Balance transfer credit cards

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The Amex EveryDay® Credit Card from American Express
The Amex EveryDay® Credit Card from American Express
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on American Express®'s secure website

Apply

on American Express®'s secure website

APR
13.74%-23.74% Variable
Intro APR: 0% on Purchases for 12 months
Fee
$0
Rewards

2x Points on Groceries

1x Points on Everyday

Intro Bonus Worth: $100

Balance Transfer

0% on Balance Transfers for 12 months

Credit Range

Good - Exceptional

Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months
Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits. Terms and limitations apply.
2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
You can use Membership Rewards® points for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking
No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.74% to 23.74%, based on your creditworthiness and other factors.
Terms Apply
Barclaycard Ring™ Mastercard®
Barclaycard Ring™ Mastercard®
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on Barclaycard's secure website

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on Barclaycard's secure website

APR
13.74% Variable
Intro APR: 0% for 15 months on Purchases and 0% for 15 months for each Balance Transfer made within 45 days of account opening
Fee
$0
Rewards
N/A

Balance Transfer

13.74% Variable

Credit Range

Exceptional

0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.74%
No balance transfer fees
No foreign transaction fees
Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
Free online access to FICO® Credit Score
See additional details for Barclaycard Ring™ Mastercard®
Citi Simplicity® Card
Citi Simplicity® Card
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on Citibank's secure website

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on Citibank's secure website

APR
14.24% - 24.24% Variable
Intro APR: 0% Intro APR for 21 months on purchases and balance transfers
Fee
$0
Rewards
N/A

Balance Transfer

0% Intro APR for 21 months

Credit Range

Good - Exceptional

0% Intro APR for 21 months on balance transfers and purchases; after that, the variable APR will be 14.24%-24.24% based on your creditworthiness
There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
No late fees, no penalty rate and no annual fee EVER
Enjoy the convenience of setting up your own bill payment schedule on any available due date
Save time, just say "representative" when you call to enjoy fast, personal help
Citi® Identify Theft Solutions is there to assist should you become the victim of identity theft
Click 'Apply Now' to see additional Citi Simplicity® pricing and information
See additional details for Citi Simplicity® Card
Chase Slate®
Chase Slate®
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on JP Morgan Chase's secure website

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on JP Morgan Chase's secure website

APR
15.74%-24.49% Variable
Intro APR: 0% Intro APR for 15 months on purchases
Fee
No annual fee
Rewards
N/A

Balance Transfer

0% for 15 months on balance transfers

Credit Range

Good - Exceptional

$0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
Chase Slate named "Best Credit Card for Balance Transfers" four years in a row by Money Magazine
0% Introductory APR for 15 months on purchases and balance transfers
Monthly FICO® Score and Credit Dashboard for free
No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
$0 Annual Fee
See additional details for Chase Slate®
Chase Freedom®
Chase Freedom®
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on JP Morgan Chase's secure website

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on JP Morgan Chase's secure website

APR
15.74%-24.49% Variable
Intro APR: 0% Intro APR for 15 months on purchases
Fee
No annual fee
Rewards

1% Cash Back

Intro Bonus Worth: $150

Balance Transfer

0% for 15 months on balance transfers

Credit Range

Good - Exceptional

Earn $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
Unlimited 1% cash back on all other purchases - it's automatic
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.74-24.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
Enjoy new 5% categories every 3 months
Cash Back rewards do not expire as long as your account is open
No annual fee
See additional details for Chase Freedom®
Discover it® - Cashback Match™
Discover it® - Cashback Match™
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on Discover's secure website

Apply

on Discover's secure website

APR
11.74% - 23.74% Variable
Intro APR: 0% for 14 months on purchases
Fee
$0
Rewards

1% Cash Back

Balance Transfer

0% for 14 months

Credit Range

Good - Exceptional

You could turn $200 into $400 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to he quarterly maximum each time you activate. Plus 1% cash back on all other purchases.
Redeem your cash back for any amount, any time. Cash rewards never expire.
100% U.S. based customer service
Get your FICO® Credit Score for free on monthly statements, on mobile and online.
No annual fee
Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
See additional details for Discover it® - Cashback Match™
Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express
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on American Express®'s secure website

