Credit Card Balance Transfer Rates
Credit-Card-Balance-Transfer-Rates.com will find you a competitive rate balance transfer credit card with the best features to choose from. You can compare some of the best offers below or you can select a category from the left to narrow your choice of cards. Consider all available information before choosing a card. We listed these offers to help you compare. Once you chose a credit card, please read its Terms and Conditions page(s) carefully before applying for that card. Our goal at CCBTR.com is to help you collect and categorize the most important data on many of the best credit cards offered on the internet. You may need to spend a few minutes reviewing our comparison information, but this is time well spent if you find the best deal possible.
Please select from one of our SPECIAL OFFER credit cards below or choose another sub-category from the menu on the left.
Discover® More Card
Apply NOW!
Summary:
APR for Balance Transfers: 0.00% (for 15 Months*)
Balance Transfer Fee: 3% (minimum $10)
Intro APR for Purchases: 0.00% (for 15 Months*)
Ongoing APR: 10.99-20.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 5% (minimum $10)
Annual Fee: None
Reward Program: 1-5% Cashback Bonus®
Late Fee: Up to $35
Returned Check Fee: Up to $35
Grace Period: 25 Days
Credit Line: Minimum $5,000
Issuer: Discover Bank
APR for Balance Transfers: 0.00% (for 15 Months*)
Balance Transfer Fee: 3% (minimum $10)
Intro APR for Purchases: 0.00% (for 15 Months*)
Ongoing APR: 10.99-20.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 5% (minimum $10)
Annual Fee: None
Reward Program: 1-5% Cashback Bonus®
Late Fee: Up to $35
Returned Check Fee: Up to $35
Grace Period: 25 Days
Credit Line: Minimum $5,000
Issuer: Discover Bank
Features:
- 0% intro APR on purchases and balance transfers for 15 months, then the variable APR of 10.99% - 20.99%*
- 5% Cashback Bonus(R) in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover
- Up to 1% unlimited Cashback Bonus on all other purchases
- $0 Fraud Liability plus automatic mobile and email fraud alerts
- No Annual Fee
*Click apply to view rates, fees, rewards, limitations and other important information.
Miles by Discover® Card
A Miles card with no annual fee!
Summary:
APR for Balance Transfers: 0.00% (for 12 Months*)
Balance Transfer Fee: 3% *
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: 10.99%-15.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 5% (minimum $10)
Annual Fee: None
Reward Program: Air Miles
Late Fee: Up to $35
Returned Check Fee: Up to $35
Grace Period: 25 Days
Issuer: Discover Bank
APR for Balance Transfers: 0.00% (for 12 Months*)
Balance Transfer Fee: 3% *
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: 10.99%-15.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 5% (minimum $10)
Annual Fee: None
Reward Program: Air Miles
Late Fee: Up to $35
Returned Check Fee: Up to $35
Grace Period: 25 Days
Issuer: Discover Bank
Features:
- Earn 10,000 Bonus Miles with every $2,000 spent — up to 20,000 Bonus Miles
- 1 Mile on every $1 you spend - Plus flexible redemption options like travel credits, merchandise, gift cards or cash
- 0% intro APR on balance transfers for 12 months, then the variable purchase APR of 10.99% - 15.99%*
- No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
- Travel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover card
- Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
- 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.
Pulaski Bank Visa® Gold Card
Zero worries. Zero hassles. Zero % balance transfers.
Summary:
APR for Balance Transfers: 0.00% (for 6 Months)
Balance Transfer Fee: None
Ongoing APR: 8.00%
Cash Advance APR: 8.00%
Cash Advance Fee: None
Annual Fee: $50.00
Late Fee: $15-$35
Overlimit Fee: $35.00
Returned Check Fee: $29.00
Grace Period: 25 Days
Credit Line: $1,000 to $20,000
Issuer: Pulaski Bank
APR for Balance Transfers: 0.00% (for 6 Months)
Balance Transfer Fee: None
Ongoing APR: 8.00%
Cash Advance APR: 8.00%
Cash Advance Fee: None
Annual Fee: $50.00
Late Fee: $15-$35
Overlimit Fee: $35.00
Returned Check Fee: $29.00
Grace Period: 25 Days
Credit Line: $1,000 to $20,000
Issuer: Pulaski Bank
Blue Cash EverydaySM Card from American Express
Earn up to 5% cash back on everyday purchases - even gas!
