be beneficial in helping you to budget. For example, if $5,000 is transferred with a 3% fee and the promotion was at 0% for 12 months, then in order to avoid any interest payments, you would have to be diligent enough to pay $429 every month. Any missed payment or balance after the promotional period would result at a higher APR, and could become costly.
  • Financial goals: It may turn out that a balance transfer may not help your credit in the short term, but it could be a temporary trade-off. If your goal is to pay off the balance during the promotional period while the APR is low, then as your on-time payments continue and your balance decreases, your credit will start to improve.
  • Avoiding more debt: After transferring a balance, you may consider not using the older card until your debt situation improves. You could close the older card to remove the temptation of racking up more debt, but in doing so, you may negatively impact your credit score, since you will reduce your total credit limit and raise your utilization rate. Also, if you had the card for a long time, you could be removing an account that was beneficial to your credit, since creditors like to see a longer and positive credit history. In deciding to close the account, you would have to weigh the possibility of accumulating more debt vs impacting your credit in the near-term. No matter what you choose, if you continue to pay down debt and pay on time, your credit could improve over time.

Know more before you apply

See your FICO? Score for free

Get your FICO? Score and Experian Credit Report along with the positive and negative factors impacting your credit.

Credit cards matched to you

We’ll help analyze your individual credit situation and match you to the best credit cards specifically for you.

Gain a trusted financial partner

Experian’s vast data assets and smart analytics power are available to you so you can be better at credit.

Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more.

亚洲欧美免费无码专区