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on American Express®'s secure website

APR
13.74%-24.74% Variable
Intro APR: 0% on Purchases for 12 months
Fee
$95
Rewards

3% Cash Back

Intro Bonus Worth: $150

Balance Transfer

0% on Balance Transfers for 12 months

Credit Range

Good - Exceptional

$150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months
6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) – that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.74% to 24.74%.
Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
$95 annual fee.
Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
Terms Apply
Chase Freedom Unlimited℠
Chase Freedom Unlimited℠
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on JP Morgan Chase's secure website

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on JP Morgan Chase's secure website

APR
15.74%-24.49% Variable
Intro APR: 0% Intro APR for 15 months on purchases
Fee
No annual fee
Rewards

1.5% Cash Back

Intro Bonus Worth: $150

Balance Transfer

0% for 15 months on balance transfers

Credit Range

Good - Exceptional

Unlimited 1.5% cash back on every purchase - it's automatic
Earn $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.74-24.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
Redeem for cash - any amount, anytime
Cash Back rewards do not expire as long as your account is open
No annual fee
See additional details for Chase Freedom Unlimited℠
Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express
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on American Express®'s secure website

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on American Express®'s secure website

APR
13.74%-24.74% Variable
Intro APR: 0% on Purchases for 12 months
Fee
$0
Rewards

2% Cash Back

Intro Bonus Worth: $100

Balance Transfer

0% on Balance Transfers for 12 months

Credit Range

Good - Exceptional

$100 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
No annual fee.
3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.74% to 24.74%.
Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
Terms Apply
Discover it® - 18 Month Balance Transfer Offer
Discover it® - 18 Month Balance Transfer Offer
Apply

on Discover's secure website

Apply

on Discover's secure website

APR
11.74% - 23.74% Variable
Intro APR: 0% for 6 months on purchases and 0% for 18 months on balance transfers
Fee
$0
Rewards

1% Cash Back

Balance Transfer

0% for 18 months

Credit Range

Good - Exceptional

You could turn $200 into $400 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus 1% cash back on all other purchases.
Redeem your cash back for any amount, any time. Cash rewards never expire.
100% U.S. based customer service
Get your FICO® Credit Score for free on monthly statements, on mobile and online.
No annual fee
Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Citi® / AAdvantage® Gold World Elite™ Mastercard®
Citi® / AAdvantage® Gold World Elite™ Mastercard®
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on Citibank's secure website

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on Citibank's secure website

APR
16.49% - 24.49% Variable
Intro APR: 0% Intro APR for 15 months on purchases and balance transfers
Fee
$50 (waived for the first 12 months)
Rewards

1x Points on Everyday

Intro Bonus Worth: $250

Balance Transfer

0% Intro APR for 15 months

Credit Range

Good - Exceptional

You will receive 25,000 bonus American Airlines AAdvantage® miles after $750 in purchases are made with your card within 3 months of account opening
0% Intro APR for 15 months on balance transfers and purchases; after that, the variable APR will be 16.49% - 24.49% based on your creditworthiness
There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
Earn 1 AAdvantage® mile for every $1 spent on purchases
Redeem your AAdvantage® miles for a domestic round-trip flight award on American Airlines and American Eagle® carriers for as little as 25,000 AAdvantage® miles
No blackout dates on award travel on American Airlines and American Eagle® carriers
Receive a 25% savings on eligible inflight food and beverage purchases when you use your card
With Reduced Mileage Awards, you can fly for 5,000 fewer AAdvantage® miles roundtrip to select destinations
Click 'Apply Now' to see additional Citi®/AAdvantage® Gold World Elite™ Mastercard® pricing and information
NHL® Discover it® Card
NHL® Discover it® Card
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on Discover's secure website

Apply

on Discover's secure website

APR
11.74% - 23.74% Variable
Intro APR: 0% for 14 months on purchases
Fee
$0
Rewards

