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A balance transfer credit card can save you hundreds of dollars on interest and help you get out of debt much faster. According to our research, even the average balance transfer credit card has a 0% APR for around 13 months, with a 3.19% balance transfer fee and a $0 annual fee, providing a big discount compared to the average card overall. To ...
A balance transfer credit card can save you hundreds of dollars on interest and help you get out of debt much faster. According to our research, even the average balance transfer credit card has a 0% APR for around 13 months, with a 3.19% balance transfer fee and a $0 annual fee, providing a big discount compared to the average card overall. To ...
Avoid making purchases on a 0% balance transfer card. If your balance transfer card does not also offer a 0% rate for purchases, any purchases you make with the card will accrue interest charges until you pay your entire balance in full. Learn more about the best way to use a 0% card and the top mistakes to avoid. Sources
The best completely free balance transfer credit card is the CorTrust Bank CorPlatinum Credit Card because it doesn’t charge an annual fee or a transfer fee and it offers an intro APR of 0% for 6 months. The card has a regular APR of 14.49% - 21.49% (V), which you’ll need to avoid to keep your transfer free.
For example, the Citi Simplicity® Card card requires good credit or better for approval and offers 0% for 21 months on balance transfers, with a 3% intro fee ($5 min) for each transfer in first 4 months, and 5% ($5 min) for each transfer after that.
After all, low-cost credit improvement should be your top priority. And a no annual fee credit card can be completely free to use, as long as you pay any balance owed by the due date every month and avoid actions that will trigger any one-off fees that your card may charge. Things aren’t so clear cut for people with good or excellent credit.
Doing a balance transfer is a very good idea if you need multiple months to pay off high-interest debt and you are able to qualify for a 0% balance transfer credit card. Most balance transfer cards require a 700+ credit score. What you should know before making a balance transfer: You generally need good credit or better to get a 0% balance ...
Doing a balance transfer is a very good idea if you need multiple months to pay off high-interest debt and you are able to qualify for a 0% balance transfer credit card. Most balance transfer cards require a 700+ credit score. What you should know before making a balance transfer: You generally need good credit or better to get a 0% balance ...
Note that there is no 0% introductory APR with a Southwest credit card balance transfer. But you can earn 1 point / $1 transferred – up to $10,000 or $15,000, depending on the card. The Southwest credit cards’ balance transfer offer is unique in that you earn rewards. Don’t let that sway you too much, though.
WalletHub's Take: The BankAmericard credit card is a very good 0% credit card that's worthwhile for people with excellent credit who can benefit from interest-free financing for the first 18 billing cycles on new purchases as well as balance transfers made in the first 60 days. The BankAmericard credit card does not charge an annual fee.