Balance Transfer Calculator
Balance transfer credit cards can help you save hundreds of dollars on interest and reduce your credit card debt substantially. The balance transfer calculator at Smart Balance Transfers was designed to help you estimate how much you can save with a balance transfer. Simply input details about the credit card you intend to use for balance transfers along with your current credit card information to find out how a balance transfer can help you reduce your credit card debt and save money on interest.
Balance Transfer Credit Card Recommendations
- Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
- Generous. 5% cash back on up to $1,500 in Restaurant and Movie purchases from January through March 2014 with free and easy sign-up. And 1% cash back on all other purchases.*
- Human. 100% U.S.-based customer service available any time.
- Safe. Because you're never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
- Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
- 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
- 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
- * Click 'Apply' to see rates, rewards, and free FICO® Credit Score terms and other information.
- Have holiday balances? Save on holiday balances and new purchases too
- $0 balance transfer fee - introductory offer!
- 0% Introductory APR for 15 months on purchases and balance transfers
- $0 Annual Fee
- Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
- Citi® Easy DealsSM Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card.
- Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
- Let our 24/7 concierge service help book your hotel rooms, flights and more.
- $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
- No annual fee*
About the Balance Transfer Calculator: The balance transfer calculator was designed to help consumers get a general idea of just how much savings a 0% APR balance transfer credit card can provide. Our balance transfer calculator is based on a standard loan amortization formula. Because this formula calculates interest on a monthly, rather than a daily basis, there may be slight differences between the amount you save and the results provided by the calculator. Please consider the results an estimate. For additional information on balance transfers, please see our homepage where you will find articles and other helpful insights.
*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.