1% Cash Back

Balance Transfer

0% for 14 months

Credit Range

Good - Exceptional

Choose your favorite team & show your pride - all 30 teams available. Save 10% at Shop.NHL.Com and NHL.TV™.
You could turn $200 into $400 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus 1% cash back on all other purchases.
Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements, on mobile and online.
No annual fee
Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information. ©NHL
See additional details for NHL® Discover it® Card
Citi® Double Cash Card
Citi® Double Cash Card
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on Citibank's secure website

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on Citibank's secure website

APR
14.24% - 24.24% Variable
Intro APR: 0% Intro APR for 18 months on balance transfers
Fee
$0
Rewards

1% Cash Back

Balance Transfer

0% Intro APR for 18 months

Credit Range

Good - Exceptional

0% Intro APR for 18 months on balance transfers; after that, the variable APR will be 14.24%-24.24% based on your creditworthiness
Balance transfers do not earn cash back
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month
There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. Balance transfers must be completed within 4 months of account opening.
Earn cash back TWICE with 1% unlimited on purchases + 1% as you pay for those purchases
No restricting categories to keep track of or enroll in
There are also no caps on the total amount of cash back you earn
You can redeem cash back for checks, statement credits or gift cards
Credit card late fee pass - you get a pass on your first late fee
Click 'Apply Now' to see additional Citi® Double Cash pricing and information
See additional details for Citi® Double Cash Card
Discover it® chrome
Discover it® chrome
Apply

on Discover's secure website

Apply

on Discover's secure website

APR
11.74% - 23.74% Variable
Intro APR: 0% for 14 months on purchases
Fee
$0
Rewards

1% Cash Back

Balance Transfer

0% for 14 months

Credit Range

Good - Exceptional

Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter-no sign-ups needed. Plus 1% cash back on all your other purchases.
Redeem your cash back for any amount, any time. Cash rewards never expire.
100% U.S. based customer service
Get your FICO® Credit Score for free on monthly statements, on mobile and online.
No annual fee
Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
See additional details for Discover it® chrome
Citi® Double Cash Card
Citi® Double Cash Card
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on Citibank's secure website

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on Citibank's secure website

APR
24.24% Variable
Intro APR: 0% Intro APR for 9 months on purchases and balance transfers
Fee
$0
Rewards
N/A

Balance Transfer

0% Intro APR for 9 months

Credit Range

Good - Exceptional

0% Intro APR for 9 months on balance transfers and purchases; after that, the variable APR will be 24.24%
Balance transfers do not earn cash back
There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
Earn cash back TWICE with 1% unlimited on purchases + 1% as you pay for those purchases
No restricting categories to keep track of or enroll in
There are also no caps on the total amount of cash back you earn
You can redeem cash back for checks, statement credits or gift cards
Credit card late fee pass - you get a pass on your first late fee
Click 'Apply Now' to see additional Citi® Double Cash pricing and information
See additional details for Citi® Double Cash Card
Gold Delta SkyMiles® Credit Card from American Express
Gold Delta SkyMiles® Credit Card from American Express
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on American Express®'s secure website

Apply

on American Express®'s secure website

APR
16.49%-25.49% Variable
Intro APR: None
Fee
$0 introductory annual fee for the first year, then $95.
Rewards

2x Points on Travel

1x Points on Everyday

Intro Bonus Worth: $300

Balance Transfer

None

Credit Range

Good - Exceptional

Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months
Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile for every dollar spent on all other eligible purchases.
Check your first bag free on every Delta flight - that's a savings of up to $200 per round trip for a family of four
Settle in sooner with Priority Boarding
Enjoy a $0 introductory annual fee for the first year, then $95
Terms Apply
Barclaycard Arrival Plus™ World Elite Mastercard®
Barclaycard Arrival Plus™ World Elite Mastercard®
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on Barclaycard's secure website

Apply

on Barclaycard's secure website

APR
16.74%, 20.74% or 23.74% Variable
Intro APR: 0% APR for 12 months for each Balance Transfer made within 45 days of account opening
Fee
$89 - Waived first year
Rewards

