Balance Transfer Credit Cards

Credit card issuers are a bit unforgiving when it comes to raising your interest rates. Whether you have an introductory rate that is about to expire or you have made a late payment, a credit card company can hike their rates quickly and without warning.

In such cases, it is a good idea to make a balance transfer to another card. Balance transfer rewards cards seem to welcome credit card debt with open arms, offering a low introductory rate and other possible perks. Think of it as a second chance to pay off your original balance, only with better conditions this time.


Credit Panda's Recommended Credit Card

Credit Panda recommends Bank of America Visa Signature® WorldPoints® Rewards as our favorite Balance Transfer credit card.

  • Introductory 0% APR for Cash Advance Checks and Balance Transfers through Your First 12 Billing Cycles
  • No Annual Fee
  • Absolute Fraud Protection
  • Earn 1 Point for Every $1 in Net Retail Purchases
  • Online Access and 24-Hour Service
  • Apply now at the Bank of America website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 12 Billing Cycles

9.90% / 15.99% Fixed

$0

Excellent

Brighter Planet Visa® Credit Card

  • 1,000 EarthSmart Bonus Points with First Transaction
  • 1 EarthSmart Point for Every $1 Net Retail
  • For Every Two Base Points Earned Through December 2008, Bank of America Will Make a Matching Contribution of One Additional Point
  • 1,000 EarthSmart Bonus Points for Signing up for Paperless Statements
  • Apply now at the Bank of America website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 12 Months

9.90% / 15.99% Fixed

$0

None

IberiaBank MasterCard® Gold Cash Back Rewards Card

  • No Limit on Cash Back; No Expiration for The Life of Your Account
  • 1% Cash Back on Everything You Buy From Day One
  • No Minimum to Redeem for Cash
  • 0% Introductory APR on Balance Transfers for Your First 6 Billing Cycles
  • No Annual Membership Fee
  • Apply now at the the card issuer's website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 6 Months

8.24% Variable

$0

Good

IberiaBank MasterCard® Gold Cash Back Rewards Card

  • No Limit on Cash Back; No Expiration for The Life of Your Account
  • 1% Cash Back on Everything You Buy From Day One
  • No Minimum to Redeem for Cash
  • 0% Introductory APR on Balance Transfers for Your First 6 Billing Cycles
  • No Annual Membership Fee
  • Apply now at the the card issuer's website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 6 Months

8.24% Variable

$0

Good

Bank of America WorldPoints® Platinum Plus™ MasterCard® Credit Card

  • Redeem Your Points for Travel with No Blackout Dates, Cash, Brand-Name Merchandise, or Dining Certificates
  • Earn 1 Point for Every Net Retail Purchase Dollar
  • Free 24/7 Concierge Service
  • No Annual Fee
  • Absolute Fraud Protection
  • Apply now at the Bank of America website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 12 Billing Cycles

9.90% / 15.99% Fixed

$0

Very Good

Bank of America World MasterCard® with WorldPoints™

  • Redeem Your Points for Travel with No Blackout Dates, Cash, Brand-Name Merchandise, or Dining Certificates
  • Earn 1 Point for Every Net Retail Purchase Dollar
  • Online Account Access and Point Management
  • No Annual Fee
  • Absolute Fraud Protection
  • Apply now at the Bank of America website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 12 Billing Cycles

9.90% / 15.99% Fixed

$0

Outstanding

Bass Pro Shops® Outdoor Rewards Platinum Plus® Visa® Card

  • 0% Introductory Annual Percentage Rate (APR) on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles
  • Help Conservation Efforts - With Each Card Purchase, Bass Pro Shops and the National Fish and Wildlife Foundation Will Make a Contribution to Help Conservation Efforts, with a Guaranteed Yearly Contribution as High as $1.5 Million, at No Additional
  • Card Issued by FIA Card Services, N.A.
  • No Annual Fee
  • Apply now at the Bank of America website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 12 Billing Cycles

9.90% / 15.99% Fixed

$0

Very Good

Bank of America WorldPoints® Platinum Plus® Visa® Card

  • No Annual Fee
  • 0% Introductory Annual Percentage Rate (APR) on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles
  • 100% Fraud Protection
  • Earn 1 Point for Every Dollar You Spend in Net Retail Purchases. Points are Redeemable for Cash, Brand Name Merchandise, Travel with No Blackout Dates, Dining Certificates and More
  • Online Account Access and Points Management
  • Apply now at the Bank of America website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 12 Billing Cycles

9.90% / 15.99% Fixed

$0

Very Good

TripRewards® MasterCard® Credit Card

  • Earn 13 Points for Every $1 Spent for Qualifying TripRewards® Hotel Stays
  • Earn 2 Points for Every $1 in Purchases
  • No Annual Fee
  • Redeem Your Points for Hotel Stays, Dining, Shopping, and Auto Rentals
  • 24-Hour Online Access
  • Apply now at the Bank of America website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 12 Billing Cycles

