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12 Common Embryo Transfer Questions, Answered by IVF Experts

May 2nd, 2024 | 13 min. read

By Sierra Dehmler

After an embryo transfer, it's only natural to want to do everything "right" to encourage successful implantation. Here's a breakdown of what to expect, some important do's and don'ts, and answers to the most frequently asked questions about embryo transfers.

In this article: The Embryo Transfer Day Milestone 12 Common Questions About Embryo Transfer Can I pee (or sneeze) out my embryo? When will I find out if I'm pregnant or not? What are the early signs of pregnancy after embryo transfer? Is bleeding or discharge normal after embryo transfer? What can I do to increase my chances of successful implantation? How long does it take for the embryo to implant after transfer? Can I have sex after embryo transfer? Is bed rest beneficial after embryo transfer? What should I avoid after embryo transfer? What if my embryo transfer isn't successful? Are there any side effects from an embryo transfer? What happens if I get sick after embryo transfer?

The Embryo Transfer Day Milestone

Throughout your in vitro fertilization (IVF) cycle, you've dealt with so many morning monitoring appointments, ultrasounds, medications, forms, phone calls, emails and consults with your doctor - you've probably stopped keeping count.

Now, the day of your long-awaited embryo transfer has finally arrived, and you want to make sure you do everything by the book in order to give that little embryo the best chance at successful implantation. 

12 Common Questions About Embryo Transfer

While your Care Team will of course be on standby to provide individualized support, we understand that some things you may be wondering about may feel a bit awkward to bring up to your doctor or nurse.

That's why we're here - to bust some common embryo transfer myths and answer the most frequently asked post-transfer questions!

1. Can I pee (or sneeze) out my embryo?

If you've ever been worried about this, you're not alone! You'd be surprised just how many patients have similar concerns. After going through an entire IVF journey , it's only natural to want to be sure your little embryo will be safe and secure after transfer!

So...can you pee, sneeze, cough or jump too hard and stop your embryo from successfully implanting? Nope! Once that embryo is transferred, it's going to stay put.

Your embryo simply cannot be dislodged from the uterus post-transfer due to you sneezing, coughing, peeing or other bodily functions. Though the embryo will float around in your uterus a little before finding a comfortable spot to implant, these tiny embryos aren't as fragile as you may think!

In a nutshell, don't fret! Your embryo is safe and sound. And of course, if you have any concerns you can't shake, don't hesitate to reach out to your Care Team for reassurance. 

2. When will I find out if I'm pregnant or not?

If there's one thing you know at this point in your fertility journey, it's that there is a lot of waiting involved. After your embryo transfer, you'll have to wait about 9-10 days before you return to your fertility clinic for an official pregnancy test (performed via a simple blood test). 

Note: We strongly recommend waiting for that official pregnancy test instead of trying to do at-home tests during this 9-10 day waiting period post-transfer, as the medications involved in an IVF cycle can throw off your hormone levels, leading to inaccurate results.

We know it's difficult to hold off, but the blood test we do in the office will provide the most concrete answer (and save you a lot of confusion and anxiety). 

3. What are the early signs of pregnancy after embryo transfer?

This is (understandably) one of the most frequently asked questions we hear.

After all this time and effort, you're looking for any possible signs of success. It's important to note that many of the "typical" early pregnancy symptoms can also be caused by hormonal changes caused by prescribed medications. Here's why:

• Medication mimicry: Many progesterone and estrogen medications used in IVF cycles cause side effects remarkably similar to early pregnancy symptoms. It can be impossible to distinguish if these signs are due to medication or an actual pregnancy.
• Individual variation: Everyone's body reacts differently to both embryo transfer and early pregnancy. Some might experience many symptoms, while others have none at all.

Common Signs of Early Pregnancy

Remember: Having (or not having) any of these symptoms doesn't indicate the success or failure of your embryo transfer.

• Spotting or implantation bleeding: Light spotting or brownish discharge around 6-12 days post-transfer could be implantation bleeding, when the embryo attaches to the uterine lining. It's not heavy and usually lasts only a couple of days.
• Cramping: Mild cramps (similar to menstrual cramps) can occur due to implantation or hormonal shifts.
• Breast tenderness: Increased breast sensitivity is common due to hormones, both from medications and potential pregnancy.
• Fatigue: The IVF process itself and rising hormones can lead to tiredness.
• Elevated basal body temperature: Closely tracking your basal body temperature may show a sustained spike, which can sometimes indicate pregnancy.

While it's tempting to analyze every twinge, try to relax and focus on caring for yourself during this waiting period. The blood pregnancy test around 9-10 days after transfer is the only sure way to confirm pregnancy.

Resist the urge to take early at-home tests, as they are less accurate and can lead to unnecessary anxiety.

Embryo Transfer Day 101

What happens before, during and after your embryo transfer? Is embryo transfer painful? A medical assistant answers FAQs to help you feel more prepared for the big day.

4. Is bleeding or discharge normal after embryo transfer?

Light bleeding or spotting after an embryo transfer is common, and looks like a light pink or brown discharge. It is not abundant and lasts up to 48 hours. You might only notice the spotting when wiping.

Note: Contact your Care Team right away if the bleeding is heavy, doesn't stop within a few days, or is accompanied by other symptoms, such as severe cramping or nausea.

If you notice extra vaginal discharge, don't panic! This can be caused by the influx of hormones and blood flow to the reproductive organs, and is one of the body's ways to protect the uterus from infections.

Discharge post-transfer is typically a result of any vaginal medications (like progesterone) that you may be on to encourage implantation. It can appear powdery or gel-like, depending on the situation.

5. Can I do anything to increase the chances of successful implantation?

Actually, yes!

While so many pieces of the fertility puzzle feel completely out of your control , there are some key things you can do surrounding your embryo transfer to help increase your odds of successful embryo implantation.

Here are a few tips:

• Laser acupuncture: This non-invasive, painless treatment has been shown to significantly increase implantation rates when performed before and after embryo transfer. At Illume, we even have an amazing Acupuncture Team on standby for your big day! Learn more about laser acupuncture and embryo transfer or reach out to our acupuncturists directly to get more information.
• Stress reduction techniques: While we will never tell you to "just relax" during your fertility journey, reducing stress around embryo transfer day is helpful (not just for your physical health, but your mental health). Speak with a friend or counselor , connect with our community , practice meditating with the help of an app or free YouTube video , dress in your comfiest clothes, and keep your environment as relaxing as possible. 
• Follow your medication protocol closely: Reach out to your fertility nurse with any questions or concerns about timing or dosage. Also make sure you have enough of each of your medications, especially if you are traveling during your cycle. Your Care Team works hard to carefully design a personalized medication protocol to give you the highest chance of success!

6. How long does it take for the embryo to implant after transfer?

The answer to this question really depends on the maturity of your specific embryo, but generally, implantation typically takes place anywhere from 1-5 days after your embryo transfer. 

7. Can I have sex after embryo transfer?

It's best to wait to have sex until after your official pregnancy test (9-10 days after embryo transfer). Here are the main reasons doctors recommend waiting to resume sexual activity:

• Uterine irritation: The transfer procedure itself can cause slight irritation to the cervix. Sex could potentially increase the risk of infection.
• Contractions: Orgasms involve uterine contractions. While minor contractions are unlikely to dislodge the embryo, some doctors recommend caution in the early stages of implantation.

Alternatives for Intimacy

• Stay close in other ways: Maintain a loving connection with your partner through cuddling, massages, or other forms of physical affection that don't involve intercourse.
• Open communication: Be honest with your partner about your anxieties and desires. Together, you can find ways to still feel close and in tune with each other during this time.

8. Is bed rest beneficial after embryo transfer?

Directly following your embryo transfer at Illume Fertility , you will rest for 20 minutes before you are discharged that day. Many patients ask if they need to go home and be on bed rest afterward, but there has been no benefit found to going on bed rest after transfer.

You can go about your daily life as you feel comfortable!

However, you should be mindful of how you're feeling, and not do any heavy lifting or intense exercise for the next few days, because we want you to feel confident that you have created the best uterine environment to allow implantation to take place.

9. What should I avoid after embryo transfer? 

While your Care Team will provide specific instructions, here are some general tips on what to avoid after an embryo transfer to optimize implantation and your overall well-being:

Activities to limit:

• Strenuous exercise: While light exercise (such as walking or yoga) is encouraged, you should avoid anything that could put excessive strain on your body. This includes heavy lifting, high-impact sports, or activities with a risk of falling.
• Hot baths/jacuzzis: Excessively hot water can raise your body temperature, which isn't ideal for embryo implantation. Opt for warm showers instead.
• Heating pads: Avoid applying direct heat to your lower abdomen, as this could also potentially impact implantation.
• Douching: This disrupts the natural vaginal flora, potentially increasing your risk of infection.
• Smoking, alcohol, and drugs: As these substances can harm your developing embryo, it's important to avoid them completely during this time.

Dietary cautions:

• Excessive caffeine: Try to limit your caffeine intake, as high doses might negatively affect implantation.
• Processed foods: Whenever possible, opt for a balanced diet rich in fruits, vegetables, and whole grains. Processed foods are often high in unhealthy fats and low in nutrients, so do your best to minimize them.

Other recommendations:

• Reduce stress: While eliminating stress entirely isn't possible, finding ways to manage it (especially during this time) is crucial. Practice relaxation techniques like meditation, yoga, or deep breathing exercises. Surround yourself with supportive loved ones and consider joining a support group for people undergoing fertility treatments.
• Check your medications: Not all medications are safe during pregnancy. Double-check with your doctor about any medications you're currently taking to ensure they won't interfere with implantation or early pregnancy.

Thinking about IVF?

Download our free guide to IVF to learn more about how much IVF costs, how long it typically takes, and how this fertility treatment can help you achieve your family-building dreams.

10. What if my embryo transfer isn't successful?

While no one wants to receive the news that their embryo transfer wasn't successful, our team of reproductive endocrinologists here at Illume Fertility work hard to develop the optimal fertility treatment plan for each and every patient to maximize their chances of achieving a successful pregnancy.

Every situation is different, but sometimes, as frustrating as it is, it just takes a few cycles to achieve success. Know that you're in great hands as you move forward, and the odds are in your favor.

If your transfer doesn't result in a positive pregnancy test, it's only natural to feel upset - and then wonder what's next. Trust that your Care Team will come together to rally around you, offer support, and help you figure out the best next step. 

11. Are there any side effects from embryo transfer?

The embryo transfer procedure has little to no side effects other than (hopefully) pregnancy!

So while there aren't any side effects typically associated with the actual embryo transfer itself, the side effects of taking progesterone and estrogen can often mimic early pregnancy symptoms - however, they tend to be mild. 

Common side effects:

• Breast tenderness
• Constipation
• Bruising at the injection site

Everybody is different - some patients report little to no side effects, and some feel some discomfort. Always reach out to your Care Team if you have any concerns.

12. What happens if I get sick after embryo transfer?

Even if you happen to get sick after your embryo transfer and experience some vomiting, your embryo won't be bothered - it will stay right where it's meant to be, tucked cozily inside your uterus. 

Minor illnesses shouldn't affect your embryo's ability to successfully implant in the uterus. However, you should always contact your doctor if you develop a fever or have concerns.

Get Your Hopes Up

The time after embryo transfer is filled with a variety of emotions. You've gone through so much just to get to this point. Be proud of how far you've come!

While your embryo embarks on its incredible journey of development, try to focus on your own physical and emotional well-being. Keep trusting in your body and the incredible world of science, and know that no matter the outcome, you are resilient.

If you've been through unsuccessful fertility treatment cycles before, it can be difficult to stay hopeful as you try again, because you don't want to be let down. But we see your strength and perseverance, and we're here to cheer you on and support you the whole way. 

Struggling to shake your anxiety and remain optimistic? Our OB/GYN friend Dr. Shieva Ghofrany has some beautiful advice about why you should still celebrate each step and get your hopes up , even when it feels hard.

Disclaimer: This guide is not a substitute for medical advice. Always consult your doctor about any questions or concerns regarding your specific IVF treatment plan.

Sierra Dehmler

Sierra Dehmler is Illume Fertility’s Content Marketing Manager - and also a fertility patient herself. Combining empathy gained on her personal journey with her professional experience in marketing and content creation, she aims to empower and support other fertility patients by demystifying the fertility treatment process.

Everything You Need to Know About IVF

This comprehensive guide explains each step of in vitro fertilization (IVF) to help you feel more empowered.

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Articles & Advice > Transfer Students > Articles

A Helpful 2-Year Timeline for Transferring Colleges

Planning to transfer to a four-year college or university? This timeline will help you keep track of what you need to do and when you need to do it!

by CollegeXpress

Last Updated: Jun 7, 2023

Originally Posted: Jun 20, 2011

Planning to transfer to a four-year college or university? Not all transfer students will have the same timeline, and not all transfer students will realize they want to transfer with two full years to plan it. So even though this timeline is based around community college students who are preparing to transfer in two years, it’s comprehensive enough to help any transfer student wherever in the process you are of deciding to transfer and going through the transfer admission process. Use the four-part timeline below to keep track of what you need to do—and when you need to do it! 

Year one, fall semester 

• Think about your interests, aptitudes, and career goals. The better you know yourself, the more likely you are to find the right college for your transfer.
• Meet with an advisor at your current school to discuss your transfer plans. Most community colleges offer extensive resources for students, including experienced transfer counselors who can help you navigate the process.
• Start researching colleges and universities you might be interested in. Consider such factors as location, size, degree programs, cost, academic and social environment, and job/internship opportunities. 
• Look for schools that offer articulation agreements with your current school. Articulation agreements can greatly facilitate your transition to a new institution by guaranteeing the transfer of your earned credits, as long as you maintain a good academic standing.
• Attend transfer fairs. They are a great way to make contacts and get details on many different colleges.
• Focus on your schoolwork and grades. Your performance at your current school is factored heavily into the transfer admission process.

Related: 3 Important Factors to Finding Your Transfer College

Year one, spring semester

• Continue your college research. The more you know about different schools, the better your chances of choosing a college that’s the right fit for you.
• Meet with your advisor regularly. Be sure to keep him or her updated on your progress.
• Develop a “short list” of four or five schools that match your goals, priorities, and academic record.
• Contact the schools you’re most interested in and determine which of your credits will transfer to their degree program.
• Consider satisfying most of your general education requirements before you transfer. This will allow you to focus more on your area of interest once you’re at your new college.
• Visit the colleges on your list, if possible. Nothing will give you a better sense of what a campus is like than visiting it yourself.
• Talk to an admission counselor and at least one professor in your academic interest at the new school. Be sure to bring a list of questions.
• Collect applications from the schools you plan to apply to. Start thinking about essay topics , recommendations, and other materials you’ll need to prepare. Be sure to give your recommendation writers at least a month to complete their letters.
• Carefully record and keep track of all application and material deadlines. Plan to apply as early as possible, especially to schools that admit students on a rolling basis.
• Start researching financial aid . Look for scholarships, loans, and grants, especially within your specific degree program.
• Consider taking summer courses and/or internships. You’ll get an academic jump-start, gain valuable work experience, and bolster your transfer application.

Year two, fall semester

• File your FAFSA as soon as possible after October 1.
• Request a copy of your transcript, and review it carefully. Make sure the information is accurate and complete. In most cases, the school you’re currently attending will send your transcript directly to the colleges you’re applying to, so it’s important to ensure that the details are correct before it is sent.
• Schedule an interview at any schools you haven’t already visited. If you can’t visit in person, talk to admission staff via phone or online. It’s also helpful to contact professors, students, and alumni for questions on courses and campus life.
• Send applications. Make sure each application is filled out neatly, completely, and on time, and that all required materials, including application fees, are submitted.
• Keep a copy of all materials you send. Create a separate file for each college. Include your application, essay, transcripts, letters of recommendation, and any other materials. Note the date you sent each application.

Year two, spring semester

• Analyze your credit evaluation and equivalency statements, which list the courses and credits that will transfer toward your bachelor’s degree, before you decide on a college or send a deposit.
• Review your financial aid package and compare the bottom line for each college.
• Consult with your transfer advisor before you make a final decision . He or she can help answer your questions and clarify details that might affect your choice.
• Double-check deadlines for deposits, registration forms, and other materials, and get them in on time.
• Take advantage of orientation programs and other opportunities for transfer students at your new school. Meeting other transfer students and getting acquainted with campus life will help ease the transition. 

Related: The Ups and Downs of the Transfer Experience

Not every transfer student journey is going to look the same. So if this timeline doesn’t perfectly fit the experience you’re going through, that’s okay. Use it as a general guide to help you complete everything you need to get done. In the end, your transfer will be worth it—but first, you need to put in the effort to make sure you prepare yourself and ease your way through the process with the help of the resources at your disposal.

Find more great advice that will fit your transfer journey in our Transfer Students section.

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7th CPC TA Rules: Travelling Allowance on Transfer

RECOMMENDED FOR YOU

Siir, For transport of personal belongings by road our office is paying only the rate in km multiplied by the proportional(proportion of max weight allowed by steamer) weight, though the circular says by kilometer only. Is this the correct practice.

Transportation of personal effects by road is as per kilometer basis as per entitlement maximum weight only irrespective of weight of personal belongings.

Dear sir I am mahesh recently i have transferred from Hyderabad to Vijayawada, Hence what are the entitlements i will get and how much reupees i will get I have paid for personal effewcts Rs.13700/-, Bus ticket Rs.1200/- if any other benefits are there please inform

I am Level-3 Employee

Sir i joined a station after completing 3 years tenure on April 3rd,at that time Itook Joining time of 10 days ,on May 12 th Iwas promoted and posted to North East, I joined at present station after relieving and taking 6 days Earned leave on 31.05.2023. I want to know whether my 1st transfer and working for 2 months before relieving to north east will be considered as on tour or not

Sir, I am a defnce employee , was posted from kashmir to Rajouri , I have produced the bills for the transportation of goods to DDO , and due to some.health issues went on medical.leave after joining the station, The laugage what was booked by me was delivered to me by the transporter , now the ddo has initiated the disciplinary action against me stating that I have not shown the laugage to him . Under which rule.am I supposed to show him.the laugage please guide.

production of transportation bill is enough, need not to show the luggage being transported. if insisted approach your higher authority.

Sir my brother is transfered in bsf from ITBP can I take advance Transfer TA if yes what is rule position.

Sir, In my Office; Reimbursement of transportation of vehicle is calculated as follows:- Distance × Rate (15/25/50) × Unladen weight of vehicle ÷ entitled weight.

Please quote the rule position/ order for the above calculation, as it is asked by PBOR through RTI.

Your early reply will be helpful a lot.

Pls clarify i have been transferred from North Andaman(Diglipur) to South Andaman(Port Blair) and what shall be my Composite Grant .Is it 80% or 100%. I work for a Govt Sector in A&N islands

I am a central government officer. my transfer order for transfer from Chennai to Delhi was issued on 08/02/2021. My relieving delayed and relieved on 05.04.2021. I performed journey on 06/04/2021. However my family moved to Delhi on 31.03.2021 because of admission entrance exam for my kids in one school in Delhi. Now PAO in Delhi says my family is not allowed for ticket fare.

Kindly clarify.

tranafer entitlement for family is also applicable 1 month prior to Transfer orders and within 6 months of transfer orders. U can find this rule in Swamy handbook, Transfer TA section as well. PAD is wrong in ur case. quote the rule and reply.

As per rules, family can go 1 month early on new posting station, or upto 6 months later of joining

Sir I detaied tempary duty from sjm to other area (oc 2019 to june 2020) but ta da given to 6 month but recovery to 7 month tpt plus coution money how is posible sir

Sir I wanted to know that if a Cpl in IAF gets promoted on 04 Jul as Sgt and his date of posting is 28 Jul then he will get CTG and other posting entitlements as per the basic pay of Sgt or as per the basic pay of last month(that is of Cpl).

Entitlement of sgt,and basic pay of July

Sir I am serving in BSF at pay matrix 6 and I get transfer on promotion from 6 to 7 level.. Now I want to know that am I eligible to claim my car transport charges..? I was travelled through by train with my family. My languages transport by truck. And my car transported by another container through transport agency..

Sir I am a central govt. employee. I took Rs 50000/- advance on transfer for composite grant and other dues. My journey date is 12.09.2020. I submitted my bill on 04.12.2020 after more than two month. My composite Grant is Rs 45000/- and train fare is Rs4000/-. My office is saying that I have to return whole Rs50000/-. I want to know whether I will get the composite grant or not?

I transferred from portblair to Chennai on public interest. What are the TTA entitlements. Pay level 12.

Sir i am central govt employee transferred on compassionate grounds. Am I eligible for TA on transfer.

Sir I m serving in bsf and posted own request on medical treatment ground in state of Punjab from Himachal. I can claim transfer ta or not

Sir, am Ravi K presently working in BSF recently am attached with staff selection commission, Bengaluru for 3 years. I have a family persmission at old locatation i.e BSF with my own car purchased with permission of BSF MY PAY LEVEL 5. kindly inform what allowance my entailed during the attachment pse

Respected Sir Myself Jitender Sharma working in ncml Pvt ltd. As a Field Associate by third party. my joining 9 march 2017 & one year of provesion period. then i am working contineue to till date my cmpany has give the change of place order via email this is change location is 70 km from my old place. can may apply for the conyance of motorecycle or no any salary increase by employer. how can take the benefits of company.

Thanks & Regards

Jitender Sharma

Sir I m not living with my family at current place of posting and if I live with family at new place of posting with permission. Am I entitled for transportation of my personal effects and conveyance of my family from my home town to new place… what are the conditions

Since it is private transfer (individual), not allowed.

Sir, I m transferred from srinagar(j&k) to patna(bihar) availing travel time and earn leave. Am I entitled for transportation of my personal effects and conveyence from home town Delhi to patna. If so what are the conditions

If your transfer is in public transfer it will be allowed.

if i go on loan basis, will i be eligible for transfer allowance? kindly reply

Office is not doing Finances business. They are having some heads of funds in Budget allotment in so many times if any body has to go transfer the in the month of February/March T.A. funds may not available during that period, actually they have to barrow from outside with more interest & they have to proceed that transfer, otherwise their salary may not be given. If he goes new place of transfer then only his salary & his T.A. claim may be given in the next Financial Year funds only.

Your basic pay, service was protected & you will get increment on 7/18.

I had joined cisf on aug 2017 and joined department of post through proper channel (technical resignation) on march 2018.Am I eligible for transfer T.A.

No, it is not official duty. It is your request.

Sir I posted from Srinagar kashmir to tura Meghalaya north east reason.i have move there single.i am entitled to draw some more then plain area or some for language charge without showingshowing transpo charges slip.some one told me that in NE reasio transfer tax is more than plain area.kindly tell me procedure please

It will be recovered, advance amount with penal interest in your salary.

Sir, please clarify whether GST charged by truck owners over admissibility amount while transporting house hold goods is also reimbursible over restricted amount while restricting with per KM rate. eg A person paid Rs. 80000/- + GST 18% Rs. 14400 for transporting his house goods from A station to B station (distance 1400 KM). He is entitled for Rs.50/- per KM. Thus his entitlement restricted to Rs.70000/- . Whether 18% GST is also reimbursable to him over 70000/- or otherwise.

Entitlement restricted to total of Rs.70,000/- only.

Sir, I am working in central govt and my transfered order came on may 2017 but I relived on 27 Sep 17 and I joined new station on 28 Sep 17 and OM regarding submission of issued on ta bill on 13.03.18 and I have submitted my ta bill on 04.04.18. Pl let me know is it in submitted in due course of time or not?

Where can I download the form for TA. I have taken VRS and am shifting to native town.

how many days a govt servent spent on training with ta da

Sir, I am working in central government department, transferred on promotion in March 2018 and accordingly I drawn TTA advance . But my transfer defer up to 31/03/2019. please let me know can I give penal interest for TTA advance if I am not refund it or not ?

Sir I am working in swr. My transfer order came on may 2017. But l relieved on 31st October 2017. I joined on new place. But I vacated my railway quarter on 30th March 2018. Due to academic year..I claimed for CTG in April lst week.. Please clarify that it applicable or not.

Sir, I am working in central government department, transferred on promotion in August 2017 and accordingly joined at new station. An OM regarding submission of TA bill issued on 13.03.2018. I have submitted my transfer TA bill on 04.04.2018. please let me know is it submitted in due course of time or not ?

Sir, I am working in Central Govt. Department. i got transfer from chennai to Delhi. my lavel is 6. whether i am eligible for flight charges or not?

Sir,i am working central govt employe and my spouse also same dept,now we going to transferred west bengal to Gujarat.so,we avail transfer ta ?

Sir I have Resigned previous Department on 18.06.2017 and joined on 19.06.2017. later on I was transferred on 20.07.2017 (400km) and from there transferred on 20.08.2017 (500km). If I am Entitled for three Composite Transfer and Packing Grant??

Sir i transfered from phaphund to jhinjhak station as a sse/sig on 31/72017 which is exactly 20 kms according to by rail. Can i get a transfer allowance and joining leave.

Sir my transfer order is 15 /4/17 but department says you claim old basic pay Please confirm I claim old basic pay or new basic pay

Revision in Allowances is applicable from 01.07.2017, any journey date should be 01.07.2017 or future.

Same in my office ,they charge on the basis of weight not on the basis of kilometres… Don’t know which rule they follow… But in rule it is clearly mentioned that charges is applicable on km basis only. Don’t know about the rule.. If any body knows please reply here ASAP

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Frequently Asked Questions During a Fertility Journey

Fertility treatments can be overwhelming, and it is common for the individual undergoing these treatments to have questions. We asked our Clinical Care Coordinators to compile a list of frequently asked questions and their answers to help you prepare for your fertility journey.