2x Points on Everyday

Intro Bonus Worth: $500

Balance Transfer

16.74%, 20.74% or 23.74% Variable

Credit Range

Exceptional

Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $500 travel statement credit
Earn 2X miles on all purchases
Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary
Get 5% miles back to use toward your next redemption, every time you redeem
Miles don't expire as long as your account is open, active and in good standing
No foreign transaction fees on anything you buy while in another country
0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.74%, 20.74% or 23.74%, based on your creditworthiness. Please note, there is a fee for balance transfers
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
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on JP Morgan Chase's secure website

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on JP Morgan Chase's secure website

APR
16.74%-23.74% Variable
Intro APR: None
Fee
$0 intro for first year, then $95
Rewards

2x Points on Dining

2x Points on Travel

1x Points on Everyday

Intro Bonus Worth: $625

Balance Transfer

None

Credit Range

Good - Exceptional

Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases
Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
No foreign transaction fees
1:1 point transfer to leading airline and hotel loyalty programs
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
See additional details for Chase Sapphire Preferred® Card
The Platinum Card® from American Express
The Platinum Card® from American Express
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on American Express®'s secure website

Apply

on American Express®'s secure website

APR
N/A
Intro APR: None
Fee
$550
Rewards

5x Points on Travel

Intro Bonus Worth: $600

Balance Transfer

None

Credit Range

Good - Exceptional

Earn 60,000 Membership Rewards® points after you use your new card to make $5,000 in purchases in your first 3 months
New! Up to $200 Uber Savings Annually
5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel
5X Membership Rewards® points on eligible hotels booked on amextravel.com
As a Platinum Card Member, you can enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More, terms Apply.
$200 Airline Fee Credit, up to $200 a year in baggage fees and more at one airline.
Terms Apply
See additional details for The Platinum Card® from American Express
Premier Rewards Gold Card from American Express
Premier Rewards Gold Card from American Express
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on American Express®'s secure website

Apply

on American Express®'s secure website

APR
N/A
Intro APR: None
Fee
Introductory annual fee of $0 for the first year, then $195.
Rewards

2x Points on Dining

2x Points on Gas

2x Points on Groceries

3x Points on Travel

1x Points on Everyday

Intro Bonus Worth: $250

Balance Transfer

None

Credit Range

Good - Exceptional

Earn 25,000 Membership Rewards® Points after you use your new Card to make $2,000 in purchases within the first 3 months
3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply
No Foreign Transaction Fees
$100 Airline Fee Credit. Up to $100 a year in baggage fees and more at one airline
Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, if available with The Hotel Collection at americanexpress.com/hc. Terms apply
$0 Intro Annual Fee for the 1st year, then $195
Terms Apply
JetBlue Card
JetBlue Card
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on Barclaycard's secure website

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on Barclaycard's secure website

APR
12.74%, 20.74% or 25.74% Variable
Intro APR: 0% APR for 12 months for each Balance Transfer made within 45 days of account opening
Fee
$0
Rewards
N/A

Balance Transfer

12.74%, 20.74% or 25.74% Variable

Credit Range

Exceptional

Earn 5,000 bonus points after you spend $1,000 on purchases in the first 90 days
Earn 3 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases
No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking
Points awarded in your TrueBlue account don't expire
Earn and share points together with Family Pooling
50% savings on eligible inflight purchases like cocktails and food on JetBlue-operated flights
No foreign transaction fees
Chip technology & $0 Fraud Liability protection
See additional details for JetBlue Card
Starwood Preferred Guest® Credit Card from American Express
Starwood Preferred Guest® Credit Card from American Express
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on American Express®'s secure website

Apply

on American Express®'s secure website

APR
15.99%-19.99% Variable
Intro APR: None
Fee
$0 introductory annual fee for the first year, then $95
Rewards

