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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 Ink℠ with Ultimate Rewards℠ as our favorite Balance Transfer credit card.

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• • No dollar goes unrewarded
  • Cash back plus a million other redemption options
  • Unlimited rewards for you or your business
  • No caps and points never expire
  • When you redeem for cash back, your Ultimate Rewards points are 2 times as valuable as Membership Rewards points
  • Apply now at the Chase website.

Escape by Discover® Card

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• • 2 Miles per $1 on all purchases
  • 25,000 Bonus Miles - Earn 1,000 Miles each month you make a purchase for the first 25 months
  • Fly on any airline, book any hotel or car, with no blackout dates
  • No limit on the Miles you earn and Miles don\'t expire
  • Use Miles for travel, merchandise, gift cards or cash
  • Apply now at the the card issuer's website.

Chase Freedom® Visa - $50 Bonus Cash Back

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• • 0% Intro APR and No Annual Fee
  • Earn $50 Bonus Cash Back after first purchase
  • Unlimited 1% Cash Back on all other purchases with no spending tiers
  • 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy!
  • Up to an additional 20% cash back when you shop online at select merchants through Chase
  • Apply now at the Chase website.

Discover® More Card

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• • 0% intro APR on purchases for a full 6 months, then the Regular APR
  • 0% intro APR on balance transfers for a full 15 months, then the Regular APR
  • Up to 1% unlimited Cashback Bonus on all other purchases
  • 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
  • No Annual Fee
  • Apply now at the the card issuer's website.

Miles by Discover® Card

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• • 1 Mile per $1 on every purchase
  • 12,000 Bonus Miles - Earn 1,000 Miles each month you make a purchase for your 1st year
  • No limit on the Miles you earn and Miles don\'t expire
  • Plus, 2 Miles on travel and restaurant purchases on your first $3,000 each year
  • Fly on any airline, book any hotel or car, with no blackout dates
  • Apply now at the the card issuer's website.

Discover® Open Road Card

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• • 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
  • 2% Cashback Bonus automatically at any gas station and any restaurant
  • 0% intro APR on balance transfers for 12 full months, then the Regular APR
  • Up to 1% unlimited Cashback Bonus on all other purchases
  • 0% intro APR on purchases for 6 months, then the Regular APR
  • Apply now at the the card issuer's website.

Discover® More Card - $75 Cashback Bonus

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• • 0% intro APR on purchases for a full 6 months, then the Regular APR
  • 0% intro APR on balance transfers for a full 12 months, then the Regular APR
  • 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
  • Get $75 Cashback Bonus when you make $500 in purchases within 3 months
  • Up to 1% unlimited Cashback Bonus on all other purchases
  • Apply now at the the card issuer's website.

Discover® More Card - Black

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• • 0% intro APR on purchases for a full 9 months, then the Regular APR
  • 0% intro APR on balance transfers for a full 12 months, then the Regular APR
  • Up to 1% unlimited Cashback Bonus on all other purchases
  • 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
  • No Annual Fee
  • Apply now at the the card issuer's website.