• What did I do to become infertile? It is common to feel guilty about an infertility diagnosis and to think that it was caused by something you did, something you ate, or something you were exposed to. While there may be contributing factors, infertility is typically unprovoked. You may have a genetic predisposition to early ovarian insufficiency or perhaps lower semen parameters. Timing may also impact your fertility as age is the number one obstacle that women face with respect to their reproductive health.
• What are my odds for success with the most common treatments? Low tech treatments such as intrauterine insemination (IUI) produce results close to natural fertility. If a woman is under 35 years old, IUI has a success rate between 10 and 20%. If a woman is between 35 and 40 years old, IUI has a success rate of less than 10%.IVF success rates also vary by age. If a woman undergoes IVF with Preimplantation Genetic Testing for Aneuploidy (PGT-A) she achieves a pregnancy more than 50% of the time once she has a normal embryo.
• How long is a typical fertility treatment cycle? A fertility treatment cycle is timed around the start of a woman’s menstrual period and the timeline depends upon the treatment you are pursuing. For example, the intrauterine insemination (IUI) procedure occurs approximately 2 weeks after your period.However, the timeline for In Vitro Fertilization (IVF) i s different. An egg retrieval typically takes place two weeks after the start of your period, but the actual embryo transfer will follow one of two different timelines.If you choose to do a fresh embryo transfer, the transfer will happen 5 or 6 days after the egg retrieval.If you choose to have a frozen embryo transfer, the transfer can happen approximately 4 weeks after the egg retrieval; however, it may happen later as you determine with your physician. A frozen embryo transfer allows for preimplantation genetic testing for aneuploidy (PGT-A) and occurs after you receive the results of your embryos’ genetic screening.
• What exactly is PGT-A and why is my doctor recommending it? PGT-A is Pre-Implantation Genetic Testing for Aneuploidy and is offered during an IVF cycle. In this process, viable embryos (fertilized eggs) that you’ve created are biopsied. An embryologist at your clinic removes the shedding “trophectoderm” cells that would have become part of the placenta. The embryos are frozen, and the cells are processed and sent to a genetics lab. An embryologist will determine if the embryo is chromosomally normal or abnormal. Most people have 23 pairs of chromosomes that they inherited from their parents. Sometimes in embryo development there are duplications (trisomies) or deletions (monosomies) of chromosomes, which can cause pregnancy loss. PGT-A allows your physician to select the embryo most likely to result in a higher chance of pregnancy and lower chance of miscarriage.
• Should I undergo genetic carrier screening if my embryos will also be screened? We have thousands and thousands of genes that reside within our chromosomes. These genes make us the unique individuals we are. Quite often, a mutation can happen in one or more of our genes causing us to be carriers for certain diseases (i.e. cystic fibrosis, spinal muscular atrophy, beta thalassemia and many more). To be a carrier only means we have the gene mutation, but we do not have the actual disease or any symptoms. However, if a male patient has a gene mutation (is a carrier) and his female partner is a carrier for the same gene mutation, then there is a 1 in 4 chance (25%) that a child born from his sperm and her egg would not only be a carrier of the gene mutation but also have the disease. Expanded carrier screening allows for the identification of common gene mutations and can help identify which genes should be specifically tested. Preimplantation genetic testing for monogenic/single gene defects (PGT-M, formerly known as PGD) can be performed on those embryos to attempt to identify those which would lead to children who express that particular genetic disorder.
• What activity restrictions do I have during treatment? Always follow your provider/clinic guidelines for activity restrictions during treatment. As a rule of thumb, during the stimulation portion of your egg retrieval cycle, you should limit physical activity to walking, swimming or other low-impact physical exercises. Avoid yoga or any exercise that involves jumping and twisting at the waist or any jarring movements. Your ovaries may become swollen and feel heavy during this portion of treatment, and there is a slightly increased risk of ovarian twisting or “torsion.” Patients with torsion present with severe pain and nausea, and they may require surgical intervention.
• What are the side effects of the medications? How am I going to feel? While it’s true you will feel some side effects of the hormonal medications used during an IVF cycle, these effects are not too different from what you most likely feel during a regular menstrual cycle. Bloating, breast tenderness, and a mild emotional response are the most common side effects to expect, with an increased tendency toward those effects with higher doses and/or longer time on the medication.
• Is an egg retrieval painful? Will I need to take time off from work? The egg retrieval is a surgical procedure that is usually performed in less than 15 minutes. You will receive IV sedation/anesthesia for your procedure and therefore won’t be able to work or drive that day. However, this procedure is most frequently described as uncomfortable with mild to moderate cramping that typically lasts for a maximum of 24-48 hours. Most often this pain can be controlled with an over-the-counter pain reliever.
• How many embryos should I transfer? You should discuss how many embryos to transfer with your fertility provider. Progyny wants to ensure our members have the best chance for success and to minimize risk to both the member and their baby. Progyny follows ASRM’s recommendations for a single embryo transfer, which promotes a single gestation pregnancy and reduces the risk of multiples (twins, triplets, etc.). Women who are pregnant with multiples are considered high risk and have an increased chance of complications during and after pregnancy.
• If my treatment cycle is not successful, how long should I wait before I try again? If your IUI treatment isn’t successful, you’ll usually be able to start again with your next menstrual cycle, as long as a negative pregnancy test is confirmed. If your IVF treatment isn’t successful, your physician may advise waiting one month in between cycles to allow your body to return to baseline, or to allow the hormones to go back to normal. However, these decisions are clinic-specific and patient-specific.

For more information, contact your dedicated Patient Care Advocate or email [email protected] 

Undergraduate Admissions

Bold Hearts. Brilliant Minds.

Continue Your Journey at UCR!

Your hard work has put your goals within reach, and UCR can help bring them closer. Our award-winning faculty will mentor you. Our diverse campus community will embrace you. And our transfer-specific resources will help you along your path to a degree — and beyond. 

We've been waiting for a bold and brilliant Highlander just like you.  Apply to UCR today !

Transfer Costs, Fees & Financial Aid

You can afford a UC education! The cost of attending UCR is extremely competitive compared with other University of California campuses and private schools. Living in Riverside is also considerably less expensive than living in nearby Los Angeles, Orange County, or San Diego. Read on to learn more about the programs available to help you pay for your UCR degree and how much that degree costs.

University of California Tuition Stability Plan

Tuition will be adjusted for each incoming undergraduate class but will subsequently remain flat until the student graduates, for up to six years. Learn more .

Financial Aid

A UC degree is more affordable than you might think! Grants, scholarships, loans and, work-study is offered to qualified students by UCR’s Financial Aid office.

of UCR undergraduate students who applied for aid were awarded aid.

of undergraduate students who were awarded aid received need-based scholarships and/or grants.

of need was met with need-based aid.

(Financial Aid Office, 2023-24)  

UCR Financial Aid Applications School Codes

FAFSA : 001316 CADAA : 001316

To qualify for financial aid, you need to complete the Free Application for Federal Student Aid (FAFSA)  or California Dream Act Application (CADAA)  each year.

The simplified 2024–25 FAFSA is expected to be available for students to complete in December 2023 with a priority deadline of March 2. Late applications can be submitted after March 2, although California Student Aid Commission (CSAC) administered grant aid may not offered to late applicants. 

Fill out the CADAA between Jan. 1 and the priority deadline of March 2. Late applications can be submitted after March 2, although CSAC administered grant aid may not offered to late applicants.

Additional Aid

Uc riverside foundation scholarships.

The UC Riverside Foundation offers scholarships, fellowships, internships, prizes, awards, and loans to qualifying UCR students. Use the online database to search for aid based on your college, major, financial need, career goals, and more. scholarships.ucr.edu

Eligible students can earn money for school through an approved on- or off-campus work-study job. Funds can only be used during the academic year, and you must meet financial need, academic, and other requirements to maintain your eligibility. careers.ucr.edu

Aid for California Residents

The state of California offers a number of financial aid programs for residents, including those listed below. The programs offer qualifying students grants and scholarships that do not need to be repaid to cover tuition, fees and related expenses (like books, housing and transportation). To be eligible, complete your FAFSA or CADAA by the March 2 priority deadline each year (late applications can be submitted after March 2, although CSAC administered grant aid may not offered to late applicants). Make sure your Cal Grant GPA Verification Form was submitted to the California Student Aid Commission by your community college.

Middle Class Scholarship Program

If your family has up to $217,000 in annual income and assets, and you meet other residency, income and academic requirements, you could have up to 40% of your UC systemwide tuition and fees covered by this scholarship. go.ucr.edu/mcs

If you meet GPA, family income, residency, academic, and other requirements, you can get grant money that will cover some of your educational costs and fees. csac.ca.gov/cal-grants

Blue and Gold Opportunity Plan

If your total annual family income is less than $80,000, and you meet other residency, income and academic requirements, you could have 100% of your UC systemwide tuition and fees covered by grants and scholarships through this plan. Students with greater financial need can qualify for additional aid to cover expenses like books, housing, and transportation. admissions.universityofcalifornia.edu

Additional Aid from the State of California

Check out more state of California financial aid programs on the California Student Aid Commission.  csac.ca.gov/financial-aid-programs

2021–22 Estimated Costs for California Resident Undergraduates

New first years only : Add the $110 mandatory Highlander Orientation Fee to the total. New transfers only: Add the $75 mandatory Highlander Orientation Fee to the total. All new students: Add the $165 One-Time Document Fee to the total.

*Estimated USHIP = $1,768 (Undergraduate Fees including USHIP = $15,510; fees if USHIP is waived = $13,742.)

View estimated costs for out-of-state and international undergraduates.

Notes:  Tuition, fees and charges are estimates based on currently approved amounts. These figures may not be final. Actual tuition, fees, and charges are subject to change by the Regents of the University of California and could be affected by State funding reductions. Accordingly, final approved levels (and a student’s final balance due) may differ from the amounts shown.

Some or all instruction for all or part of the Academic Year may be delivered remotely. Tuition and fees have been set regardless of the method of instruction and will not be refunded in the event instruction occurs remotely for any part of the Academic Year. Figures for tuition and fees represent currently approved or proposed amounts and may not be final. Actual tuition and fees are subject to change by the University of California as determined to be necessary or appropriate. Final approved tuition and fee levels may differ from the amounts presented. Added March 9, 2021.

    Estimated Costs for Undergraduates

View estimated costs for attending UCR including tuition, fees, housing, books, transportation, and more.

    UCR Net Price Calculator

Fill out the form at the UCR  Net Price Calculator  to get an estimate of what your full-time cost of attendance and financial aid package at UCR could be.

“UCR has been incredibly helpful, allowing me to pursue my degree so affordably. As a transfer student, it can be difficult to find resources. Many students in need find themselves having to choose between loans and finishing their education. Thanks to a generous financial aid package, UCR is helping me complete my degree without having to take out private loans. I’ll be the first in my family to finish a bachelor’s degree.”

Cesar, Class of '25 Public Policy (Economic Policy and Policy Institutions and Processes)

Applying to UCR

As a top-ranking university , UCR sets high admission standards. Incoming students are selected based on a wide range of criteria , including academic performance and the potential for success as an undergraduate. Prepare for admission to UCR with the Transfer Admission Checklist .

Minimum Transfer GPA Requirement

Student-to-Faculty Ratio

Guarantee Your Place at UCR

Through the Transfer Admission Guarantee (TAG) program your California Community College coursework and grades can ensure your admission to UCR. Here's how:

• Create Your Transfer Admission Planner (TAP). TAP is an online tool where you can track and plan the community college coursework you need to complete to be admitted to UCR. It's also your TAG application! Build your TAP today !
• Satisfy Your TAG Requirements. To qualify for TAG, you need to complete a minimum of 30 UC-transferrable units at your community college. Those units include first and second semesters of English composition, and the minimum math required by your major. Each major also has GPA requirements, which are outlined in the Getting into Your Major section below.
• Submit Your TAG Application. UCR offers fall and winter quarter admission to transfer students. Before you apply for admission, log in to your TAP to complete the UCR TAG application within the filing period for your chosen quarter: May 1–31 for winter admission; Sept. 30 for fall admission.
• Complete Your TAG Contract. Get ready to transfer to UCR by taking the classes necessary to complete a total of 60 UC-transferrable units at your community college. This will include any prep courses specified by your major. Don’t forget about your GPA requirements!
• Apply to UCR. All that's left to do is submit your UCR application within the filing period for your chosen quarter: July 1–31 for winter admission; Oct. 1-Nov. 30 for fall admission. Visit go.ucr.edu/apply  when it's time to apply.

Secure your admission to UCR with TAG

Getting into your major.

In general, each major has prerequisite (major prep) coursework that you must take before transferring in order to get into your major.

Take the recommended lower-division/general education/breadth classes for your major. Some programs recommend the  Intersegmental General Education Transfer Curriculum  (IGETC),  which is a series of courses that California Community College students can complete to satisfy first- and second-year general education requirements before transferring. Some programs want you to focus on prerequisites instead of IGETC. Use  ASSIST.org  to see what your major program recommends or contact a  UCR admissions counselor  for help. View the Assist Brochure  for more information.

Each major has a minimum GPA requirement. Some majors require a GPA higher than that required for basic admission. Programs are selective. Strive to surpass your program’s minimum GPA. Remember: All transferable coursework will be taken into account.

Breadth Requirements You are strongly encouraged to focus on preparatory course work (mathematics, science and technical work) for your desired major rather than on IGETC completion. However, the Marlan and Rosemary Bourns College of Engineering (BCOE) does accept completion of IGETC as satisfying the majority of breadth requirements. Additional breadth coursework may be required after enrollment at BCOE.

Prerequisites Strong technical preparation is essential for success in the admissions process and, subsequently, in all coursework at BCOE. If you intend to transfer to an engineering major, you are expected to complete the equivalent of UCR coursework required in the first two years of the programs and apply for transfer starting your junior year. Use ASSIST.org to see the prerequisites you must take for your intended major (and to make sure your classes will transfer).

Minimum GPA Strive to surpass the 2.8 minimum GPA.

Learn more about transferring to BCOE .

Winter 2025 Majors The majors listed below are closed, but you can find many other exciting majors  that are open for winter 2025. Choose your favorite and apply for winter admission by July 1-31.

• Computer Engineering
• Computer Science
• Computer Science/Business Applications
• Data Science

Breadth Requirements Complete IGETC or the UCR breadth pattern for the College of Humanities, Arts, and Social Sciences (CHASS). 

Prerequisites Use ASSIST.org to see the prerequisites you must take for your intended major (and to make sure your classes will transfer). 

Minimum GPA Strive to surpass the 2.4 minimum GPA and the 2.7 minimum GPA for neuroscience and psychology.

Learn more about transferring to CHASS .

Winter 2025 Majors The Art Studio major is closed, but you can find many other exciting majors  that are open for winter 2025. Choose your favorite and apply for winter admission by July 1-31.

Breadth Requirements You are strongly encouraged to focus on preparatory coursework (mathematics, science and technical work) for your desired major rather than on IGETC completion.

Minimum GPA Strive to surpass the 2.7 minimum GPA.

Learn more about being a CNAS  student. 

Breadth Requirements IGETC or the UCR breadth pattern for the School of Business is highly recommended.

Prerequisites Complete community college courses equivalent to seven lower division UCR business major requirements as listed on ASSIST.org

Minimum GPA Attain a minimum GPA of 2.7 in all UC-transferable coursework and a minimum 2.5 GPA in the seven lower division major prerequisites. These GPAs are a baseline for consideration and are not a guarantee of admission.

Learn more about being a School of Business student.

Breadth Requirements Complete IGETC or the UCR breadth pattern for the School of Education (SOE).

Minimum GPA Strive to surpass the 2.4 minimum GPA.

Learn more about transferring to SOE .

Breadth Requirements Complete IGETC or the UCR breadth pattern for the School of Public Policy (SPP). 

Prerequisites Use ASSIST.org to see the prerequisites you must take for your intended major (and to make sure your classes will transfer).

Learn more about being an SPP student.

Learn more  about specific transfer requirements for non-residents.

Featured Video

How to apply to uc riverside.

Follow along as UCR students walk you through the process of filling out an admission application.

Apply to UCR

See dates and deadlines:

• For First Years
• For Transfers

How to Apply

Gather Your Information Before you begin, find out what important information is needed for an accurate admission application.

Personal Insight Questions  Express who you are, what matters to you, and what you want to share with us by answering one required and an additional three out of seven  personal insight questions .

Complete the UC Application The UC  application opens on July 1 for winter admission and Aug. 1 for fall admission. The fee is $80 for each UC ($95 for international and non-immigrant applicants). You can apply for a fee waiver — provided you have your family’s income and the number of people supported by it — when you fill out the application. The winter application filing period is July 1–31 . The fall application filing period is Oct. 1-Nov. 30 . If you have difficulties, contact  [email protected]  or (800) 207-1710.

After You Apply Once you've submitted your application, there are just a  few more steps to complete the process. These include printing your receipt, ordering test score reports, and updating your grades and course records.

UCR Undergraduate Admissions will email instructions on how to access your MyUCR admission portal account. Log in regularly to check your admission status, respond to messages, and track important dates and deadlines.

Winter admission notifications begin in September. Fall admission notifications begin in March. Access the next steps to UCR for admitted fall transfer students and winter transfer students .

Resources & Support

UCR is dedicated to your continued success on your degree journey, and offers a range of programs and resources to support you along your path to degree. Get guidance from faculty and student mentors. Excel in your courses with the help of a tutor or study group. Connect with a wellness department to take care of your physical, mental and emotional health. Develop as a leader in a campus organization.

Make a smooth academic transition to UCR with the guidance of faculty and student mentors through transfer or student success programs offered by our colleges and schools:

• Marlan and Rosemary Bourns College of Education:  Engineering Transfer Student Center
• College of Humanities, Arts, and Social Sciences:  CHASS Transfers F1RST Program
• College of Natural and Agricultural Sciences: CNAS Transfer Connections
• School of Business: Newly Admitted Transfer Students
• School of Education:  Transfer Learning Community for Education Majors
• School of Public Policy: Student Success Programs

You can also get academic support with the Academic Resource Center's  Transfer Success Program  and connect with experienced/trained student leaders throughout your first year with Student Life's transfer student resources .

If you're admitted to UCR, you can ensure a smooth transition by following next steps for incoming transfer students .

Safety is a top priority at UCR. We have a 24/7, on-campus police department , an emergency notification system that sends text alerts, a no-tolerance policy against sexual violence and secure residence halls with video surveillance, restricted card access and live-in staff. At night, our Community Service Officers patrol halls and parking lots, and Campus Safety Escorts accompany students across campus.

The Career Center is your headquarters for the professional advice, skills, and strategies that will lead you to your ideal career.

• Handshake to find jobs, internships, and volunteer opportunities
• Career workshops to build skills (e.g., resume and cover letter writing and networking your way to a job)
• Career fairs
• Connections with top employers
• R’Professional Career Closet  for professional attire

Discover community, find mentors, and develop as a leader with UCR's Ethnic & Gender Centers. Learn more about UCR’s commitment to diversity, equity and inclusion .

• African Student Programs
• Asian Pacific Student Programs
• Chicano Student Programs
• Foster Youth Support Services
• LGBT Resource Center
• Middle Eastern Student Center
• Native American Student Programs
• Undocumented Student Programs  
• Women's Resource Center

UCR focuses on all facets of well-being. We offer many campus resources  such as support groups, tutoring, community service, employment, emergency food resources, sports, and health care — which is all included in your tuition.

Parents and guardians are invited to the  Highlander Family Network . It offers family-centered resources, programming, and civic engagement to help you support your UCR Highlander.

UCR welcomes student parents and offers support with a wide range of resources and accommodations. 

• Center for Early Childhood Education (ECS)  for students, staff, faculty, and/or members of the community who need child care services. 
• Lactation rooms  with privacy, a refrigerator, plush seating, and sanitary provisions.
• Oban Family Housing  with one- and two-bedroom apartment homes adjacent to the campus. UCR’s ECS and Riverside’s public and private schools are nearby. 
• R'Kids for students, faculty, and staff with children, are expecting children, or will have children. Parents can discuss experiences, learn from each other and offer advice, while their children are involved in activities and entertainment.
• SRC Youth Programs  to promote a healthy and safe lifestyle using positive experiences, sports, activities, games, and educational instruction.

Student Life  provides the total UCR experience with opportunities for learning, leadership, community building, and creative expression that go way beyond the classroom. Make friends and have fun with music festivals and concerts, guest speakers, films, performers, and over 350 student organizations!

Visit Transportation Services  to learn about parking, public transportation (and student benefits), electric vehicle charging stations, UCR's Bike/Walk Program, and more.

Undergraduate Education cultivates student success by providing academic support, experiential learning, and research opportunities. Challenge yourself in our rigorous University Honors program. Participate in research projects with our renowned faculty. Intern for a government agency or NGO in Sacramento or Washington, D.C. Create and facilitate your own 1-unit course with R'Courses. Ace your classes and prep for graduate school exams with help from the Academic Resource Center.

Transfer Resources

Transfer brochures.

Undergraduate Admissions Brochure (Flipbook) Assist Brochure Puente Connection Brochure

General Brochures

Parent and Guardian Brochure (Flipbook) 54 Facts and Impacts Finish in Four Puente Connection Brochure Umoja at UCR Brochure Black Student Experience Brochure (Flipbook) Chicano/Latino Student Experience Brochure Native American Student Experience Brochure Student Veteran Success Guide

Transfer Dates & Deadlines

Find the dates of instruction at registrar.ucr.edu . 

Fall Admissions: Transfer Students

Access the  UC application

Submit your TAG application  

Oct. 1–Nov. 30

Submit your UC application

Deadline to complete the Transfer Academic Update

Admission notifications begin Access the next steps to UCR for admitted  fall transfer students

Housing contracts become available

Housing: Since campus housing is highly impacted and assigned first-come, first-served, it is recommended that you submit your Statement of Intent to Register (SIR), housing contract or application, and first housing payment as early as possible.

Deadline to submit your Statement of Intent to Register (SIR)

Deadline to submit your final transcripts/documents for coursework completed through end of spring

Fall quarter begins

Winter Admissions: Transfer Students

Submit your TAG application

Admission notifications begin Access the next steps to UCR for admitted  winter transfer students

Housing: Since campus housing is assigned first-come, first-served, it is recommended that you submit your Statement of Intent to Register (SIR), housing contract or application, and first housing payment as early as possible.

