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Citi® Double Cash Card – 18 month BT offer
- Regular Purchase APR 14.74% - 24.74% (Variable)
- Balance Transfer APR 14.74% - 24.74% (Variable)
- Cash Advance APR 25.99% (Variable)
- Annual Fee $0
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Mastercard
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- To earn cash back, pay at least the minimum due on time.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- Regular Purchase APR: 14.74% - 24.74% (Variable)
- Intro Balance Transfer APR: 0% for 18 months on Balance Transfers
- Balance Transfer APR: 14.74% - 24.74% (Variable)
- Balance Transfer Transaction Fee: 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening.
- Cash Advance APR: 25.99% (Variable)
- Cash Advance Transaction Fee: 5% of each cash advance; $10 minimum
- Penalty APR: Up to 29.99% (Variable)
- Annual Fee: $0
- Foreign Transaction Fee: 3%
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
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Join today!Citi Simplicity® Card
- Regular Purchase APR 15.49% - 25.49% (Variable)
- Balance Transfer APR 15.49% - 25.49% (Variable)
- Cash Advance APR 25.99% (Variable)
- Annual Fee $0
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 12 months on Purchases
- Processing Network Mastercard
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 15.49% - 25.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
- The standard variable APR for Citi Flex Plan is 15.49% - 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
- Intro Purchase APR: 0% for 12 months on Purchases
- Regular Purchase APR: 15.49% - 25.49% (Variable)
- Intro Balance Transfer APR: 0% for 21 months on Balance Transfers
- Balance Transfer APR: 15.49% - 25.49% (Variable)
- Balance Transfer Transaction Fee: 5% of each balance transfer; $5 minimum.
- Cash Advance APR: 25.99% (Variable)
- Cash Advance Transaction Fee: 5% of each cash advance; $10 minimum
- Annual Fee: $0
- Foreign Transaction Fee: 3%
- Late Payment Penalty Fee: No Late Fee
- Return Payment Penalty Fee: Up to $40
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Join today!Citi® Diamond Preferred® Card
- Regular Purchase APR 14.49% - 24.49% (Variable)
- Balance Transfer APR 14.49% - 24.49% (Variable)
- Cash Advance APR 25.99% (Variable)
- Annual Fee $0
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 12 months on Purchases
- Processing Network Mastercard
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 14.49% - 24.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online. With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- The standard variable APR for Citi Flex Plan is 14.49% - 24.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- Intro Purchase APR: 0% for 12 months on Purchases
- Regular Purchase APR: 14.49% - 24.49% (Variable)
- Intro Balance Transfer APR: 0% for 21 months on Balance Transfers
- Balance Transfer APR: 14.49% - 24.49% (Variable)
- Balance Transfer Transaction Fee: 5% of each balance transfer; $5 minimum.
- Cash Advance APR: 25.99% (Variable)
- Cash Advance Transaction Fee: 5% of each cash advance; $10 minimum
- Penalty APR: Up to 29.99% (Variable)
- Annual Fee: $0
- Foreign Transaction Fee: 3%
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
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Join today!Upgrade Visa® Card with Cash Rewards
- Regular Purchase APR 8.99%-29.99% variable based on creditworthiness and the Prime Rate
- Annual Fee None
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good , Fair
- Processing Network Visa
- Earn 1.5% unlimited cash back on card purchases every time you make a payment
- Combine the flexibility of a card with the low cost and predictability of a loan
- $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Great for large purchases with predictable payments you can budget for
- Regular Purchase APR: 8.99%-29.99% variable based on creditworthiness and the Prime Rate
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Join today!Amex EveryDay® Credit Card
- Regular Purchase APR 13.74% to 24.74% variable based on creditworthiness and Prime Rate
- Cash Advance APR 25.99% variable based on the Prime Rate
- Annual Fee None
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 15 months from account opening date
- Processing Network American Express
- Earn 20% extra points when you make 20+ purchases in a billing period
- 2X points per dollar spent at U.S. supermarkets (up to $6,000)
- 1X points on every other eligible dollar spent
- 0% intro APR on purchases for 15 months
- Intro Purchase APR: 0% for 15 months from account opening date
- Regular Purchase APR: 13.74% to 24.74% variable based on creditworthiness and Prime Rate
- Cash Advance APR: 25.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Foreign Transaction Fee: 2.7% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!BankAmericard® Credit Card
- Regular Purchase APR 13.24% to 23.24% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 13.24% to 23.24% variable based on creditworthiness and Prime Rate