Summary:
APR for Balance Transfers: As low as Prime + 13.99% (Currently 17.24%)
Balance Transfer Fee: 3% (minimum $5)
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: 17.24%-22.24% Variable
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Reward Program: Up to 5% Cash Back
Late Fee: $35.00
Overlimit Fee: N/A
Returned Check Fee: $35.00
Grace Period: 25 Days
Credit Line: Up to $100,000
Issuer: American Express Co.
APR for Balance Transfers: As low as Prime + 13.99% (Currently 17.24%)
Balance Transfer Fee: 3% (minimum $5)
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: 17.24%-22.24% Variable
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Reward Program: Up to 5% Cash Back
Late Fee: $35.00
Overlimit Fee: N/A
Returned Check Fee: $35.00
Grace Period: 25 Days
Credit Line: Up to $100,000
Issuer: American Express Co.
Features:
- Earn $100 cash back after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
- 0% intro APR on purchases for 12 months, flexibility to pay over time
- Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
- NO spend minimum, NO enrollment, and NO rotating rewards categories
- Get a $25 Referral Bonus for each friend or family member who is approved for the Card
- No annual fee, flexibility to pay over time
See Terms, Conditions & Disclosures
Pulaski Bank MasterCard® or VISA®
High Velocity Savings! Best Credit Card Rates in the Country...
Summary:
APR for Balance Transfers: 0.00% (for 6 Months)
Balance Transfer Fee: None
Ongoing APR: 6.50%
Cash Advance APR: 6.50%
Cash Advance Fee: None
Annual Fee: $35.00
Late Fee: $15-$35
Overlimit Fee: $35.00
Returned Check Fee: $29.00
Grace Period: 25 Days
Credit Line: $1,000 to $20,000
Issuer: Pulaski Bank
APR for Balance Transfers: 0.00% (for 6 Months)
Balance Transfer Fee: None
Ongoing APR: 6.50%
Cash Advance APR: 6.50%
Cash Advance Fee: None
Annual Fee: $35.00
Late Fee: $15-$35
Overlimit Fee: $35.00
Returned Check Fee: $29.00
Grace Period: 25 Days
Credit Line: $1,000 to $20,000
Issuer: Pulaski Bank
Blue Sky from American Express®
Say good-bye to Travel Reward Restrictions!
Summary:
APR for Balance Transfers: As low as Prime + 13.99% (Currently 17.24%)
Balance Transfer Fee: 3% (minimum $5)
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: 17.24%-22.24% Variable
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Reward Program: Travel Points
Late Fee: $35.00
Overlimit Fee: N/A
Returned Check Fee: $35.00
Grace Period: 25 Days
Issuer: American Express Co.
APR for Balance Transfers: As low as Prime + 13.99% (Currently 17.24%)
Balance Transfer Fee: 3% (minimum $5)
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: 17.24%-22.24% Variable
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Reward Program: Travel Points
Late Fee: $35.00
Overlimit Fee: N/A
Returned Check Fee: $35.00
Grace Period: 25 Days
Issuer: American Express Co.
Features:
- 7,500 bonus points when you spend $1,000 within 3 months — redeemable for a $100 statement credit.
- No annual fee.
- Travel rewards with no blackout dates or travel restrictions. Redeem with any airline, any car rental, any hotel —anytime.
- Pay your bill all at once, or over time. It's up to you.
- Blue Savings Program(R): big deals on big brands, all the time.
- Get a decision in as little as 60 seconds.
See Terms, Conditions & Disclosures
True Earnings® Card from Costco and American Express
Earn Cash Back with the True Earnings® Card from Costco and American Express.
Summary:
APR for Balance Transfers: 15.24
Balance Transfer Fee: 3% (minimum $5)
Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: 15.24% Variable
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Reward Program: Up to 3% Cash Back
Late Fee: $35.00
Overlimit Fee: N/A
Returned Check Fee: $35.00
Grace Period: 20 Days
Issuer: American Express Co.