Mid-September

Deadline to complete the Transfer Academic Update  

Deadline to submit your final transcripts/documents for coursework completed through end of summer

Deadline to submit your final transcript/document for coursework completed through end of fall

Winter quarter begins

Access the Free Application for Federal Student Aid (FAFSA) and GPA form to apply for financial aid (UCR school code: 001316)

Access the California Dream Act Application at dream.csac.ca.gov  (UCR school code: 001316)

Deadline to submit your FAFSA or California Dream Act Application (applications can be submitted after March 2) Verify that a certified GPA was submitted to the California Student Aid Commission by your community college

Find Your Transfer Counselor

• Chaffey College Counselor:  Danielle Patrice Watson Transfer Admissions Counselor Phone: (951) 827-3903 Email: [email protected]
• Coastline Community College Counselor:  Jesse Cruz Transfer Admissions Counselor Phone: (951) 827-4189 Email: [email protected]
• Fullerton College Counselor:  Jesse Cruz Transfer Admissions Counselor Phone: (951) 827-4189 Email: [email protected]
• Golden West College Counselor:  Jesse Cruz Transfer Admissions Counselor Phone: (951) 827-4189 Email: [email protected]
• Irvine Valley College Counselor:  Jesse Cruz Transfer Admissions Counselor Phone: (951) 827-4189 Email: [email protected]
• Norco College Counselor:  Maria Flores Senior Evaluation & Athletic Specialist Phone: (951)827-3635 Email: [email protected] Counselor:  Diana Medina Transfer Admissions Counselor Phone: (951) 827-4445 Email: [email protected]
• Orange Coast College Counselor:  Jesse Cruz Transfer Admissions Counselor Phone: (951) 827-4189 Email: [email protected]
• Saddleback College Counselor:  Jesse Cruz Transfer Admissions Counselor Phone: (951) 827-4189 Email: [email protected]
• Santa Ana College Counselor:  Jesse Cruz Transfer Admissions Counselor Phone: (951) 827-4189 Email: [email protected]
• Santiago Canyon College Counselor:  Jesse Cruz Transfer Admissions Counselor Phone: (951) 827-4189 Email: [email protected]
• Antelope Valley College Counselor:  Cesar Gonzalez Vargas Transfer Admissions Counselor Phone: (951) 827-3691 Email: [email protected]
• Cerritos College Counselor:  Edward Barrera Admissions Counselor Phone: (951) 827-0673 Email: [email protected]
• Riverside City College Counselor:  Maria Flores Senior Evaluation & Athletic Specialist Phone: (951)827-3635 Email: [email protected] Counselor:  Diana Medina Transfer Admissions Counselor Phone: (951) 827-4445 Email: [email protected]
• Citrus College Counselor:  Cesar Gonzalez Vargas Transfer Admissions Counselor Phone: (951) 827-3691 Email: [email protected]
• Cypress College Counselor:  Jesse Cruz Transfer Admissions Counselor Phone: (951) 827-4189 Email: [email protected]
• East Los Angeles College Counselor:  Kaisha Ross Admissions Counselor Phone: (951) 827-6401 Email: [email protected]
• Glendale Community College Counselor:  Cesar Gonzalez Vargas Transfer Admissions Counselor Phone: (951) 827-3691 Email: [email protected]
• Los Angeles Mission College Counselor:  Cesar Gonzalez Vargas Transfer Admissions Counselor Phone: (951) 827-3691 Email: [email protected]
• Los Angeles Pierce College Counselor:  Cesar Gonzalez Vargas Transfer Admissions Counselor Phone: (951) 827-3691 Email: [email protected]
• Los Angeles Southwest College Counselor:  Edward Barrera Admissions Counselor Phone: (951) 827-0673 Email: [email protected]
• Los Angeles Valley College Counselor:  Cesar Gonzalez Vargas Transfer Admissions Counselor Phone: (951) 827-3691 Email: [email protected]
• Moorpark College Counselor:  Camilla Valadez Admissions Counselor Phone: (951) 927-0672 Email: [email protected]
• Oxnard College Counselor:  Camilla Valadez Admissions Counselor Phone: (951) 927-0672 Email: [email protected]
• Pasadena City College Counselor:  Cesar Gonzalez Vargas Transfer Admissions Counselor Phone: (951) 827-3691 Email: [email protected]
• San Bernardino Valley College Counselor:  Danielle Patrice Watson Transfer Admissions Counselor Phone: (951) 827-3903 Email: [email protected]
• Santa Monica College Counselor:  Vacant Vacant position Phone: Vacant Email: [email protected]
• West Los Angeles College Counselor:  Camilla Valadez Admissions Counselor Phone: (951) 927-0672 Email: [email protected]
• College of the Canyons Counselor:  Camilla Valadez Admissions Counselor Phone: (951) 927-0672 Email: [email protected]
• Compton College Counselor:  Cesar Gonzalez Vargas Transfer Admissions Counselor Phone: (951) 827-3691 Email: [email protected]
• El Camino College Counselor:  Edward Barrera Admissions Counselor Phone: (951) 827-0673 Email: [email protected]
• Long Beach City College Counselor:  Edward Barrera Admissions Counselor Phone: (951) 827-0673 Email: [email protected]
• Los Angeles City College Counselor:  Edward Barrera Admissions Counselor Phone: (951) 827-0673 Email: [email protected]
• Los Angeles Harbor College Counselor:  Edward Barrera Admissions Counselor Phone: (951) 827-0673 Email: [email protected]
• Los Angeles Trade-Tech College Counselor:  Edward Barrera Admissions Counselor Phone: (951) 827-0673 Email: [email protected]
• Rio Hondo College Counselor:  Kaisha Ross Admissions Counselor Phone: (951) 827-6401 Email: [email protected]
• College of the Desert Counselor:  Maria Flores Senior Evaluation & Athletic Specialist Phone: (951)827-3635 Email: [email protected] Counselor:  Diana Medina Transfer Admissions Counselor Phone: (951) 827-4445 Email: [email protected]
• Copper Mountain College Counselor:  Maria Flores Senior Evaluation & Athletic Specialist Phone: (951)827-3635 Email: [email protected]
• Allan Hancock College Counselor:  Camilla Valadez Admissions Counselor Phone: (951) 927-0672 Email: [email protected]
• American River College Counselor:  Alexzander LeSueur Transfer Admissions Counselor, Military Admissions Counselor Phone: (951) 827-2776 Email: [email protected]
• Bakersfield College Counselor:  Andrej Molchan Assistant Director of High School Recruitment and Evaluation Phone: (951) 827-3678 Email: [email protected]
• Berkeley City College Counselor:  Savannah Richardson Admissions Counselor Phone: (951) 827-5594 Email: [email protected]
• Butte College Counselor:  Alexzander LeSueur Transfer Admissions Counselor, Military Admissions Counselor Phone: (951) 827-2776 Email: [email protected]
• Cabrillo College Counselor:  Jessica Verazas Assistant Director of Transfer Recruitment and Evaluation Phone: (951) 827-7689 Email: [email protected]
• Canada College Counselor:  Savannah Richardson Admissions Counselor Phone: (951) 827-5594 Email: [email protected]
• Chabot College Counselor:  Savannah Richardson Admissions Counselor Phone: (951) 827-5594 Email: [email protected]
• Cerro Coso Community College Counselor:  Danielle Patrice Watson Transfer Admissions Counselor Phone: (951) 827-3903 Email: [email protected]
• City College of San Francisco Counselor:  Savannah Richardson Admissions Counselor Phone: (951) 827-5594 Email: [email protected]
• College of Marin Counselor:  Alexzander LeSueur Transfer Admissions Counselor, Military Admissions Counselor Phone: (951) 827-2776 Email: [email protected]
• College of San Mateo Counselor:  Camilla Valadez Admissions Counselor Phone: (951) 927-0672 Email: [email protected]
• College of the Redwoods Counselor:  Alexzander LeSueur Transfer Admissions Counselor, Military Admissions Counselor Phone: (951) 827-2776 Email: [email protected]
• College of the Sequoias Counselor:  Andrej Molchan Assistant Director of High School Recruitment and Evaluation Phone: (951) 827-3678 Email: [email protected]
• College of the Siskiyous Counselor:  Alexzander LeSueur Transfer Admissions Counselor, Military Admissions Counselor Phone: (951) 827-2776 Email: [email protected]
• Columbia College Counselor:  Andrej Molchan Assistant Director of High School Recruitment and Evaluation Phone: (951) 827-3678 Email: [email protected]
• Contra Costa College Counselor:  Savannah Richardson Admissions Counselor Phone: (951) 827-5594 Email: [email protected]
• Cosumnes River College Counselor:  Alexzander LeSueur Transfer Admissions Counselor, Military Admissions Counselor Phone: (951) 827-2776 Email: [email protected]
• Cuesta College Counselor:  Jessica Verazas Assistant Director of Transfer Recruitment and Evaluation Phone: (951) 827-7689 Email: [email protected]
• De Anza College Counselor:  Savannah Richardson Admissions Counselor Phone: (951) 827-5594 Email: [email protected]
• Diablo Valley College Counselor:  Savannah Richardson Admissions Counselor Phone: (951) 827-5594 Email: [email protected]
• Evergreen Valley College Counselor:  Savannah Richardson Admissions Counselor Phone: (951) 827-5594 Email: [email protected]
• Feather River College Counselor:  Alexzander LeSueur Transfer Admissions Counselor, Military Admissions Counselor Phone: (951) 827-2776 Email: [email protected]
• Folsom Lake College Counselor:  Alexzander LeSueur Transfer Admissions Counselor, Military Admissions Counselor Phone: (951) 827-2776 Email: [email protected]
• Foothill College Counselor:  Savannah Richardson Admissions Counselor Phone: (951) 827-5594 Email: [email protected]
• Fresno City College Counselor:  Andrej Molchan Assistant Director of High School Recruitment and Evaluation Phone: (951) 827-3678 Email: [email protected]
• Gavilan College Counselor:  Savannah Richardson Admissions Counselor Phone: (951) 827-5594 Email: [email protected]
• Hartnell College Counselor:  Jessica Verazas Assistant Director of Transfer Recruitment and Evaluation Phone: (951) 827-7689 Email: [email protected]
• Lake Tahoe Community College Counselor:  Alexzander LeSueur Transfer Admissions Counselor, Military Admissions Counselor Phone: (951) 827-2776 Email: [email protected]
• Laney College Counselor:  Savannah Richardson Admissions Counselor Phone: (951) 827-5594 Email: [email protected]
• Las Positas College Counselor:  Savannah Richardson Admissions Counselor Phone: (951) 827-5594 Email: [email protected]
• Lasson College Counselor:  Andrej Molchan Assistant Director of High School Recruitment and Evaluation Phone: (951) 827-3678 Email: [email protected]
• Los Medanos College Counselor:  Vacant Vacant position Phone: Vacant Email: [email protected] Counselor:  Savannah Richardson Admissions Counselor Phone: (951) 827-5594 Email: [email protected]
• Mendocino College Counselor:  Andrej Molchan Assistant Director of High School Recruitment and Evaluation Phone: (951) 827-3678 Email: [email protected]
• Merritt College Counselor:  Savannah Richardson Admissions Counselor Phone: (951) 827-5594 Email: [email protected]
• Mission College Counselor:  Maricela Solao Transfer Admissions Counselor Phone: (951) 827-1247 Email: [email protected]
• Merced College Counselor:  Andrej Molchan Assistant Director of High School Recruitment and Evaluation Phone: (951) 827-3678 Email: [email protected]
• Modesto College Counselor:  Andrej Molchan Assistant Director of High School Recruitment and Evaluation Phone: (951) 827-3678 Email: [email protected]
• Monterey Peninsula College Counselor:  Jessica Verazas Assistant Director of Transfer Recruitment and Evaluation Phone: (951) 827-7689 Email: [email protected]
• Napa Valley College Counselor:  Alexzander LeSueur Transfer Admissions Counselor, Military Admissions Counselor Phone: (951) 827-2776 Email: [email protected]
• Ohlone College Counselor:  Savannah Richardson Admissions Counselor Phone: (951) 827-5594 Email: [email protected]
• Porterville College Counselor:  Andrej Molchan Assistant Director of High School Recruitment and Evaluation Phone: (951) 827-3678 Email: [email protected]
• Reedley College Counselor:  Andrej Molchan Assistant Director of High School Recruitment and Evaluation Phone: (951) 827-3678 Email: [email protected]
• Sacramento City College Counselor:  Alexzander LeSueur Transfer Admissions Counselor, Military Admissions Counselor Phone: (951) 827-2776 Email: [email protected]
• San Joaquin Delta College Counselor:  Alexzander LeSueur Transfer Admissions Counselor, Military Admissions Counselor Phone: (951) 827-2776 Email: [email protected]
• San Jose City College Counselor:  Savannah Richardson Admissions Counselor Phone: (951) 827-5594 Email: [email protected]
• Santa Barbara City College Counselor:  Camilla Valadez Admissions Counselor Phone: (951) 927-0672 Email: [email protected]
• Santa Rosa Junior College Counselor:  Alexzander LeSueur Transfer Admissions Counselor, Military Admissions Counselor Phone: (951) 827-2776 Email: [email protected]
• Shasta College Counselor:  Alexzander LeSueur Transfer Admissions Counselor, Military Admissions Counselor Phone: (951) 827-2776 Email: [email protected]
• Sierra College Counselor:  Alexzander LeSueur Transfer Admissions Counselor, Military Admissions Counselor Phone: (951) 827-2776 Email: [email protected]
• Skyline College Counselor:  Savannah Richardson Admissions Counselor Phone: (951) 827-5594 Email: [email protected]
• Solano Community College Counselor:  Alexzander LeSueur Transfer Admissions Counselor, Military Admissions Counselor Phone: (951) 827-2776 Email: [email protected]
• Taft College Counselor:  Jessica Verazas Assistant Director of Transfer Recruitment and Evaluation Phone: (951) 827-7689 Email: [email protected]
• West Hills College Coalinga Counselor:  Andrej Molchan Assistant Director of High School Recruitment and Evaluation Phone: (951) 827-3678 Email: [email protected]
• West Hills College Lemoore Counselor:  Andrej Molchan Assistant Director of High School Recruitment and Evaluation Phone: (951) 827-3678 Email: [email protected]
• West Valley College Counselor:  Savannah Richardson Admissions Counselor Phone: (951) 827-5594 Email: [email protected]
• Woodland Community College Counselor:  Alexzander LeSueur Transfer Admissions Counselor, Military Admissions Counselor Phone: (951) 827-2776 Email: [email protected]
• Yuba College Counselor:  Alexzander LeSueur Transfer Admissions Counselor, Military Admissions Counselor Phone: (951) 827-2776 Email: [email protected]
• Barstow College Counselor:  Danielle Patrice Watson Transfer Admissions Counselor Phone: (951) 827-3903 Email: [email protected]
• Crafton Hills College Counselor:  Danielle Patrice Watson Transfer Admissions Counselor Phone: (951) 827-3903 Email: [email protected]
• Cuyamaca College Counselor:  Fryda Zaldivar Mier Transfer Admissions Counselor Phone: (951) 827-4445 Email: [email protected]
• Grossmont College Counselor:  Fryda Zaldivar Mier Transfer Admissions Counselor Phone: (951) 827-4445 Email: [email protected]
• Imperial Valley College Counselor:  Fryda Zaldivar Mier Transfer Admissions Counselor Phone: (951) 827-4445 Email: [email protected]
• MiraCosta College Counselor:  Vacant Vacant position Phone: Vacant Email: [email protected]
• Moreno Valley College Counselor:  Diana Medina Transfer Admissions Counselor Phone: (951) 827-4445 Email: [email protected] Counselor:  Maria Flores Senior Evaluation & Athletic Specialist Phone: (951)827-3635 Email: [email protected]
• Mt. San Antonio College Counselor:  Cesar Gonzalez Vargas Transfer Admissions Counselor Phone: (951) 827-3691 Email: [email protected]
• Mt. San Jacinto College Counselor:  Diana Medina Transfer Admissions Counselor Phone: (951) 827-4445 Email: [email protected]
• Palo Verde College Counselor:  Maria Flores Senior Evaluation & Athletic Specialist Phone: (951)827-3635 Email: [email protected] Counselor:  Diana Medina Transfer Admissions Counselor Phone: (951) 827-4445 Email: [email protected]
• Palomar College Counselor:  Fryda Zaldivar Mier Transfer Admissions Counselor Phone: (951) 827-4445 Email: [email protected]
• San Diego City College Counselor:  Fryda Zaldivar Mier Transfer Admissions Counselor Phone: (951) 827-4445 Email: [email protected]
• San Diego Mesa College Counselor:  Alexzander LeSueur Transfer Admissions Counselor, Military Admissions Counselor Phone: (951) 827-2776 Email: [email protected]
• San Diego Miramar College Counselor:  Fryda Zaldivar Mier Transfer Admissions Counselor Phone: (951) 827-4445 Email: [email protected]
• Southwestern College Counselor:  Fryda Zaldivar Mier Transfer Admissions Counselor Phone: (951) 827-4445 Email: [email protected]
• Victor Valley College Counselor:  Danielle Patrice Watson Transfer Admissions Counselor Phone: (951) 827-3903 Email: [email protected]
• Clovis Community College Counselor:  Andrej Molchan Assistant Director of High School Recruitment and Evaluation Phone: (951) 827-3678 Email: [email protected]
• College of Alameda Counselor:  Savannah Richardson Admissions Counselor Phone: (951) 827-5594 Email: [email protected]
• Ventura College Counselor:  Camilla Valadez Admissions Counselor Phone: (951) 927-0672 Email: [email protected]

Admissions Counselors

Andrej molchan.

Assistant Director of High School Recruitment and Evaluation (951) 827-3678 [email protected]

Jessica Verazas

Assistant Director of Transfer Recruitment and Evaluation (951) 827-7689 [email protected]

Maria Flores

Senior Evaluation & Athletic Specialist (951)827-3635 [email protected]

Admissions Specialist (951) 827-4189 [email protected]

Cesar Gonzalez Vargas

Admissions Specialist (951)827-3691 [email protected]

Myrna Mangano

Admissions Specialist (951) 827-0872 [email protected]

Diana Medina

Admissions Specialist (951) 827-2382 [email protected]

Jizelle Morando

Admissions Specialist (951) 827-1606 [email protected]

Kaisha Ross

Admissions Specialist (951) 827-6401 [email protected]

Sarah Sprunger

Admissions Specialist (951) 827-0692 [email protected]

Camilla Valadez

Admissions Specialist (951) 827-0672 [email protected]

Yesenia Vasquez

Admissions Specialist (951) 827-0873 [email protected]

Danielle P. Watson

Admissions Specialist (951) 827-3903 [email protected]

Fryda Zaldivar Mier

Admissions Specialist (951) 827-4445 [email protected]

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Start Your Transfer Journey: Resources and Deadlines

• Post author By Top Tier Admissions
• Post date February 1, 2023
• No Comments on Start Your Transfer Journey: Resources and Deadlines

As college students return to campus for a new semester, some are considering what it would take to transfer to a new school. In fact,  as we’ve noted before , almost one-third of students will transfer at some point during their college career. Maybe you want to be closer to home? Maybe your current school doesn’t offer the major you want to pursue? Maybe you want to take another shot at your dream school? Or maybe the campus culture isn’t what you hoped. Whatever the reason, now is the time to get organized, make a plan, and prepare your transfer applications so you have options come spring.

TRANSFER ADMISSIONS

Over the years, our blog posts have included top transfer tips and admissions data—check out the resources below as you begin your transfer journey and note upcoming transfer deadlines:

“ How to Transfer ”

Anita Doar shares her tips for tackling the transfer process mindfully so you can make the most of your opportunity.

Unsurprisingly, the more selective the school, the tougher it is to transfer in. Ivy League schools in particular seek to admit transfers from nontraditional backgrounds:  Princeton , for example, only started admitting transfer students in 2017 and “particularly encourage[s] applications from students from low-income backgrounds, community college students, and U.S. military veterans.”  Yale  echoes this statement nearly verbatim. In 2021,  Brown  admitted 118 out of 2,746 transfer applicants (4.3% acceptance rate), and  Stanford  admitted 55 out of 3,265 (1.7% acceptance rate).  A small liberal arts college like  Colby  “reserves a handful of spaces” for incoming transfer students each cycle. 

“ Transfer Tips: Make the Most of Freshman Year ”

Dr. Elizabeth Doe Stone shares 5 tips to ensure you’re making the most of freshman year to be a competitive transfer applicant.

Double check each college’s transfer webpage for an exact list of application requirements, but you can anticipate needing to submit the following items:

• Official transcripts from all colleges and universities attended
• Official high school transcript
• SAT or ACT scores
• Two instructor evaluations from faculty who have taught you at your current college
• Once you fill out your section of this report, you need to give the form to a dean, advisor, or other college official and ask them to complete the academic portion of the form.
• After you complete all the relevant questions, you will need to give this form to instructors whose courses you are enrolled in at the time you file your application and ask them to provide a general indication of your performance, including your current grade and (if they wish) additional comments.

“ Time to Transfer? ”

The Top Tier Admissions team walks you through how to understand your transfer “why” and practical next steps.

If you’re  ready to make a change , then here are some key considerations:

• Research:  Do some legwork to look for schools that offer the programs, community, or change you seek. Dig into their admissions websites to see if they take transfer students and what’s required of transfer applicants. Make a note of deadlines and application pathways. Many schools will use the Common Application’s transfer application; others will have their own application portals.
• Timing:  Students seeking to transfer can apply for entry as sophomores or juniors. Entering as a sophomore gives you plenty of time to settle into a new environment; coming in as a junior typically means you are ready to hit the ground running in your major field of study. Particularly at schools that take small numbers of transfer students, you won’t find quite the same academic advising and orientation resources that are typically available to incoming first-year students.
• Academic criteria : Typically, the transfer application process looks at both your college and high school academic records. If you’re struggling in college and your grades reflect it, it will be tough to be a viable applicant in transfer pools that are selective. Standardized testing typically isn’t as big a factor in the transfer application process, although schools may ask to see those SAT or ACT scores you took in high school. If you didn’t take the exams in high school, you won’t be asked to do them now.
• Recommenders:  You will be asked to submit at least one letter of recommendation from a faculty member, so you need to reach out to one of your professors to talk about your plans. This could be a little awkward – especially since faculty don’t like to lose great students – but be thoughtful about your reasons for seeking to transfer and share them with the professor. In addition, your academic dean (or someone in the Dean of Students’ office) will be asked to affirm that you are a student in good standing.

Transfer Essay Guidance

Get our expert guidance on your transfer essays.

• Essays:  Depending on the college or university, you will be asked to  submit an essay or two as part of your transfer application . A typical question that you will be asked will be to explain your reasons for seeking to transfer and how a new school will help you to realize your goals and aspirations. Often times, you’ll also be asked to talk about the ways you have contributed to your current college community and what you will bring to your new school.
• Activities:  The more selective the school’s transfer admissions process, the more likely they will also look to see how you’ve gotten involved in campus life or beyond campus in your areas of interest. A clear sense of engagement in some aspect of campus life will strengthen your application.

UPCOMING TRANSFER DEADLINES

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Travelling Allowance Rules – Journeys on Transfer

7. entitlements for journey on transfer:.

I. Unless it is otherwise indicated in this para, the entitlements of a Govt. employee for journey on transfer shall continue to be guided by the provisions laid down in rule 99 read with 100 of the West Bengal Service Rules, Part – II .

II. In supersession of Finance Department Memo No. 5299-F, dt. 01.06.90, a Govt. employee on transfer will be entitled to the following concessions:

A. Transfer Grant & Packing Allowance:

The rates of lump sum transfer grant and packing allowance will be as follows:

Notes: Packing allowance is admissible to a Govt. employee subject to the conditions detailed below:

• Packing allowance is in the of lump sum transfer grant and is sanctioned at flat rate. The same can be sanctioned without insisting on production of receipts relating to packing of personal effects.
• Packing allowance will be admissible if any quantum of luggage is carried by the officers irrespective of the fact whether he has claimed transportation charges for the personal effects or not.
• Packing allowance is admissible even if the officer does not shift his family but shifts his personal effects.
• Packing allowance is admissible in full even if the officer carries only very little personal effects.
• Full amount of lump sum transfer grant and packing allowance will be admissible only when a change of residence is involved as a result of transfer and the transfer involves a change of station located at a distance of more than 20 km from each other.
• For transfer to a station which is at a distance less than 20 km from the old station and for transfer within the same station, the lump sum transfer grant and packing allowance will be restricted to one-third of the admissible amount provided a change of residence is actually involved.

B. Accommodation and Mileage Allowance for journeys by rail, steamer or by road:

(I). Journey by rail or steamer:

Accommodation and mileage allowance entitlements as prescribed in paras 2B and 2C above for journeys on tour between place connected by rail or steamer will also be applicable in case of journeys on transfer.

(II). Journey by road:

Where the Government employee himself with the members of his family travels by road on transfer, the entitlement will be in the following scale:

(a) Between places connected by rail:

Road Mileage, limited to rail mileage by the entitled class.

(b) Between places connected by road only:

(i) For journeys in full taxi or own car: Road mileage at Rs. 5 per km as under notwithstanding how the govt. employee and the members of his family travelled:

ii) For journey by bus: Actual bus fare for self and each member of the family.

C. Carriage of personal effects on transfer:

(a) When personal effects are carried by rail:

The pay range and the entitlement for carriage of personal effects will be as follows:

b) When personal effects are carried by road between places connected by rail:

A govt. employee carrying goods by road between places connected by rail may draw actual expenditure on transportation of personal effects by road or the amount admissible on transportation of the maximum admissible quantity by rail plus an additional amount not more than 25% thereof whichever is less.

(c) When personal effects are carried by road between places not connected by rail:

The allowance for carriage of personal effects between places connected by road only will be at the following uniform rates subject to existing conditions:

D. Transportation of Conveyance on transfer:

Subject to the existing conditions, the following modifications are made in the rules regarding transportation of conveyance on transfer:

(a) A Govt. employee on transfer shall be entitled to transportation of conveyance in the following scales:

(b) The rates of allowance for transportation of motor car or motor-cycle/ scooter by road on transfer shall be as follows subject to the existing terms and conditions:

E. Additional to and fro fare by entitled class to a Government employee on transfer:

An employee will be entitled to an additional fare by the entitled class for both onward and return journey, in addition to the normal transfer travelling allowance entitlement, if he has to leave his family behind because of non-availability of Government residential accommodation at the new place of posting:

Provided that-

(i) where the Government accommodation is available and the Officer does not accept the Government accommodation allotted to him on the ground of being of lower category or for any other reason, he will not be entitled to the additional fare, as the Government accommodation is available and the Officer had refused it;

(ii) where a Government employee brings family before actual allotment, in such cases, if T,AD. A. has been claimed for such family members, no additional fare will be admissible to the Government employee;

(iii) non-availability of private accommodation will not be treated as a ground for additional fare.

8. Travelling Allowance for Temporary Transfer:

In all cases of transfer for short periods not exceeding one hundred and eighty days, the journeys from the Headquarters to the station of deputation and back may be treated as on tour for purposes of regulating travelling allowance and daily allowance. Daily allowance will be paid for the halts at the out-station as per para 3(11) of this Annexure. Every transfer order should specify whether it is a regular transfer or a temporary transfer for a period not exceeding 180 days.

• No advance of pay will be allowed in the case of temporary transfer.
• No joining time shall be admissible in cases of temporary transfer. Only the actual transit time, as admissible in case of journeys on tour, shall be admissible.
• In order to obviate difficulty in Audit, the nature/ period of transfer is to be indicated in the T. A. Bill.
• The period of 180 days for drawal of daily allowance for halt at an out-station on temporary transfer will be calculated on the basis of the halt which will being from the time the forward journey ends at the out-station and will end at the time the return journey commences. The claim for daily allowance for halt at the new station will require countersignature of the Controlling Officer in respect of the post at the new station, in case of any portion of the claim remaining undrawn on retransfer to the old Headquarters.
• Save the provisions laid down above in the matter of regulating travelling allowance/ daily allowance and joining time in the case of temporary transfer, on other factors like assumption of charge of a new post, change of Headquarters, drawal of pay and allowances of the post etc. associated with the term ‘transfer’ defined in rule 5 (40) of the West Bengal Service Rules, Part-I, the normal rules shall continue to apply.

