Best Low Balance Transfer Credit Card

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Low Balance Transfer Credit Card

 

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                                  Low Balance Transfer Credit Card...

Balance Transfer Credit Card
With a low balance transfer credit card, you can transfer the balance of your existing credit card to a new lower interest credit card. Low balance transfer credit cards typically allow you to take advantage of a 0% interest rate for a period of time, usually 6 months to a year, and then a low interest rate after that. Finding the right credit card gives you a window in which to get your finances in order and ideally pay down some of the balance transfer. Low Balance Transfer Credit Card - Apply Today 

 

 Discover® More Card

  Discover® Platinum Card
     
 

5% Cashback Bonus® in categories like travel, home, gas, restaurants,       movies and 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
Increase, even double, your rewards when you redeem for gift cards from       our 100 Cashback Bonus Partners

    Intro APR

  Intro APR Period

    Regular APR

  Annual Fee

  Balance Transfer

    Credit Needed

        0%*

           6 Months*

             10.99%*

        None*

         Yes*

  Exellent Credit*

 
 Blue from American Express®

  Blue from American Express®
      

Fee-Free Rewards Program
0% APR for up to 15 months
No Annual Fee
Low Balance Transfer APR - 4.99% Fixed APR for the life of the balance.
Blue is your launch pad to standout shopping and entertainment rewards       and one-of-a-kind experiences.

    Intro APR

  Intro APR Period

    Regular APR

  Annual Fee

  Balance Transfer

    Credit Needed

        0%*

     up to15 Months*

      11.24%*

          None*

             Yes*

   Exellent Credit*

 
 Chase Visa® Platinum Card

  Chase Platinum Visa® Card
      

0% Intro APR for up to 12 months
The time period for the introductory APR and the balances to which it will        apply will be based on our review of your application and credit history
No Annual Fee
FREE Online Account Access
FREE travel services including Auto Rental Collision Damage Waiver       and Worldwide Travel Accident Insurance

    Intro APR

  Intro APR Period

    Regular APR

  Annual Fee

  Balance Transfer

    Credit Needed

        0%*

     up to12 Months*

      13.49%*

          None*

             Yes*

      Good Credit*

 
 Blue Cash® from American Express®

  Blue Cash®  from American Express
     
 

Up to 5% Cash Back with Unlimited Cash Rewards       transfers
Earn unlimited cash back
0% Intro APR for 6 months
Low Balance Transfer rate - 4.99% fixed APR for the life of the balance
No Annual Fee

    Intro APR

  Intro APR Period

    Regular APR

  Annual Fee

  Balance Transfer

    Credit Needed

        0%*

           6 Months*

             12.24%*

        None*

         Yes*

  Exellent Credit*

 
 GM Flexible Earnings Card

  GM Flex Card
     
 

0% introductory APR* for 12 months
A full 1% cash back option
Earn a full 1% toward any new vehicle
Triple your Earnings to 3% toward an eligible, new GM vehicle
No Annual Fee

    Intro APR

  Intro APR Period

    Regular APR

  Annual Fee

  Balance Transfer

    Credit Needed

        0%*

          12 Months*

             14.24%*

        None*

         Yes*

   Good Credit*

 
 Discover® More Card - American Flag

  Discover® Platinum American Flag Card
     
 

Earn more cash in more ways than anyone elseSM*
Unlimited cash rewards, automatically
Up to 20% Cashback Bonus® when you shop online*
Double rewards with more than 100 Cashback Bonus Partners*
Customer Service in less than a minute, anytime you want
0% Intro APR

    Intro APR

  Intro APR Period

    Regular APR

  Annual Fee

  Balance Transfer

    Credit Needed

        0%*

           6 Months*

             10.99%*

        None*

         Yes*

  Exellent Credit*

 
 Advanta Platinum BusinessCard with Rewards

  Advanta Platinum BusinessCard with Rewards
      

0% APR on balance transfers for 15 months
7.99% Fixed APR thereafter
7.99% Variable APR on Purchases
5% Cash Back or Travel Rewards

    Intro APR

  Intro APR Period

    Regular APR

  Annual Fee

  Balance Transfer

    Credit Needed

        0%*

          15 Months*

              7.99%*

        None*

         Yes*

   Good Credit*

 
 American Express SimplyCashSM Business Card

  American Express SimplyCashSM Business Card
    

Earn 5% cash back on gas, office supplies and wireless services
Earn 1% on cash back on virtually all other purchases
Cash back is automatically credited to the statement each month
No fee with the flexibility to pay in full or carry a balance 0% introductory       APR for the first 12 months
OPEN Savings® : Automatic discounts with FedEx, Delta®, Courtyard by       Marriott®, and more

    Intro APR

  Intro APR Period

    Regular APR

  Annual Fee

  Balance Transfer

    Credit Needed

        0%*

          12 Months*

              7.25%*

        None*

         Yes*

    Good Credit*

 
 
Balance Transfer FAQ
                                                                                                                                                                 
Credit Card Information

Low Balance Transfer Credit Card - Tips:

Credit card debt is a fact of life for millions of Americans. Once you have credit card debt racked up, it can be difficult to get rid of. A low balance transfer credit card provides a solution to this problem. By understanding how they work, you can use balance transfer credit cards to help you get out of debt.

The right credit card (low balance transfer credit card) will allow you to transfer the amount due on other credit cards to their credit card. Many offer a low interest rate or a 0% APR introductory rate on the transferred amount. This way, you can avoid paying hundreds of dollars on interest. By making payments each month, you reduce the balance and save on interest expense.

Low balance transfer credit cards come in many shapes and sizes. Some charge a fee to transfer balances; others do not. Some offer low interest rates for a certain period of time; others allow a fixed low interest rate on the balance until it is paid off. Certain balance transfer credit cards come with a rewards program or additional perks. While balance transfer credit cards offer a great rate on the initial transfer, some include a high interest rate on new purchases. The payments you make will first be applied toward finance charges, then the transferred amount, and finally the new purchases. Your best bet is to find a balance transfer credit card that offers 0% APR on new purchases for the length of the promotional period. You may be surprised at how may credit card issuers are offering 0% APR on both the balance transfers as well as on new purchases for up to 12 months.

Before you apply for a low balance transfer credit card, be sure that you understand your financial situation. Look through your credit cards and the interest rates on them. If you are carrying balances with high interest rates, you may be spending hundreds of dollars each month on interest. It could take years to pay off the initial amounts placed on the cards. By transferring the balances to a credit card with a low interest rate, you can pay off the amounts faster. Also, balance transfer credit cards allow you to consolidate your debt. Keep in mind that some balance transfer credit cards only offer a low interest rate for a certain period of time. Many cards have a high interest rate or variable interest rate that kicks in after six months or a year. If you haven’t paid off the balance by then, the higher interest will continue to increase your debt and work against you. If at all possible, you will want to pay off the credit card debt that you transfer within the grace period.

After you have done your research and understand your finances, you are ready to apply online for a balance transfer credit card. Pick one that suits your needs. Then set up a system to pay off the balance. Balance transfer credit cards can provide the first step toward getting out of credit card debt. By placing all of your credit card debt in one place, you can make just one easy payment each month. You also will be able to enjoy paying 0% interest for a period of time on your balances. With a little planning, you will soon be on the road to zero credit card debt and good money management.