APR for Balance Transfers: 15.24
Balance Transfer Fee: 3% (minimum $5)
Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: 15.24% Variable
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Reward Program: Up to 3% Cash Back
Late Fee: $35.00
Overlimit Fee: N/A
Returned Check Fee: $35.00
Grace Period: 20 Days
Issuer: American Express Co.
Features:
- American Express® Card and Costco Membership Card in one - with no annual fee for Costco members
- Cash back on the things you buy: 3% for the first $3,000 in annual gasoline purchases (1% thereafter), 2% for restaurants, 2% for travel, and 1% everywhere else, including Costco
- Rated 4.5 out of 5 stars in overall satisfaction by current TrueEarnings® Cardmembers from Costco and American Express
Starwood Preferred Guest® Credit Card from American Express
Earn FREE NIGHTS and FREE FLIGHTS with the Starwood Preferred Guest® Credit Card!
Summary:
APR for Balance Transfers: 15.24-19.24% (for 6 Months)
Balance Transfer Fee: None if submitted with this application
Ongoing APR: 15.24-19.24% Variable
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $65, First Year Free
Reward Program: Starpoints
Late Fee: $35.00
Overlimit Fee: N/A
Returned Check Fee: $35.00
Grace Period: 20 Days
Credit Line: Up to $100,000
Issuer: American Express Co.
APR for Balance Transfers: 15.24-19.24% (for 6 Months)
Balance Transfer Fee: None if submitted with this application
Ongoing APR: 15.24-19.24% Variable
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $65, First Year Free
Reward Program: Starpoints
Late Fee: $35.00
Overlimit Fee: N/A
Returned Check Fee: $35.00
Grace Period: 20 Days
Credit Line: Up to $100,000
Issuer: American Express Co.
Features:
- Starpoints® Bonus: 10K with your first purchase and another 15K when you spend $5k within 6 months — enough for up to 6 free nights at a Category 1 or 2 hotel
- Free nights, free flights: Redeem Starpoints with over 350 airlines through SPG Flights and more than 1,000 hotels and resorts worldwide. No blackout dates
- 2011 SmarterTravel® Award for "Best Travel Rewards Card"
- $0 introductory annual fee for the first year, then $65
See Card Terms and Conditions
UltraVX® Visa®
Now anyone can qualify for a secured credit card with UltraVX® Visa®.
Summary:
Ongoing APR: 18.90%
Cash Advance APR: 18.90%
Cash Advance Fee: $2 ($5 for International)
Reward Program: Clear Rewards
Late Fee: $25.00
Overlimit Fee: $25.00
Returned Check Fee: $25.00
Grace Period: at least 25 days on purchases
Total Initial Charge: $29.95
Issuer: New Millennium Bank
Ongoing APR: 18.90%
Cash Advance APR: 18.90%
Cash Advance Fee: $2 ($5 for International)
Reward Program: Clear Rewards
Late Fee: $25.00
Overlimit Fee: $25.00
Returned Check Fee: $25.00
Grace Period: at least 25 days on purchases
Total Initial Charge: $29.95
Issuer: New Millennium Bank
Features:
- UltraVX® makes it easy to manage your finances
- Automatic minimum payments
- Reports to all 3 major credit bureaus
- No credit check, no bank account required
- Instant online approval
- Earn rewards for iTunes, Southwest Airlines, American Airlines, JetBlue, US Air, Marriott Hotels, Hilton Hotels, and many more with no restrictions*.
*Subject to terms and conditions.
American DreamCard™ MasterCard®
Your Chance to WIN!
Summary:
Ongoing APR: As low as 14.99%*
Cash Advance APR: Prime + 25.99% (Currently 29.24%)
Minimum Cash Advance APR: 29.99%
Cash Advance Fee: 4% (minimum $15)*
Annual Fee: None
Reward Program: Sweepstakes
Late Fee: $39.00
Overlimit Fee: $39.00
Grace Period: 20 Days
Issuer: American DreamCard
Ongoing APR: As low as 14.99%*
Cash Advance APR: Prime + 25.99% (Currently 29.24%)
Minimum Cash Advance APR: 29.99%
Cash Advance Fee: 4% (minimum $15)*
Annual Fee: None
Reward Program: Sweepstakes
Late Fee: $39.00
Overlimit Fee: $39.00
Grace Period: 20 Days
Issuer: American DreamCard
Features:
- Earn entries from everyday shopping!*
- More entries mean more chances to win!