- Cash Advance APR 16.24% to 26.24% variable based on the Prime Rate
- Annual Fee None
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 18 months from account opening date
- Processing Network Mastercard
- No interest charges on purchases and balance transfers for the first 18 months from the date of account opening
- No penalty APR for late payments
- No annual fee
- Access your FICO® Score for free
- Intro Purchase APR: 0% for 18 months from account opening date
- Regular Purchase APR: 13.24% to 23.24% variable based on creditworthiness and Prime Rate
- Intro Balance Transfer APR: 0% for 18 months for any balance transfers made within 60 days from account opening date
- Balance Transfer APR: 13.24% to 23.24% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 16.24% to 26.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $29
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Join today!Citizens Bank Clear Value® Mastercard®
- Regular Purchase APR 13.99%, 17.99%, or 21.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 13.99%, 17.99%, or 21.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 24.99% variable based on the Prime Rate
- Annual Fee None
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Good
- Processing Network Mastercard
- Introductory 0% APR on balance transfers for 18 months from account opening date
- No annual fee
- Travel accident and baggage delay insurance included
- Digital wallet compatibility for in-store and in-app touchless purchases
- Regular Purchase APR: 13.99%, 17.99%, or 21.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 18 months from date of account opening date
- Balance Transfer APR: 13.99%, 17.99%, or 21.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 24.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or up to 3% of the amount of each cash advance, whichever is greater
- Penalty APR: Up to 29.99%
- Foreign Transaction Fee: Either $1.50 or 3% of the U.S. dollar amount of each transaction, whichever is greater
- Late Payment Penalty Fee: Up to $40
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!PNC Core® Visa® Credit Card
- Regular Purchase APR 10.99% to 22.99% variable based on creditworthiness
- Balance Transfer APR 10.99% to 22.99% variable based on creditworthiness
- Cash Advance APR 24.99% variable based on the Prime Rate
- Annual Fee None
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Good , Fair
- Intro Purchase APR 0% for 15 months from account opening date
- Processing Network Visa
- Earn a $100 bonus after you make at least $1,000 in purchases within the first 3 months from account opening
- 0% intro APR on purchases and balance transfers for 15 months
- Low regular APR on purchases
- No annual fee
- Intro Purchase APR: 0% for 15 months from account opening date
- Regular Purchase APR: 10.99% to 22.99% variable based on creditworthiness
- Intro Balance Transfer APR: 0% for 15 months on transfers made within 90 days from account opening date
- Balance Transfer APR: 10.99% to 22.99% variable based on creditworthiness
- Balance Transfer Transaction Fee: Either $5 or 3% each balance transfer amount, whichever is greater, for first 90 days. After, either $5 or 4% of each transfer amount, whichever is greater
- Cash Advance APR: 24.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 28.99% variable based on the Prime Rate
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $38
- Return Payment Penalty Fee: Up to $38
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Join today!First Hawaiian Bank Heritage Card
- Regular Purchase APR 16.24% variable based on the Prime Rate
- Balance Transfer APR 16.24% variable based on the Prime Rate
- Cash Advance APR 18%
- Annual Fee None
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Good , Fair
- Intro Purchase APR 2.99% for 8 months from account opening date
- Processing Network Mastercard
- No annual fee
- Low Introductory APR for 8 months on purchases
- Low introductory APR for 8 months on balance transfers
- Access to Mastercard® benefits
- Intro Purchase APR: 2.99% for 8 months from account opening date
- Regular Purchase APR: 16.24% variable based on the Prime Rate
- Intro Balance Transfer APR: 2.99% for 8 months for transfers made within 30 days from account opening date
- Balance Transfer APR: 16.24% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 18%
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 18%
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!Wells Fargo Reflect Card
- Regular Purchase APR 13.74% to 25.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 13.74% to 25.74% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 26.74% variable based on the Prime Rate
- Annual Fee None
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 18 months from date of account opening, with an extension of up to 3 months for meeting minimum requirements
- Processing Network Visa
- No annual fee
- 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers.
