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balance transfer CREDIT
CARDS
When you have too much debt on one or several credit cards with high interest, it may be challenging to make all monthly payments. In this case, you may want to pay off part or all of your debt. The easiest way to do that is to transfer that high-interest debt to a credit card with 0% intro APR on balance transfers. There are many balance transfer credit card options but note that not all credit card issuers offer zero interest on balance transfers. For example, you can choose the Chase Freedom Unlimited℠ Credit Card, but are you sure it is the best option? Here we compare different 0% promotional credit cards to find the best one.
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credit card WITH REWARDS
2021
GREAT BONUS OFFER
Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
GOOD REWARDS
- The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
- Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
” Expert's opinion
This no annual fee credit card offers a 0% intro APR on balance transfers and on purchases - a great option for those who want to pay off some debt or make a big purchase. The balance transfer is not free, though. Still, oftentimes it's cheaper to pay a balance transfer fee than pay high interest. The introductory period is given for slightly more than one year - which is quite enough to reduce your debt. Plus, the card has a rewards program, so you can keep it when you pay off the transferred balance.
How to put a rewards
credit card TO
GOOD USE
If you intend to keep the new balance transfer credit card after all debt is paid off, you may want that card to have a rewards program. Many balance transfer credit cards offer rewards and welcome bonuses in addition to promotional rates. However, remember that if you are planning to make purchases on the new card while paying off the transferred balance, you may be charged interest for those purchases. So you can either pay off the purchase balance in full each month, or get a balance transfer credit card that has 0% intro APR on purchases too. This way, it will be easier for you to pay off your debt and potentially qualify for a bonus offer.
Intro APR on Bal.Tr.: 0% (18 months on Balance Transfers)
Ongoing APR: Up to 29.99% (Variable)
Today it's hard to find a no balance transfer fee credit card. Still, it's usually cheaper to pay a balance transfer fee than to pay interest. The balance transfer fee ranges from 3% to 5%, so make sure you keep it low when choosing a balance transfer credit card. The new balance transfer fee credit card may also charge some other fees, like an annual fee. Ideally, you would prefer a no annual fee credit card. Luckily, there are good credit card options out there that offer both 0% intro APR on balance transfers and a $0 annual fee.
Annual Fee: $0
Balance Transfer Fee: 3% of each balance transfer; $5 minimum
Intro 0% APR on balance transfers can help you get rid of your debt and save money. Credit cards can offer 6, 9, 12, 14, 15, 18, 20 or 21 months of introductory 0% APR on balance transfers. So you can basically find a credit card with the most comfortable introductory period for you. Just remember that most balance transfer credit cards charge a balance transfer fee, so take this into account as well when you look for a credit card to transfer some debt. Also, pay attention to what interest rate you are to expect after that introductory period ends. When the promo period ends, you will be charged a go-to APR, but you can avoid that too by paying the entire balance in full every month.
Intro APR on Bal.Tr.: 0% (18 months on Balance Transfers)
Ongoing APR: Up to 29.99% (Variable)
comments ABOUT
BALANCE TRANSFER CREDIT CARDS
I am thinking of getting the Chase Freedom unlimited credit card for balance transfer. The fact is: it offers only 12 months of 0% period. How can I make it longer?
There is no way to make Chase extend your 0% intro period on balance transfers. But you can simply choose a credit card with better terms. You may find many credit cards with...
Read moreI've found that Chase Freedom offers 5% cash back in selected categories each quarter. Are there any similar offers?
You are right, Chase Freedom credit card offers 5% cash back on up to $1,500 in combined purchases in bonus categories like gas stations, grocery stores and other each quarter you activate. It is not the only credit...
Read moreWhat is balance transfer and how to go about it?
Balance transfer is a scheme that saves you from paying extra interest on your outstanding balance. It helps you to clear your debts in a much faster and efficient way, when you have your interest rates holding you...
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