9. Travelling Allowance entitlement to the State Government employees on retirement:

Notwithstanding the provisions laid dawn in rule 132 of the West Bengal Service Rules, Part-II, travelling allowance will be admissible in respect of the journey of a retiring Government employee and members of his family from the last station of his duty to his home town or to the place where he and his family is to settle down permanently, even if, it is other than his declared home town subject to the following terms and conditions:

(a) Accommodation and Mileage allowance for journeys by rail, steamer or by road:

Entitlements shall be as for journey on transfer laid down in para 7 of this Annexure.

Explanation: In regard to the question as to how the travelling allowance in respect of the members of the family of a retiring Government employee, who do not actually accompany him is to be regulated, the provisions laid down in rule 105 of the West Bengal Service Rules, Part-II may be applied mutatis mutandis in all such cases. A member of a Government employee’s family who follows him within six months or precedes him by not more than one month may, therefore, be treated as accompanying him. The period of one month or six months, as the case may be, may be counted from the date the retiring Government employee himself actually moves. The claims of travelling allowance in respect of the family members shall not be payable until the head of the family himself or herself actually moves.

(b) The Government employee shall, besides the fares for the journey, be also eligible to draw lump sum transfer grant and packing allowance, if the distance from the last station of duty to place of settlement is more than 20 km. However, as in the case of serving employees on transfer, Government employees who, on retirement, settle at the last station of duty itself or within a distance of less than 20 km. may be paid one-third of the amount of lump sum transfer grant and packing allowance, subject to the condition that a change of residence is actually involved.

(c) Transportation of personal effects at the scale and rate laid down in pera 7 of this Annexure is allowable. The Government employee shall also be entitled to claim the cost of transportation of personal effects between railway station and residence at either end of the journey as in the case of transfer.

(d) The actual cost of transporting a motor car or other conveyance maintained by the Government employee before his retirement is reimbursable as per provisions laid down in para 7 of this Annexure.

Explanation: In regard to the time-limits applicable for transportation of personal effects, the time-limit prescribed in the Explanation below sub-para (a) above in the case of members of the family, namely, one month anterior and six months posterior to the date of the move of the retiring Government employee himself, should apply in the case of transportation of his personal effects.

(e) The grant of the concession will be further subject to the following conditions:

(i) It will be admissible by the shortest route from the last place of duty of the Government employee to his home town or to the place where he and his family are to settle down permanently even if it is other than his declared home town.

(ii) The concession may be availed of by a Government employee who is eligible for it, at any time during his leave preparatory to retirement, or within six months of the date of retirement.

(iii) The concession will be admissible to the permanent State Government employees who retire on a retiring pension or on superannuation, invalid or compensation pension.

(iv) The concession will also be admissible to the temporary State Government employees who retire on attaining the age of superannuation or become invalid or are retrenched from service without being offered alternative employment, provided that they have put in a total service of not less than 10 years under the State Government at the time of retirement, invalidation or retrenchment.

(v) Where an Officer is re employed under the State Government while he is on leave preparatory to retirement or within six months of the date of his retirement, the concession may be allowed to be availed of by him within six months of the expiry of the period of his re-employment.

(vi) A Government employee will be eligible to the retirement travelling allowance concession in full, notwithstanding the fact that he had availed of leave travel concession to home town or any place in India just before his retirement.

(f) The concession will not be admissible to Government employees.

(i) Who quit service by resignation; or

(ii) Who may be dismissed or removed from service; or

(iii) Who are compulsorily retired as a measure of punishment; or

(iv) Who are temporary employees with less than ten years of service retiring on superannuation/invalidation/retrenched.

(g) The concession will not be admissible to persons who-

(i) are not in the whole-time employ of the Government or are engaged on contract;

(ii) are paid from contingencies;

(iii) are eligible for any other form of travel concession on retirement.

(h) The claims for the concession will have to be drawn on T.A. Bill forms like Transfer Travelling Allowance claims. The claims, of officers who were their own Controlling Officers before retirement will, however, be countersigned by the next superior administrative authority.

(i) Before reimbursing the Travelling Allowance admissible under these orders, the Controlling Officer should. satisfy themselves, as far as possible, that the claimant and members of his family actually performed the journey to the home town or the other place to which he might have proceeded to settle there, e.g., by requiring the production of original railway vouchers relating to transportation of personal effects. conveyance etc.

10. Definition of family:

In supersession of rule 4(7) of the West Bengal Service Rules, Part II, the term ‘Family’ is defined as follows:

“Family means a Government employee’s wife ( but not more than one wife ) or husband, as the case may be, residing with the Government employee and legitimate children and stepchildren residing with and wholly dependent on the Government employee. It also includes parent, stepmother; sisters and minor brothers residing with and wholly dependent on the Government employee.”

• “Children” shall mean and include major sons and married daughters including widowed daughters, so long as they are residing with and wholly dependent upon the Government employee.
• The “children” shall also include children taken as wards by the Government employee, under the Guardians and Wards Act, 1890, provided such award lives with the Government employee and is treated as a member of the family and provided the Government employee through a special will, has given such a ward the same status as that of natural-born child.
• The married daughter can be said to be wholly dependent on the father/mother only in case of special and exceptional circumstances. such as where she has been divorced, abandoned or separated from the husband, and is financially dependent on the parent.
• The term “sisters” occurring above, shall mean both unmarried sisters residing with a wholly dependent on the Government employee and widowed sisters residing with and wholly dependent on the Government employee (provided their father is either not alive or is himself wholly dependent on the Government employee concerned).

Explanation: A legitimate child, stepchild, parents, sisters and minor brothers who reside with the Government employee and whose income from all sources including pension (inclusive of dearness relief, temporary increase in pension and pension equivalent of gratuity) does not exceed Rs. 1500/- p.m. shall be deemed to be “wholly dependent” upon the Government employee.

11. Conveyance Allowance to Blind and Orthopaedically handicapped employees:

In partial modification of rule 29A of the West Bengal Service Rules, Part ll and supersession of Finance Department Memo No. 5299-F, dt. 1.6.90, the rate of conveyance allowance admissible to blind and orthopaedically handicapped State Government employees shall be 5% of basic pay subject to a maximum of Rs. 200/- p.m.

12. Permanent monthly Travelling Allowance/ (unconditional) Conveyance Allowance:

The incumbents of the posts to which permanent monthly travelling allowance/ ( unconditional ) conveyance allowance is attached or such allowance has been sanctioned under general or special orders of the Government shall draw permanent monthly travelling allowance /( unconditional ) conveyance allowance at the following uniform rates according to their pay ranges under the existing terms and conditions:

Explanations:

• If the existing rates of permanent monthly travelling allowance/ ( unconditional ) conveyance allowance admissible to any category of employees are higher than the rates mentioned above, such employees will continue to draw the existing rates without further revision.
• This order does not qualify a Government employee, who was not in receipt of any permanent monthly travelling allowance/ (unconditional; conveyance allowance to draw such benefit without prior approval of the Government.

13. Conveyance Allowance:

Subject to the provisions laid down in Appendix 5 of the West Bengal Service Rules, Part II regulating the drawal of conveyance or horse allowance, the rates of conveyance allowance prescribed in rule 29 shall be as per following maxima –

a) for horse or pony Rs. 150/- p.m. b) for a motor car Rs. 450/ – p.m. c) for a motor cycle Rs. 125/- p.m. d) for a bi-cycle or tri-cycle Rs. 25/- p.m.

Note: No motor car allowance will be admissible to any Government employee drawing pay of Rs.10,000/- or less a month.

Related Publication

• Travelling Allowance Rules – Daily Allowance
• Travelling Allowance Rules – Journeys on Tour
• TA Rule – Journeys in Higher Class Accommodation
• Travelling Allowance Rules – Fourth Pay Commission

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Time limit for submission of claims for travelling allowance ta on retirement is modified from 60 days to 180 days.

June 17, 2021 by admin Leave a Comment

Time-limit for claiming TA on retirement: The time limit for submission of claims for TA on Retirement has been increased from 60 days to 180 days (six months) after the travel is completed.

No. 19030/1/2017-E.IV Government of India Ministry of Finance Department of Expenditure

North Block, New Delhi Dated: 15th June 2021.

OFFICE MEMORANDUM

Subject: Time-limit for submission of claims for Travelling Allowance (TA) on Retirement – regarding.

The undersigned is directed to refer to this Department’s OM No. 19030/1/2017-E.IV dated 13.03.2018 wherein the time limit for submission of claims for TA on Tour/ Transfer/ Training/ Journey on Retirement was changed from one year to sixty days, succeeding the date of completion of the journey.

• several references have been received in this Department regarding extension of time-limit for submission of TA claims in r/o journeys performed by retired employees and their families for going to Home town/place of settlement after retirement as difficulties are being faced by the retired Govt. officials while claiming reimbursement of TA on retirement within a period of sixty days of completion of their journey.
• The matter has been considered in this Department and in partial modification of this Department’s OM of even number dated 13.03.2018, it has been decided that the time-limit for submission of claims for TA on Retirement is modified from 60 days to 180 days (six months), succeeding the date of completion of the journey.
• The time limit for submission of TA claim on tour, transfer and training will remain 60 days.
• These orders will be effective from the date of issue of the order. However, the claims not settled due to time limit of 60 days in terms of the O.M. dated 13.03.2018 on the subject, may be re-considered by the concerned Ministry/ Department.
• In their application to the persons belonging to Indian Audit and Accounts Department, these orders are issued under Article 148(5) of the Constitution and after consultation with the Comptroller & Auditor General of India.
• This is issued with the approval of Finance Secretary & Secretary (Expenditure).

Hindi version is attached.

(Nirmala Dev) Director

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Home > Finance > How Long Does A Balance Transfer Take With Chase

How Long Does A Balance Transfer Take With Chase

Published: February 18, 2024

Learn how long a balance transfer takes with Chase and manage your finances better. Find out the timeline and make informed decisions.

• Balance Transfer

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Table of Contents

Introduction, understanding balance transfers, process of balance transfer with chase, factors affecting balance transfer time, timeframe for balance transfer completion, tips for a smooth balance transfer process.

Welcome to the world of balance transfers and the realm of financial optimization! If you’re considering a balance transfer with Chase, you’re likely eager to take control of your finances and make the most of your credit card benefits. Understanding the ins and outs of balance transfers, including the time it takes for a transfer to process, is crucial for making informed decisions and maximizing the potential savings.

Embarking on a balance transfer journey can be both empowering and financially savvy. By transferring high-interest credit card debt to a new or existing credit card with a lower interest rate, you can potentially save a significant amount of money on interest payments. However, the timeline for completing a balance transfer can vary based on several factors, and having a clear understanding of this process is essential for managing your financial expectations.

Throughout this article, we’ll delve into the intricacies of balance transfers, specifically focusing on the process of transferring a balance with Chase. From understanding the mechanics of balance transfers to exploring the factors that can influence the transfer time, we aim to equip you with the knowledge needed to navigate this financial maneuver with confidence.

Before delving into the specifics of balance transfers with Chase, it’s important to grasp the fundamental concept of this financial strategy. A balance transfer involves moving existing credit card debt from one or multiple accounts to another credit card, typically with a lower interest rate. The primary objective is to reduce the financial burden of high-interest debt and potentially save money on interest payments over time.

When you initiate a balance transfer, the new credit card issuer effectively pays off the balances on your old accounts, consolidating the debt onto the new card. This can offer several advantages, such as the convenience of managing a single payment, the potential for lower interest rates, and the opportunity to streamline your financial obligations.

It’s important to note that balance transfers are not without potential drawbacks. While they can provide relief from high-interest debt, they often involve balance transfer fees, which are typically calculated as a percentage of the amount being transferred. Additionally, the new credit card may have an introductory period with a low or 0% APR, but this promotional rate is temporary and will eventually revert to the standard APR.

Understanding the implications of balance transfers, including the potential benefits and associated costs, is crucial for making informed decisions about your financial well-being. By evaluating your current debt situation, assessing the terms of the new credit card, and considering the impact of balance transfer fees, you can determine whether a balance transfer aligns with your financial goals and circumstances.

Now that we’ve explored the foundational aspects of balance transfers, let’s shift our focus to the specific process of initiating a balance transfer with Chase.

When considering a balance transfer with Chase, it’s essential to familiarize yourself with the step-by-step process involved in initiating and completing the transfer. Chase offers a straightforward and user-friendly approach to balance transfers, enabling cardholders to consolidate their existing credit card debt onto a Chase credit card with potentially more favorable terms.

The first step in the process is to select a Chase credit card that aligns with your financial needs and offers favorable terms for balance transfers. Once you have identified the most suitable card, you can proceed with the application process, ensuring that you provide accurate information about the amount you wish to transfer and the accounts from which the balances will be transferred.

Upon approval of your Chase credit card application, you will gain access to the Chase online portal or mobile app, where you can navigate to the balance transfer section. Here, you will be prompted to enter the details of the accounts from which you wish to transfer balances, including the account numbers and the specific amounts to be transferred from each account.

After submitting the balance transfer request, Chase will initiate the process of paying off the specified balances on your behalf. It’s important to note that there may be a waiting period between the submission of the balance transfer request and the actual completion of the transfers. During this time, it’s crucial to continue making payments on your existing credit card accounts to avoid any potential late fees or penalties.

Once the balance transfer is completed, the consolidated amount will appear on your Chase credit card statement, and you will be responsible for making payments based on the terms and conditions of the new card. It’s important to carefully review the details of the balance transfer, including any associated fees and the introductory APR period, to ensure that you have a clear understanding of the financial implications.

By following the prescribed process for balance transfers with Chase and staying informed about the status of your transfers, you can effectively manage your debt consolidation journey and take proactive steps toward financial stability.

The timeline for completing a balance transfer with Chase can be influenced by several factors, each of which plays a significant role in determining the overall duration of the transfer process. Understanding these factors is essential for managing your expectations and proactively addressing any potential delays that may arise.

• Credit Card Issuer Policies: The specific policies and processes of the credit card issuer, in this case, Chase, can impact the speed at which balance transfers are executed. It’s important to familiarize yourself with Chase’s guidelines for balance transfers and any associated timelines for processing these transactions.
• Verification of Account Information: Accuracy and completeness of the account information provided for the balance transfer are crucial. Any discrepancies or inaccuracies in the account details may lead to delays as the issuer verifies the transfer information to ensure the seamless completion of the process.
• Volume of Transfer Requests: The volume of balance transfer requests received by Chase can affect the processing time. During periods of high demand or increased transfer activity, there may be a backlog of requests, potentially leading to longer processing times for individual transfers.
• Communication Between Financial Institutions: When transferring balances from accounts held with other financial institutions to a Chase credit card, the communication and coordination between these entities can impact the overall transfer time. Delays in inter-institutional communication may prolong the completion of the balance transfer.
• Review and Approval Process: Chase may conduct a review and approval process for balance transfer requests to ensure compliance with their internal policies and regulatory requirements. This review process can contribute to the overall time taken to process and execute the balance transfers.

By being mindful of these factors and proactively addressing any potential challenges, you can navigate the balance transfer process with greater insight and preparedness. Additionally, staying informed about the status of your balance transfer and maintaining open communication with Chase can help mitigate delays and facilitate a smoother transfer experience.

The timeframe for completing a balance transfer with Chase can vary based on a range of factors, and understanding the typical duration of this process is crucial for managing your expectations and planning your financial commitments accordingly.

On average, the completion of a balance transfer with Chase can take anywhere from 7 to 21 days, although this timeline is subject to variation based on the specific circumstances surrounding the transfer. It’s important to note that this timeframe encompasses the entire process, from the submission of the balance transfer request to the consolidation of the transferred balances onto your Chase credit card.

Factors such as the accuracy of the account information provided, the volume of transfer requests, and the review and approval process can all contribute to the overall duration of the balance transfer. Additionally, the efficiency of inter-institutional communication and coordination between Chase and the financial institutions from which balances are being transferred can impact the speed of the process.

During the period while the balance transfer is in progress, it’s essential to continue making payments on your existing credit card accounts to avoid any potential late fees or penalties. Once the balance transfer is completed, the consolidated amount will appear on your Chase credit card statement, and you will be responsible for making payments based on the terms and conditions of the new card.

To gain a more precise understanding of the expected timeframe for your specific balance transfer, it’s advisable to consult with Chase and inquire about the estimated processing and completion times based on your individual circumstances and the details of your transfer request.

By remaining informed about the typical timeframe for balance transfer completion and staying proactive throughout the process, you can effectively manage your financial obligations and leverage the benefits of consolidating your credit card debt onto a Chase credit card.

Embarking on a balance transfer journey with Chase can be a strategic move to gain control over your finances and reduce the burden of high-interest credit card debt. To ensure a seamless and efficient balance transfer process, consider the following tips that can help you navigate this financial maneuver with confidence:

• Understand the Terms and Conditions: Before initiating a balance transfer, carefully review the terms and conditions of the new Chase credit card, including the introductory APR period, balance transfer fees, and the standard APR that will apply after the promotional period. Understanding these details will help you make informed decisions and avoid any surprises during the transfer process.
• Accurate Account Information: When providing the details of the accounts from which you wish to transfer balances, ensure that the account information is accurate and up to date. This includes the account numbers, outstanding balances, and any other relevant information required for the transfer.
• Continue Making Payments: While the balance transfer is in progress, continue making payments on your existing credit card accounts to avoid late fees and maintain a positive credit standing. The completion of the balance transfer may take time, and it’s essential to uphold your financial responsibilities during this period.
• Monitor the Transfer Status: Stay informed about the status of your balance transfer by regularly checking your Chase account portal or contacting Chase’s customer service. Being proactive about monitoring the transfer process can help you address any potential issues or delays in a timely manner.
• Communicate with Chase: If you have any questions or concerns about the balance transfer process, don’t hesitate to reach out to Chase’s customer service for assistance. Clear communication can help clarify any uncertainties and ensure that the transfer progresses smoothly.
• Optimize the Introductory Period: If your new Chase credit card offers an introductory period with a low or 0% APR for balance transfers, consider optimizing this period by diligently paying down your transferred balances. Doing so can maximize the potential savings on interest payments.

By adhering to these tips and maintaining a proactive approach throughout the balance transfer process, you can enhance the likelihood of a smooth and successful transfer experience with Chase. Consolidating your credit card debt onto a Chase credit card can pave the way for improved financial management and reduced interest expenses, contributing to your overall financial well-being.

Embarking on a balance transfer journey with Chase presents an opportunity to take control of your finances, reduce the burden of high-interest debt, and potentially save money on interest payments. Understanding the intricacies of balance transfers, including the process of transferring balances with Chase and the factors that can influence the transfer time, is essential for making informed financial decisions.

By comprehending the fundamental concept of balance transfers and the potential benefits and costs associated with this financial strategy, you can approach the transfer process with clarity and foresight. Selecting a Chase credit card that aligns with your financial goals and offers favorable terms for balance transfers sets the stage for a well-informed and strategic approach to debt consolidation.

Throughout the balance transfer process, it’s important to remain proactive, ensuring the accuracy of account information, monitoring the transfer status, and maintaining open communication with Chase. By adhering to these principles and optimizing the introductory period offered by the new credit card, you can maximize the potential benefits of consolidating your credit card debt onto a Chase credit card.

As you navigate the balance transfer process, recognizing the typical timeframe for completion and understanding the factors that can impact the transfer time will empower you to manage your financial commitments effectively. By staying informed and proactive, you can mitigate potential delays and facilitate a smooth and efficient balance transfer experience.

Ultimately, a successful balance transfer with Chase can position you to achieve greater financial stability, reduce interest expenses, and streamline your debt management efforts. Leveraging the insights and tips provided in this article, you can approach the balance transfer process with confidence and work towards enhancing your overall financial well-being.

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Govt Jobs & Employees Galaxy World

Employees corner, education and govt jobs, calculation of joining time on transfer of government employee.

I shall here explain the procedure of Calculation of Joining Time on Transfer of Government Employee. The detail is based on the DDO Handbook updated in 2009 . Detail is as under:

The joining time normally is 7 days. Seven days include 6 days preparation time and one day journey time. 2 nd day of travelling involves where the distance is 400 Kilometer or longer. Sunday is not counted for the calculation of joining time.

Further details are available at the copy of the page extracted from DDO Book.

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• Best Balance Transfer Credit Cards
• Best for 0% Intro APR on Balance Transfers and Purchases
• Best for Flexible Rewards on Everyday Expenses
• Best for Balance Transfer Length
• Best for Groceries, Gas, and Online Shopping

Best for Custom Cash Back Categories

• Best for Building Credit
• Balance Transfer Basics
• Why You Should Trust Us

Choosing the Best Balance Transfer Credit Card for You

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews .

The information for the following product(s) has been collected independently by Business Insider: Citi Simplicity® Card. The details for these products have not been reviewed or provided by the issuer.

Best Balance Transfer Credit Cards of June 2024

• Best balance transfer card for 0% intro APR on balance transfers and purchases :  Wells Fargo Reflect® Card
• Best balance transfer card for long balance transfer period : Citi Simplicity® Card
• Best for flexible rewards on everyday expenses : Chase Freedom Unlimited®
• Best for groceries, gas, and online shopping : Blue Cash Everyday® Card from American Express
• Best for custom cash back categories : Bank of America® Customized Cash Rewards Credit Card
• Best if you're building credit : Chase Slate Edge℠

Introduction to Balance Transfer Cards

If you're carrying credit card debt, you can reduce high interest by transferring your outstanding balance to a credit card with zero interest starting out, also called a 0% intro APR. 

But a 0% intro APR isn't a license to splurge. Be sure to use your credit card responsibly, and avoid spending more than you can afford to prevent incurring even more debt. 

Best Balance Transfer Credit Card Comparison

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days, then 18.24%, 24.74%, or 29.99% variable APR

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days

18.24%, 24.74%, or 29.99% variable

Good to Excellent

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Extra-long intro APR on purchases and qualifying balance transfers
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cell phone protection
• con icon Two crossed lines that form an 'X'. No rewards
• con icon Two crossed lines that form an 'X'. Foreign transaction fees

If you're looking for the best Wells Fargo credit card for balance transfers, the Wells Fargo Reflect® Card is a great choice. And it offers an extra-long interest-free period on new purchases, too.

• Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
• 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
• $0 Annual Fee.
• Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
• Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.

0% intro APR on balance transfers for 21 months (transfers must be completed within four months of account opening) and on purchases for 12 months, then 19.24% - 29.99% Variable APR.

0% intro APR on balance transfers for 21 months (transfers must be completed within four months of account opening) and on purchases for 12 months

19.24% - 29.99% Variable

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers one of the longest intro APR periods for balance transfers (21 months)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No late fees or penalty APR for late payments
• con icon Two crossed lines that form an 'X'. Higher balance transfer fee than some other cards
• con icon Two crossed lines that form an 'X'. Doesn't offer rewards, so you may want to upgrade to another card once you're done paying off your debt

The Citi Simplicity® Card can be helpful to those carrying big balances on high-interest credit cards. The card can give you a chance to get ahead of crippling monthly interest fees by giving you a long intro APR on balance transfers and purchases.

Earn 5% cash back on Chase travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

0% intro APR on purchases and balance transfers for the first 15 months

20.49% - 29.24% Variable

Earn an additional 1.5% cash back on everything you buy

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Solid flat cash-back rate
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can combine cash-back rewards with Ultimate Rewards points if you have an eligible card
• con icon Two crossed lines that form an 'X'. Some other cards offer a higher rate of cash back on certain types of purchases

The Chase Freedom Unlimited® is a great choice for credit card beginners and experts alike. With no annual fee and a high earnings rate, it's worth considering as an everyday card — and it's even better when you pair it with an annual-fee Chase card like the Chase Sapphire Reserve®.

• Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
• Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
• After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
• Member FDIC

Earn 3% cash back at U.S. supermarkets, U.S. online retail purchases, and at U.S. gas stations (on up to $6,000 on purchases in each category per year in purchases, then 1% cash back). Earn 1% cash back on all other purchases.

0% intro APR on purchases and balance transfers for 15 months from account opening

Earn a $200 statement credit

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good bonus cash-back rate at U.S supermarkets
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee.
• con icon Two crossed lines that form an 'X'. If you spend more than $6,000 at U.S supermarkets in a year, you should use another card to earn bonus rewards once you hit that cap.

The Blue Cash Everyday® Card from American Express is a solid cash-back card with no annual fee. It's an especially valuable choice for purchases at US supermarkets, gas stations, and online retail purchases, thanks to its bonus earning categories.

• Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
• No Annual Fee.
• Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
• 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
• 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
• 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
• Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
• Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
• Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
• Terms Apply.

Earn 3% cash back in the category of your choice and automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases. Earn unlimited 1% on all other purchases.

0% intro APR for 15 billing cycles on purchases and on any balance transfers made within 60 days of account opening

19.24% - 29.24% Variable

Earn a $200 online cash rewards bonus

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Broad 2% and 3% cash-back categories
• con icon Two crossed lines that form an 'X'. Earn 2% and 3% cash-back categories capped at $2,500 in combined purchases each quarter.

The Bank of America® Customized Cash Rewards Credit Card is worth considering if you're looking for a no-annual-fee cash-back credit card that lets you choose your highest rewards category.

• $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
• Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
• Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
• If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
• No annual fee and cash rewards don't expire as long as your account remains open.
• 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that's currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
• Contactless Cards - The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

0% intro APR on purchases and balance transfers for 18 months from account opening, then 20.49% - 29.24% Variable APR.

