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The balance transfer calculator has been designed to help you get an estimate of how much money you can save with a low or 0% interest balance transfer. In the first section, we've put in the introductory rate, introductory APR period and balance transfer fees for a typical 0% balance transfer offer. In second section, you can plug in the details of your current credit cards. Then, press calculate to find out how much money you could save with a balance transfer credit card.
Note: The balance transfer calculator provides a general estimate of how much can be saved with a 0% balance transfer. Various factors, including minimum payment requirements, personal repayment levels as well as other factors could skew the results of the calculator. Consequently, we stress the fact that the results are an estimate.
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Below you can view my top picks in the balance transfer category and apply online. To view more offers, please see the balance transfer section of CardWisdom.com.
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Apply Now
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- 0% Intro APR on balance transfers and purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.
- Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
- Citi® Identity Theft Solutions
- No annual fee*
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| Purchase Intro APR |
Balance Transfer Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
0%
for 18 months
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0%
for 18 months
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11.99% - 21.99%* (Variable) |
None |
Good |
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Apply Now
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- $100 cash back after $500 in purchases within the first 3 months of account opening.
- 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% based on your creditworthiness*. This APR will vary with the market based on the Prime Rate.
- 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment. Each quarter, you can enroll to earn additional cash back in popular categories. To learn
more, visit dividend.quarterlyoffer.citi.com.
- Full 1% cash back on all other purchases and eligible cash advances
- No Annual Fee*
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| Purchase Intro APR |
Balance Transfer Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
0%
for 12 months*
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0%
for 12 months*
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12.99% - 22.99%* (Variable) |
None |
Good |
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Apply Now
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- 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Discover is ranked #1 in customer loyalty--15 years in row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- $0 Fraud Liability plus automatic mobile and email fraud alert options
- 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
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| Purchase Intro APR |
Balance Transfer Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
0%*
for 6 months*
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0%*
for 18 months*
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10.99%-20.99% (Variable)* |
None |
Excellent |
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Apply Now
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- 0% intro APR until May 2013 on balance transfers
- 0% intro APR until until March 2013 on purchases
- No annual fee
- $0 Fraud Liability if your card is lost or stolen
- 24-hour travel assistance gives you a replacement card and cash advance
- 24-hour roadside assistance
- Pick an image for your card-choose the one shown here, any of the hundreds in our collection or add your own
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| Purchase Intro APR |
Balance Transfer Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
0%
until May 2013*
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0%
until May 2013*
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10.9% - 18.9% (V) |
None |
Excellent |
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Apply Now
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- This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
- Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
- 0% Intro APR for 12 months on balance transfers and 6 months on purchases
- 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12.
- You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
- Unlimited 1% Cash Back on all other purchases without limits on what you can earn and up to an additional 10% Cash Back when you shop online at select merchants through Chase
- No annual fee and rewards never expire
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| Purchase Intro APR |
Balance Transfer Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
0%
for 6 Months
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0%
for 12 Months
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11.99%-22.99% Variable* |
None |
Good |
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Apply Now
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- 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- $0 Fraud Liability plus automatic mobile and email fraud alert options
- 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
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| Purchase Intro APR |
Balance Transfer Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
0%*
for 15 Months*
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0%*
for 15 Months*
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10.99% - 20.99% (Variable)* |
None |
Excellent |
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