Note: This information is intended to be a snapshot
of balance transfer offers as April 25, 2013; card offers can and do change frequently.
Not exact matches
The Chase Slate ® is one
of the few credit cards to waive the
transfer fee
as an intro
offer on
balances transferred within the first 60 days
of account opening.
The card doesn't
offer low intro rate, so it may not be a good choice for
balance transfer (
balance transfer fee is either $ 5 or 3 %
of the amount
of each
transfer, whichever is greater), even though the
transferred amount counts
as eligible spending for the sign up bonus.
In the spirit
of the holiday, you might want to leverage attractive credit card
offers such
as the Slate from Chase, which
offers zero percent on
balance transfers for 15 months with no
balance transfer or annual fees, in order to free yourself from your financial burden at the lowest possible cost.
Balance transfers offer an introductory 0 % APR for the first 12 billing cycles
as long
as they are made within the first 45 days
of having your account open.
The Chase Slate ® is one
of the few credit cards to waive the
transfer fee
as an intro
offer on
balances transferred within the first 60 days
of account opening.
The card also
offers an introductory
balance transfer APR
of 10.99 % for six months so long
as your
transfer is posted to the account within a specific time period
of usually around three months.
Another great bonus
of the Discover it Card is that they
offer 14 months
of 0 % APR
as an introductory rate on regular purchases and
balance transfers after which the standard interest rates apply.
Unfortunately, this doesn't apply to
balance transfers but they do
offer a lower percentage
of 10.99 % on
balance transfers within the first 14 months
as long
as they are completed within the first three months or so
of opening your account.
As a
balance transfer credit card, the Chase Slate ® is one
of our favorite, due to its introductory
offer on
of having no
transfer fees on
balances transferred within the first 60 days
of card membership.
This is why making
balance transfers between existing cards is usually a better option
as you may still get the
offer of a 0 %
transfer so you will be better off, without actually taking on any more forms
of credit and risking how your credit history appears to potential credit providers.
In addition to its 15 month
of intro 0 % APR on purchases and
balance transfers (then standard variable rate, currently 14.49 % - 25.49 %), the EveryDay also
offers a $ 0
balance transfer fee, a rare and valuable feature among credit cards,
as long
as you request
balance transfers within your first 60 days.
By affecting a
Balance Transfer of your personal loan, the current balance of the loan amount will be paid back by the bank offering the Balance Transfer and a new EMI will be inducted as per the lowered rate of in
Balance Transfer of your personal loan, the current
balance of the loan amount will be paid back by the bank offering the Balance Transfer and a new EMI will be inducted as per the lowered rate of in
balance of the loan amount will be paid back by the bank
offering the
Balance Transfer and a new EMI will be inducted as per the lowered rate of in
Balance Transfer and a new EMI will be inducted
as per the lowered rate
of interest.
* When you take advantage
of the 2.9 % APR (annual percentage rate) promotional
offer, Visa ®
balance transfers will be treated
as a cash advance and will accrue interest at 2.9 % APR from the time that the transaction posts until 12/31/19; thereafter, any remaining
balance will begin to accrue interest at the cash advance rate, which is currently 9.9 % APR and subject to change.
For instance, the American Express Blue Business Plus card currently
offers new applicants 0 % on purchases and
balance transfers for 15 months
as of February 20th 2018, with a
balance transfer fee
of Either $ 5 or 3 %
of the amount
of each
transfer, whichever is greater.
If you can
transfer credit card
balances to a card with low interest rates or 0 % APR, then you should take full advantage
of this and repay
as much
of your debts
as you can before the introductory
offer ends.
If you pay only the minimum due each month after taking advantage
of a zero percent
balance transfer offer, but you have another
balance on the card with a higher APR, you may be surprised to find that your
balance doesn't go down
as fast
as you expected.
However, such
offers are getting hard and hard to find
as many issuers, such
as Citibank, introduced
balance transfer fees
as high
as 3 %
of the total
transferred amount.
With this strategy, you will be able to
transfer an existing
balance onto a card that
offers a lower interest rate, sometimes even
as low
as 0 %, on the consolidated
balance for a set amount
of time, typically 12 - 18 months.
The Chase Slate ® is one
of the few credit cards to waive the
balance transfer fee
as an introductory
offer.
So if your
balance transfer card
offers your 24 months at 0 % interest, then you want to make sure that you have paid
as much
as possible, if not all,
of your debt before it finishes and the high interest kicks in.
3 PSECU Visa ® Founder's Card: When you take advantage
of the 3.9 % APR (annual percentage rate) promotional
offer, Visa ® Founder's Card
balance transfers will be treated
as a cash advance and will accrue interest at 3.9 % APR from the time that the transaction posts until 12/31/19; thereafter, any remaining
balance will begin to accrue interest at the cash advance rate, which is a variable APR equal to the Prime Rate plus a margin
of 9.15 %.
