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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.
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Featured 0% Balance Transfer Credit Cards
| Discover® More® Card |
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Intro APR: 0%
Issuer: Discover®
5% Cashback Bonus ®* in categories that change like travel, home improvement stores, department stores, gas, groceries, restaurants and many more
5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
Up to 1% Cashback Bonus on all other purchases automatically
Unlimited cash rewards
Turn your Cashback Bonus into bigger rewards everytime when you redeem for gift cards from over 100 brand-name Partners
No Annual Fee
Online Account Access
Online Bill Payment
Complete Fraud Protection for Your Peace of Mind
$0 Fraud Liability Guarantee
Advanced fraud early warning alerts
Secure online account numbers
Fraud specialists dedicated to helping you 24/7
Customer Service That Puts You First
One call, we take care of it
Talk to a knowledgeable person in less than a minute
Easy online Account options that put you in control
Timely e-mails to help you avoid fees
*View Discover® Card Rates, Fees, Rewards and Other Important Information.
More info
Apply for Discover® More® Card |
| Discover® Student Card |
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Intro APR: 0%
Issuer: Discover®
Make your money worth MoreSM*
5% Cashback Bonus® in categories like travel, home improvement stores, department stores, gas, restaurants, pet stores and many more
Up to 1% unlimited Cashback Bonus® on all other purchases
5% to 20% Cashback Bonus® through our exclusive online shopping site
Customer Service in less than a minute, anytime you want
*View Discover® Card Rates, Fees, Rewards and Other Important Information.
More info
Apply for Discover® Student Card |
| American Express® Preferred Rewards Gold Card |
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Intro APR: n/a
Issuer: American Express
Earn 10,000 Membership Rewards(R) bonus points when you spend $500 in 3 months - redeemable for a $100 gift card!
The Membership Rewards(R) program - Earn 1 Membership Rewards(R) point for virtually every dollar you spend and redeem for your choice of travel, shopping, 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 less than 60 seconds.
More info
Apply for American Express® Preferred Rewards Gold Card |
| Starwood Preferred Guest® Credit Card from American Express |
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Intro APR: 2.9%
Issuer: American Express
Earn up to 25,000 Starpoints (R) - enough for up to 6 free nights at a category 1 or 2 hotel.
Use Starpoints(R) for free nights and upgrades at participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates
No annual fee for the first year and $45 thereafter
Transfer Starpoints(R) - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines
Earn one Starpoint(R) for every dollar you spend and double Starpoints(R) at participating Starwood properties and retail partners
Express Approval. Get a decision in less than 60 seconds.
More info
Apply for Starwood Preferred Guest® Credit Card from American Express |
| Delta Reserve Credit Card |
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Intro APR: None
Issuer: American Express
Annual First-Class companion certificate, which can be used for a First-Class or Coach-Class ticket!
Earn up to 10,000 Medallion(R) Qualification Miles (MQMs) after your first purchase
Built-in Miles BoostSM - earn up to 30,000 MQMs and 30,000 bonus miles
Complimentary Crown Room Club(R) access for you and two guests
Access to American Express(R) Concierge Services
Pay with Miles - pay for all or part of any Delta flight with your miles
More info
Apply for Delta Reserve Credit Card |
| Platinum Delta SkyMiles® Credit Card from American Express |
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Intro APR: None
Issuer: American Express
Balance transfer requests submitted on application receive APR of 9.99% for the first 12 months. Then, the standard APR for purchases will apply
Earn up to 25,000 bonus miles-- enough for a total of $250 off Delta flights
Earn at least 1 SkyMile for every eligible dollar you spend
Always Double Miles® on eligible everyday purchases and all Delta purchases
Your Delta Frequent Flyer number is printed on your Card
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.
No annual fee
More info
Apply for Platinum Delta SkyMiles® Credit Card from American Express |
| Platinum Card® from American Express |
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Intro APR: n/a
Issuer: American Express
Earn 25,000 Membership Rewards(R) bonus points when you spend $1,000 in 3 months - Redeemable for one round-trip domestic airline ticket!
24-hour access to Concierge service for the finest experiences in dining, entertainment, and luxury
Fine Hotels & Resorts Program - exclusive amenities at boutique, resort, and luxury hotels around the world
By Invitation Only(R)Events - access to exclusive, once-in-a-lifetime events
Complimentary Airport Club Access
The Membership Rewards First(R) program - Enjoy exclusive access to rewards and experiences featuring luxury retail, lifestyle, and world-class travel
More info
Apply for Platinum Card® from American Express |
| TrueEarnings® Card from Costco and American Express |
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Intro APR: 0%
Issuer: 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
More info
Apply for TrueEarnings® Card from Costco and American Express |
| Wired Plastic Prepaid Visa Card |
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Intro APR: n/a
Issuer: BankFirst
New Card for Convenient Tap-n-Pay Purchases at Merchants Nationwide
No Bounced Check, NSF and Overdraft Charges EVER!
FREE Rewards Program - Earn 1 point for every $1 spent, redeem for Prepaid Wireless Airtime, Music Downloads, LD Calls
FREE Bill Pay Service - Pay Anyone Online or Over the Phone
FREE Credit Builder with Overdraft Protection
FREE Mobile & Email Alerts
FREE Direct Deposit - Eliminate Check Cashing Fees
Add Cash Instantly at 100,000 Retail Locations Nationwide
More info
Apply for Wired Plastic Prepaid Visa Card |
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Intro APR:
Issuer:
More info
Apply for |
| Baalance transfers |
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Intro APR:
Issuer: Mortgage-Refinance
Property acquisition plans can go haywire if buy to let mortgage is not planned well. Buy to let mortgage, unlike other forms of property baalance transfers investments, contribute a major share towards the Rewards credit cards acquisition.
More info
Apply for Baalance transfers |
| Orchard after bankruptcy |
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Intro APR:
Issuer: Investing
What are Index Futures?
Future contracts originate from commodity orchard after bankruptcy trading.
More info
Apply for Orchard after bankruptcy |
| Royal bank visa 1.9% |
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Intro APR:
Issuer: Credit
Ever heard about cash back credit cards? Getting a credit card that offers cash back always sounds like a good idea.
More info
Apply for Royal bank visa 1.9% |
| Credit cards for wedding purchases |
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Intro APR:
Issuer: Credit
When it comes to life the majority are always assuming, and the most of them assume the worst. Creditors, debtors or anyone today all base their theories on assumptions and assumptions Rewards credit cards from the beginning of time have caused nothing but failure.
More info
Apply for Credit cards for wedding purchases |
| Discover 0 percent for life |
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Intro APR:
Issuer: Personal-Finance
An offshore bank is a bank located outside the country of residence discover 0 percent for life of the depositor in a low- or no- tax jurisdictiondiscover 0 percent for life .
More info
Apply for Discover 0 percent for life |
| 4.99% credit card transfers |
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Intro APR:
Issuer: Investing
While you might assume any mutual fund investor should use Money’s mutual fund record-keeping tools, that isn’t the case.
More info
Apply for 4.99% credit card transfers |
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