There are a few
other balance transfer cards out there with longer introductory periods, but they all charge balance transfer fees
There are a few
other balance transfer cards out there with longer introductory periods, but they all charge balance transfer fees
Not exact matches
To learn more about
other credit
cards that come with a rewards program, check
out our guide to
balance transfer rewards credit
cards.
Like many
other cards out there, the
balance transfer fee is 3 % of your
balance transfer amount, with a minimum of $ 5.
For
other options, you can check
out our
other lists showcasing 0 %
balance transfer & purchase credit
cards.
If it then works
out that your credit
card (even with the
balance transfer fee included) is cheapest then make your purchase on one of your
other cards then
transfer it over onto the best
balance transfer card.
That being said, the use of a credit
card to compensate off a credit
card should be the last - ditch effort to draw yourself
out of credit
card debt, and it should be utilised once all
other alternatives are exhausted including the option of a
balance transfer card.
While there are
other great
balance transfer credit
cards out there, these are the ones I recommend to use for debt consolidation and paying down your overall credit
card debt.
As is the case with
other typical
balance transfer cards, the Citi Simplicity ®
Card - No Late Fees Ever's usability becomes questionable once the original promotional period runs
out and the standard APR kicks in (15.24 % - 25.24 %).
Some debtors choose to take
out home equity consolidation loans, some apply for a low - interest credit
card balance transfer, and
others recruit the services of a professional debt consolidation company.
However, if you've ruled
out balance transfer cards and
other types of loans, this may be an option for you.
BankAmericard ® Credit
Card stands out among the balance - transfer credit card pack with a 0 % intro APR for 15 billing cycles for purchases and balance transfer made within 60 days, plus other balance transfer essential like a $ 0 annual fee and FICO score for f
Card stands
out among the
balance -
transfer credit
card pack with a 0 % intro APR for 15 billing cycles for purchases and balance transfer made within 60 days, plus other balance transfer essential like a $ 0 annual fee and FICO score for f
card pack with a 0 % intro APR for 15 billing cycles for purchases and
balance transfer made within 60 days, plus
other balance transfer essential like a $ 0 annual fee and FICO score for free.
These services provide access to accounts using a client
card number issued by the Bank and a password chosen by the client, and allow clients to carry
out various banking transactions including account, line of credit and credit
card balance inquiries, transaction history requests (deposits and withdrawals), wire
transfers, fund
transfers to
other National Bank account holders, requests to access documents, cheque images and bills, bill payments and cheque orders.
If you plan to use this
card to eliminate debt, all you have to do is fill
out a form provided by Chase that will enable you to
transfer the
balances from your
other credit
cards or loans to this new
card.
Lifetime
balance transfer credit
cards: For
card customers trying to payoff high - interest credit card debt, lifetime low interest balance transfers, offered by Discover Card and others, may be substantially cheaper than the other personal loan alternatives out th
card customers trying to payoff high - interest credit
card debt, lifetime low interest balance transfers, offered by Discover Card and others, may be substantially cheaper than the other personal loan alternatives out th
card debt, lifetime low interest
balance transfers, offered by Discover
Card and others, may be substantially cheaper than the other personal loan alternatives out th
Card and
others, may be substantially cheaper than the
other personal loan alternatives
out there.
If you have needs
other than cash back or air miles, be sure to check
out our
other popular categories of
cards such as 0 % intro APR, low ongoing APRs,
balance transfers, and points rewards for our top picks in each.
To sum it up, there are
cards out there with potentially higher cash back earning, but Chase Freedom Unlimited ® strikes a good
balance of flat - rate cash back, tempting welcome offer, introductory low APR on purchases and
balance transfers and
other card benefits.
As is the case with
other typical
balance transfer cards, the Citi Simplicity ®
Card - No Late Fees Ever's usability becomes questionable once the original promotional period runs
out and the standard APR kicks in (15.24 % - 25.24 %).
Three of the
other Chase rewards
cards I've mentioned already also offer this 15 - month 0 % intro APR, but there's one big reason why Chase Slate ® stands
out for
balance transfers: You don't pay
balance transfer fees on anything
transferred within the first 60 days of opening your account.
The
other very handy Hilton tidbit (that you probably know, but thought I'd toss it
out) is that you can earn their points bonuses with three different types of credit
cards, which is useful when trying to
balance out a churn... The Hilton Citi
cards, the Hilton AMEX
cards and the Hawaiian Air and Virgin Atlantic BofA
cards (with their 2x
transfers to Hilton).
Other fees you should look
out for are foreign transactions fees (when you use your
card to pay outside of the US),
balance transfer fees and late payment fees.
Get
out of debt, save money and simplify your financial life by
transferring your credit
card balance or
other debt to a 0 percent interest
balance transfer credit
card.