Balance Transfer

SAVE 1.9-18.0 % annually with these Credit Cards! Are you tired of your old credit card company lifting their APR higher this year? Why don't you check theese low APR credit cards? They offer intro and ongoing low APR for new openings and balance transfers and you can start saving today! We offer 0% Balance Transfer Credit Cards and Credit cards with Fixed Low APR on Balance Transfers!

Balance Transfer Cards with low APR Online Applications 30 second decision

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Before you transfer that hefty credit card balance to a card with a super-low introductory rate, read the fine print and ask questions.

Reasons to Transfer Balances:

- Start paying off a larger portion of your balance each month, not just the interest, with your new low rate.
- Consolidate your bills into one account. Most credit cards offering balance transfers will provide you with 3 or 4 checks to pay off your current accounts. Make sure you transfer the balance of the most costly card first. This may not necessarily be the card you hold with the highest interest rate.
- Did you know that you can transfer a balance of a friend or spouse onto your new card to help them reduce their debt? Once you receive your new card and transfer checks, make one out to your friend or spouse's account thereby giving them your new low rate.

First, ask these questions:

- How long does the introductory rate last?
- What is the card's annual percentage rate after that teaser rate expires?
- Does the teaser rate apply to transferred balances or new purchases or both?
- Does that card have an annual fee?
- What about late fees and over-the-limit fees?
- Ask if there are balance-transfer fees.
- Am I still better off if there is a transfer fee?

Once You Have That New Card:

- Don't just pay the minimums. Now that you have your new low rate, you can make REAL progress on getting your balance back down to zero.
- You can send a payment to your credit card company at any time, you don't have to wait for the monthly statement. Don't be late on your payments, or you could lose that low APR you just got.
- Check your balance on your old credit card. You may have a credit from the balance transfer process. Call them and request the check be sent to you. Then apply it towards your credit card balance.
- Remember not to get yourself too deep in credit card debt again.

Featured 0% Balance Transfer Credit Cards

Blue Cash(R) from American Express

0% intro APR on purchases for 6 months and no annual fee
Flexibility to pay over time
Get up to 5% cash back on everyday purchases at supermarkets, gas stations and drug stores
Choose your cash back reward: Enjoy the flexibility of redeeming your cash back rewards for statement credits, gift cards and a wide array of merchandise anytime.

Credit Needed	Annual Fee	Balance Transfer	Intro APR	Ongoing	Issuer
Excellent*	No Annual Fee	Yes	0% on Purchases for 6 months	17.24%-21.24% Variable	American Express

Blue Sky from American Express(SM)

0% intro APR on purchases for 6 months and no annual fee
Flexibility to pay over time
Turn purchases into free travel: Enjoy travel rewards with no travel restrictions or blackout dates - get points for flights on any airline, stays at any hotel, and car rentals with any company

Credit Needed	Annual Fee	Balance Transfer	Intro APR	Ongoing	Issuer
Excellent*	No Annual Fee	Yes	0% on Purchases for 6 months	17.24%-21.24% Variable	American Express

Platinum Delta SkyMiles(R) Credit Card from American Express

Earn 20,000 bonus SkyMiles(R) (including 5,000 Medallion Qualification Miles) after first purchase and another 2,500 for adding an Additional Cardmember
Earn one companion Coach Class ticket each year upon renewal
Earn at least 1 mile for every eligible dollar spent
Miles never expire and there is no cap on the miles you can earn
Pay with Miles: Pay for all or part of your flight with miles - and put the rest on your Card
Express Approval. Get a decision in less than 60 seconds.
Check your first bag free on every Delta flight

Credit Needed	Annual Fee	Balance Transfer	Intro APR	Ongoing	Issuer
Excellent*	$150 per year	Yes	None	14.5% variable	American Express

American Express (R) Gold Card

Earn 10,000 Membership Rewards(R) bonus points when you spend $500 in your first 3 months of Card membership - redeemable for select gift cards valued at $100!
The Membership Rewards program - Turn your everyday purchases into Membership Rewards points, and then redeem them for an amazing collection of travel, shopping, dining and entertainment rewards.
Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.
Express Approval. Get a decision in 60 seconds.

Credit Needed	Annual Fee	Balance Transfer	Intro APR	Ongoing	Issuer
Excellent*	$125 annual fee	N/A	N/A	N/A	American Express

Starwood Preferred Guest(R) Credit Card from American Express

Earn up to 25,000 Starpoints (SM) - enough for two free nights at the Westin St. Francis in San Francisco, the W Boston or any other category 5 hotel.
Redeem Starpoints (R) for free nights at over 1,000 hotels and resorts in nearly 100 countries and for free flights on over 350 airlines - all with no blackout dates.
No annual fee for the first year and $65 thereafter.
Stay 2 nights and get the 3rd night free at participating Sheraton (R) Hotels and Resorts worldwide.
Earn 4 to 5 Starpoints for every dollar you spend at Starwood Preferred Guest Hotels and Resorts.
Smarter Travel Editor's Choice Award for Best Travel Awards Card for Domestic Use.

Credit Needed	Annual Fee	Balance Transfer	Intro APR	Ongoing	Issuer
Excellent*	No annual fee for the first year - $65 thereafter	Yes	2.90% on Purchases and Balance Transfers for 6 months	15.24% variable	American Express

The Platinum Card(R) from American Express

Earn 25,000 Membership Rewards(R) bonus points when you spend $1,000 in your first 3 months of Card membership - redeemable for one domestic round-trip Coach-Class airline ticket!
Airport Club Access: Access airport lounges around the world, compliments of Airport Club Access Program.
24-Hour Concierge Service: From buying gifts to making reservations, the Platinum Card(R) Concierge is at your service so you can spend your energy doing what you want.
FINE HOTELS & RESORTS: Receive special amenities and comforts when staying at more than 600 boutique, resort and luxury hotels around the world.

Credit Needed	Annual Fee	Balance Transfer	Intro APR	Ongoing	Issuer
Excellent*	$450 annual fee	N/A	N/A	N/A	American Express

True Earnings(R) Card from Costco and American Express

Earn cash back on gas and a $25 statement credit with your first purchase made with the Card.
Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
No Annual Fee with your paid Costco Membership
The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
No Limit on the Cash Back earned

Credit Needed	Annual Fee	Balance Transfer	Intro APR	Ongoing	Issuer
Excellent*	No Annual Fee with your paid Costco Membership	Yes	0% on Purchases for 6 months	15.24% variable	American Express

Zync from American Express(SM)

Earn 10,000 Membership Rewards® points after first purchase.
Enjoy a low annual fee of just $25 for Basic Card
Pay no interest - that's because you pay in full each month
Choose the Lifestyle Packs you want to customize your Card with the benefits you use most
Protect eligible purchases with Purchase Protection and Extended Warranty
Earn Membership Rewards(R) points with every eligible purchase - redeem points for travel, shopping, and great entertainment rewards

Credit Needed	Annual Fee	Balance Transfer	Intro APR	Ongoing	Issuer
Excellent*	$25 annual fee	N/A	N/A [You must pay your balance in full each month]	N/A [You must pay your balance in full each month]	American Express