- Intro APR extension of up to 3 months with on-time minimum payments during the introductory and extension periods
- Cell phone protection for up to $600 when you pay your monthly cell phone bill with your eligible Wells Fargo card
- Intro Purchase APR: 0% for 18 months from date of account opening, with an extension of up to 3 months for meeting minimum requirements
- Regular Purchase APR: 13.74% to 25.74% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 18 months from date of account opening, with an extension of up to 3 months for meeting minimum requirements
- Balance Transfer APR: 13.74% to 25.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5
- Cash Advance APR: 26.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater.
- Foreign Transaction Fee: 3% of each transaction converted to U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!You've viewed 10 of 63 credit cards
What is a Balance Transfer Credit Card?
A balance transfer credit card is a type of credit card offer meaning that cardholders can transfer credit card debt from multiple cards onto one in order to consolidate the amount owed. This is a popular debt management strategy, because having all your credit card debt compiled in one place can potentially reduce overall costs.
Balance transfer cards are a great way to avoid the origination costs that come from personal loans, and may offer additional bonuses, like cash back, points, or 0% intro APR for up to 18 months on purchases.
Many of the best credit card balance transfer offers include features to simplify your payments and save you money. When applying for a balance transfer card, you’ll want to look for perks like:
- Long 0% introductory APR periods
- Low or fixed interest rates
- Waived balance transfer fees
- No annual fee
How to Transfer a Credit Card Balance
It helps to know how balance transfers work before you jump into applying for your first balance transfer credit card. Otherwise, you may choose a card that doesn’t fit your situation well and end up compounding your debt, rather than reducing it. Follow these steps to get on the right track toward eliminating your credit card debt:
- Examine your current credit cards. It’s important to note the interest rates, fees, balances, and other information for the cards you already have. That way, you can ensure your new card has better terms. You’ll also need to keep track of the issuers, so you’re sure choose a different one; you usually can’t perform same-issuer transfers.
- Make a plan for paying off your debt. How fast can you realistically pay off this debt? What is the largest monthly payment you can consistently afford? Questions like these can help you identify the card that fits your needs.
- Select and apply for a balance transfer card. Put what you’ve learned about your financial needs and goals into your research to find a card with the right APRs, intro period, and credit limit.
- Request the balance transfer. Contact the issuer of your new card either online or over the phone to initiate the transfer of each balance.
- Keep up with your payments. The best way to make a balance transfer credit card worthwhile is to make consistent payments.
What Are the Best Balance Transfer Credit Cards?
The very best balance transfer credit cards fall into two distinct categories. The first of these categories is cards that offer lengthy 0% intro APR periods. There are dozens of excellent cards with zero-interest periods of 12 months or more, including offers from Discover, Citi, Chase, and US Bank.
The second category of balance transfer credit card includes cards with low APR everyday. Having a low rate for everyday transfers is great for both financing large purchases and paying down balances over time. Once a card’s 0% intro APR ends, for example, you’ll be left with an interest rate of 15% or more, but with a low rate credit card you can enjoy paying the balance at a reduced rate for the life of the card.
One of the best companies for low rate APR and balance transfer credit cards is fintech Upgrade. Upgrade offers some of the lowest interest rates on the market – starting well-below 10% for customers with excellent credit. Even better, Upgrade offers three unique cards, all of which feature no annual fee:
Upgrade Visa® Card with Cash Rewards
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Unlimited 1.5% cash abck on all purchases
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No fees of any kind!
☆ $0 Annual Fee, $0 Maintenance Fees
☆ Quick Online Pre-Approval
☆ Exceptionally Low APR
The Upgrade Visa® Card with Cash Rewards offers no fees, low rates, cash back, and credit lines up to $20,000 in one unique package. The card provides the flexibility and predictability consumers need to quickly pay down balances and get debt-free. The Upgrade credit card is one of the lowest regular APR credit cards on the market for those with excellent credit scores, putting it firmly on any list of the best balance transfer credit card deals of 2022 – or any list of the best credit cards in the U.S.
Upgrade Triple Cash Rewards Visa®
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Earn 3% on Home, Auto and Health categories and 1% on everything else
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No fees of any kind!