9.90% / 15.99% Fixed

$0

Very Good

BoatU.S.™ WorldPoints® Platinum Plus® Visa® Card

  • Access to the MyConcierge(SM) Service, a Unique Personal Assistance Service
  • Earn 1 Point for Every Net Retail Purchase Dollar Spent and Redeem Your Points for Travel, Merchandise, Gift Certificates, and Cash
  • No Annual Fee
  • Absolute Fraud Protection Against Unauthorized Use, Online and Offline
  • Card Issued by FIA Card Services, N.A.
  • Apply now at the Bank of America website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 12 Billing Cycles

9.90% / 15.99% Fixed

$0

Very Good

NASCAR RacePoints(SM) Platinum Plus® Visa® Credit Card

  • Redeem Points for Exclusive NASCAR® Experiences and Collectibles
  • Earn RacePoints(SM) Every Time You Make a Purchase
  • Free Online Account Access
  • No Annual Fee
  • 0% Introductory Annual Percentage Rate (APR) on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles
  • Apply now at the Bank of America website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 12 Billing Cycles

9.90% / 15.99% Fixed

$0

Very Good

Major League Baseball® Extra Bases™ Credit Card

  • Get an Official MLB™ Licensed Jersey after Your First Qualifying Transaction(s) Using Your MLB™ Extra Bases™ Credit Card
  • Get the Card That's a Hit with Baseball Fans!
  • 0% Introductory Annual Percentage Rate (APR) on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles
  • Earn 1 Point for Every Net Retail Dollar Spent Redeemable for MLB™ Autographed Memorabilia, Once-in-a-Lifetime MLB™ Experiences, Cash Rewards and Travel with No Blackout Dates
  • No Annual Fee
  • Apply now at the Bank of America website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 12 Billing Cycles

9.90% / 15.99% Fixed

$0

None

NFL Extra Points™ Platinum Plus® Visa® Card

  • No Annual Fee
  • Reward Yourself with a $50 NFLshop.com Gift Card after Your First Qualifying Transaction(s) Using Your NFL Extra Points™ Visa® Credit Card
  • 0% Introductory Annual Percentage Rate (APR) on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles
  • Earn 1 Point for Every Dollar You Spend in Net Retail Purchases. Points are Redeemable for NFL Merchandise, Tickets, and VIP Passes to NFL Experiences
  • 100% Fraud Protection
  • Apply now at the Bank of America website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 12 Billing Cycles

9.90% / 15.99% Fixed

$0

Very Good

World Series of Poker® Visa® Card with WorldPoints® Rewards

  • Earn 1 Point for Every Dollar You Spend in Net Retail Purchases
  • 0% Introductory Annual Percentage Rate (APR) on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles
  • Redemption Options Include Travel With No Blackout Dates, Unlimited Cash-Back, Brand-Name Merchandise, or Gift Cards
  • Redeem for WSOP Buy-Ins Including the Texas Hold'em World Championship
  • No Annual Fee
  • Apply now at the the card issuer's website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 12 Billing Cycles

9.90% / 15.99% Fixed

$0

Very Good

Total Rewards® Platinum Plus® Credit Card

  • These Reward Credits Will Be Added to Your Total Rewards Account Balance, which Can Also Be Earned by Your Gaming Play at Any Harrah's Operating Company Casino
  • Earn 1 Reward Credit for Every $1 You Charge in Net Retail Purchases Anywhere - at the Grocery Store, Mall, Gas Station, Online, Even when You Pay Recurring Monthly Bills
  • Card Issued by FIA Card Services, N.A.
  • 0% Introductory Annual Percentage Rate (APR) on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles
  • Apply now at the the card issuer's website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 12 Billing Cycles

9.90% / 15.99% Fixed

$0

Very Good

Pulaski Bank Visa® / MasterCard®

  • Best Credit Card Rate in the Country
  • Fixed Low Rate
  • 0.0% Introductory APR on All Balance Transfers
  • No Fee Balance Transfers
  • Apply now at the the card issuer's website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 6 Months

6.50% Fixed

$35

None

Advanta Platinum BusinessCard with Rewards

  • 7.99 Variable APR on Purchases
  • 0% APR on Balance Transfers for 15 Months, 7.99% Fixed APR Thereafter
  • No Annual Fee and No Limit on Earnings
  • Choice of 5% Cash Back or Travel Rewards
  • $0 Fraud Liability
  • Apply now at the Advanta website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 15 Months

7.99% Variable

$0

Very Good

Bank of America Rewards™ American Express® Card

  • No Annual Fee and the Flexibility to Pay Over Time
  • 0% Intro Annual Percentage Rate (APR) on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles
  • Earn One Point for Every Net Retail Purchase Dollar
  • Redeem Your Points for Travel with No Blackout Dates, Discounts at Hotels, Cash, Brand-Name Merchandise, or Gift Certificates
  • Access to Special Cardmember Offers from American Express to Save on Shopping, Dining, Travel, Hotels, and Much More
  • Apply now at the Bank of America website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 12 Billing Cycles

9.99% Fixed

$0

None

IberiaBank MasterCard®

  • No Annual Membership Fee
  • Variable Rates As Low As Prime - 1%25 Day Grace Period
  • 0% Introductory APR on Balance Transfers for Your First 6 Billing Cycles
  • Online Access to Credit Card Information
  • Apply now at the the card issuer's website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 6 Months

6.25% Variable

$0

None