I have a DSW Credit Card and I’m looking to... - Balance Transfers Questions


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Credit Card Applications » Questions » User Questions » Balance Transfers » I have a DSW Credit Card and I’m looking to move my balance to another credit card and...

I have a DSW Credit Card and I’m looking to move my balance to another credit card and then cancel my card. I have good credit, and I am wondering what card you would suggest.

Answered on | Updated on March 25th, 2016
The content is accurate at the time of publication and is subject to change.

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.

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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Intro APR on Balance Transfer: 0% 12 months on Balance Transfers

Ongoing APR on Balance Transfer: 15.74% - 25.74% (Variable)

Balance Transfer Fee: 3% of each balance transfer; $5 minimum.

Excellent, Good Credit

Intro APR on Balance Transfer: 0% (first 12 billing cycles following each balance transfer that posts to your account within 45 days of account opening)

Ongoing APR on Balance Transfer: 18.24%, 22.24% or 25.24% variable based on your creditworthiness

Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater

Good/Excellent Credit
See Rates & Fees

Intro APR on Balance Transfer: 0% Intro APR for 12 months

Ongoing APR on Balance Transfer: Variable APR of 15.24%, 19.24% or 25.24%

Balance Transfer Fee: Either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check

Good, Excellent Credit
See Rates & Fees

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