☆ $0 Annual Fee, $0 Maintenance Fees
☆ Quick Online Pre-Approval
☆ Exceptionally Low APR
The Upgrade Triple Cash Rewards Visa® is a versatile, impressive credit card for those that want an exceptional APR, solid rewards, and a whole lot more. The addition of up to 3% cash back on home, auto, and health purchases is equally impressive and makes the card an everyday earner that just so happens to help you reduce your existing credit card debt. Plus, since those rewards can be applied towards statement credits, using the card every day can really help put a dent in existing debt in no time!
Upgrade Visa® Card with Bitcoin Rewards
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Earn 1.5% Cash back Rewards in BTC on every purchase
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No annual fees, no foreign transactions fees
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Zero Fraud Liability
☆ Fast Online Pre-Approval
☆ Earn Bitcoin with Every Purchase
☆ Pay w/ Apple Pay™ or Google Pay™
☆ 24/7 Mobile App Access
The Upgrade Bitcoin Rewards is a tough-to-beat credit card for fans of crypto rewards and low interest rates. The interest rates are the same as with other Upgrade Cards, making it among the best in the business. The ability to pay down debt – and earn BTC with every purchase – is another perk that makes the card something that provides everyday value.
The Pros and Cons of Transferring a Credit Card Balance
The main reason to apply for a balance transfer card is because it can make the process of paying off your debt a little easier. When carrying debt across several cards, it can be difficult to know which balance to tackle first, leaving you feeling overwhelmed on all sides. With all of your debt compiled onto one card instead, you can focus your energy in one direction and possibly feel more empowered to tackle your payments.
This approach to debt management may also help you save money in the long run and reduce your risk of defaulting. Rather than juggling multiple cards with variable APRs and fees, you’ll have just one (hopefully low) APR to worry about. That’s where 0% APR $0 balance transfer credit cards come into play.
However, debt consolidation using a balance transfer card isn’t always the most lucrative option. For instance, it’s not as effective if you have student loans and other types of debt as well. It’s also important to make sure you have a payment strategy in place and stick to it. Otherwise, you may cancel out any benefits from transferring your balances in the first place.
Better credit scores also mean longer intro APR periods on things like purchases and balance transfers. Some cards may offer excellent credit score 0% APR for 15 months on balance transfers and purchases, for example.
Keep in mind, however, that transfers must be completed within a set window and do not include fees. Balance transfer fees typically range around $5 or 3% of the amount of each transfer, whichever is greater.
Balance Transfer FAQs
Balance transfers can seem confusing – but they don’t have to be. Here are some of the most commonly asked questions about balance transfers and balance transfer credit cards:
- A balance transfer is a process of taking an existing credit card balance and moving it to a new account with a lower regular APR. These transfers make it easier to pay down balances and often come with intro APR offers.
- Because these types of cards offer low-interest rates, a good credit score is a minimum requirement for a balance transfer card. Many issuers require an excellent credit score, so a good benchmark for obtaining a card like these is a FICO Score of 700 or higher.
- Because these cards feature an introductory rate, you might find yourself stuck with more debt than you began. After the promotional period ends, only those with the best credit scores will have the lowest rates. Those with good credit might be paying a higher APR – primarily if they conduct their transfer using a rewards credit card. Other negatives of transferring a balance include:
- Increasing credit utilization on a single card, which can lower your credit score.
- Lowering the average age of your credit accounts by opening a new line of credit.
- A new line of credit also means a further hard inquiry, which can also impact your credit score.
- While many cards feature 0% intro AR, not all balance transfer cards provide an interest-free period, some cards – especially those from credit unions or smaller banks – may only offer a reduced interest rate. These rates maybe 3.99% or higher, but are often significantly lower than the standard variable APR.
- While most major card issuers provide a variety of offers, not all currently offer a balance transfer credit card. Most significant issuers and banks, like Chase (Chase Slate Card), Citi (the Citi Simplicity Card), and others, provide balance transfer cards and low APR Cards. Discover also reintroduced its balance transfer card, the Discover It Balance Transfer.
- According to the BestCards guide to the average APR for all types of credit cards, the current average interest rate for a balance transfer card is approximately 16.99%.
- In some cases, yes. Some cash back cards, like the Citi Double Cash Card, offer 0% APR on balance transfers and cash back rewards program in one package. Just be sure to pay your statement balance in full before the due date, or you might incur a late fee or penalty APR.
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