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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

Discover® More (SM) Card - Flag
Editor's Pick: Offers a 0% Intro APR on balance transfers for 12 months*. Compare 0% APR Balance Transfer Credit Cards
0 APR Balance Transfer Credit Card Application
Citi® Platinum Select® MasterCard@
Offers a 0% APR on balance transfers and purchases for 6 months*. Compare 0 Balance Transfer Cards
No Fee Balance Transfer Offer
Discover® Motiva(SM) Card
Low Fee Balance Transfer: Offers a 3.99% APR on balance transfers for 12 months with a 3% fee.* Compare low and no fee balance transfers.
Fixed APR Balance Transfer
 

0% Balance Transfer News

From the Editor: After months of declines in the length of 0% balance transfer offers, Discover® has finally bucked the trend by offering a 0% APR for 12 months with its Discover® More (SM) Card - American Flag credit card. While this offer does charge slightly higher balance transfer fees than 0% offers lasting only 6 months, consumers with 10% interest rates can save 50% on interest by using the card for 0% balance transfers. Consumers with a 15% APR can reduce their interest expense by more than 60% and consumers with a 20% APR can save 75% over the course of one year. Hopefully, more credit card issuers will soon follow suit, but for right now, it is nice to have any offer of this length available to help people save on interest.

 

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 Periods Shortened

Most balance transfer veterans are accustomed to 0% balance transfers that last 12 months. Unfortunately, the credit crisis combined with new credit card laws have led most credit card companies to shorten balance transfer introductory periods to 6 months.

0% Balance Transfer Dos and Don'ts

With 0% balance transfer options dwindling and credit card companies growing evermore stingy, these tips can help you take advantage of the best deals on the market and avoid balance transfer mistakes that could sap your savings opportunities.

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.

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.

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

Discover balance transfers

Citi 0 balance transfer MasterCard Offers
American Express Fixed APR balance transfers for life

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

The Worst Credit Card of 2009: The worst credit card company of 2009 doesn't offer 0% balance transfers and, surprisingly, isn't issued by Citibank. This "bad credit" credit card charges over $250 in fees and preys on customers with bad credit who can't qualify for a 29.99% APR.

Citibank Continues Interest Rate Increases: Citibank continues to raise interest rates and draw the ire of customers whose low apr credit cards have become high interest jokes. 0% balance transfers are one option customers can pursue. Opting out and getting a new credit card is often the best approach.

0% Balance Transfer Offers Today: Finding a good 0% balance transfer offer is not as easy as it was a year ago. Most balance transfer credit cards only offer 0% rates for 6 months, though the best balance transfer credit cards still provide 0% interest rates for 12 months.

Credit Card Defaults Fall: Credit card defaults fell slightly last month, but elevated default levels will decrease the availablitly of low rate balance transfer and 0% APR credit card deals, as well as lead to increases in balance transfer fees and annual fees.

Bank of America Credit Card Annual Fees: Credit card companies have been increasing balance transfer fees, cash advance fees and interest rates all year long. Recently, Bank of America announced they would be raising annual fees on some credit cards. So far, we haven't heard from impacted consumers, but annual fees may become very common.

*Important Disclaimer: See credit card applications for complete terms and conditions. While Smart Balance Transfers makes reasonable efforts to maintain accurate information, all credit card information is presented without warranty. When you click an "Apply" button, you can review the credit card terms and conditions on the issuing company's website.