0% intro APR on purchases and balance transfers for 18 months from account opening

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Introductory APR on purchases and balance transfers for the first 18 months
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Potential for automatic consideration for credit limit increases and purchase APR reductions
• con icon Two crossed lines that form an 'X'. Card doesn’t earn rewards beyond the welcome bonus
• con icon Two crossed lines that form an 'X'. Other cards have longer intro APR offers
• con icon Two crossed lines that form an 'X'. Consideration for purchase APR reduction and credit line increase requires meeting a minimum spending requirement and on-time payments

If you're looking for a card with a long introductory APR offer to pay off your balance, this card could fit the bill. However, that's the main draw, since you won't earn any rewards or a welcome bonus.

Best Balance Transfer Credit Card Reviews

If you're already carrying credit card debt, a credit card that offers 0% introductory APR on balance transfers can be a godsend for your finances. A good balance transfer credit card should offer a long period of no interest, relatively low fees for the transaction, and rewards on other money spent on new purchases.

The cards in this guide are the cream of the crop, according to Business Insider's team of credit card experts. 

Best Balance Transfer Card for 0% Intro APR on Balance Transfers and Purchases

The Wells Fargo Reflect® Card tops our list for its extra-long intro APR offer on both balance transfers and purchases. New cardholders receive a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days (then 18.24%, 24.74%, or 29.99% variable APR). Balance transfers must occur within 120 days of account opening to qualify for the intro 0% APR rate, and will come with a fee of 5%, min: $5.

Although the card doesn't earn Wells Fargo rewards for spending, cardholders get a handful of good benefits, including cellphone protection and roadside dispatch. Cellphone protection is particularly compelling because no-annual-fee cards typically don't offer this benefit. When you use the Wells Fargo Reflect® Card to pay your monthly cellphone bill, you'll receive up to $600 in coverage for eligible cellphone damage or theft, after a $25 deductible, with a maximum of two claims per 12-month period.

Read more about this card in our Wells Fargo Reflect review .

Best Balance Transfer Card for Flexible Rewards on Everyday Expenses

The Chase Freedom Unlimited® is a great pick if you're looking for an intro APR on balance transfers and purchases with the opportunity to earn generous rewards for your day-to-day spending. New cardholders receive a 0% intro APR on purchases and balance transfers for the first 15 months (then a 20.49% - 29.24% Variable APR).

The intro balance transfer fee is 3% of the amount of each transfer (or $5, whichever is greater) on transfers made within 60 days of account opening. After that, the fee jumps to 5% of the amount of each transfer (or $5, whichever is greater). This card has no annual fee, but you will pay foreign transaction fees on international purchases.

While the Chase Freedom Unlimited® is marketed as a cash-back credit card, it actually earns those rewards in the form of Chase Ultimate Rewards ® points . You can use these points as cash, or you can redeem them for travel booked through the Chase Travel SM Portal, gift cards, merchandise, and more.

If you have more than one Chase Ultimate Rewards-earning credit card, you can also transfer your points on a card with elevated redemption rates, such as the Chase Sapphire Reserve® or the Chase Sapphire Preferred® Card, for additional value. 

This card starts you out with a welcome bonus offer of additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year). You'll also earn 5% back (5x points) on travel booked through Chase, 5% back (5x points) on Lyft rides through March 2025, 3% back (3x points) on dining (including takeout) and drugstores, and 1.5% back (1x points) on all other eligible purchases.

If you also have an annual-fee Chase card that earns Chase Ultimate Rewards points, such as the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve®, you can combine your rewards and unlock more redemption options, including transferring points to Chase's airline and hotel partners.

Learn more about this card in our Chase Freedom Unlimited review .

Best Balance Transfer Card for Balance Transfer Length

Consumers with a lot of high-interest credit card debt could save more with a card that offers a 0% intro APR for as long as possible. The Citi Simplicity® Card extends one of the best offers in this category.

There's no annual fee, yet you get a 0% intro APR on balance transfers for 21 months (transfers must be completed within four months of account opening) and on purchases for 12 months. After that, your rate goes up to 19.24% - 29.99% Variable APR based on your creditworthiness.

You can pay down a ton of debt by responsibly taking advantage of this card's full 21 months with a 0% intro APR on balance transfers. But you'll pay a 3% balance transfer fee (minimum of $5) for the privilege. You'll also need to complete any transfers within the first four months after you open the card in order to qualify for the introductory APR. 

The Citi Simplicity® Card also offers automatic account alerts, 24/7 customer service, and the ability to choose your payment due date. 

Learn more about this card in our Citi Simplicity Card review .

Best Balance Transfer Card for Groceries, Gas, and Online Shopping

Amex offers a handful of cards with a 0% intro APR on balance transfers. One of the best is the no-annual-fee Blue Cash Everyday® Card from American Express, which comes with useful bonus categories and monthly statement credits toward Home Chef and The Disney Bundle, which includes Disney+, Hulu, and ESPN+. 

New cardholders receive a 0% intro APR on purchases and balance transfers for 15 months from account opening, followed by 19.24% - 29.99% Variable APR. To qualify for the introductory rate, balance transfers must be completed within the first 60 days of account opening. You'll also pay a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.

There's also a welcome bonus offer of a $200 statement credit after you spend $2,000 in purchases on your new card in the first six months of card membership.

With the Blue Cash Everyday® Card from American Express you'll earn: 

• 3% cash back at US supermarkets (up to $6,000 per year, then 1%)
• 3% cash back on US gas stations (up to $6,000 per year in purchases, then 1%)
• 3% cash back on US online retail purchases (up to $6,000 per year, then 1%)
• 1% cash back on all purchases (cash back is received in the form of Reward Dollars)

In addition to the cashback rewards, the Blue Cash Everyday® Card from American Express gets you perks like car rental insurance, purchase protection, access to the Global Assist Hotline, and the Amex Offers** program. 

Learn more about this card in our Blue Cash Everyday Amex Card review .

The Bank of America® Customized Cash Rewards Credit Card offers a long interest-free period on both balance transfers and purchases, and it's a solid choice if you want to earn a high rate of cashback in the category you choose. 

New cardholders receive a 0% intro APR for 15 billing cycles on purchases and on any balance transfers made within 60 days of account opening APR, followed by a 19.24% - 29.24% Variable APR. You'll pay a balance transfer fee of 3% for 60 days from account opening, then 4% per transaction.

And there's a decent welcome offer: a $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening. The card earns 3% cash back in a category of your choice (gas/EV charging, online shopping, dining, travel, drug stores, or home improvement/furnishings); 2% back at grocery stores and wholesale clubs; and 1% back on all other purchases. The 3% and 2% rates apply to the first $2,500 in combined purchases per quarter (then 1% cash back).

Read a deeper explanation of this card's benefits in our Bank of America Customized Cash review .

Best Balance Transfer Card for Building Credit

The Chase Slate Edge℠ doesn't earn cardholders rewards on purchases, or offer a welcome bonus, but that's not the point of the card. The card is geared toward folks looking to improve their financial situation and increase their credit score . 

With the Chase Slate Edge℠, you'll get a great 0% intro APR on purchases and balance transfers for 18 months from account opening (then a20.49% - 29.24% Variable APR). So if you're looking for 0% APR on both balance transfers and purchases, this card is definitely worth considering.

Moreover, you can receive an automatic, one-time review of your credit for the chance of a higher limit. But you'll first need to consistently pay on time and spend at least $500 in the first six months of opening the card. 

On each account anniversary, you'll be considered for a 2% APR reduction, as long as you've paid your card on time and spent at least $1,000 on purchases in the previous anniversary year. The reduction is capped, though — it will only be reduced until your APR reaches the Prime Rate plus 9.74% (Prime Rate is 8.50% as of 7/27/2023). 

Learn more about this card in our Chase Slate Edge review .

Balance Transfer Credit Card Basics

The average credit card interest rate is over 20%, and can be significantly higher depending on your credit score and the card you're using. The last thing you want to do is find yourself in the quicksand of credit card interest.

Before you decide to use a 0% intro APR credit card, be sure you have the means and a plan to pay off your balance in full before the introductory APR period ends. Otherwise, you'll have to pay interest on your remaining balance.

If you don't think you'll be able to pay off your debt in full by the time the introductory APR offer expires, a balance transfer credit card may not be worth it.

Balance Transfer Cards, Explained

A balance transfer card is a credit card that lets those with existing debt move their outstanding balance over from another card to avoid interest fees. You can avoid interest on a balance transfer card thanks to an intro 0% APR offer, which lasts anywhere from nine to 21 months.

After this introductory period is over, your APR will reset to the standard variable rate, so you must pay off your credit card debt in full before the intro APR period ends to avoid paying hefty interest charges.

What's the catch? One disadvantage is that balance transfer credit cards typically charge an upfront fee of 3% or 5% of your balance, or a flat fee of $300 to $500 for every $10,000 in high-interest debt you transfer. If you don't need to transfer a balance but need to make a large purchase that you'll need time to pay off, see our list of the best zero interest credit cards .

Credit Card Balance Transfer: Pros and Cons

The good thing about balance transfer credit cards is that you can get more time to pay off an existing balance without incurring sky-high interest fees. Balance transfers also allow you to consolidate credit card debt into one card, which makes it easier to manage your payments without anything slipping through the cracks. And, as mentioned above, opening a balance transfer card can improve your credit score by lowering your credit utilization ratio, provided you don't use up the line of credit on your new card.

On the downside, most balance transfer cards come with a balance transfer fee — usually 3% to 5% of the amount you're transferring. The other huge potential drawback is that if you don't pay off your total balance before the promotional APR period ends, you'll end up paying high interest rates. So you'll want to make sure it's feasible to pay down your balance before the intro APR offer ends.

Balance Transfer Credit Card Frequently Asked Questions

Balance transfer cards allow you to pay lower interest rates on existing credit card debt, which can save you a significant amount of money in a short amount of time. With a balance transfer credit card, you'll pay a 3% to 5% fee per transaction to transfer existing debt from an existing card. 

A balance transfer credit card could help you escape credit card debt if you make a plan to pay it off. Transferring your outstanding balance from a high-interest credit card to one with a 0% intro APR period can give you some financial breathing room. But they're only effective if you pay off the full outstanding balance before the intro period ends; otherwise, you'll start paying high interest once more.

To complete a balance transfer, you'll first have to apply and get approved for a balance transfer credit card. Once you have a card with an introductory APR offer on balance transfers, you'll need to initiate the transfer through the bank that issues your new balance transfer credit card.

You can usually complete this process online, or by calling the number on the back of your 0% intro APR credit card.

A balance transfer generally takes five to seven days, but the actual time can vary by issuer. Your bank may ask you to allow up to 21 days for a balance transfer to go through, but the transfer should usually be completed sooner. 

Balance transfer credit cards usually require at least a good credit score to qualify. If you have bad credit — typically defined as a FICO score below 670 — you probably won't be approved for a balance transfer card.

A bank may be less inclined to approve you for a balance transfer card if your credit score and credit report indicate that you haven't consistently paid off past debts. 

Balance transfers can affect your credit in both positive and negative ways. Opening a balance transfer credit card can help your credit score by increasing your total available credit, which in turn improves your credit utilization rate. Paying down your debt will also be beneficial to your credit score.

However, opening a new credit card triggers a hard inquiry on your credit report, which can decrease your credit score in the short term. You'll also pay a 3% to 5% balance transfer fee, which adds to your existing debt. 

Why You Should Trust Us: How We Chose the Credit Cards for Balance Transfers

Business Insider selected the best balance transfer cards by looking at all the credit cards with balance transfer offers that are currently available to new applicants. 

From there, we narrowed our list to balance transfer cards offering 0% introductory offers. We arrived at our final picks by evaluating the terms of each introductory APR offer and other card benefits. We prioritized cards that charge lower balance transfer fees as well as cards with the longest introductory 0% APR periods on balance transfers. We also factored in other card benefits, such as cash back or travel rewards , annual fees, and waived late fees.

Here's Business Insider's methodology for rating credit cards .

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Embryo Transfer: Everything You Need to Know

• What Is It?
• When Is It Needed?
• What to Expect
• Types of Transfers
• Number of Embryos
• Success Rates
• Risks and Precautions

Embryo transfer is the fertilized egg implantation into the womb ( uterus ). It is integral to the in vitro fertilization (IVF) process. The purpose of an embryo transfer is to assist a person in becoming pregnant. People who have difficulty conceiving may choose to try an embryo transfer as part of assisted reproductive technology (ART).

An embryo transfer is usually performed in a healthcare provider’s office and can result in pregnancy. There are some risks and precautions with the procedure.

This article discusses what to expect before, during, and after an embryo transfer procedure. 

ljubaphoto / Getty Images

What Is an Embryo Transfer?

An embryo transfer is implanting a fertilized egg (embryo) into the uterus. The egg is fertilized in a lab, and once the embryos are ready, a healthcare provider places them in the uterus. If the embryo implants into the uterine wall, pregnancy will occur.

Your healthcare provider may recommend an embryo transfer if you have not been able to conceive naturally. Obstetrician-gynecologists (ob-gyns) with special infertility training usually perform embryo transfers.  

When Is an Embryo Transfer Needed?

Most healthcare providers recommend seeking medical help for infertility after trying to conceive for one year. If you are older than 35, see your provider after six months of trying to get pregnant.

An embryo transfer may be a good fit for you if you have certain conditions that prevent you from getting pregnant naturally. The following conditions may cause infertility and could benefit from assisted reproductive technology:

• Anovulation : Occurs when the ovaries do not release a mature egg each month  
• Fallopian tube damage : Tube damage that the embryo travels through to reach the uterus 
• Endometriosis : When tissue from the uterine wall lining (endometrium) grows outside the uterus
• Uterine fibroids : Small, benign tumors that may interfere with the embryo implanting
• Premature ovarian failure : When the ovaries stop producing estrogen and releasing eggs
• Genetic disorders : Such as fragile X syndrome , Kartagener’s syndrome, myotonic dystrophy , and sickle cell anemia
• Impaired sperm production : Low sperm count or the sperm does not move well  

What to Expect Before, During, and After an Embryo Transfer

An embryo transfer is part of the IVF process. During IVF, you will be given fertility medications to stimulate the ovaries to release healthy eggs.

Your healthcare provider will remove the eggs during an egg retrieval procedure. They will then send the eggs to the lab to be fertilized with sperm . Once the eggs multiply, the embryos are ready to be transferred.

The Process of an Embryo Transfer

About two to three days before the scheduled transfer, your healthcare provider will determine which embryos are the most likely to result in pregnancy (most viable). They may perform metabolic profiling to assess the embryos' health.  

Your healthcare provider will likely perform the embryo transfer in an outpatient clinic. The procedure may feel similar to a Pap smear test . Your provider inserts a speculum into the vagina and gently expands it. This keeps the vaginal walls open during the procedure. 

Using ultrasound for guidance, your provider will pass a catheter (small tube) through the cervix and into the uterus. They will use the catheter to pass the embryo into the uterus.  

An embryo transfer is usually not painful, but the speculum may feel uncomfortable. Most people do not receive anesthesia or pain medications.

After the Transfer

An embryo transfer is an outpatient procedure. Your healthcare provider will tell you when it is safe to sit up and go home. It is expected to feel abdominal cramping or bloating after an embryo transfer. Some vaginal discharge is also considered normal.

Call your healthcare provider if you experience vaginal bleeding after an embryo transfer. They will ask you to return to the clinic in two weeks to determine if the transfer was successful.

A Word From Verywell

While the IVF process is very personalized, the embryo transfer experience is similar for all who go through it. The embryo transfer does not take long and should not be painful. It tends to be an easier experience than IVF.

Types of Embryo Transfer

There are different types of embryo transfers, and your healthcare provider will recommend one based on the cause of infertility, your age, and your overall health. 

Types of embryo transfers include:

• Fresh : Once fertilized, the eggs are cultured for one to two days and transferred.
• Frozen : The frozen embryos are thawed and transferred.
• Blastocyst : Once fertilized, embryos grow for five days until they become blastocysts. They are then transferred. This type of transfer may have a higher success rate than a typical fresh or frozen transfer.  
• Assisted hatching : Once fertilized, embryos develop a hard outer layer called the zona pellucida; they must “hatch” from this layer before implanting into the uterine wall. Assisted hatching creates a small break in this outer layer before transferring the embryo.

How Many Embryos Are Transferred?

Your healthcare provider may recommend transferring one or more embryos into the uterus during an embryo transfer. When determining the number of embryos to transfer, they will consider your age, health, and likelihood of becoming pregnant. 

A single embryo transfer is usually recommended for healthy people ages 35 and younger. Transferring one embryo reduces the risk of becoming pregnant with multiples (twins, triplets, etc).  

People with a higher risk of miscarriage may receive more than one embryo during the transfer. A high-load transfer refers to three or more embryos. Risks of multiples include premature labor, premature birth , and low birth weight.  

Success Rates of Embryo Transfers

The success rates for embryo transfers have increased over time. In 2011, the success rate for a singleton birth (one baby) for IVF was 22.7%. In 2020, the success rate was 34.5%.  

The percentage of embryo transfers that result in multiple births has decreased. In 2011, 8.4% of people gave birth to twins after IVF. In 2020, the percentage of twins was 2.3%, and the percentage of triplets was 0.05%. This decrease is likely related to the increased use of single embryo transfers.  

Several factors impact the success of an embryo transfer, including:

• Embryo health : The most common cause of a failed embryo transfer is a chromosomal abnormality in the embryo.
• Uterine receptivity : This describes how prepared the uterine lining is to accept implantation.
• Parent's age and reproductive history : An embryo's risk of chromosomal abnormalities increases as a parent ages. 
• Type of transfer : More research is needed to determine whether there is a statistically significant difference between success rates for fresh or frozen embryo transfers.  

Risks and Precautions of Embryo Transfers

Embryo transfers and IVF come with risks and are not safe for everyone. The most significant risk is becoming pregnant with multiples. This raises the risk of several pregnancy and birth complications. Fortunately, the risk of multiples from IVF has decreased as healthcare providers have moved toward one embryo transfer, as opposed to several in one transfer.  

Possible risks of a pregnancy with multiple fetuses include:

• Prematurity
• Low birth weight
• Small for gestational age
• Cesarean section (C-section)
• Placenta previa (placenta attaches low in the uterus)
• Preeclampsia (high blood pressure in pregnancy)
• Congenital disabilities (structural or functional conditions present at birth)

Possible risks of all types of embryo transfers include:

• Blood clots
• Infection 
• Preterm birth 
• Low birth weight 
• Stillbirth  

An embryo transfer is crucial to the in vitro fertilization (IVF) process. During an embryo transfer, an ob-gyn transfers a fertilized egg (embryo) into a person’s uterus to achieve pregnancy. 

Healthcare providers usually perform embryo transfers in outpatient clinics. While the procedure should not feel painful, discomfort is possible. Cramping and bloating after the procedure are normal. It is expected to feel emotional about this procedure. Seek support from your partner, friends, family members, and healthcare providers as often as possible.

D'Angelo A, Panayotidis C, Alteri A, Mcheik S, Veleva Z. Evidence and consensus on technical aspects of embryo transfer . Hum Reprod Open . 2022;2022(4):hoac038. doi:10.1093/hropen/hoac038

Brauer AA, Schattman G. Embryo transfer. Methods Mol Biol . 2014;1154:541-548. doi:10.1007/978-1-4939-0659-8_25

American College of Obstetricians and Gynecologists. Treating infertility .

March of Dimes. Thinking about fertility treatment .

Yatsenko SA, Rajkovic A. Genetics of human female infertility . Biol Reprod . 2019;101(3):549-566. doi:10.1093/biolre/ioz084

Murphy LA, Seidler EA, Vaughan DA, et al. To test or not to test? A framework for counselling patients on preimplantation genetic testing for aneuploidy (PGT-A) . Hum Reprod . 2019;34(2):268-275. doi:10.1093/humrep/dey346

Leary C, Sturmey RG. Metabolic profile of in vitro derived human embryos is not affected by the mode of fertilization . Mol Hum Reprod . 2020;26(4):277-287. doi:10.1093/molehr/gaaa015

Hairston JC, Kohlmeier A, Feinberg EC. Compassionate embryo transfer: physician practices and perspectives . Fertil Steril . 2020;114(3):552-557. doi:10.1016/j.fertnstert.2020.04.026

Keyhan S, Acharya KS, Acharya CR, et al. How compliant are in vitro fertilization member clinics in following embryo transfer guidelines? An analysis of 59,689 fresh first in vitro fertilization autologous cycles from 2011 to 2012 . Fertil Steril . 2016;106(3):645-652.e1. doi:10.1016/j.fertnstert.2016.05.012

Glujovsky D, Quinteiro Retamar AM, Alvarez Sedo CR, et al. Cleavage-stage versus blastocyst-stage embryo transfer in assisted reproductive technology . Cochrane Database Syst Rev . 2022;5(5):CD002118. doi:10.1002/14651858.CD002118.pub6

Ng C, Wais M, Nichols T, et al. Assisted hatching of vitrified-warmed blastocysts prior to embryo transfer does not improve pregnancy outcomes . J Ovarian Res . 2020;13(1):88. doi:10.1186/s13048-020-00692-x

Centers for Disease Control and Prevention. Single embryo transfer .

Mancuso AC, Boulet SL, Duran E, et al. Elective single embryo transfer in women less than age 38 years reduces multiple birth rates, but not live birth rates, in United States fertility clinics . Fertil Steril . 2016;106(5):1107-1114. doi:10.1016/j.fertnstert.2016.06.017

Centers for Disease Control and Prevention. 2020 National ART summary .

American College of Obstetricians and Gynecologists. Increased success and safety in assisted reproductive technology by using elective single embryo transfer .

Zargar M, Dehdashti S, Najafian M, Choghakabodi PM. Pregnancy outcomes following in vitro fertilization using fresh or frozen embryo transfer . JBRA Assist Reprod . 2021;25(4):570-574. doi:10.5935/1518-0557.20210024

Basirat Z, Adib Rad H, Esmailzadeh S, et al. Comparison of pregnancy rate between fresh embryo transfers and frozen-thawed embryo transfers following ICSI treatment . Int J Reprod Biomed . 2016;14(1):39-46.

American College of Obstetricians and Gynecologists. Perinatal risks associated with assisted reproductive technology .

By Carrie Madormo, RN, MPH Madormo is a health writer with over a decade of experience as a registered nurse. She has worked in pediatrics, oncology, chronic pain, and public health.

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A balance transfer credit card can help you manage and eliminate debt with introductory APR offers that provide a temporary break from interest charges. The best balance transfer credit cards available from our partners have introductory 0 percent APR offers lasting 15 to 21 months, allowing you to avoid paying interest on a transfer until mid-2025.

Read on to learn more about our picks for the best balance transfer cards of May 2024.

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13 Best Balance Transfer Credit Cards with 0% APR for June 2024:

• Best for long balance transfer period: Wells Fargo Reflect® Card
• Best for everyday spending:  Blue Cash Everyday® Card from American Express Card
• Best for welcome offer: Discover It® Chrome
• Best for long-term value: Citi Double Cash® Card
• Best for flat-rate cash back: Wells Fargo Active Cash® Card
• Best for travel: Bank of America® Travel Rewards credit card
• Best for dining: Chase Freedom Unlimited®
• Best for groceries:  Blue Cash Preferred® Card from American Express
• Best for flexibility: Citi Custom Cash® Card
• Best for customizable rewards:  Bank of America® Customized Cash Rewards credit card
• Best for late payment fee forgiveness: TD FlexPay Credit Card
• Best for low interest: USAA Rate Advantage Credit Card
• Best for simplicity: Bank of America® Unlimited Cash Rewards credit card

Additional Options :

• Best for no late fees: Citi Simplicity® Card
• Best for no penalty APR: BankAmericard® credit card
• Best credit union balance transfer card: Gold Visa® Card
• How we assess the best balance transfer cards

What is a balance transfer credit card?

How to maximize your 0% balance transfer savings.

• Expert advice on how to use a balance transfer card
• What people say about the best balance transfer cards

Our data: Are balance transfer cards becoming harder to get?

• In the news
• Frequently asked questions
• Ask the experts

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Best for long balance transfer period

Wells Fargo Reflect® Card

Bankrate score

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Balance transfer intro APR

0% intro APR for 21 months from account opening on qualifying balance transfers

Regular APR

18.24%, 24.74%, or 29.99% Variable APR

Rewards rate

Rewards rate is not available for this credit card.

What we love: We consider this card a prime pick for people who want a balance transfer credit card. It has a potentially low ongoing interest rate and its intro APR offer is top-notch and among the longest promotional APR offers currently available. Balance transfer timeline: You must transfer your balance within 120 days to qualify for the intro APR rate (5 percent balance transfer fee applies, minimum $5). Learn more: Is the Wells Fargo Reflect card worth it? Alternatives: The Chase Freedom Unlimited® card is ideal for anyone who wants to forego a longer introductory APR period on balance transfers in exchange for cash back rewards.

• The same lengthy introductory APR applies to purchases and qualified balance transfers.
• You can get up to $600 in cell phone protection against damage or theft (subject to a $25 deductible) if you use the card to pay your monthly phone bill.
• The card comes with a 3 percent foreign transaction fee, which is standard, but adds to your balance if you use the card abroad.
• The card has limited long-term value due to its lack of a rewards program.
• Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
• 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
• $0 Annual Fee.
• Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
• Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.

