I need a credit card to transfer my balances, about... - Balance Transfers Questions


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Credit Card Applications » Questions » User Questions » Balance Transfers » I need a credit card to transfer my balances, about $2,000 on one card and $1,700 on the other....

I need a credit card to transfer my balances, about $2,000 on one card and $1,700 on the other. I was offered a card by Community First Credit Union but it has 4.9% APR on balance transfers, but I was looking something with 0 APR. Do you have such card?

Answered on | Updated on July 28th, 2016
The content is accurate at the time of publication and is subject to change.

There are a lot credit cards with 0% intro APR on balance transfers out there. You can choose a card with a suitable introductory period. But remember, once the introductory interest rate is over, an ongoing interest rate will apply. As a rule, the ongoing APR is determined by the issuer based on a cardholder’s creditworthiness. If you are unable to pay off the transferred balance by the end of the introductory period, the ongoing rate will apply to the remaining balance only. Also, note that most balance transfer credit cards come with a balance transfer fee which is usually around 3% of each balance transfer.

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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