If you want to initiate a balance transfer to save money on credit card interest, you have to compare balance transfer offers. There are so many to choose from though. Where should you even start? Rather than comparing every single balance transfer credit card side by side, we’re going to help you out. Today we’re going to share our top five picks for balance transfer cards, and tell you exactly what highlights set them apart from the competition.

Here they are — our top five picks for the best deals in balance transfers (current as of the published date):

1. Citibank Clear Platinum Credit Card

The Citibank Clear Platinum credit card scores the number one spot on our list because it not only offers you 0% interest on your balance transfer for six months, but also 0% interest on purchases for those six months. Even with credit limits of up to $60,000, the card carries a low $85 annual fee. Low interest. Low balance transfer rates. Low annual fee. What more could you possibly want from a credit card?

2. Citibank Emirates Platinum Credit Card

Citibank does it again! Their Emirates Platinum credit card doesn’t offer a 0% introductory rate on balance transfers like their Clear Platinum card does, but it has a somewhat unique feature of its own. The low balance transfer rate of 4.9% doesn’t expire in six months. It doesn’t even expire in twelve months. It doesn’t expire at all! That’s right. You don’t have to worry about paying off your balance transfer in just a few months before you’re slammed with a high interest rate like with some other balance transfer cards. You can enjoy the 4.9% APR for the life of your balance transfer. The fact that you can earn frequent flyer points on purchases doesn’t exactly hurt either.

3. Aussie Credit Card

While the offer might not be quite as impressive as Citibank Clear Platinum’s 0% on purchases and balance transfers, it’s pretty close. The Aussie credit card is one of very few that gives you an extremely low interest rate on purchases in addition to balance transfer benefits. In this card’s case you’ll enjoy a 2.9% APR on both purchases and balance transfers for six months. The low $49 annual fee sweetens the deal, but what really makes this credit card a winner is that even when your introductory purchase rate expires you’ll still enjoy a reasonably low 11.49% APR on new purchases.

4. ANZ Low Rate MasterCard

When you’re looking to start a balance transfer, there isn’t much better than getting 0% interest for a while. That’s what you’ll get with the ANZ Low Rate MasterCard — 0% interest on balance transfers for six months. So why does it make our list when you can get similar deals elsewhere on your transfer? That 0% balance transfer rate is combined not only with a low annual fee of only $58 but also a low regular purchase rate of just 11.99%.

5. St. George Vertigo Credit Card

Like the Aussie credit card, the St. George Vertigo card offers you a 2.9% APR on balance transfers. It might not be as nice as 0%, but it makes the cut because it’s another gem combining a low balance transfer rate, low purchase rate (11.24%) and a low annual fee ($55). This card was even awarded “Australia’s Cheapest Balance Transfer Credit Card” for 2009 by Money magazine.

There’s no need to spend hours on end digging through the basic details of dozens of balance transfer credit cards. We’ve narrowed down some of the top balance transfer deals above so you can get to the nitty gritty of it all, comparing the specifics to find the best balance transfer deal for you.