- Get 1,000 entries just for applying!
- Large Monthly Cash Jackpots!
- A New Winner Every Month!
*See web site terms and conditionsfor important rate, fee and other cost information, and limitations.
Discover® Student Card
Easy online account options that put you in control
Summary:
Intro APR for Purchases: 0.00% (for 9 Months*)
Ongoing APR: 12.99%-18.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 5% (minimum $10)
Annual Fee: None
Reward Program: 1-20%* Cashback Bonus®
Late Fee: Up to $35
Returned Check Fee: Up to $35
Grace Period: 25 Days
Issuer: Discover Bank
Intro APR for Purchases: 0.00% (for 9 Months*)
Ongoing APR: 12.99%-18.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 5% (minimum $10)
Annual Fee: None
Reward Program: 1-20%* Cashback Bonus®
Late Fee: Up to $35
Returned Check Fee: Up to $35
Grace Period: 25 Days
Issuer: Discover Bank
Features:
- 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% - 18.99%*
- 5% Cashback Bonus® in categories that change like gas, groceries, restaurants, department stores and more. Limitations apply**
- Up to 1% unlimited Cashback Bonus on everything else you buy
- $0 Fraud Liability- you will not be responsible for unauthorized charges
- No Annual Fee
- Text and Email alerts
*Click apply to view rates, fees, rewards, limitations and other important information.
New Millennium Bank Platinum Visa® or MasterCard®
NMB has guaranteed your credit approval for up to $10,000* with no credit check!
Summary:
Ongoing APR: 19.50%
Cash Advance APR: 19.50%
Cash Advance Fee: 2% (min. $1, max. $20)
Annual Fee: $59.00
Reward Program: Travel Rewards
Late Fee: $20.00
Overlimit Fee: $20.00
Grace Period: None
Total Initial Charge: $99.95
Credit Line: $300 to $5,000/card
Issuer: New Millennium Bank
Ongoing APR: 19.50%
Cash Advance APR: 19.50%
Cash Advance Fee: 2% (min. $1, max. $20)
Annual Fee: $59.00
Reward Program: Travel Rewards
Late Fee: $20.00
Overlimit Fee: $20.00
Grace Period: None
Total Initial Charge: $99.95
Credit Line: $300 to $5,000/card
Issuer: New Millennium Bank
Features:
- Guaranteed* Issue
- NO credit check, EVER
- NOBODY gets turned down
- Reports to 3 major CREDIT BUREAUS
- Credit approval for up to $10,000 (with both cards)*
- YOU are APPROVED regardless of income or credit history
- Complimentary online services for account management and payments
*See Rates, Fees & Other Terms.
American Express® Gold Card
Gold benefits, with a rich array of travel rewards.
Summary:
Ongoing APR: N/A; Due in full each month
Annual Fee: $0 for the first year, then $125
Reward Program: Membership Rewards® Points
Late Fee: from $0 to the greater of $35 or 2.99%
Overlimit Fee: N/A
Credit Line: No pre-set limit*
Issuer: American Express Co.
Ongoing APR: N/A; Due in full each month
Annual Fee: $0 for the first year, then $125
Reward Program: Membership Rewards® Points
Late Fee: from $0 to the greater of $35 or 2.99%
Overlimit Fee: N/A
Credit Line: No pre-set limit*
Issuer: American Express Co.
Features:
- Exclusive access to Gold Card Events — select concerts, shows, major sporting events, and more.
- Purchase Protection* can protect eligible items for up to 90 days from the date of purchase if stolen or accidentally damaged. *Underwritten by AMEX Assurance Company
- Redeem Membership Rewards® points for an exclusive array of travel, shopping, dining and entertainment rewards.
- Introductory annual fee of $0 for the first year, then $125.
- Get a decision in as little as 60 seconds.
*See card offer terms.