Balance Transfer Credit Cards

Balance Transfer credit cards are ideal for debt consolidation, as they enable you to transfer balances from cards with high rates to cards with lower rates. Watch out for short introductory periods and higher interest rates on purchases, as well as transfer fees.

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tips & advice

Balance Transfer Credit Cards

Many people transfer the balance of one credit card to another in order to take advantage of a lower APR, saving them money as they pay off their debt. Others transfer credit card balances in order to cash in on special offers or rewards points. Whatever the reason, transferring your credit card balance may make good sense.

Consolidating credit card debt onto a single credit card with the lowest rate you can get may save you a great deal of money over time. We encourage everyone to always shop for and request lower interest rates. But if you happen to have an above average to excellent credit score, you'll probably qualify for some cards that are specifically designed for transferring balances.

Balance transfer credit cards offer a lower APR on the balance you are transferring, and often include a low or no interest rate introductory period. Compare credit cards and take advantage of lower rates whenever possible.

*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. While Credit.com always strives to present the most accurate information, 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 products as stated by the issuer itself.

** FICO scores and 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 credit card offer.

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