Best Balance Transfer Credit Cards
Looking to consolidate your debt and pay it off faster, or reduce the amount of interest you pay on credit card debt by getting a balance transfer card? This category page can help you compare balance transfer credit cards and find the best credit card for you.
In addition to common credit card filters, use our Balance Transfer Rates filters to find the best new card for you:
Balance Transfer Period
Choose how many months you prefer or think you'll need to stay on the balance transfer rate for. The promotional period for a transfer offer varies, and includes many options so whether you need 12 months, 18 months, or 26 months you'll be able to find a good balance transfer deal that suits your needs and help you maintain a lower credit card balance.
Balance Transfer Rate
The balance transfer rate can really affect the total amount of money you end up paying back. This may be a priority for you; using the filter to find credit cards with a could be particularly helpful. Zero interest credit cards, even if only for a short promotional period, can be hugely beneficial to you in paying off credit card debt. Also make sure you read the fine print and look at the cash advance rate and standard interest rate - interest free days often don't apply when you have a balance transfer and when the promotion period ends, may sometimes revert to an often higher cash advance rate.
Balance Transfer Fee
The higher your balance transfer amount, the more you need to be wary of this fee if you get a new card. Use the filter to find credit cards with a balance transfer fee that you would be comfortable with.
Remember, using the filters together can be very useful and will help you find the best balance transfer credit card for you faster. For example, want a balance transfer credit card with an annual fee of at most $100, with a 0% balance transfer rate and a maximum balance transfer fee of 1%?
- Benefits: Complimentary Travel Insurance, Introductory Interest Rate and Reduced First Year Annual Fee
- Minimum Credit Limit : $6,000
- Maximum Credit Limit : $30,000
- Rewards Program: Suncorp Rewards
- Points Earn Rates : 1.25 points per $1
- Contactless Payments: Apple Pay, Google Pay and Samsung Pay
- Introductory Rate : 0% p.a. for 14 months on Purchases
- Reduced First Year Annual Fee : $49
- Balance Transfer Period : 18 months
- Balance Transfer Rate : 0% p.a.
Discounted $49 Annual Fee for your first year ($129 thereafter)
0% p.a. for 14 months on Balance Transfers
Earn 1.25 Rewards points per dollar spent
Complimentary International Travel Insurance and Extended Warranty Insurance
3.4% International Transaction Fee
Balance Transfer Rate reverts to high Cash Advance Rate of 21.99% after 14 months