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Balance Transfer Credit Card Guide

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SmartAsset Balance Transfer Card Reviews

Take our quiz to see which credit card is right for you


Our credit card calculator will help you determine the total interest and time it will take for you to pay off your debt.

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Balance Transfer Cards

Save money on existing card debt with a balance transfer card.

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Places Saving the Most on Balance Transfers

SmartAsset’s interactive map highlights the places in the country where people can save the most on balance transfers. Click between states and the national map to see where people save the most money.

Rank City Credit Card Debt Income Savings Savings as % of Debt Savings as % of Income

Methodology Our study aims to find the places where people can save the most rewards on credit card balance transfers. To find these places we modeled how much the average household could save by doing a balance transfer, moving their credit card debt from a card with a high interest rate to one with a zero interest period, as well as lower rate overall. We then looked at total annual savings over a 3 year period, after fees, as a percentage of the original credit card debt balance, as well as median household income for the city. We used the average Vantage Score of a given city to estimate a new credit card interest rate, based on the prevailing APR ranges of a selection of the top balance transfer credit cards.

Sources: Experian, Credit Karma, US Census Bureau 2015 5-Year American Community Survey, SmartAsset