2 PSECU Visa ® Classic Card: When you take advantage
of the 2.9 % APR (annual percentage rate) promotional
offer, Visa ®
balance transfers will be treated
as a cash advance and will accrue interest at 2.9 % APR from the time that the transaction posts until 12/31/19; thereafter, any remaining
balance will begin to accrue interest at the cash advance rate, which is currently 9.9 % APR and subject to change.
Some cards that
offer low
balance transfer rates sting you with a high
balance transfer fee — sometimes
as high
as 3 %
of the
balance transferred.
Our Visa Platinum Rewards credit card
offers interest rates
as low
as 10.50 % Annual Percentage Rate (APR), a minimum limit
of $ 2,500, and no annual or
balance transfer fee.
You might want to mention that you're considering
transferring your
balance to another card issuer because
of a 0 %
balance transfer offer, and see if they're willing to give you a deal to keep you
as a customer.
Firstrade
offers many special deals for new accounts, including $ 0 cost trades,
transfer rebates
as well
as cash back, which will be based on the size
of your account
balance.
American Express, MasterCard and Visa
offer cards which have no annual fee, APR interest rates that start
as low
as 9.74 %, and reward programs that
offer incentives like 0 % interest introductory
offers on
balance transfers and 2.25 % cash back with no limit on the amount
of money you can earn back.
Some cards will
offer up to 36 months
of interest - free
balance transfers, and you could start banking rewards points
as well.
If you want to use the 0 - percent
balance transfer offer, don't treat Quicksilver from Capital One
as a reward credit card — you may end up making new debts instead
of repaying old ones.
Choosing between our top picks will be a matter
of deciding which points program you prefer,
as both
offer similar
balance transfer terms and annual - fee - free card use.
This card also has a intro
offer,
as you will pay 0 % A.P.R. on all purchases and
balance transfers for the first 12 months
of card opening, After the 0 %
offer a variable A.P.R ranging from 15 % to 23 % applies, which is slight higher then the interest rate on the Quicksilver card.
As the marketplace stands, you can't earn rewards on a
balance transfer from any credit card — at least not that we could find — and certainly not any
of those
offering introductory 0 % APR for those
transfers.
Best
of all, the intro APR
offers of many cards — including several
of our category favorites — will extend to new purchases
as well
as balance transfers.
Some
offer 0 % APR for both transactions, while others may limit it to just one
of the two, such
as a 0 % APR
balance transfer.
The Chase Slate credit card and BankAmericard credit card are two
of the most popular options
offered by top issuers,
as neither card charges a
balance transfer fee on
balances transferred within the first 60 days.
The Citi Double Cash card also
offers an introductory APR period on
balance transfers for the first 18 months,
as long
as the
transfer is made within four months
of account opening.
When comparing
balance transfer offers, you'll want to take note
of the exact
offer terms, such
as any annual fees,
as well
as the default APR you will be required to pay on
balances remaining after the
offer terms expire.
The Chase Slate card also features a long 0 % intro period
as it features a 0 % intro A.P.R. on all purchases and
balance transfers for the first 15 months
of card opening, which is 3 months shorter then the Citi Diamond card's 0 %
offer.
Since any remaining
balance you have will start accruing interest at the default new purchase or
balance transfer APR, the utility
of these
offers lasts only
as long
as their terms.
Why we recommend
as one
of the best: This card has a good combination
of 0 %
balance transfer period, good rewards program, and a good bonus
offer.
Why we recommend
as one
of the best: this card has the longest 0 %
offer on
balance transfers, at 21 months
So,
as important
as that
balance transfer fee can be, it shouldn't be at the top
of your list when comparing credit card
offers.
Many
of the best
balance transfer offers aren't limited to
transferred balances; a great number
of cards will
offer 0 % APR on your new purchases,
as well (or, sometimes, instead).
Why we recommend
as one
of the best: this card has no fee on
balance transfers,
as well
as a long intro
offer on
balance transfers
Why we recommend
as one
of the best: this card has a long 18 month intro
offer on
balance transfers, along with a low, ongoing interest rate
This year's survey
of online
balance transfer offers found that the market norms remain the same
as a year ago: The most - common
offers let consumers
transfer a
balance at 0 percent interest for about 12 months for a fee
of 3 percent.
Allows you to choose among types
of reward accumulation and redemption, card design, and financial features such
as APRs on purchases,
balance transfers and introductory
offers.
A 0 % APR
offer is a valuable benefit that enables credit card users to avoid paying interest on purchases and / or
balance transfers for a specified period
of time, which can last
as long
as 21 months.
Capital One ® Savor ℠ Cash Rewards Credit Card also
offers a slew
of other perks and exclusive privileges that some may benefit from, such
as 0 % intro APR on purchases and
balance transfers for 9 months (15.99 % - 24.74 % variable APR thereafter).