2x Points on Travel

1x Points on Everyday

Intro Bonus Worth: $250

Balance Transfer

None

Credit Range

Good - Exceptional

Earn 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months
Earn 2 Starpoints® for each dollar of eligible purchases spent on the Card at participating SPG® & Marriott Rewards® hotels. Earn 1 Starpoint for all other purchases
No Foreign Transaction Fees on International purchases
Redeem Starpoints® at over 1,300 participating hotels and resorts in over 100 countries and for flights on more than 150 airlines with SPG flights, all with no blackout dates
$0 introductory annual fee for the first year, then $95
Terms Apply
Barclaycard CashForward™ World Mastercard®
Barclaycard CashForward™ World Mastercard®
Apply

on Barclaycard's secure website

Apply

on Barclaycard's secure website

APR
15.74%, 20.74% or 25.74% Variable
Intro APR: 0% for 15 months on Purchases and 0% for 15 months for each Balance Transfer made within 45 days of account opening
Fee
$0
Rewards

1.5% Cash Back

Intro Bonus Worth: $200

Balance Transfer

15.74%, 20.74% or 25.74% Variable

Credit Range

Exceptional

Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening
Earn unlimited 1.5% cash rewards on every purchase
Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
Redeem your cash rewards for a deposit into a U.S. checking or savings account, a statement credit or gift cards. Redemptions start at $50
Cash rewards do not expire as long as your account is open, active and in good standing
Enjoy a 0% introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on balance transfers for each balance transfer made within 45 days of account opening. After that a variable APR will apply, 15.74%, 20.74% or 25.74%, based on your creditworthiness. Please note, there is a fee for balance transfers
No annual fee
Hilton Honors™ Card from American Express
Hilton Honors™ Card from American Express
Apply

on American Express®'s secure website

Apply

on American Express®'s secure website

APR
15.99%-19.99% Variable
Intro APR: None
Fee
$0
Rewards

5x Points on Dining

5x Points on Gas

5x Points on Groceries

7x Points on Travel

3x Points on Everyday

Intro Bonus Worth: $800

Balance Transfer

None

Credit Range

Good - Exceptional

Limited Time Offer: Earn 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card within your first 3 months of Card Membership. Offer ends 05/31/2017
Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a participating hotel or resort within the Hilton Portfolio
Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. Terms and limitations apply.
Enjoy complimentary Silver status with your Hilton Honors™ Card
Spend $20,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Gold status through the end of the next calendar year.
Terms Apply
Discover it® for Students
Discover it® for Students
Apply

on Discover's secure website

Apply

on Discover's secure website

APR
13.74% - 22.74% Variable
Intro APR: 0% for 6 months on purchases
Fee
$0
Rewards

1% Cash Back

Balance Transfer

10.99% for 6 months

Credit Range

Fair

Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus 1% cash back on all other purchases.
Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
No annual fee. No late fee on first late payment. No APR change for paying late.
Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements, on mobile and online.
Freeze It® on/off switch for your account that prevents new purchases. Cash advances & balance transfers in seconds.
0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.74% - 22.74%.
Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
See additional details for Discover it® for Students
Discover it® Miles
Discover it® Miles
Apply

on Discover's secure website

Apply

on Discover's secure website

APR
11.74% - 23.74% Variable
Intro APR: 0% for 14 months on purchases
Fee
$0
Rewards
N/A

Balance Transfer

10.99% for 14 months

Credit Range

Good - Exceptional

Bonus Miles - For example, if you earn 20,000 Miles, you get 40,000 Miles. We'll match all the Miles you've earned at the end of your first year.
Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
No Blackout Dates - fly any airline, stay at any hotel.
Redeem your rewards in any amount for cash or a travel credit.
Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
Get your FICO® Credit Score for free on monthly statements, on mobile and online.
No Annual Fee
Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.
See additional details for Discover it® Miles
Discover it® chrome for Students
Discover it® chrome for Students
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on Discover's secure website

Apply

on Discover's secure website

APR
13.74% - 22.74% Variable
Intro APR: 0% for 6 months on purchases
Fee
$0
Rewards

