US National Credit Cards

Balance Transfer Credit Cards

Paying on a balance is easier when you are not paying interest. Many card issuers are now offering 0% Introductory APR on Balance Transfers. Some are even extending these offers well over 12 months. In addition, while getting this introductory APR many offer no annual fee, cash back, air miles, reward points and more!

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10 Offers -

BankAmericard® Credit Card

Rewards: None
For Excellent or Good Credit
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 13.49% - 23.49% Variable APR
  • $0 Intro balance transfer fee during first 60 days of account opening. After that, the fee for future balance transfers is 3% (min. $10).
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app

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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
 0% for 15 Billing Cycles  0% for 15 Billing Cycles None 13.49% - 23.49% Variable APR on purchases and balance transfers $0 Be the First
Citi® Double Cash Card – 18 month BT offer

Rewards: Cash Back
For Excellent or Good Credit
  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.99% - 24.99% based on your creditworthiness*
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*

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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
 0% for 18 months N/A None 14.99% - 24.99%* (Variable) $0* Be the First
HSBC Cash Rewards Mastercard® credit card

Rewards: Cash Back
For Excellent or Good Credit
  • Earn unlimited 1.5% cash rewards on all purchases.
  • Earn a $150 cash rewards intro bonus after spending $500 in the first 3 months.
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 15 months on balance transfers, then a 14.49%, 18.49% or 24.49% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • See Rates & Fees

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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
 0% for 15 months N/A $150 Bonus* 14.49% - 24.49% (V)* $0 Be the First

Bank of America® Cash Rewards Credit Card

Rewards: Cash Back
For Excellent or Good Credit
  • No annual fee
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 14.49% - 24.49% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
  • Easily add your Mastercard® credit card to any digital wallet for a simple, secure, and convenient way to pay online, in-app, and in-store

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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
 0% for 12 Billing Cycles  0% for 12 Billing Cycles $150 Online Cash Rewards Bonus 14.49% - 24.49% Variable APR on purchases and balance transfers $0 Be the First
Citi® Diamond Preferred® Card– 21 Month Balance Transfer Offer

Rewards: None
For Excellent or Good Credit
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that the variable APR will be 14.49% - 24.49%, based on your creditworthiness*
  • 0% Intro APR on purchases for 12 months from date of account opening. After that the variable APR will be 14.49% - 24.49%, based on your creditworthiness*
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
  • Free access to FICO® Scores*

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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
 0% for 21 months  0% for 12 months None 14.49% - 24.49%* (Variable) $0* Be the First
U.S. Bank Cash+™ Visa Signature® Card

Rewards: Cash Back
For Excellent Credit
  • New Cardmember bonus: $150 after you spend $500 in eligible net purchases in the first 90 days of account opening.
  • 5% cash back on your first $2,000 in eligible net purchases each quarter on the combined two categories you choose.
  • 2% cash back on your choice of one everyday category, like gas or groceries.
  • 1% cash back on all other eligible net purchases.
  • No limit on total cash back earned.
  • 0% Intro APR* on balance transfers for 12 billing cycles. After that, a variable APR currently 15.49% - 24.49%
  • No annual fee
  • Great Offer for Customers of U.S. Bank, a 2017 World's Most Ethical Company® - Ethisphere Institute, March 2017

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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
 0% for 12 months N/A $150 Bonus* 15.49% - 24.49% Variable* $0* Be the First
Citi Simplicity® Card - No Late Fees Ever

Rewards: None
For Excellent or Good Credit
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee…EVER
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 15.49% - 25.49% based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day – just say “representative”
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
 0% for 18 months  0% for 18 months None 15.49% - 25.49%* (Variable) $0* Be the First
Citi ThankYou® Preferred Card

Rewards: Flexible Rewards
For Excellent Credit
  • Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer; after that, the variable APR will be 14.99% - 24.99% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • Points are redeemable for gift cards to popular retailers, restaurants, and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No annual fee*

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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
 0% for 15 months  0% for 15 months None 14.99% - 24.99%* (Variable) $0* Be the First
U.S. Bank Cash 365™ American Express® Card

Rewards: Cash Back
For Excellent Credit
  • New Cardmember bonus: $150 after you spend $500 in eligible net purchases in the first 90 days of account opening.
  • Unlimited 1.5% cash back on all eligible net purchases.
  • No categories. Just use your card and earn unlimited cash back.
  • Cash back never expires and no minimum redemption options.
  • No Annual Fee*.
  • 0% Intro APR* on balance transfers for 12 billing cycles. After that, a variable APR currently 15.49% - 24.49%

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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
 0% for 12 billing cycles N/A $150 Bonus* 15.49% - 24.49% Variable* $0* Be the First


†See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuers website.

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