Compare Balance Transfer Credit Cards
With a balance transfer credit card, the holder can consolidate the credit card’s debt onto another credit card in order to save money on interest charges. Like low interest credit cards, the balance transfer credit cards have low introductory APR’s and in some cases no annual fee. In layman’s terms, debt management becomes considerably easier.TrueEarnings(R) Card from Costco and American Express
- Earn cash back on gas and a $25 statement credit with your first purchase made with the Card.
- Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
- No Annual Fee with your paid Costco Membership
- The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
- No Limit on the Cash Back earned
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
| See Terms* | See Terms* | See Terms* | See Terms* | Excellent |
Discover® More(SM) Card - Sealife Collection
- Earn more cash in more ways than anyone else(SM)
- Unlimited cash rewards, automatically
- Up to 20% Cashback Bonus® when you shop online
- Double rewards with more than 100 Cashback Bonus Partners
- Customer Service in less than a minute, anytime you want
- 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers*
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
| 0%* | 6 Months* | None | 3%* | Good |
Escape by Discover® Card
- 25,000 Bonus Miles – 1,000 Miles each month you make a purchase the first 25 months
- Unlimited Double Miles on all purchases
- Book any travel, anytime with no blackout dates or restrictions
- 2 additional Miles for every $1 you spend through ShopDiscover, our exclusive online shopping site
- Enhanced travel benefits
- Redeem for travel credits to your account, gift cards from any of our 90 brand-name Partners or cash starting at just 1,000 Miles
- $60 Annual Fee
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
| 0%* | 6 months* | $60* | 3%* | Excellent |
Discover® More(SM) Card - Clear
- Earn more cash in more ways than anyone else(SM)
- Unlimited cash rewards, automatically
- Up to 20% Cashback Bonus® when you shop online
- Double rewards with more than 100 Cashback Bonus Partners
- Customer Service in less than a minute, anytime you want
- 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers*
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
| 0%* | 6 Months* | None | 3%* | Good |
IBERIABANK Visa ® Select Card
- Introductory Rate of 7.50% for 12 months from date opened on Purchases
- Introductory Rate of 7.50% for the first 12 billing cycles on Balance Transfers. Applies to balance transfers processed within three months of your account open date
- Low Ongoing Variable Rate APR after introductory period Prime + 4.25%
- No transaction fee for balance transfers
- 25 day grace period
- Online access to credit card account information
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
| 7.50% | 12 Months | $45 | None | Good |
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FAQs on Balance Transfer Credit Cards
What is a Balance Transfer Credit Card?
This is a credit card that has outstanding charges from other credit cards transferred to it.
Can anyone get one of these?
In most cases, anyone with a social security number and mailing address is eligible for one. Check with the card issuer.
How does it work?
Once the card holder has successfully transferred their credit card balances to the new card, the card issuer in most cases will allow a grace period by charging a lot less on the transferred balance.
Why would the Balance Transfer Credit Card be the choice for me?
If you are able to effectively manage your debts and balances then this might be the credit card for you. It is one of the best methods to reduce credit card debt by opening a new account that offers a balance transfer when the old one expires.
Are there any charges incurred for a Balance Transfer?
Some banks do charge a fee that is a percentage of the balance transferred. Always check with the bank to ensure there is a cap on the fee amount.
