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There are a wide range of credit cards available that come along with not only rewards, but balance transfer promotions, which typically provide new card holders with 0% APR for balance transfers and/or purchases. These zero or low APR offers typically last for 6 months to a year. With these no and low APR deals its a good idea to pay down your balance so you don't get hit with a high payment when the promotional offer is over. You can also go with a card that offers a low interest rate, depending upon which deal is more lucrative for you.

When taking a balance transfer offer, there is usually a fee for going with this offer. In general they are usually 3%, so its a good idea to do the math to know how much you are paying, and to take a look at the fine print, so you know the ins and outs of the offer. But even with these fees you can save money with these offers. When you have the new card in hand you can make the transfer, and cancel your DSW card if you like.