I currently have a sizeable balance on my Z Gallerie... - Cash Back Rewards Questions


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Credit Card Applications » Questions » User Questions » Cash Back Rewards » I currently have a sizeable balance on my Z Gallerie credit card. I’m considering getting...

I currently have a sizeable balance on my Z Gallerie credit card. I’m considering getting another card and transferring my balance to that card. Which card should I get?

Answered on | Updated on November 19th, 2016
The content is accurate at the time of publication and is subject to change.

General credit cards often have lower interest rates than store cards. If you transfer your balance to the right card, you could potentially save a lot of money. Look for a card that allows balance transfers and that does not charge a transfer fee. While those fees are typically only 3%, they can add up fast, particularly if you’re transferring a large sum.
Many credit cards offer an introductory 0% APR for balance transfers. With an offer like that, you’ll be able to pay down the balance more quickly because you won’t have to pay for interest. Introductory offers don’t last forever, though. Check the regular APR for the card to make sure you won’t be hit with huge costs if you don’t pay off the balance before the intro offer expires.
You should have several options for cards with no transfer fees, 0% intro APR and reasonable standard interest rates. Among those options, choose the one that fits your needs the best. If you can, consider a rewards card so you’ll earn points for your everyday spending.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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