Balance Transfer Credit Cards

Editor’s Rating — — Editor’s Pick, Best Overall Card. The Discover® More® Card offers a 0% APR on balance transfers and purchases for 15 full months and unlimited cash back rewards.

• 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% – 20.99%*
• 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more. Limitations apply*
• Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
• Discover is ranked #1 in customer loyalty–16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
• 24/7 access to a U.S.-based Account Manager within 60 seconds
• $0 Fraud Liability plus mobile and email fraud alert options
• Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
• *Click apply to view rates, fees, rewards, limitations and other important information.

Editor’s Rating — — Editor’s Pick, Cash Rewards

• This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
• Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
• 0% Intro APR for 15 months on purchases and balance transfers
• 5% Cash Back on up to $1,500 spent at grocery stores and movie theaters from 4/1/12 – 6/30/12
• You’ll enjoy new 5% categories every 3 months like gas stations, restaurants and even airlines. It’s free and easy to activate your bonus each quarter!
• Unlimited 1% Cash Back on all other purchases
• Up to an additional 10% Cash Back when you shop online at select merchants through Chase. No annual fee and rewards never expire

Editor’s Rating — — Editor’s Pick, If You Carry a Balance

• 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% – 21.99% based on your creditworthiness.
• Peace of mind through direct access to a service representative, no late fees and no penalty rate
• No annual fee

Editor’s Rating:

• No Balance Transfer Fee!*
• 0% Intro APR for 15 months on purchases and balance transfers
• Transfer your higher rate balances during the first 30 days your account is open and you will pay no balance transfer fee!
• After the first 30 days, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5
• Avoid interest on everyday purchases
• Pay down your balance faster
• Zero liability on unauthorized purchases*
• No Annual Fee*

Editor’s Rating — — Editor’s Pick, Balance Transfers.

• 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% – 20.99%*
• 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% – 20.99%*
• 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more. Limitations apply*
• Discover is ranked #1 in customer loyalty–16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
• 24/7 access to a U.S.-based Account Manager within 60 seconds
• $0 Fraud Liability plus automatic mobile and email fraud alert options
• Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
• *Click apply to view rates, fees, rewards, limitations and other important information

*View Discover® Card Rates, Fees, Rewards, and Other Important Information

Editor’s Rating — — This Citi® card offers a 0% introductory APR on balance transfers and purchases for 12 months plus $100 bonus cash back.

• $100 cash back after $500 in purchases within the first 3 months of account opening
• 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
• Earn 5% cash back at The Home Depot and on Home Furnishing and Home & Garden purchases from 4/1/12 to 6/30/12 when you enroll.
• Each quarter, you can enroll to earn additional cash back in popular categories.
• Full 1% cash back on all other purchases and eligible cash advances.
• No annual fee*