1% Cash Back

Balance Transfer

10.99% for 6 months

Credit Range

Fair

Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter-no sign-ups needed. 1% cash back on all your other purchases.
Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
No annual fee. No late fee on first late payment. No APR change for paying late.
Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements, on mobile and online.
Freeze It® on/off switch for your account that prevents new purchases. Cash advances & balance transfers in seconds.
0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.74% - 22.74%.
Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
See additional details for Discover it® chrome for Students
Discover it® Secured Card
Discover it® Secured Card
Apply

on Discover's secure website

Apply

on Discover's secure website

APR
23.74% Variable
Intro APR: None
Fee
$0
Rewards

1% Cash Back

Balance Transfer

10.99% for 6 months

Credit Range

Poor - Fair

No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
A security deposit of $200 or more will establish your credit line (up to the amount we can approve). Automatic monthly reviews starting at 7 months to see if we can transition you to an account with no security deposit.
Reports to the three major credit bureaus. Plus, get your FICO® Credit Score for free on monthly statements, on mobile and online.
Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Plus, 1% cash back on all your other purchases.
Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
Tools to assist you; email alerts, text reminders and 24/7 customer service.
Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
See additional details for Discover it® Secured Card
Citi ThankYou® Premier Card
Citi ThankYou® Premier Card
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on Citibank's secure website

Apply

on Citibank's secure website

APR
15.24% - 24.24% Variable based on your creditworthiness
Intro APR: None
Fee
$95 (waived for the first 12 months)
Rewards

2x Points on Dining

3x Points on Gas

3x Points on Travel

1x Points on Everyday

Intro Bonus Worth: $300

Balance Transfer

15.24% - 24.24% Variable based on your creditworthiness

Credit Range

Good - Exceptional

You will receive 30,000 bonus ThankYou® Points after $3,000 in purchases are made with your card within 3 months of account opening
Earn 3 points per $1 spent on travel including gas stations, plus 2 points per $1 spent on dining out and entertainment and 1 point per $1 spent on other purchases
No expiration and no limit on the number of points you can earn
Transfer points to a variety of travel loyalty programs from airlines to hotels
No foreign transaction fees on purchases
Click 'Apply Now' to see additional Citi ThankYou® Premier pricing and information
See additional details for Citi ThankYou® Premier Card
Citi® Secured Mastercard®
Citi® Secured Mastercard®
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on Citibank's secure website

Apply

on Citibank's secure website

APR
23.24% Variable
Intro APR: None
Fee
$0
Rewards
N/A

Balance Transfer

23.24% Variable

Credit Range

Good - Exceptional

No annual fee, and unlike a prepaid card, it helps build credit history with monthly notifications to the credit bureaus
A security deposit is required for this product (minimum $200)
Pay your bill on time every month to avoid damaging your credit - Citi can help keep you on track with Auto Pay, online Bill Pay and alerts
Use the card anywhere Mastercard® is accepted - worldwide
Click 'Apply Now' to see additional Citi® Secured Mastercard® pricing and information
See additional details for Citi® Secured Mastercard®
JetBlue Plus Card
JetBlue Plus Card
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on Barclaycard's secure website

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on Barclaycard's secure website

APR
12.74%, 20.74% or 25.74% variable
Intro APR: 0% APR for 12 months for each Balance Transfer made within 45 days of account opening
Fee
$99
Rewards
N/A

Balance Transfer

12.74%, 20.74% or 25.74% variable

Credit Range

Exceptional

Earn 30,000 bonus points after you spend $1,000 on purchases within the first 90 days
Earn 6 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases
No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking
Points awarded in your TrueBlue account don't expire
Earn 5,000 bonus points every year after your account anniversary
50% savings on eligible inflight purchases like cocktails and food & the primary cardmember's first checked bag is free on JetBlue-operated flights
Enjoy TrueBlue Mosaic benefits for one year after you spend $50,000 or more on purchases each calendar year with your card
Enjoy a $100 statement credit after purchasing a JetBlue Vacations package of $100 or more with your JetBlue Plus Card
See additional details for JetBlue Plus Card

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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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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.

1 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.