Best for everyday spending

Blue Cash Everyday® Card from American Express

0% on balance transfers for 15 months

19.24% - 29.99% Variable

3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. 1% Cash Back on other purchases.

What we love: The Blue Cash Everyday Card is a solid option for use after a balance transfer because of its competitive rewards rates in everyday spending categories. Once you’ve paid down your debt, you can use this card to get cash back at U.S. supermarkets, U.S. gas stations and U.S. online retailers. Learn more: Is the Amex Blue Cash Everyday worth it? Alternatives: If you want even more flexibility when it comes to earning in your biggest spending categories, the Bank of America Customized Cash Rewards credit card is an alternative to consider.

• You’ll get competitive rewards rates in some of the most popular categories — all for no annual fee.
• This card adds boosted rewards for online shopping with U.S. retailers, an uncommon cash back category.
• Stores like Target, Walmart and wholesale clubs don’t count as part of the U.S. supermarket bonus category.
• The spending requirement to earn the welcome offer is higher than normal.
• Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
• No Annual Fee.
• Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
• 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
• 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
• 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
• Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
• Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
• Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
• Terms Apply.

Best for welcome offer

Discover it® Chrome

0% for 18 months

18.24% - 28.24% Variable APR

Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Earn unlimited 1% cash back on all other purchases.

What we love: It not only boasts a solid intro APR offer, but also a decent cash back rate in two key everyday spending categories, so it should carry good long-term value even after you finish paying off debt. Discover also has lower fees and more forgiving terms than many competing issuers. Alternatives: The Bank of America® Customized Cash Rewards credit card ’s balance transfer offer is not as impressive as the Discover It® Chrome card’s, but the card boasts a wider mix of bonus categories, so it may offer better long-term value. You’ll enjoy bonus cash back in one eligible category of your choice (with options including gas, dining and more) as well as year-round bonus cash back at grocery stores and wholesale clubs.

• It carries limited fees and forgiving terms, including a low balance transfer fee and no late fee the first time you pay late (up to $41 afterward). This makes it a good option if you’re doing your first balance transfer.
• Its intro APR period for balance transfers is longer than the period you’ll find on most competing cash back cards with an intro APR offer.
• Its cash back rate, while decent, isn’t the most impressive you can find, even on other cards that offer intro APRs.
• Unlike many competing cards, this card carries a much shorter intro APR offer on purchases than on balance transfers, so it’s less useful for financing new purchases.
• Intro Offer: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
• Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
• Get a 0% intro APR for 18 months on balance transfers. Then 18.24% to 28.24% Standard Variable APR applies, based on credit worthiness.
• Redeem your rewards for cash at any time.
• Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
• No annual fee.
• Terms and conditions apply.

Best for long-term value

Citi Double Cash® Card

0% intro for 18 months on Balance Transfers

19.24% - 29.24% (Variable)

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.

What we love: In addition to a good intro APR offer on balance transfers, this card also has a solid rewards program that incentivizes both spending and paying on time. Balance transfer timeline: You must transfer your balance within four months of account opening to qualify for the intro balance transfer fee (3 percent intro balance transfer fee applies, minimum $5; 5 percent balance transfer fee applies after four months, minimum $5).  Learn more: Is the Citi Double Cash worth it? Alternatives: The Double Cash currently doesn’t offer an introductory APR offer on new purchases, so shoppers looking for a temporary break from interest on purchases along with balance transfers may find the U.S. Bank Visa® Platinum Card to be a better fit.

• The potential cash back rate on this card is one of the highest for a flat-rate cash back card.
• The structure of this card’s rewards program encourages responsible credit use, which could help your credit score.
• The intro APR on this card only applies to balance transfers, not new purchases.
• The required spend to earn the welcome offer is steep compared to other available options.
• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
• Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
• Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Best for flat-rate cash back

Wells Fargo Active Cash® Card

0% intro APR for 15 months from account opening on qualifying balance transfers

20.24%, 25.24%, or 29.99% Variable APR

• Earn unlimited 2% cash rewards on purchases.

What we love: The Wells Fargo Active Cash Card provides the opportunity to earn one of the highest cash rewards rates available on purchases. Our advice is to use the balance transfer offer to pay debt and then put the card to use as a rewards-earning machine. Balance transfer timeline: You must transfer your balance within 120 days to qualify for the balance transfer fee(3 percent intro balance transfer fee applies, then balance transfer fee up to 5 percent, minimum $5).  Learn more: Wells Fargo Active Cash benefits guide Alternatives: For people who want one of the longest offers available, the Wells Fargo Reflect Card would provide a longer intro APR than the Active Cash on purchases and qualifying balance transfers.

• You can earn 2 percent unlimited cash rewards on purchases with this card, a high rate compared to most balance transfer cards.
• There’s no annual fee that will offset your earned cash rewards.
• Much more competitive intro APR offers are available with other cards.
• If you don’t transfer your balance within 120 days you could miss out on the benefits of the intro APR offer.
• Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
• 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
• $0 annual fee.
• No categories to track or remember and cash rewards don't expire as long as your account remains open.
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.

Best for travel

Bank of America® Travel Rewards credit card

0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A fee of 3% for 60 days from account opening, then 4% will apply.

19.24% - 29.24% Variable APR on purchases and balance transfers

• Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.

What we love:  It’s not often that a no-annual-fee travel card also comes with a competitive intro APR offer on balance transfers, but this card has it all. Plus, you can redeem your travel rewards for statement credits on various travel-related purchases in the past 12 months. Balance transfer timeline: You must transfer your balance within 60 days to qualify for the intro balance transfer fee (3 percent intro balance transfer fee, then 4 percent). Learn more: Bank of America Travel Rewards credit card benefits guide Alternatives: The Capital One VentureOne Rewards Credit Card is another low-hassle travel card with a noteworthy intro APR offer. It also skips the annual fee while allowing you to use everyday expenses to earn toward travel ( See Rates & Fees ).   

• The intro APR offer also includes purchases, making it an effective tool for financing a larger expense.
• You can boost your rewards rate by 25 percent to 75 percent as a Bank of America Preferred Rewards member.
• Bank of America doesn’t have any travel partners, so you can’t transfer points for more value.
• Its cardholder perks and benefits are sparse compared to other travel cards.
• 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
• Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
• Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
• 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
• If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
• Contactless Cards - The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Best for dining

Chase Freedom Unlimited®

0% Intro APR on Balance Transfers for 15 months

20.49% - 29.24% Variable

Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more. 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service. 1.5% on all other purchases.

What we love: Its cash back program offers tiered cash back rates in popular spending categories and a solid flat rate for all purchases, making it a flexible card with plenty of rewards value after the balance transfer intro APR period ends. Learn more: Is the Chase Freedom Unlimited worth it? Alternatives: The Freedom Unlimited’s intro APR periods are just a hair short of the offers on other cards and its ongoing APR can be relatively high. If you’re serious about your balance transfer, the Citi Diamond Preferred Card has a longer balance transfer offer and a lower ongoing APR. 

• The intro APR offer also includes new purchases, which can be useful while paying down debts.
• It offers bonus cash back rates and 1.5 percent back on general purchases, giving it long-term value after you’ve paid off your balance transfer.
• Its intro APR for balance transfers is shorter than many other balance transfer credit cards — people with substantial debt may need longer offers.
• Charges a potential indefinite penalty APR if you make a late payment, which can quickly spiral you deeper into debt.
• Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
• Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
• After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
• Member FDIC

Best for groceries

Blue Cash Preferred® Card from American Express

0% on balance transfers for 12 months

6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more. 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.

• $0 intro annual fee for the first year, then $95.

What we love: The rewards rates in top spending categories like U.S. supermarket purchases and select U.S. streaming services are hard to beat with this card. Pair the cash back rates with a modest intro APR offer on balance transfers and you have a card that provides value long after you’ve paid off your transferred balance. Learn more: Is the Amex Blue Cash Preferred worth it? Alternatives: If you’re a fan of what the Blue Cash Preferred has to offer, but want to skip the annual fee, the Amex Blue Cash Everyday is a great no-annual-fee alternative. 

• The ongoing annual fee after the first year is easy to offset with cash back and annual credits.
• It offers competitive cash back rates on gas and transit purchases, which don’t have a spending cap.
• Not ideal for spending abroad due to its 2.7 percent foreign transaction fee.
• The annual spending cap on U.S. supermarkets could limit its earning potential.
• Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
• Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
• Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%.
• 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
• 6% Cash Back on select U.S. streaming subscriptions.
• 3% Cash Back at U.S. gas stations.
• 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
• 1% Cash Back on other purchases.
• Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit on Amazon.com at checkout.
• $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.

Best for flexibility

Citi Custom Cash® Card

0% for 15 months on balance transfers

Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025. Earn unlimited 1% cash back on all other purchases.

What we love: The Citi Custom Cash Card combines a good balance transfer offer with generous rewards. The bonus cash back rate automatically applies to the eligible category in which you spend the most each billing cycle, so you don't have to do extra legwork to maximize this card after your balance transfer. Learn more: Is the Citi Custom Cash worth it? Alternatives: People concerned about paying a high go-to APR may be interested in the BankAmericard® credit card . 

• The same intro APR offer applies to both purchases and balance transfers.
• This card’s 10 eligible bonus categories include plenty of everyday purchases.
• It has a spending cap on your high-earning category, which can be easy to exceed.
• The intro APR offers on this card are shorter than what you’d find with other balance transfer cards available.
• 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
• Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
• No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
• No Annual Fee
• Citi will only issue one Citi Custom Cash® Card account per person.

Best for customizable rewards

Bank of America® Customized Cash Rewards credit card

Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Earn unlimited 1% on all other purchases.

What we love: The Bank of America Customized Cash Rewards credit card might not have the longest introductory offers, but its long-term value is better than competing cards because of its cash back rewards program. Balance transfer timeline: You must transfer your balance within 60 days of account opening to qualify for the intro balance transfer fee(3 percent intro balance transfer fee applies to each transfer, then 4%). Learn more: Is the Bank of America Customized Cash Rewards credit card worth it? Alternatives: People who just want to take advantage of an introductory APR offer on balance transfers and have less interest in pursuing rewards may want to consider the Citi Diamond Preferred card instead.

• Bank of America Preferred Rewards members with qualifying account balances can boost this card’s cash back rate.
• You can change your highest-earning spending category once a month.
• There’s a spending cap on your highest-earning cash back categories.
• This card isn’t ideal for taking abroad due to its 3 percent foreign transaction fee.
• $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
• Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
• Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
• If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
• No annual fee and cash rewards don’t expire as long as your account remains open.

Best for late payment fee forgiveness

TD FlexPay Credit Card

0% introductory APR balance transfers for first 18 billing cycles after account opening.

19.24%, 21.24%, 24.24%, 27.24% or 29.24% variable APR based on your creditworthiness.

What we love: It offers a competitive balance transfer intro offer and ongoing APR. People in the states where this card is available could benefit from the forgiving late fee terms: TD Bank will refund your first late payment fee every 12 billing cycles. Remember that late payments are still reported to the credit bureaus and can affect your credit score. Alternatives: The Citi Simplicity® Card has a longer intro APR offer and is just as forgiving with fees — it charges no late fee, no annual fee and no returned payment fee.  

• The late fee refund terms can be helpful in a tight spot while paying off debt.
• Its balance transfer intro offer period is longer than some other cards’ offers.
• This card is only available to residents in 15 states and Washington, D.C.
• It doesn’t earn rewards, which reduces its long-term value.
• Balance transfers: Get a 0% introductory APR on balance transfers for the first 18 billing cycles after account opening. After that, 19.24%, 21.24%, 24.24%, 27.24% or 29.24% variable APR based on your creditworthiness.
• Get built-in flexibility with the TD FlexPay Credit Card
• TD's best balance transfer offer
• Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card
• No annual fee
• Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.

Best for low interest

USAA Rate Advantage Credit Card

0% intro APR for 15 months on balance transfers, then 12.15% to 26.15% variable regular APR

12.15% to 26.15% variable

What we love: This card from USAA boasts a competitive intro APR offer for balance transfers, but its true worth lies in its potentially low ongoing APR. Many of the best low-interest credit cards don’t start this low, so it’s a great option to consider if you qualify for USAA membership. Balance transfer timeline: You must transfer your balance within 90 days to qualify for the intro APR rate (5 percent balance transfer fee for each transfer applies). Alternatives: The USAA Rate Advantage Credit Card has limited value after the intro offer ends, so it may be worth considering a card that earns rewards like the Citi Double Cash .

• The ongoing interest rate on this card may be one of the lowest rates you’ll see on many balance transfer credit cards.
• This card is light on fees as it doesn’t charge an annual fee or foreign transaction fees.
• Eligibility for the card is restricted to military personnel, veterans and their families.
• The card’s 5 percent balance transfer fee is a bit high and may add a lot to your payoff amount.
• Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
• Intro Offer: Get a 0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening. After this time, the variable regular APR of 12.15% to 26.15% will apply to introductory balances.
• A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
• Take advantage of USAA's lowest interest rate card, whether you’re making a purchase or transferring a balance.
• Pay less in interest if you carry a balance from month to month.
• Enjoy the same low variable regular APR on purchases, balance transfers, and cash advances.
• No foreign transaction fees.
• See Rates and Fees for details.

Best for simplicity

Bank of America® Unlimited Cash Rewards credit card

• Earn unlimited 1.5% cash back on all purchases.

What we love: People who qualify for the Bank of America Preferred Rewards program could get some of the highest flat cash back rates available with the Bank of America Unlimited Cash Rewards credit card. If you qualify, you could get a 25 percent to 75 percent boost on your cash rewards potential. Balance transfer timeline: You must transfer your balance within 60 days of account opening to qualify for the intro balance transfer fee (3 percent intro balance transfer fee, then 4 percent). Learn more: Bank of America Unlimited Cash Rewards benefits guide Alternatives: Cash back maximizers who don’t use Bank of America and don’t mind keeping track of a few bonus categories to earn a higher rewards rate while paying down a balance may find more value with the Discover it® Cash Back .

• The rewards you earn with this card never expire as long as your account remains open and there’s no minimum amount that you need to redeem for direct deposits or statement credits.
• This card doesn’t charge an annual fee, saving some money for cardholders.
• This card charges a foreign transaction fee on purchases made outside of the U.S.
• You’ll need to maintain relatively high balances across your Bank of America accounts to qualify for the Bank of America Preferred Rewards® program (at least $20,000 minimum).
• If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.
• No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open.

Best for no late fees

Citi Simplicity® Card

*The information about the Citi Simplicity® Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

Intro offer

Intro offer is not available for this Citi credit card.

Rewards Rate

19.24% - 29.99% (Variable)

• Rewards details Caret Down N/A N/A

If you're looking to avoid some common credit card fees and minimize interest charges, this card could could be a great fit. It not only boasts one of the longest introductory APR offers available on both purchases and balance transfers, but also carries no late fees or annual fee. Read our full Citi Simplicity review .

• You’ll skip late fees, penalty APRs and annual fees with this card (though late payments still affect your credit).
• Unlike some competing cards, this card offers the same long intro APR on both balance transfers and new purchases, making it a good choice no matter what kind of credit card debt you need to pay off.
• There's no rewards program, so the card holds limited long-term value.
• Its ongoing APR is relatively high, so it may not be a great choice if you need to carry a balance beyond the promotional period.

Best for no penalty APR

BankAmericard® credit card

*The information about the BankAmericard® credit card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

0% Intro APR for 18 billing cycles for any BTs made in the first 60 days. A fee of 3% for 60 days from account opening, then 4% will apply.

16.24% - 26.24% Variable APR on purchases and balance transfers

What we love: This card boasts a competitive intro APR offer on both balance transfers and purchases, as well as a decent ongoing APR after the promotional period ends. Though it lacks a rewards program, it’s still a good choice if you’re focused on paying off debt. Balance transfer timeline: You must transfer your balance within 60 days to qualify for the intro balance transfer fee(3 percent intro balance transfer fee applies, then 4%). Learn more: BankAmericard benefits guide Alternatives: The Citi Simplicity Card is a similar balance transfer card option that may be the ideal solution for anybody who wants to avoid an annual fee, penalty APR and late payment penalties altogether.

• Its ongoing APR is lower than the rate you’ll find on many rival cards, so it could help you save money if you need to carry a balance after your intro APR period ends.
• There’s no penalty APR, so it may not sting as much if you accidentally miss a payment.
• The card has limited long-term value because it doesn’t earn rewards or provide many noteworthy perks.
• It’s not a good choice for traveling abroad due to its foreign transaction fee.

Best credit union balance transfer card

Gold Visa® Card

*The information about the Gold Visa® Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

0% Balance Transfers Promo APR for 15 months

17.99% Variable APR

What we love: The Gold Visa Card from PenFed Credit Union offers a way for members to transfer and pay down high-interest credit card debt. Not only does it have a competitive intro APR offer, but the ongoing APR is also lower than the average credit card interest rate. Alternatives: If you qualify for membership, the USAA Rate Advantage Credit Card is worth considering because it has the same offer length, but a potentially lower ongoing APR. 

• The ongoing APR after the balance transfer period is low compared to other cards’ interest rates.
• It doesn’t charge a foreign transaction fee, making it a solid option to take abroad after paying off a transferred balance.
• The card is light on perks and benefits, which limits its long-term value.
• You have to establish membership to apply for the card, adding an extra step to your balance transfer process.

Compare Bankrate's best 0% balance transfer credit cards

How we assess the best balance transfer credit cards.

When evaluating the best balance transfer and low-interest cards, we consider a mix of factors, including how cards score in our  proprietary card rating system  and whether cards offer features that fit the priorities of a diverse group of cardholders. 

This includes users who need to carry a balance long term, need as much time as possible to chip away at debt or are looking for maximum long-term value via rewards.

Here’s a quick look at how our rating methodology breaks down for balance transfer cards:

• Intro APR and offer length for balance transfers 45%
• Balance transfer, annual and other fees 22%
• Intro APR and offer length for new purchases 18%
• Ongoing APR 15%

We analyzed over 100 of the most popular balance transfer and low-interest cards and scored each based on its introductory APR, intro APR period length, ongoing APR, balance transfer fee, perks and more to determine whether it belonged in this month’s roundup

Here are some of the key factors that we considered:

Generous intro and ongoing APR

The primary factor in a balance transfer or low-interest card’s rating and its inclusion in our list is the quality of its introductory APR offer and ongoing APR. This includes both the introductory rate itself and the length of the intro APR on both balance transfers and new purchases. 

For cards designed primarily for balance transfers, the intro APR offer on balance transfers has the largest impact on overall score. The quality of these cards’ intro APR on new purchases is also considered, but holds less weight than the intro APR on balance transfers. 

For general low-interest cards, the intro APR offer on new purchases has the largest impact on overall score, followed by the ongoing APR and intro APR offer on balance transfers. This weighting assumes cardholders considering a card in this category will prioritize payment flexibility on new purchases or may need to carry a balance long term, whereas cardholders trying to pay off debt will opt for a dedicated balance transfer card.

The cards that score the highest in these categories and are most likely to be included in our list tend to offer long 0% intro APRs on both balance transfer and new purchases as well as a lower-than-average low-end APR. 

Reasonable fees

Along with evaluating each card’s intro APR offers, we score balance transfer and low-interest cards based on their fees. 

Of primary importance is a card’s balance transfer fee, since this can play a large role in the total cost of a balance transfer. We rate each card’s balance transfer fee based on how it stacks up against the fee you’ll find on competing cards. 

While this fee carries less weight when we assess general low-interest cards than dedicated balance transfer cards, it still factors into our evaluation since cardholders may decide to transfer debt to a low-interest card even if it offers no intro APR or an intro APR higher than 0 percent.

And while a lower balance transfer fee could save you more overall than a few extra months of 0 percent intro APR, this fee carries less weight in our scoring system than a card’s introductory APR and intro APR period. This is because many users prioritize getting as much time as possible to pay off debt while avoiding interest. 

Other fees considered in our assessment include the presence of annual, foreign transaction, cash advance and late payment fees, along with penalty APRs. Annual fees are weighted most heavily since these are the only “unavoidable” fees in the list and tend to be less common on dedicated balance transfer and low-interest credit cards.

Solid long-term value

While getting a generous intro APR offer and low ongoing APR are likely to be the biggest priorities for someone looking for a low-interest or balance transfer card, we also consider how much value a card can offer  after  its intro APR comes to an end. 

Balance transfer and low-interest cards receive a higher rating and are more likely to be included in our list of best cards if they also include an ongoing rewards program or unique and valuable perks. Such features make a card more useful long term and make it less likely you’ll need to apply for a new card (and temporarily hurt your credit score) after you pay off debt.

With this in mind, our best cards list often includes a number of rewards and cash back cards alongside dedicated balance transfer cards. These cards tend to offer slightly shorter intro APR periods, but could help you save more overall, either via rewards earned on everyday spending, valuable perks or a lower balance transfer fee.

Have more questions for our credit cards editors? Feel free to send us an email , find us on Facebook , or Tweet us @Bankrate .

A balance transfer card lets you move a balance from one credit card to another. In some cases, you can transfer more than just credit card debt to a balance transfer card, such as personal loans.

Balance transfer cards typically come with an introductory 0 percent APR offer for a set period (typically 12 to 21 months), during which you won’t be charged interest on your transferred balance. This interest-free period allows you to pay off debt more efficiently, since your payments will go toward your principal balance instead of interest charges.

When the intro APR period ends, interest applies to any remaining balance at the end of each billing cycle like a regular credit card. The average intro APR period is 12 to 21 months, with many of the best balance transfer intro periods offering 18 to 21 months .

The amount of time it takes for a balance to transfer from one credit card to another will vary by issuer. The process typically takes five to seven days, but some credit card companies may take up to six weeks to complete balance transfers. Others may take as little as two days. You will typically receive an estimated turnaround time from your card provider in advance. Also, if your new card issuer approves your balance transfer request, it must coordinate the transfer with your current card issuer, which could cause potential delays.

Balance transfer terms to know

• Balance transfer fee : In exchange for letting you transfer a balance, the new card typically charges a balance transfer fee. This fee is usually 3 percent to 5 percent of the balance you’re transferring, with a minimum of $5.
• Intro APR offer : This is the time period, usually lasting 12 to 18 months, in which you will not have interest applied to your balance. 
• Transfer window : Some balance transfer cards require you to transfer a balance within a designated timeframe to qualify for the intro offer. Common transfer windows are 60 to 120 days.
• Ongoing APR : This interest rate is what applies to any remaining balance you have after the intro period ends. The current average interest rate is about 20 percent.

Pros and cons of 0% balance transfer credit cards

Plenty of things make a balance transfer card worthwhile, but some of the drawbacks may have you eyeing other options. Consider the following pros and cons when taking a look at a balance transfer credit card. 

Save money : You could save on interest charges by temporarily pausing interest on transferred debt.

Improve credit utilization ratio : Debt reduction can lower your credit utilization ratio over time, which means you’re using less of your available credit and potentially improving your credit score.

Reduce monthly payments : The temporary break from interest on your transferred balance could translate to a lower monthly payment during the intro APR period.

Consolidate debts : If you have multiple cards with high balances, you can simplify your debt payment process by consolidating the debt onto one card.

High credit approval threshold : The best balance transfer cards with the longest 0 percent intro offers tend to be available to people with good or excellent credit.

Interest on remaining balance: If you don’t pay off the transfer entirely during the introductory period, the remaining balance will be subject to the new card’s regular APR, which can get pretty high.

May not have rewards: The main feature on most balance transfer cards is a lengthy intro APR period, and many intro APR-focused cards don’t earn rewards, though some cards do offer relatively modest cash back rewards.

Limits on transfer amounts : Balance transfer cards may limit the amount you’re allowed to transfer and it can be difficult to know these limits until you apply for the card.

• Initiate your balance transfer immediately : Most cards require you to transfer your credit card balance within a set period of time to be eligible for the intro APR offer. Plus, the sooner you transfer the balance, the sooner interest stops accruing on that debt.
• Keep up with payments until your transfer is complete : You don’t want to run the risk of seriously hurting your credit by missing a payment, since payment history is the most significant factor affecting your credit score . Until you have confirmation from your previous issuer that your card balance is zero , keep up with payments on your card to protect your credit. 
• Create a payoff strategy: The best way to maximize the value of your balance transfer card is to make sure you pay off your transferred balance within the intro APR period. This allows you to avoid interest charges and provides a clear timeline for you to pay down your debt.
• Don’t miss a payment : Missing a payment on your balance transfer card could void your intro offer, so nailing down a payment plan and sticking to it is crucial to maximizing the offer. You must pay at least the minimum due.

Expert advice on choosing a 0% balance transfer card

A balance transfer card is an effective tool to help you pay off debt, but you’ll want to consider key details before putting in an application. To help guide you on choosing a balance transfer credit card that fits your unique financial situation, consider the following questions:

How to choose a balance transfer credit card

Beware of issuer limitations with balance transfers.

Keep in mind that you won’t be able to transfer your balance from one card to another card from the same issuer. For example, you can’t transfer a balance from one Citi credit card to another Citi card. When you compare your card options, look for cards from issuers you don’t have an account with.

Take note of the transfer timeline

A good balance transfer card will let you make transfers within a generous window of time after the opening of your account. Some common balance transfer windows are 60, 90 or 120 days. Consider this timeframe when choosing your card and make sure you transfer your balance on time. Otherwise, you may have to wait for a promotional offer from the issuer or look at another card.

