With good credit history, you will find a lot of credit cards with balance transfer options. But before you apply for any of the offers, make sure your credit score is above 670 and you do not have recent bad items on your reports. Then think whether you are going to keep your new balance transfer credit card or you are going to close it when the transferred balance is paid off. In the first case, you can consider balance transfer credit cards with rewards that do not have an annual fee. In the second case, you may prefer credit cards without rewards and fees. However, whichever card you choose, chances are you will have to pay a balance transfer fee of 3% (the average fee among all balance transfer offers). But even if you pay this fee, you will still save a lot on balance transfer, as long as you pay off the balance within the introductory period.
BALANCE TRANSFER CREDIT CARDS:
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.
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
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