Balance Transfer Credit Cards

Transfer your balances from higher APR credit cards and/or other loans into lower APR card and save a lot of money on interest. Simply use the balance transfer request form provided in an online credit card application or make the transfer over the phone once your application is approved. Start saving today, choose the card that meets your credit needs and apply now!

Citi Platinum Select Card

0% APR* on balance transfers and purchases for up to 12 months
No annual fee
Citi® Identity Theft Solutions
$0 Liability on unauthorized purchases
Secure, free online account management
Extra Cash from Citi: enjoy significant discounts on gift cards, travel, merchandise and more.

Intro APR	Intro APR Period	Regular APR	Balance Transfer	Annual Fee	Credit Required
0%	up to 12 Months	As Low As 11.99%	Yes	None	Good

Discover More(SM) Card

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 APR Period	Regular APR	Balance Transfer	Annual Fee	Credit Required
0%	Up to 6 Months	11.99% - 18.99%	Yes	None	Good

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 APR Period	Regular APR	Balance Transfer	Annual Fee	Credit Required
0%	Up to 6 Months	11.99% - 18.99%	Yes	None	Good

Discover More(SM) Card - American Flag

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 APR Period	Regular APR	Balance Transfer	Annual Fee	Credit Required
0%	Up to 6 Months	11.99% - 18.99%	Yes	None	Good

Discover Open Road(SM) Card

Double Cashback Bonus on grocery store purchases in November and December*
0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers
Save at the pump and everywhere else.*
5% Cashback Bonus® on gas and auto maintenance purchases
5% to 20% Cashback Bonus at top online retailers*
Up to 1% Cashback Bonus on all other purchases
Unlimited cash rewards
Increase, even double, the value of your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners

Intro APR	Intro APR Period	Regular APR	Balance Transfer	Annual Fee	Credit Required
0%	Up to 6 Months	11.99% - 18.99%	Yes	None	Good

Citi Forward(SM) Card

The credit card that rewards you for good behavior.
Up to a 2% purchase APR reduction when you make a purchase, stay under your credit line and pay on time 3 billing periods in a row.
6,000 bonus points after $50 in purchases are made within 3 months of account opening.
5,000 bonus points when you sign up for paperless statements within 3 months of account opening.
5 reward points for every $1 you spend on dining, books, movies and music. 1 reward point for every $1 you spend on other purchases.
0% APR for 6 months on purchases and balance transfers.

Intro APR	Intro APR Period	Regular APR	Balance Transfer	Annual Fee	Credit Required
0%	6 Months	14.24%	Yes	None	Good

Credit Card Balance Transfer Guide

A balance transfer credit card can be a great tool to help you get rid of credit card debt. To make the most of the card, however, it is important to understand how it works. If you’re thinking of applying for a balance transfer credit card, use the following information as a guide to help you make the best decision.

Know your Balance

Before you get a new credit card, make sure you know just how much credit card debt you are currently carrying. You may choose to transfer all of it onto a new card, or you might find that it is better to only bring over a portion of the debt. Decide on an amount that you can practically pay off during a reasonable amount of time.

Look at the Interest Rate

Many balance transfer credit cards come with an initial 0% APR. This can last for six months or even up to a year. Before you apply, find out how long the zero interest period will last. Ideally, you will want to pay off the balance during the 0% APR timeframe.

Check the Fees

Some balance transfer credit cards charge a fee for the initial transfer. Others include an annual fee. Before you sign up, find out what you will be charged for. If the fees are too high, look for a card that charges less for balance transfers.

Make a Plan

Think about how much money you can set aside each month, and use that amount to pay off the balance you transfer. If you pay off the debt during the 0% APR period, you’ll save yourself hundreds of dollars in interest fees. This significant savings is what makes a balance transfer credit card a smart choice to pay off debt.

Apply for a Balance Transfer Credit Card

Important Notices and Disclosures:
Terms and conditions balance transfer credit cards including APR eligibility vary for each credit card issuer. You can review complete balance transfer credit card offer terms and conditions by clicking on "Apply Now!" link placed next to each offer.