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There are a variety of cards these days offering balance transfers, which come with low or no APR promotions, so that is the good news. The best way to find a card that works for you and comes with a balance transfer offer is to look at what other rewards and benefits come with the card. For instance, if you're interested in travel, you might want to check out a general rewards cards that lets you earn miles or points that can be redeemed for flights, hotel stays, and rental cars.

Once you find a card you like that has a balance transfer offer on the table, check out the fee that comes along with it. Generally the fee is about 3%. Also read the fine print for the offer and the card so you know exactly what your signing up for. When all of that is done you can apply, and once approved transfer your balance from Comenity Blair to your new card.