Know the balance transfer fee

The difference between a 3 percent balance transfer fee and a 5 percent balance transfer fee could be significant, depending on the amount you transfer. If you want to save money, take a closer look at cards with 3 percent balance transfer fees. If the amount you transfer is relatively small, a 5 percent balance transfer fee may still be a reasonable option.

Don’t forget about intro offers on purchases

Not all balance transfer cards provide an intro APR offer for new purchases. Keep this in mind if you plan to use the card for both new purchases and a balance transfer. Depending on the cardholder agreement, some issuers may charge interest on new purchases if you’re carrying any balance, including from a balance transfer.

Measure the time you need to pay off your balance

You’ll want to choose a card with an intro APR offer period that matches how much time you reasonably need to pay off your balance. The best balance transfer cards offer a 0 percent intro APR on transfers for 18 to 21 months, but a shorter time frame can still be a good choice, depending on the balance.  

Look at interest rates after the intro offer ends

Know what the card’s APR is after the introductory period ends. Interest rates vary widely and knowing exactly what you're signing up for is helpful if you need to occasionally carry a balance beyond the intro period.

Decide if long-term value is a top priority

Most balance transfer cards trade top-notch card features for a lengthy intro APR period. Some may offer general benefits like purchase protection and identity theft protection services, but a few of the best also earn rewards or provide additional discounts or savings on purchases.

Learn more: Should you choose a longer balance transfer offer or a shorter offer with rewards?

Here’s how a Bankrate expert chose her balance transfer card

When Bankrate writer Seychelle Thomas chose a balance transfer card to help her pay off debt, she prioritized one card detail over others: the 0 percent intro APR length on her transfer.

When I was trying to pay off credit card debt as a freelancer two years ago, I compared balance transfer options and chose to go with the Citi Simplicity® Card . My main priority was finding the longest intro APR period. The Citi Simplicity beat most other options and made it easy for me to pay down my balance on schedule without destroying my fluctuating budget at the time. Keeping fees to a minimum was next on my list, because every little bit counts when you're paying off debt. When I compared it to the Citi® Diamond Preferred® Card (a card with a similar offer) I noticed that the Citi Simplicity had no late fees, a lower balance transfer fee as an intro offer and no penalty APR rate. That was a no-brainer for me. The only other advantages of the Diamond Preferred were the FICO score access and Citi Entertainment, but I didn't find them valuable because I had other cards that offered similar features. — Seychelle Thomas, Writer, Credit Cards

What people say about balance transfer credit cards

Bankrate keeps a pulse on how people react to the latest trends in the credit card world and breaks down how everyone can best prepare their finances for these market changes.

The current bulk of online and social media conversation revolves around optimizing credit card reward and sign-up bonus strategies like usual, but inflation rates, snowballing card balances and sky-high APRs certainly seems to affect the discussion around balance transfer cards.

Using balance transfer cards vs. alternatives

Consumers now seem more torn about using a 0 percent intro APR card to handle debt. For example, a Reddit user had $9,000 in credit card debt that they could pay off with emergency savings. However, they asked the community whether a balance transfer card would be a better idea since they were worried about potential emergencies. Both solutions quickly gained traction in the thread: one user suggested a balance transfer card, but another recommended using an emergency fund.

“If you can avoid using the 0 percent APR as an opportunity to take on more debt, it’s probably a good idea,” one user commented in favor of balance transfer cards. “[T]aking the balance transfer offer would probably save you money unless you pay off your current card in less than three months.”

But another user pointed out that savings accounts don’t accumulate interest as fast as credit cards do, so paying off the debt with an emergency fund may be the better option.

Both options are valid and have their advantages and drawbacks if you’re in a similar dilemma. A balance transfer card could protect your savings, but a financial emergency could derail your payment plan. Paying off the balance with your savings immediately gets you out of debt, but any unexpected expenses could risk you getting into credit card debt again.

In another example, a myFICO Forum user recently asked for advice for handling lingering debt after a balance transfer. Many other users advised them to stick to a strict budget and stop using credit cards altogether. Finding a credit card debt payoff plan that works for you is the best approach if you catch your card balance snowballing before it’s unmanageable. An issuer’s credit card hardship program may help pay off debt if you qualify, but some of these repayment plans may still allow interest to accrue. As some of myFICO Forum users mentioned, getting an installment loan from a bank to pay off your credit card debt could save you money on interest, but these can be risky options if you don’t adjust your spending habits.

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

In the face of a tougher economic landscape, driven in part by inflation and Federal Reserve rate increases in 2023, issuers may be tightening credit card approval requirements.

According to Bankrate’s proprietary data , approval rates for balance transfer cards decreased overall for applicants in the back half of 2023 — regardless of credit score. Among Bankrate users who applied for a balance transfer card, approval rates fell 17 percent from August to December 2023 . 

Although your approval odds for a card depend on your credit profile, these trends suggest that getting your hands on a balance transfer card may be harder now than it once was .

Here’s how balance transfer credit card approval rates for Bankrate users declined in the last few months of 2023.

If you’re unsure of your approval odds for a card you’re interested in, consider checking whether you can get preapproved for cards with different issuers or use tools like Bankrate’s CardMatch to get a better idea of your chances. Exploring preapproval odds before putting in an application could save your credit score a hit. If getting out of high-interest debt is a priority and you can’t get a balance transfer card, debt consolidation may be your best option. The average interest rates on these loans are much lower than credit card interest rates, so you could still benefit from some savings while paying off high-interest debt.

How much money could you save with a 0% balance transfer?

A 0 percent intro APR offer could save you several hundred dollars if you're paying down a large balance. 

Experian’s most recent data shows that the average credit card balance reached $6,501 in the third quarter of 2023. We’ve set up a scenario based on this average, where you would transfer a credit card balance of $6,501 based on the following conditions:

• Balance transfer fee : You would pay the 3 percent to 5 percent balance transfer fee upfront. 
• Intro offer : You would pay off the $6,501 balance within the intro offer period for each card.
• Interest and savings : We calculate potential savings with each card by comparing how much interest you would pay on your current card at 20 percent APR (approximately the current average interest rate), minus the balance transfer fee.

In the news: Americans are choosing fun over savings

In the two years post-pandemic, Americans seem to be doing their best to compensate for lost travel and live events. A recent Bankrate survey found that around 38 percent of American adults say they’re willing to go into debt for fun activities, including travel, dining and entertainment. 27 percent are willing to take on debt to travel, 14 percent will carry debt for dining out and 13 percent will go into debt for entertainment. While there are variations depending on household income, age and parenthood, it generally ranges between 37 and 43 percent of people.

While many may be willing to take on debt temporarily, the longer you carry a balance on a card with a high interest rate, the more debt you’ll face. As rates remain high, completing a balance transfer could be one of the most helpful ways to manage your debt and save as much as possible on interest charges.

Frequently asked questions about balance transfer credit cards

Who can qualify for a balance transfer.

Some of the best balance transfer cards require good to excellent credit (FICO score of 670 – 850) to qualify. Even more, last year, credit lenders reported tightening their approval standards , meaning it may be more difficult to qualify for a certain card now. If your credit isn't up to par yet, you may be able to find secured credit cards that allow balance transfers, but they probably won't have 0 percent intro APR offers. 

What credit card has the longest balance transfer offer?

Currently, the Wells Fargo Reflect, Citi Diamond Preferred and Citi Simplicity cards offer some of the longest intro APR periods. Although any temporary break from credit card APR is beneficial, a longer intro offer will give you the best opportunity to pay off your transferred balance. 

Do balance transfers hurt your credit score?

A few factors could cause you to experience a temporary dip in your credit score after you complete a balance transfer. Applying for a new credit card usually involves a hard inquiry, and opening a new card shortens your average account age. Also, if you apply for many new accounts in a short time or close an account as soon as you transfer a balance, these actions could negatively affect your score. However, your credit score won't be as affected if you pay down the balance on time every month and keep your debt-to-credit ratio low overall. 

Read more: How does a balance transfer affect your credit score?

How do you do a balance transfer?

To complete a balance transfer, you’d need to complete the following: 

• Apply for a balance transfer credit card and get approved
• Initiate a transfer to your new balance transfer card through your online account with your new issuer
• Wait for verification that the transfer is complete
• Set your payment plan in motion

Learn more: How to do a balance transfer

Can you transfer a balance multiple times?

Is there a limit to how much you can transfer.

Your transfer limit is usually equal to or less than your credit limit. For example, if an issuer approves you for a credit limit of $5,000, you can transfer up to the same amount with most issuers. However, your credit limit and the balance transfer policies of your specific issuer will determine the amount you can transfer.

Read more : What is the limit for a balance transfer card?

Ask the experts: What is the biggest mistake people make with balance transfers?

Thomas Nitzsche

Stephanie Zito

Erica Sandberg

Financial Educator, Debt and Credit

As a credit counselor, there are two big mistakes I see people make with balance transfers. First, they transfer the balance and then only make the minimum payment. As a result, when the promotional rate ends they are stuck with a high interest rate again and they often cycle from one balance transfer to the next, paying a fee each time and often not making any real progress on paying down the balance. Secondly, much like when taking out a debt consolidation loan, people often transfer the balance and then either continue to accrue debt on the previous account or put new charges on the balance transfer account, resulting in more debt and a high interest rate paid on those new charges.

Contributor, Personal Finance

Often people transfer card balances to take advantage of a 0 percent intro APR offer, but then they’re surprised by the much higher APR they’re hit with at the end of the introductory period. You must understand the rules of each individual card when you’re making a balance transfer and know that 0 percent doesn’t mean $0. Be sure to check for transfer fees or limits, and always understand what is going to happen if you don’t pay off the transfer within the bank’s designated time frame.

Contributor, Credit Cards

Balance transfer cards can save people who have expensive, overwhelming debt so much money on interest fees. But you have to consider your overall financial picture and commit to paying the transferred balance off and not adding new debt. By far the biggest mistake people make is running up a balance on the old card again. Then, if they don’t pay the transferred balance off before the intro rate reverts to the regular rate, they’re really in trouble. To make balance transfer credit cards work in your favor, you absolutely have to be committed to the process.

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author’s alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.

What is a balance transfer fee?

Editor's Note

If you're conducting your first balance transfer , you might not know that there's generally a fee attached. Unsurprisingly, we call this a balance transfer fee.

A balance transfer fee tends to be 3% to 5% of the total amount transferred. There are some restrictions on balance transfers, such as an amount limit. Also, same-issuer transfers — for example, transferring debt on one Citi card to another Citi card — generally aren't allowed.

But how do credit card balance transfer fees work, and what do you need to know about them before conducting a transfer? Here's your complete guide.

How does a balance transfer fee work?

Balance transfer fees typically come out to 3% to 5% of the total amount you transfer and usually have a minimum fee of $5 to $10. The fee is charged by the issuer you're transferring the debt to.

Since the entire point of a balance transfer is to save money with lower interest rates, you'll want to weigh the amount you'd be saving on interest versus the amount you'd be paying in transfer fees whenever you're considering a balance transfer.

There are a number of balance transfer credit cards with a 0% introductory transfer fee , which can also come alongside a 0% introductory annual percentage rate and other perks. Unless you get a card with benefits like this, you'll want to ensure your theoretical balance transfer will save you money at the end of the day.

What would be a good balance transfer fee?

The cost of a balance transfer fee varies based on the terms set by your credit card company and the amount of debt you transfer. Typically, this fee ranges from 3% to 5%, depending on the issuer.

While 3% is on the lower end of typical transfer fees (aside from an introductory 0% offer), it all depends on the amount you're paying in transfer fees versus the amount you'd pay in interest if you didn't transfer the debt. While balance transfers are typically less than whatever amount of interest you'd pay on a card, it's not always a guarantee that that's the case.

Can you avoid balance transfer fees?

The most reliable way to avoid balance transfer fees is to check if there are any balance transfer cards available that completely waive the fee. Alternatively, you may find cards offering introductory balance transfer fee promotions.

It's important to note that the $0 transfer fee may apply only within a specific period. So, it is crucial to read the terms carefully and determine when you need to request the balance transfers for the offer to be valid. Typically, this window falls within the first few months after receiving the card.

Bottom line

When conducting your first balance transfer , it's possible to be unaware of the accompanying 3% to 5% fee. Balance transfers can be a useful way to save money on your next high-interest payment , but you'll want to make sure it makes financial sense to pay the transfer fee instead of the interest on your original card.

Learn more about the best balance transfer cards on the market here .

Related: The pros and cons of balance transfer credit cards

Personal Finance

What is a balance transfer & how does it work.

If you're having trouble paying off credit card debt, a balance transfer credit card might help. Many credit cards offer promotional interest rates as low as 0% on balance transfers, which can help you pay down your debt without racking up more interest. However, you'll likely pay a 3% to 5% balance transfer fee, and the card's regular annual percentage rate (APR) will kick in when the introductory period ends.

Here's what you need to know about balance transfers to help you decide if one is right for you.

What is a balance transfer credit card?

A balance transfer moves debt from one credit card to another with a lower interest rate. Most balance transfer credit cards offer 0% APR during an introductory period typically lasting between 12 and 21 months. During that time, you pay zero interest on transfers—so every dollar of your payment goes toward paying down the balance.

You can transfer more than credit card debt, depending on the credit card issuer. For example, Capital One lets you transfer balances from auto, personal, and student loans, too. Transferring multiple balances is possible if you stay under your balance transfer limit. You can usually transfer up to 90% of your credit limit (which is based on your income, credit score, current debt, and other factors).

Balance transfer fees

In most cases, you'll pay a balance transfer fee to shift balances to the new card (the amount is added to the new card's balance). The fee is typically 3% to 5% of each balance you transfer, with a fixed minimum fee, such as $5 or $10. Some cards have zero balance transfer fees, but the cards with the longest promotional periods usually have fees.

How much can you save with a balance transfer?

Credit card balances can increase quickly on cards with high APRs because interest accrues daily. At the end of each day, the card issuer calculates your daily interest (APR ÷ 365 days) and adds it to your balance for the next day. In other words, the interest you accrue one day is added to the next day's balance, and so on. Transferring a high-interest card balance to a 0% card can save you significant money.

Here's an example. Say you have a $5,000 balance on a card that charges 20% interest, and you pay a $100 minimum monthly payment. If you stick to the minimum payment and don't make any new purchases, paying off the balance will take 109 months, and you'll pay $5,840 in total interest. (You can use an online credit card payoff calculator like this one to try different scenarios.)c

Now assume you transfer the $5,000 balance to a card offering a 0% APR for 21 months. If you pay the same $100 a month, your balance will be $2,900 at the end of the introductory period. From there, it will take an additional 40 months to pay off the balance completely, and you'll pay $1,095 in interest—$4,745 less than if you kept the balance on your high-interest card.

Of course, you can avoid interest altogether if your budget permits you to make larger monthly payments. In this example, you could pay off the entire $5,000 balance in 21 months by paying $238 ($5,000 ÷ 21) every month. This strategy is the best way to take advantage of a balance transfer credit card.

How does a balance transfer work?

While the process varies by credit card issuer, here are the basic steps for completing a balance transfer.

1. Apply for a balance transfer credit card

The best balance transfer credit cards offer an introductory 0% APR, a long promotional period, low or zero balance transfer fees, and no annual fees .

2. Request a balance transfer

You can usually initiate a balance transfer when you apply for a card. Otherwise, request one via the new card issuer's online portal or by phone. You may also have the option to use a convenience check your new credit card issuer provides. Make sure to confirm that it will count as a balance transfer (not a cash advance) at the interest rate you expect.

3. Confirm that the transfer goes through

It can take several weeks for your new credit card issuer to pay off your existing card or loan (read the fine print to know what to expect for your card). In the meantime, keep up with the minimum payments on the existing account until you confirm the balance has been transferred in full. That way, you can avoid any surprise interest charges and late fees on your current card.

4. Pay off your balance

Even though you have a 0% APR, you're still responsible for making the required minimum payments on time every month. You could lose the introductory interest rate if you make a late payment or miss one. Consider setting up autopay to ensure you make on-time payments. If your budget allows, pay enough each month to zero out the balance before the promotional period ends to avoid paying interest.

Balance transfer cards to consider

Numerous credit card issuers offer balance transfer cards. Here are a few to consider:

• card_name : intro_apr_rate,intro_apr_duration on purchases and balance transfers, balance_transfer_fees In addition, annual_fees See Rates & Fees .
• card_name : intro_apr_rate,intro_apr_duration and balance transfers, balance_transfer_fees balance transfer fee, and annual_fees annual fee.
• card_name : intro_apr_rate,intro_apr_duration on purchases and balance transfers, balance_transfer_fees balance transfer fee, and annual_fees annual fee.

Should you do a balance transfer?

Balance transfers can be an excellent way to tackle debt. Still, it's important to weigh the pros and cons before deciding whether a balance transfer credit card is right for you.

Pros of balance transfer credit cards

• Save money on interest . Low and 0% interest can save you hundreds or even thousands of dollars. You can save the most by paying off the balance before the promotional period ends.
• Pay off your debt faster . No interest accrues during the introductory period, so every bit of your payment applies to the principal—meaning you can pay down your balance sooner and with less effort.
• Consolidate your monthly payments . You can move multiple balances to a balance transfer credit card, so you have fewer payments to keep track of.

Cons of balance transfer credit cards

• Balance transfer fees . Most balance transfers incur a balance transfer fee equal to 3% to 5% of the amount you transfer, with a minimum of $5 to $10. For example, the fee to transfer $5,000 would be between $150 and $300.
• Low rates don't last forever. After the introductory period ends, the card's regular interest rate kicks in. That means any remaining balance will be subject to a higher interest rate.
• You could rack up more debt . Having another credit card at your disposal can be tempting and worsen your financial situation. The best approach is to avoid using the card for purchases until you fully pay off the transferred balances.

What are the alternatives to consolidate debt?

If you're not sure a balance transfer is right for you—or you don't qualify for the best terms—you might consider a personal or student loan.

H3: Personal loans

A personal loan is an installment loan that lets you borrow a set amount of money and then make fixed monthly payments until you pay off the loan. It can be a good option for financing a large purchase or consolidating high-interest debt.

Traditional banks, credit unions, and online lenders like Upgrade and Upstart offer personal loans. However, be aware that interest rates can be high, depending on your credit score and other factors. Building your credit score can help you qualify for the best personal loan rates .

Student loans

Online lenders like Ascent offer private loans to help undergraduate and graduate students pay for higher education costs. These loans can be helpful if you need more funding than federal student loans provide .

Many private lenders extend larger loans (up to the full cost of attendance), and you may have a choice of repayment terms. While interest rates can be higher than other college funding options, you may qualify for competitive rates with excellent credit.

TIME Stamp: Making the most of a balance transfer

According to a recent Bankrate survey , more than a third (35%) of U.S. consumers carry credit debt from month to month. Of those, 43% say they don't know the interest rate they're paying. That's worrisome, considering the average APR for credit cards accruing interest as of Feb. 2023 ( the most recent report ) is 20.92%—the highest since the Federal Reserve began tracking rates in 1994.

The primary benefits of using a balance transfer credit card are saving money and getting rid of debt faster. Using the new card to make purchases will only increase your total interest and prolong the time it takes to pay off the balance. To make the most of your balance transfer credit card, avoid making new purchases and pay off your balance before the promotional APR ends.

For rates and fees of the card_name , please visit this URL .

Frequently asked questions (FAQs)

How does a balance transfer affect my credit score.

A balance transfer can both hurt and help your credit score.

Applying for a new card triggers a hard inquiry, which can ding your credit score temporarily. However, having an extra card means you have access to more credit, which lowers your credit utilization ratio (the amount of credit you have versus the amount you use). The lower your credit utilization ratio, the better in terms of your credit score. Still, this only works if you use the balance transfer credit card to pay down debt—not add to it.

What happens if I don't pay the balance before the promotional period ends?

After the promotional period ends, the card's regular interest rate kicks in and applies to any remaining balance.

How long does a balance transfer take?

A balance transfer can take several weeks to go through. Continue making minimum payments on your existing accounts until you confirm the transfer is complete to avoid surprise interest charges or fees.

Can I still use my credit card after a balance transfer?

You can continue using your existing credit card even if you transfer the entire balance. You don't need to close the account—and doing so could actually hurt your credit score by increasing your credit utilization ratio.

Does a balance transfer mean I can skip payments?

When you transfer a balance, you're still required to make minimum monthly payments. You could lose the promotional APR if you skip payments or miss the deadline. In that case, any remaining balance would be subject to the card's regular interest rate.

The information presented here is created independently from the TIME editorial staff. To learn more, see our About page.

CCS (Joining Time) Rules

In exercise of the powers conferred by the proviso to Article 309 and Clause (5) of Article 148 of the Constitution and after consultation with the Comptroller and Auditor-General in relation to persons serving in the Indian Audit and Accounts Department, the President hereby makes the following rules, namely:–

1. Preliminary

(1) These rules may be called the Central Civil Services (Joining Time) Rules, 1979.

(2) They shall come into force on the date of issue of this Notification and shall apply to transfers effected on/or after that date

(3) These rules shall apply to all Government servants appointed in Civil Services and posts under the Central Government including work-charged staff but shall not apply to—

(a) Railway employees.

(b) Armed Forces Personnel and those paid from the Defence Services Estimates.

(c) Government servants engaged on contact and those who are not in whole-time employment of Government.

(a)  Government servants, paid out of contingencies.

2. (1) When a Government servant to whom these rules apply is transferred to the control of another Government or organization, which has made separate rules prescribing amount of joining time, his Joining Time for the journey to join his post under that Government/organization and for the return journey, will be governed by those rules, unless different provisions are expressly made in the terms of deputation/foreign service by mutual agreement between the lending and borrowing authorities.

(2) The Joining Time of railway employees, Armed Forces Personnel and those paid from Defence Services Estimates and the employees of State Government or any other organization who are appointed to Civil Services and takes effect from the 8th May, J L and posts under the Central Government on deputation or on foreign service basis, shall, for joining the Civil Services and posts under the Central Government and for the return journeys, be regulated in accordance with these rules, unless different provisions are expressly made in their respective terms, of deputation/foreign service, by mutual agreement between the lending and borrowing authorities.

1  GI, Dept of Per. Sr_ A.R.,  Notification No. 21011/2/79-Allowances Unit, dated the  8th May, 1979, published in the Gazette of India, dated the 19th May, 1979

3. Definitions

Unless there is something repugnant in the subject or context, the terms defined in these rules are used in these rules in the sense hereinafter explained—

(a) “Department of Government of India” means a Ministry or Department of the Central Government as notified from time to time and any other authority which exercises the powers of a Department/Ministry of the Government of India.

In respect of the persons serving in the Indian Audit and Accounts Department, the Comptroller and Auditor-General of India shall exercise the same powers as the Ministries/Departments of Government of India, under these rules. ]

(b) “Head of Department” means the authority declared as such under the Delegation of Financial Powers Rules, 1978. In the case of the Indian Audit and Accounts Department, Head of Department means the authority declared as such by the Comptroller and Auditor-General of India.

(c) “Joining Time” means time allowed to a  Government servant in which to join a new post or to travel to a station to which he is posted.

(d) “Transfer” means the movement of a Government servant from one post to another either within the same station or to another station to take up duties of a new post or in consequences of change of his headquarters.

4. Joining Time

(I) Joining time shall be granted to a Government servant on transfer in public interest to enable him to join the new post either at the same or a new station. No joining time is admissible in cases of temporary transfer for a period not exceeding 180 days. Only the actual transit time, as admissible in case of journeys on tour, may be allowed.

. Inserted by G.I., M.H.A., Dept. of Per. & A.R., Notification No.1 9011/2/82-Allowances, dated the 27th December, 1982. Published in the Gazette of India, dated the 29th January, 1983.

(2) The surplus staff transferred from one post to another under the Scheme Regulating Redeployment of Surplus Staff shall be eligible for joining time.

(3) Government servants who are discharged due to reduction of establishment from one Central Government office and reappointed to another Central Government office shall be entitled to joining time, if the orders of appointment to the new post are received by them while working in the old post. If they are appointed to the new post after being discharged from the old post, the period of break may be converted into joining time without pay by the Head of Department, provided that the break does not exceed 30 days and the Government servant has rendered not less than 3 years continuous service on the date of his discharge.

(4) For appointment to posts under the Central Government on the results of a competitive examination and/or interview open to Government servants and others, Central Government employees and permanent/provisionally permanent State Government employees will be entitled to joining time under these rules. But temporary employees of the Central Government who have

not completed 3 years of regular continuous service, though entitled to joining time would not be entitled to joining time pay.

5. (1) The joining time shall commence from the dale of relinquishment of charge of the old post if the charge is made over in the forenoon or the following date if the charge is made over in the afternoon.

(2) The joining time shah be calculated from old headquarters in all cases including .where a Government servant receives his transfer orders or makes over charge of the old post in a place other than his old headquarters, or where the headquarters of a Government servant while on tour is changed to the our station itself or where his temporary transfer is converted into permanent transfer.

(3) Not more than one day’s joining time shall be allowed to a Government servant to join a new post within the same station or which does not involve a change of residence from one station to another, For this purpose, the term ‘same station’ will be interpreted to mean the area falling within the jurisdiction of the municipality or corporation including such of suburban municipalities, notified areas or cantonments as are contiguous to the named municipality. etc.

(4) In cases involving transfer from one station to another and also involving change of residence, the Government servant shall be allowed joining time with reference to the distance between the old headquarters and the new headquarters by direct route and ordinary mode(s) of travel as indicated in the following schedule. When holiday(s) follow(s) joining time, the normal joining time may be deemed to have been extended to cover such holiday(s).

