Saturday, February 04, 2012

Balance Transfer Credit Cards

Balance Transfer Credit CardsThe following balance transfer credit cards are designed to help people to consolidate their credit card debt onto one card with low interest rate, thus saving money on interest charges. Many balance transfer credit card offers below feature a low introductory 0% APR interest rate on credit card balance transfers for up to 12 months.

10 Balance Transfer Credit Cards Available. Displaying Offers 1 - 10:

  • 0% Intro APR on balance transfers and purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.*
  • Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
  • Citi® Identity Theft Solutions
  • No annual fee*
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
0% for 18 Months 0% for 18 Months 11.99-21.99% (Variable)* $0.00* Yes* Excellent Credit*

  • Limited Time Offer - $0 Balance Transfer Fee!*
  • 0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 19.99%*
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
  • Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
  • 24/7 access to a U.S.-based Account Manager within 60 seconds
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
0% for 12 Months 0% for 12 Months 10.99% - 19.99% (Variable)* $0* Yes* Excellent Credit*

  • 0% Intro APR on balance transfers and purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.*
  • Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
  • Citi® Identity Theft Solutions
  • No annual fee*
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
0% for 18 Months 0% for 18 Months 11.99-21.99% (Variable)* $0.00* Yes* Excellent Credit*

  • 0% intro APR until May 2013 on balance transfers
  • 0% intro APR until May 2013 on purchases
  • No annual fee
  • $0 Fraud Liability if your card is lost or stolen
  • 24-hour travel & emergency assistance gives you a replacement card and cash advance
  • 24-hour roadside assistance
  • Travel accident insurance
  • Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
0% until May 2013* 0% until May 2013* 10.9% - 18.9% (V)* None* Yes* Excellent Credit*

  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based upon your creditworthiness.*
  • 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more
  • Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass®
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
0% for 18 Months 0% for 18 Months 11.99-21.99% (Variable)* $0.00* Yes* Excellent Credit*

  • $100 Bonus after you spend $500 in the first 3 months
  • 50% bonus on the cash back you earn every year
  • 1% cash back on all purchases
  • No annual fee
  • Earn unlimited cash rewards that don't expire
  • Redeem cash rewards anytime for any amount, even set up automatic redemption
  • Personalize your card with an image of your choice
  • 0% intro APR on purchases and balance transfers until February 2013*
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
0% until February 2013* 0% until February 2013* 12.9% - 20.9% (V)* $0 Yes* Excellent Credit*

  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • Peace of mind through direct access to a service representative, no late fees and no penalty rate
  • No annual fee
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
0% for 18 Months 0% for 18 Months 12.99-21.99% (Variable)* $0.00* Yes* Excellent Credit*

  • 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Discover is ranked #1 in customer loyalty--15 years in row! (2011 Brand Keys Customer Loyalty Engagement Index report)
  • 24/7 access to a U.S.-based Account Manager within 60 seconds
  • $0 Fraud Liability plus automatic mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
0% for 6 Months 0% for 18 Months 10.99% - 20.99% (Variable)* $0* Yes* Excellent Credit*

  • $150 in gift cards - When you redeem the 15,000 bonus ThankYou® Points received after $1,000 in purchases within 3 months of account opening
  • 5 ThankYou Points for every $1 spent on purchases at gas stations, supermarkets and drugstores for 12 months and 1 point for every $1 spent thereafter and for all other purchases*
  • Enjoy no limit on the number of points you can earn
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • No annual fee*
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
N/A N/A 12.99%-22.99%* (Variable) $0* Yes* Excellent

  • $100 cash back after $500 in purchases within the first 3 months of account opening
  • 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment.
  • Each quarter, you can enroll to earn additional cash back in popular categories.
  • Full 1% cash back on all other purchases and eligible cash advances.
  • No annual fee*
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
0% for 12 Months 0% for 12 Months 12.99%-22.99%* (Variable) $0* Yes* Excellent Credit*

 

Save Money with 0% Balance Transfer Cards

Getting a 0% balance transfer card that doesn charge any interest during the introductory period can boost your finances in several important ways:

  • No interest credit cards allow you to consolidate high-interest debt. You can use money from 0 balance transfer cards to pay off debts from higher interest cards. Some credit card applications may also have special offers of low interest rates on balance transfers made with the application.
  • No interest credit cards can give your budget a cash infusion. If you have unusually high expenditures or need extra cash, a 0 APR credit card can help tide you over until your income catches up. Many 0 interest credit cards will even transfer money directly to your bank account or send you a check.
  • No interest credit cards can help you make purchases earlier. A 0 APR credit card gives you the option to make large purchases earlier than you otherwise could.

Many 0 APR credit cards also offer low interest, cash back, rewards, or frequent flyer miles.

Getting the Most Out of 0% Balance Transfer Cards

To get the most out of your 0 APR credit card, read the terms and conditions carefully before you sign up. For all balance transfer cards, the 0% introductory rate will expire after a designated period. Make sure you know exactly when that period ends by reading the terms of the balance transfer, so you don't get hit unexpectedly with a high interest rate that will undermine your savings.

Also be sure you are aware of what the transaction fee is for each balance transfer. In some cases there is no fee, and that will be indicated in the card benefits or terms and conditions. Otherwise it is usually capped at $50 - $75 per transfer. Many credit cards consider convenience checks as balance transfers, but the money can go into your checking account instead of paying off another credit card. Again, make sure you are aware of the 0% interest period for the convenience checks and the transfer fee.

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FAQs
Tips & Advice
Glossary
  • APR - Acronym for Annual Percentage Rate. The yearly percentage rate of the finance charge.
  • Intro APR - A low interest rate offered for a limited time, usually for the first 6 to 12 months.
  • Regular APR - A fixed yearly percentage rate of the finance charge.
  • Balance Transfer - The act of transferring the whole or partial balance of one card to another card.
  • Annual Fee - A fee charged by the card issuer for being a card holder.
More Terms