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Welcome to Smart Balance Transfers

At Smart Balance Transfers, you can compare a wide selection of 0% APR balance transfer credit cards from leading banks and use our balance transfer calculator and articles to help you save the most money possible when you transfer a balance online. Since 2004, our company, Credit Card Depot Inc, has helped tens of thousands of consumers find new credit cards online. We designed this website to provide visitors like you with the targeted information necessary to maximize the savings that can be reaped with a balance transfer credit card.

Top Balance Transfer Credit Cards

0% APR Balance Transfer

No Balance Transfer Fee Credit Card

No Fee Balance Transfer - fixed APR

Biodegradable Discover® More

Offers a 0% APR on balance transfers for 9 months & a 0% on purchases for 6 months. Compare 0% APR Balance Transfer Credit Cards

0 APR Balance Transfer Credit Card Application

Citi® Platinum Select®

Offers a 0% APR on balance transfers & purchases for 6, 9 or 12 months. Compare 0 Balance Transfer Cards

Visa Black Card

Offers a 0% APR for 6 months on no fee balance transfers, but charges a $495 annual fee. Compare No Fee Balance Transfers

Balance Transfer Credit Card Articles

Balance Transfers 101

Covers the basics of 0 balance transfers. This article is designed to help first time users of balance transfer credit cards understand how these money saving transactions work as well as how to maximize your interest savings. Read Balance Transfers 101

0% Balance Transfer Credit Cards Ending

0% balance transfers have become an endangered species. Many credit card companies have reduced the length of 0% balance transfer offers and more companies are requiring higher credit scores for approval. Unfortunately, it is only a matter of time before 0% balance transfers are no longer available.

Don't Transfer Credit Card Balances When Applying Online

Credit card companies are raising balance transfer fees and shortening the length of 0% balance transfer offers. Why, because they don't want your balance transfers. Because of this, and two other key reasons, it is best to apply online and wait to transfer balances until after your credit card application is approved.

Benefits of 0% APR Balance Transfer Credit Cards

Do you know how much you money you give away to credit card companies every year? You can find out by using our balance transfer calculator, or learn more by reading about 0% APR balance transfer credit card benefits, an article that demonstrates how these credit cards can help you get out of debt faster.

How to Do a Credit Card Balance Transfer Correctly

When you do a balance transfer, there are a number of credit card tactics that can lead to an erosion in your potential savings. We put together six tips to help you avoid potential pitfalls so you can avoid late fees, high interest rates and confusing 0% APR offers that only last 3 months.

NEW! Balance Transfer Credit Card Application Tips

Getting a balance transfer credit card is not as easy as it was a few months ago. And, despite new credit card laws, credit card applications are as tricky as they've ever been. To help you avoid balance transfer credit card application traps, we've compiled a list of tips to help you get the most out of a money saving balance transfer.

The No Headache Balance Transfer Guide

Getting the best deal on a balance transfer credit card is not as easy as it used to be. Find out how to avoid fine print tricks such as tiered pricing that can make you believe you're getting a 0% APR for 1 year, but only grant you a 0% interest rate for 3 months and get the best balance transfer credit card.

Balance Transfers and Credit Scores

Wondering if applying for a new balance transfer credit card will hurt your credit score. While the effects vary from person to person, you may be pleasantly surprised to learn how a 0% balance transfer will effect your credit score.

Balance Transfer Fees 101

While a handful of credit cards offer no fee balance transfers, major credit card companies no longer offer no fee balance transfers and 0% interest rates for 1 year. Is paying a 3% balance transfer fee is worthwhile? (Hint: IT IS!) Learn more about balance transfer fees.

How Long do Credit Card Balance Transfers Take

While it may be tempting to transfer credit card balances online, it is better to wait until your credit card arrives in the mail before doing a 0% APR balance transfer. Consequently, a balance transfer can take as much as thirty days to clear in the worst case scenario.

More Balance Transfer Articles

Balance Transfer Credit Card Applications

How to Avoid a 0% APR Balance Transfer Mistake

A 0% APR balance transfer provides a great opportunity to save money on interest. However, there are three pitfalls one must avoid to insure a 0% balance transfer doesn't become a balance transfer mistake.

Continue to make payments on your old credit cards until your new credit card has completed the balance transfer: It can take anywhere from a few days to a few weeks for a balance transfer to clear with your old credit card company. Until it has, don't neglect bills from your old credit card.
Pay your new balance transfer bill on time: Obviously it is important to pay one's credit card bills on time. However, with a 0% introductory rate it is even more so. Why? Because the fine print states that a late payment can void the 0% APR balance transfer offer. In other words, if you miss a payment, you lose your special balance transfer rate.
Don't run up a bill on your old credit card and waste money paying interest on new purchases: Getting a credit card that offers a 0% APR on balance transfers and purchases is a good way to avoid this pitfall.

If you avoid these three pitfalls, you are prepared to maximize the savings a 0% balance transfer credit card provides.

Recent Smart Balance Transfer Bloggings

Chase Raises Balance Transfer Fees to 5%: In yet another sign that major credit card companies are seeking to reduce balance transfer credit card lending, Chase has announced that balance transfer fees will increase to 5% beginning in August.

Discover to Reduce Balance Transfers by 75%: We've all come to take balance transfer for granted. Unfortunately, more and more credit card companies are trying to get out of the balance transfer market. In a recent conference call, Discover announced that they want to reduce balance transfers by 75%. It is only a matter of time before other banks follow suit.

Bank of America Raises Balance Transfer Fees: On June 1st, Bank of America raised balance transfer fees (and cash advance fees) to 4% of the transaction with no maximum. In the monkey see, monkey do world of credit cards, it is only a matter of time before other credit card companies increase balance transfer fees.

Editor of Smart Balance Transfers in the News: In an article which appeared in the Christian Science Monitor, our editor discusses increases in balance transfer fees as well as the need for credit card companies to make it easier for consumers to compare credit card offers online.