One reason people apply for a combined
purchase and balance transfer card is that they are worried about making multiple credit card applications as they can harm your credit rating.
Another bonus is new members will start off with a 0 % introductory APR offer for the first 15 months on
purchases and balance transfers then afterwards receive a variable 18.24 %.
You must pay your entire statement balance (including all promotional
purchase and balance transfer balances) by the due date each month to avoid being charged interest on new purchases from the date those purchases are made, unless your new purchases are subject to a 0 % interest rate.
If you want the double benefits of a 0 % introductory APR on
purchases and balance transfers as well as a card with a cash rewards program, we think this card is worth a second look.
The Cashback Match ™ version offers a 0 % intro APR for 14 months for
purchases and balance transfers whereas Discover it ® - 18 Month Balance Transfer Offer includes the intro APR for 6 months for purchases and 18 months for balance transfers.
This card brings to the table just about everything that the other guys offer, however the Bright Card does have the best APR you can find after the initial 15 month 0 % introductory APR on
purchases and balance transfers ends.
New customers will
see purchase and balance transfer APRs ranging between 16.49 % - 25.24 % Variable - though you should see issuer terms for the exact amount before applying.