NOTE.— Distance means actual distance and not weighted mileage for which fare is charged by the Railways in certain ghat/hill sections.

(5) Extension of joining time beyond the limits indicated in Rule 5 (4) can be granted up to the maximum limit of 30 days by the Head of Department and beyond 30 days by the Department of the Government of India, the guiding principle being that the total period of joining time should be approximately equal to 8 days for preparation plus reasonable transit time plus holidays, if any, following the extended joining time. While computing the transit time, allowance could be made for the time unavoidably spent due to disruption of transport arrangements caused by strike or natural calamities, or the period spent awaiting the departure of the steamer.

6; (1) When a Government servant joins a new post without availing full joining time by reasons that—

(a)he is ordered to join the new post at a new place of posting without availing of full joining time to which he is entitled; or

(b) he proceeds alone to the new place of posting and joins the post without availing full joining time and takes his family later within the Permissible period of time for claiming Travelling Allowance for the family; the number of days of joining time admissible under sub-rule (4) of Rule 5 of the Central Civil Services (Joining Time) Rules, 1979, subject to a maximum of 15 days reduced by the number of days of joining time actually availed of shall be credited to his leave account as earned leave:

Provided that the earned leave at his credit together with the un-availed joining time allowed to be so credited shall not exceed 240 –  days.

(2) Joining time may be combined with vacation and/or regular leave of any kind or duration except casual leave.

1 . Substituted  vide by GA., Ministry of Per. , P.G. & P., Notification No. 19011/12/86-Estt. (Allow.), dated the 10th March, 1989, published as GSR 197, in the Gazette of India, dated the 25th March, 1989.

2. Now 300 days with effect from 1-7-1997 vide Rule 26 of COS (Leave) Rules, 1972.

(3) If a Government servant in transit on transfer is directed to proceed to a place different from that indicated in the initial transfer orders, he shall be entitled to joining time already availed of up to the date of receipt of revised orders plies fresh spell of full joining time from the date following the date of receipt of the revised orders. The fresh spell of joining time in such cases shall be calculated from the place, at which he received the revised orders as if he is transferred from that place.

7. Joining Time pay

A Government servant on joining time shall be regarded as on duty during that period and shall be entitled to be paid joining time pay equal to the pay which was drawn before relinquishment of charge in the old post. He will also be entitled to Dearness Allowance, if any, appropriate to the joining time pay.

In addition, he can also draw compensatory allowances like House Rent Allowance as applicable to the old station from which he was transferred. He shall not be allowed Conveyance Allowance or permanent Travelling Allowance.

8. Miscellaneous

Where any Ministry/Department of Government of India is satisfied that the operation of any of these rules causes undue hardship to any particular case, that Ministry or Department of the Government of India may by order, for reasons to be recorded in writing, dispense with or relax the requirement of that rule to such extent and subject to such exceptions and conditions as it may consider necessary for dealing with the case in a just and equitable manner, provided that no such order shall be made except with the concurrence of the Ministry of Home Affairs, Department of Personnel and Administrative Reforms.

9. If any doubt arises as to the interpretation of these rules, it shall be referred to the Government of India, Ministry of Home Affairs, Department of Personnel and Administrative Reforms.

10. All rules and instructions on the subject of joining time in force immediately before commencement of these rules and applicable to Government servants to whom these rules apply, are hereby repealed.

GOVERNMENT OF INDIA’S ORDERS

(1)   Transit Time / Joining Time to cover journey from / to a remote locality while proceeding on/or returning from leave.— With the promulgation of the Central Civil Services (Joining Time) Rules, 1979, certain provisions of FRs and SRs and Government Orders thereunder relating to transit time /joining time admissible to Government servants to cover journeys from ‘ to a remote locality while proceeding on/or returning from leave or on transfer became inoperative. As regards joining time to remote localities on transfer, no difficulty was anticipated because Heads of Departments could allow joining time under Rule 5 (5) of the CCS (Joining Time) Rules, 1979. As regards joining time to remote localities during leave, it was proposed to make suitable provisions in the Central Civil Services (Leave) Rules. Pending amendment to the Leave Rules, some administrative instructions were issued vide  this Department’s Office Memorandum No. 21011/12/79-Allowances, dated the 16th November, 1979 and No. 19011/30/81-Allowances, dated the 13th October, 1981  (not printed).  Since revision of the Leave Rules has not been finalized, the following administrative instructions are issued in supersession of those Office Memorandums to cover cases of journey to/from remote localities while on leave:—

(i)  A Government servant proceeding on leave from/to a place in the remote locality mentioned in Column 1 of the Annexure to this OM or returning from leave to/from the said place shall be entitled, once in a calendar year, to transit time each way to cover the period spent in journey between the said remote locality and the specified station at the scale prescribed in Column 3 of that Annexure.

(ii)  The concession is also admissible, while on leave, to a Government servant—

(a) who is domiciled in any part of India other than the remote locality concerned and has been specifically recruited from outside for service in remote locality, and

(b) who, though not specially recruited outside the Union Territory of the Andaman and Nicobar Islands or the Union Territory of the Lakshadweep, as the case may be, for service in the respective Union Territory, is domiciled in any part of India other than the Union Territory concerned.

(iii)  A Government servant domiciled in the Union Territory of Andaman and Nicobar Islands or the Union Territory of Lakshadweep and proceeding on leave to his home town in another Island of the Union Territory concerned, shall be entitled, once in a calendar year, to transit time to cover the period spent in journey by sea to the island in which his home town is located and vice versa while returning from leave. The transit time thus admissible shall be the actual number of days taken in the journey by sea subject to a maximum of seven days for each journey.

(iv) Where the outward journey falls in one calendar year and the return journey falls in the succeeding calendar year, the concession shall be counted against the calendar year in which the leave commences. In calculating transit time, holidays falling before or at the end of it shall be excluded while those failing during transit time shall be included.

 (v) and  A Government servant domiciled in the Union Territory d Nicobar islands or the Union Territory of Lakshadweep and re  of Andaman service in the respective territory, when posted for service on mainland in  recruited for public interest shall be entitled to joining time, once a year, while proceeding  to and returning from the U1110/1 and Lakshadweep on leave.  Territories of Andaman & Nicobar Islands

(vi)A Government servant, domiciled in any part of India other than Union Territory of Andaman and Nicobar Islands or the Union Territory of Lakshadweep and recruited whether within or outside that Union Territory for service there, while proceeding on leave from his post in one island in that Union Territory to his home to on island in that Union Territory, shall the mainland to join his post in another scale as provided in Para. 1 (1) above.  be entitled to joining time on the same his leave outside the Union T 2. When a Central Govenment servant posted in the remote areas spends  the journey time from the place in the remote area to the specified station indicated in the Annexure and vice versa will be treated as free joining time if admissible under this Office Memo-random and in addition, the remaining journey time if any, in excess of 2 days Ministry, O.M. No.  could be allowed as free joining time under the provisions of Finance 20014/3/83-E. IV, dated the 14th December, 1983. See Appendix-9.)

[ G.I., M.H.A., D.P. & A.R., O.M. No. I9011/30/8]-Estt. (Allowances), dated the 17th September, 1984]

Wherever a situation arises for transfer, it should be affected only if the earlier work has been completed and there is no hope to restart or continue the old work. A compensation should be continued to the employee being transferred with higher post and other incentives if the transfer is from the management side and in the interior areas and other than his/her home / town. If forced for transfer, the compensation should be as per the individual will with all facilities asked by him/her. The new post can be filled by new employee as in our country, most of the people are unemployed.

I am Central govt employee,having technical qualifications & posted as srTA ,can i be tranfer to non technical post.

whether the joining time will be calculate as unavailed joining time if the official was gone on leave immediate after the releavining.

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Top stories

Tesla Extends FSD Transfer Period for "One More Period"

Tesla has been reticent to allow owners to transfer Full Self-Driving (FSD) tech to a new vehicle, but that stance appears to be softening. CEO Elon Musk recently confirmed that the automaker would allow owners to transfer FSD to a new purchase for “one more quarter.”

As Electrek pointed out, some Tesla owners have been through several vehicles without full FSD functionality, leading to questions about why they have been required to pay for new tech without receiving the full experience. FSD has been in beta for years and only recently entered the “Supervised” stage, so many have never received the tech they thought they were paying for.

The FSD transfer issue has been an ongoing topic of conversation for Tesla, but the automaker has taken other measures to boost buyer demand. Tesla recently cut FSD pricing by a significant amount, making it more affordable to buy outright and less expensive on a monthly basis.

That said, FSD does not actually make a Tesla autonomous. Drivers still need to be aware of their surroundings and be able to take control at any time. The automaker’s “autonomous” driving systems are under scrutiny for their driver monitoring functionality, and many drivers have made it clear that they plan to abuse the tech. While the company has made changes to account for the shortcomings, FSD and Tesla Autopilot remain “over-branded,” which could lead to more unsafe behavior going forward.

[Images: Tesla]

Become a TTAC insider. Get the latest news, features, TTAC takes, and everything else that gets to the truth about cars first by   subscribing to our newsletter .

Chris grew up in, under, and around cars, but took the long way around to becoming an automotive writer. After a career in technology consulting and a trip through business school, Chris began writing about the automotive industry as a way to reconnect with his passion and get behind the wheel of a new car every week. He focuses on taking complex industry stories and making them digestible by any reader. Just don’t expect him to stay away from high-mileage Porsches.

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CCS RULES-JOINING TIME

Ccs (joining time) rules.

   In exercise of the powers conferred by the proviso to Article 309 and Clause (5) of Article 148 of the Constitution and after consultation with the Comptroller and Auditor-General in relation to persons serving in the Indian Audit and Accounts Department, the President hereby makes the following rules, namely:—

1. Preliminary

   (1) These rules may be called the Central Civil Services (Joining Time) Rules, 1979.

   (2) They shall come into force on the date of issue of this Notification and shall apply to transfers effected on/or after that date.

   (3) These rules shall apply to all Government servants appointed in Civil Services and posts under the Central Government including work-charged staff but shall not apply to –

      (a) Railway employees,      (b) Armed Forces Personnel and those paid from the Defence Services Estimates,     (c) Government servants engaged on contract and those who are not in whole-time employment of Government.      (d) Government servants, paid out of contingencies.

2.(1) When a Government servant to whom these rules apply is transferred to the control of another Government or organization, which has made separate rules prescribing amount of joining time, his Joining Time for the journey o join his post under that Government /organization and for the return journey, will be governed by those rules, unless different provisions are expressly made in the terms of deputation/foreign service by mutual agreement between the lending and borrowing authorities.

   (2) The Joining Time of railway employees, Armed Forces Personnel and those paid from Defence Services Estimates and the employees of State Government or any other organization who are appointed to Civil Services and posts under the Central Government on deputation or on foreign service basis, shall, for joining the Civil Services and posts under the Central Government and for the return journeys, be regulated in accordance with these rules, unless different provisions are expressly made in their respective terms, of deputation/foreign service, by mutual agreement between the lending and borrowing authorities.

3. Definitions

   Unless there is Something repugnant in the subject or context, the terms defined in these rules are used in these rules in the sense hereinafter explained:-

   (a) “Department of Government of India” means a Ministiy or Department of the Central Government as notified from time to time and any other authority which exercises the powers of a Department/Ministry of the Government of India.

[ In respect of the persons serving in the Indian Audit and Accounts Department, the Comptroller and Auditor-General of India shall exercise the same powers as the Ministries/Departments of Government of India, under these rules. ]

   (b) “Head of Department” means the authority declared as such under the Delegation of Financial Powers Rules, 1978. In the case of the Indian Audit and Accounts Department, Head of Department means the authority declared as such by the Comptroller and Auditor-General of India.

   (c) “Joining Time” means time allowed to a Government servant in which to join a new post or to travel to a Station to which he is posted.

   (d) “Transfer” means the movement of a Government servant from one post to another either within the same Station or to another station to take up duties of a new post or in consequences of change of his headquarters.

4. Joining Time

   (1) Joining time shall be granted to a Government servant on transfer in public interest to enable him to join the new post either at the same or a new station. No joining time is admissible in cases of temporary transfer for a period not exceeding 180 days. Only the actual transit time, as admissible in case of journeys on tour, may be allowed.

   (2) The surplus staff transferred from one post to another under the Scheme Regulating Redeployment of Surplus Staff shall be eligible for joining time.

   (3) Government servants who are discharged due to reduction of establishment from one Central Government office and reappointed to another Central Government office shall be entitled to joining time, if the orders of appointment to the new post are received by them while working in the old post. If they are appointed to the new post after being discharged from the old post, the period of break may be converted into joining time without pay by the Head of Department, provided that the break does not exceed 30 days and the Government servant has rendered not less than 3 years continuous service on the date of his discharge.

   (4) For appointment to posts under the Central Government on the results of a competitive examination and/or interview open to Government servants and others, Central Government employees and permanent/provisionally permanent State Government employees will be entitled to joining time under these rules. But temporary employees of the Central Government who have not completed 3 years of regular continuous service, though entitled to joining time would not be entitled to joining time pay.

   5. (1) The joining time shall commence from the date of relinquishment of charge of the old post if the charge is made over in the forenoon or the following date if the charge is made over in the afternoon.

   (2) The joining time shall be calculated from old headquarters in all cases including where a Government servant receives his transfer orders or makes over charge of the old post in a place other than his old headquarters, or where the headquarters of a Government servant while on tour is changed to the tour station itself or where his temporary transfer is converted into permanent transfer.

   (3) Not more than one day’s joining time shall be allowed to a Government Servant to join a new post within the same station or which does not involve a change of residence from one station to another. For this purpose, the term ‘same station’ will be interpreted to mean the area falling within the jurisdiction of the municipality or corporation including such of suburban municipalities. notified areas or cantonments as are contiguous to the named municipality. etc.

   (4) In cases involving transfer from one Station to another and also involving change of residence, the Government servant shall be allowed joining time with reference to the distance between the old headquarters and the new headquarters by direct route and ordinary mode(s) of travel as indicated in the following schedule. When holiday(s) follow(s) joining time, the normal joining time may be deemed to have been extended to cover such holiday(s).

NOTE.— Distance means actual distance and not weighted mileage for which fare is charged by the Railways in certain ghat/hill sections.

   (5) Extension of joining time beyond the limits indicated in Rule 5 (4) can be granted up to the maximum limit of 30 days by the Head of Department and beyond 30 days by the Department of the Government of India, the guiding principle being that the total period of joining time should be approximately equal to 8 days for preparation plus reasonable transit time plus holidays, if any, following the extended joining time. While computing the transit time, allowance could be made for the time unavoidably spent due to disruption of transport arrangements caused by strike or natural calamities, or the period spent awaiting the departure of the steamer.

   6. (1) When a Government servant joins a new post without availing full joining time by reasons that:-

   (a) he is ordered to join the new post at a new place of posting without availing of full joining time to which he is entitled; or

   (b) he proceeds alone to the new place of posting and joins the post without availing full joining time and takes his family later within the permissible period of time for claiming Travelling Allowance for the family;

   the number of days of joining time admissible under sub-rule (4) of Rule 5 of the Central Civil Services (Joining Time) Rules, 1979, subject to a maximum of 15 days reduced by the number of days of joining time actually availed of shall be credited to his leave account as earned leave:

   Provided that the earned leave at his credit together with the unavailed joining time allowed to be so credited shall not exceed 240 days.

   (2) Joining time may be combined with vacation and/or regular leave of any kind or duration except casual leave.

   (3) If a Government servant in transit on transfer is directed to proceed to a place different from that indicated in the initial transfer orders, he shall be entitled to joining time already availed of up to the date of receipt of revised orders plus fresh spell of full joining time from the date following the date of receipt of the revised orders. The fresh spell of joining time in such cases shall be calculated from the place, at which he received the revised orders as if he is transférred from that place.

7. Joining Time pay

   A Government servant on joining time shall be regarded as on duty during that period and shall be entitled to be paid joining time pay equal to the pay which was drawn before relinquishment of charge in the old post. He will also be entitled to Dearness Allowance, if any, appropriate to the joining time pay. In addition, he can also draw compensatory allowances like House Rent Allowance as applicable to the old station from which he was transferred. He shall not be allowed Conveyance Allowance or permanent Travelling Allowance.

8. Miscellaneous

   Where any Ministry / Department of Government of India is satisfied that the operation of any of these rules causes undue hardship to any particular case, that Ministry or Department of the Government of India may by order, for reasons to be recorded in writing, dispense with or relax the requirement of that rule to such extent and subject to such exceptions and conditions as it may consider necessary for dealing with the case in a just and equitable manner, provided that no such order shall be made except with the concurrence of the Ministry of Home Affairs, Department of Personnel and Administrative Reforms.

   9. If any doubt arises as to the interpretation of these rules, it shall be referred to the Government of India, Ministry of Home Affairs, Department of Personnel and Administrative Reforms.

   10. All rules and instructions on the subject of joining time in force immediately before commencement of these rules and applicable to Government servants to whom these rules apply, are hereby repealed.

GOVERNMENT OF INDIA’S ORDERS

   (1) Transit Time /Joining Time to cover journey from / to a remote locality while proceeding on/or returning from leave.— With the promulgation of the Central Civil Services (Joining Time) Rules, 1979, certain provisions of FRs and SRs and Government Orders thereunder relating to transit time / joining time admissible to Government servants to cover journeys from to a remote locality while proceeding on/or returning from leave or on transfer became inoperative. As regards joining time to remote localities on transfer, no difficulty was anticipated because Heads of Departments could allow joining time under Rule 5 (5) of the CCS (Joining Time) Rules, 1979. As regards joining time to remote localities during leave, it was proposed to make suitable provisions in the Central Civil Services (Leave) Rules. Pending amendment to the Leave Rules, some administrative instructions were issued vide this Department’s Office Memorandum No. 21011/12/79-Allowances, dated the 16th November, 1979 and No. 19011/30/81-Allowances, dated the 13th October, 1981 (not printed). Since revision of the Leave Rules has not been finalized, the following administrative instructions are issued in supersession of those Office Memorandums to cover cases of journey to/from remote localities while on leave:-

   (i) A Government servant proceeding on leave from/to a place in the remote locality mentioned in Column 1 of the Annexure to this OM or returning from leave to/from the said place shall be entitled, once in a calendar year, to transit time each way to cover the period spent in journey between the said remote locality and the specified station at the scale prescribed in Column 3 of that Annexure.

   (ii) The concession is also admissible, while on leave, to a Government servant

   (a) who is domiciled in any part of India other than the remote locality concerned and has been specifically recruited from outside for service in remote locality, and

   (b) who, though not specially recruited outside the Union Territory of the Andaman and Nicobar Islands or the Union Territory of the Lakshadweep, as the case may be, for service in the respective Union Territory, is domiciled in any part of India other than the Union Territory concerned.

   (iii) A Government servant domiciled in the Union Territory of Andaman and Nicobar Islands or the Union Territory of Lakshadweep and proceeding on leave to his home town in another Island of the Union Territory concerned, shall be entitled, once in a calendar year, to transit time to cover the period spent in journey by sea to the island in which his home town is located and vice versa while returning from leave. The transit time thus admissible shall be the actual number of days taken in the journey by sea subject to a maximum of seven days for each journey.

   (iv) Where the outward journey falls in one calendar year and the return journey falls in the succeeding calendar year, the concession shall be counted against the calendar year in which the leave commences. In calculating transit time, holidays falling before or at the end of it shall be excluded while those falling during transit time shall be included.

   (v) A Government servant domiciled in the Union Territory of Andaman and Nicobar islands or the Union Territory of Lakshadweep and recruited for service in the respective territory, when posted for service on mainland in public interest shall be entitled joining time, once a year, while proceeding to and returning from the Union Territories of Andaman & Nicobar islands and Lakshadweep on leave.

   (vi) A Government servant, domiciled in any part of India other than Union Territory of Andaman and Nicobar Islands or the Union Territory of Lakshadweep and recruited whether within or outside that Union Territory for service there, while proceeding on leave from his post in one island in that Union Territory to his home town on the mainland to join his post in another island in that Union Territory shall be entitled to joining time on the same scale as provided in Para. I (i) above.

   2. When a Central Government servant posted in the remote areas spends his leave Outside the Union Territory, the journey time from the place in the remote area to the Specified Station indicated in the Annexure and vice versa will be treated as free joining time if admissible under this Office Memorandum and in addition, the remaining journey time if any, in excess of 2 days could be allowed as free joining time under the provisions of Finance Ministry O.M. No. 20014/3/83.E IV, dated the 14th December, 1983. (See Appendix- 9)

Source – DOPT

ORIGINAL COPY -http://circulars.nic.in/WriteReadData/CircularPortal/D2/D02est/CCS-01082012.pdf

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My Journey to JWU: Tyler Miles '28

• Annie Kennedy
• 13 June 2024

Welcome to Tyler Miles, who will join us this fall to study graphic design . Here’s a bit of background about this SkillsUSA champ who won a scholarship to Johnson & Wales University.

What is your hometown?

Although born in Connecticut, I have experienced the latter half of my youth in Burrillville, a quiet town in the northwest corner of Rhode Island. Although off the beaten path for most, Burrillville has built a reputation for its beautiful nature scenes throughout our surprisingly expansive town.

How did you get interested in graphic design? Can you talk about something you’ve created, or a style you like to use?

Art, design and creativity have always played an integral part in my story; for as long as I can remember I have experimented with every medium of self-expression through art. My love for graphic design as I know it today truly stems from my love of music and how musicians collaborate with designers to create breathtaking visuals that tell moving stories of love, loss and everything in between.

It has been this bridge that drives me to expand my creative horizons every day, from working with a small indie artist to develop his first merch collection to shooting for the stars and creating concept designs for pop icons like Lady Gaga. I strive to explore every facet of myself and how that ultimately transcends into meaningful design.

How did you get involved in SkillsUSA? What was it like to compete against other students?

I have been involved in SkillsUSA since my freshmen year of high school. I truly owe my participation to my former advisor and mentor, JWU alumnus Brooke Gatchell ‘20. It was her enthusiasm for all this organization has to offer that inspired me to pursue higher leadership and help serve as an advocate for career and technical education.

Competing in SkillsUSA Rhode Island’s Advertising Design competition has been a transformative experience. Utilizing crucial design skills in real-world scenarios promotes creative problem-solving, as myself and peers designed advertisements for tangible clients. This unique experience yielded me the gold medal.

Last year you became national vice president for SkillsUSA. What has that leadership experience entailed?

Over the past year, I have been both privileged and honored to serve as the SkillsUSA national high school vice president. This once-in-a-lifetime experience has allowed me to travel across the country as I advocate for career and technical education and empower the next generation of skilled workers. From Rhode Island to Washington, D.C., to Houston, Texas, and back, I have worked to support and train SkillsUSA’s 400,000+ members, advocate for legislation on capitol hill and empower our up-and-coming workforce.

I hope to continue my journey of advocacy and leadership as I help guide JWU’s own SkillsUSA chapter into a new era full of burgeoning opportunity and visibility.

What are some of your other hobbies?

I love art of all forms from design to photography. I strive to explore art forms in which I can express my perspective on the world in new and innovative ways.

Additionally, I love to attend concerts and live shows of all sorts. One of my favorite concerts I have had the privilege of attending was Taylor Swift’s Eras Tour; she is a perfect example of self-expression through both verbal and visual artistry that ignites ambition within my inner creative.

How did you hear about JWU’s National Student Organization scholarship application? What did it feel like to learn that you won?

I heard about the scholarship through my mentor, Brooke Gatchell. As a JWU alum herself, she was aware of JWU’s immense support and partnership with student organizations such as SkillsUSA.

Getting the call informing me that I had been awarded this full-tuition scholarship was surreal and a true honor. Receiving this scholarship will allow me the space to pursue meaningful and enriching creative experiences free of the burden of college tuition.

Tell us how you first heard of JWU. Why did you choose our Graphic Design program?

My mother is a JWU alum, but I was first introduced to Johnson & Wales in person through their partnership with SkillsUSA Rhode Island, as the organization hosts our annual Fall Leadership Conference on JWU’s Harborside campus. I chose JWU’s Graphic Design program with ease and pride.

Attending a JWU Open House as a junior in high school, I was struck by JWU’s career-oriented curriculum and genuine staff members, which quickly made it stand out as a top contender in my college search.

What were your first impressions of JWU?

I was impressed with the school's diversity of studies and attention to detail in all its programs. From culinary to graphic design JWUs state-of-the-art facilities, caring faculty and unique presentation left an indelible impression after my first visit.

What are you most looking forward to experiencing at JWU?

I look forward to meeting new people from all over the world, expanding my creative and design expertise through hands-on experiences, and living out my college career in the beautiful city of Providence.

Do you have a dream job or goal in mind for after JWU?

As music has played such an integral role in my life, I aim to work with musical artists to aid in developing and actualizing their vision in a visual form factor. Graphic Designers at record labels like UMG, Columbia and beyond help shape how listeners and viewers visually digest a record through mediums like merchandise, album covers and music videos. As artists embark on tours, they express themselves and their music in a whole new way through live performance, and I dream of continuing to help them tell their stories through photography and design as they share their albums with fans all over the world.

Who has helped you in your college journey?

Although there are so many individuals who have supported me throughout my high school career and transition into post-secondary education, my mom has been a constant supporter, advocate and source of encouragement. She has always challenged me to empower my potential, celebrate my success and help me overcome seemingly impossible challenges. Her active role in my life has been instrumental in shaping the young man I am today.

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