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Balance Transfer Credit Cards

Balance transfer credit cards offer the possibility of transferring your outstanding credit card balance from a high interest credit card to a lower interest rate or even a 0% interest rate. These balance transfer card offers save you money on interest payments, help you consolidate your debt and lower your monthly debt payments.

 

What to look for in balance transfer credit card offers?

• Are there transfer fees involved?
• What may trigger a higher interest rate during the introductory APR period?
• Does the introductory APR cover both balance transfers and new purchases?

 

To find the answers to these questions it will be helpful to go to the "terms and conditions" on the balance transfer credit card application of your choice. If you have good credit it should be possible to find a balance transfer credit card with a year or longer 0% introductory rate and with no balance transfer fees. In some cases a low apr on balance transfers will last until the initial transfer amount is fully paid off.

 

See other Low Interest Rate Credit Cards

Low Interest Credit Cards  0% APR Credit Cards

 

 

	Blue from American Express®
	0% APR on Purchases for Up to 12 Months No Annual Fee Low Balance Transfer APR — 2.99% for 12 Months Earn Points That Can be Redeemed for Gift Cards, Travel, Merchandise, and Unique Entertainment Experiences Membership Rewards Express® Program Express Approval. Get a Decision in Less Than 60 Seconds.
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% APR for Up to 12 Months Free As low as 10.99% $0 Average Balance Transfers: YES Issuer: American Express Rating:

	Blue Cash® from American Express
	Earn Up to 5% Cash Back on Everyday Purchases - Even Gas! No Annual Fee 0% APR for Up to 12 Months on Purchases Low Balance Transfer Rate - 2.99% for 12 Months Express Approval. Get a Decision in Less Than 60 Seconds.
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% APR for Up to 12 Months Free As low as 11.99% $0 Average Balance Transfers: YES Issuer: American Express Rating:

	Capital One® No Hassle Miles(SM) Rewards Excellent 1.25 Miles Rewards
	Earn 25% More Mileage Than Regular Mileage Cards With 1.25 Miles For Each Dollar Spent on Purchases Save With a 0% Intro APR on Purchases Until January 2010 No Expiration on Miles and No Limit on the Miles You Can Earn There Are No Blackout Date and No Seat Restrictions No Annual Fee *See Capital One® Important Disclosures for More Information.
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% on Purchases Until January 2010 Free 9.90% $0 Excellent Balance Transfers: YES Issuer: Capital One Rating:

	Capital One® Platinum Prestige
	Save with 0% Intro APR Until January 2010 on Purchases and Balance Transfers Then Enjoy a Variable APR, Now 8.9% Save Time and Money By Transferring Higher-Rate Balances So You Can Make One Easy Payment Each Month No Annual Fee *See Capital One® Important Disclosures for More Information
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% APR on Purchases and Balance Transfers Until January 2010 Free 8.90% $0 Excellent Balance Transfers: YES Issuer: Capital One Rating:

	Capital One® No Hassle Points(SM) Rewards - Excellent Credit
	Earn 2 Points Per Dollar Spent at Gas Stations, Major Grocery and Drug Stores 1 Point for Every Dollar Spent on Other Purchases Save With a 0% Intro APR on Purchases Until January 2010 There is No Limit to the Points You Can Earn and Your Points Won't Expire No Annual Fee *See Capital One® Important Disclosures for More Information
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% on Purchases Until January 2010 Free 9.90% $0 Excellent Balance Transfers: YES Issuer: Capital One Rating:

	Capital One® No Hassle Miles(SM) Ultra-For Professionals
	Earn Double Miles - 2 Miles Per Dollar Spent on All Purchases Save With a 0% Intro APR on Purchases Until January 2010 No Expiration Date on Miles and No Limit on the Miles You Can Earn No Blackout Dates or Seat Restrictions *See Capital One® Important Disclosures for More Information
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% on Purchases Until January 2010 Free 9.90% $39 Excellent Balance Transfers: YES Issuer: Capital One Rating:

	Capital One® No Hassle Miles(SM) Rewards - MasterCard® Excellent 1x - 2x Miles Rewards
	Earn 2 Miles for Each Dollar of Monthly Spending Above $1,000 1 Mile Per $1 Spent on All Other Purchases Save With 0% Intro APR on Purchases Until January 2010 Get Free Travel Easily with ANY Airline, Hotel, Cruise Line, or Rental Car No Blackout Dates and No Seat Restrictions No Expiration Date on Miles and No Limit on the Miles You Can Earn No Annual Fee *See Capital One® Important Disclosures for More Information
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% on Purchases Until January 2010 Free 9.90% $0 Average Balance Transfers: YES Issuer: Capital One Rating:

	Discover® Motiva(SM) Card
	Double Cashback Bonus® on Grocery Store Purchases in November and December* 5% to 20% Cashback Bonus® at Top Online Retailers* Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically Increase, Even Double Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners Free Payment by Phone or Online – Even on Your Payment Due Date Choose a Payment Due Date That Meets Your Needs No Annual Fee *View Discover® Card Rates, Fees, Rewards, and Other Important Information
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 3.99% Intro APR* Free 10.99% $0 Average Balance Transfers: YES Issuer: Discover Rating:

	IberiaBank Visa® Gold Cash Back Rewards Card
	Earn 1% in Cash Back Credit on All Qualifying Purchases No limit on Cash Back; No Expiration Date on Eligibility for Accounts in Good Standing Travel Accident Coverage Up to $500,000 No Annual Membership Fee 0% Introductory APR on Balance Transfers for Your First 6 Billing Cycles - Applies to Balance Transfers Processed Within 3 Months of Your Account Open Date No Transaction Fee for Balance Transfers 25 Day Grace Period Online Access to Credit Card Account Information
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% APR for 6 Months Free As low as 8.00%* $0 Good Balance Transfers: YES Issuer: IberiaBank Rating:

	Pulaski Bank Visa® Card
	Fixed Rate APR of 6.5% 0% Introductory APR on Balance Transfers for the First 6 Billing Cycles - Applies to Balance Transfers Processed within 3 Months of Your Account Open Date No Transaction Fee for Balance Transfers 25 Day Grace Period Online Access to Credit Card Account Information
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% APR for 6 Months Free 6.50% $35 Average Balance Transfers: YES Issuer: Pulaski Bank Rating:

	Blue Sky from American Express®
	0% Intro APR for Up to 12 Months on Purchases Low Balance Transfer Rate - 2.99% for 12 Months Earn 1 Point for Every Dollar You Spend Points Good on Any Airline, Hotel, Car Rental, and More No Blackout Dates or Travel Restrictions Express Approval. Get a Decision in Less Than 60 Seconds.
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% APR for Up to 12 Months Free As low as 11.99% $0 Average Balance Transfers: YES Issuer: American Express Rating:

	Capital One® No Hassle Miles(SM) Rewards - Good Credit
	Earn 25% More Than Regular Mileage Cards With 1.25 Miles for Each Dollar Spent on Purchases There's No Limit to the Miles You Can Earn and Your Miles Won't Expire There Are No Blackout Dates and No Seat Restrictions Save with a 0% Intro APR on Purchases Until January 2010 No Annual Fee *See Capital One® Important Disclosures for More Information
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% on Purchases Until January 2010 Free 13.90% $0 Good Balance Transfers: YES Issuer: Capital One Rating:

	Capital One® No Hassle Miles(SM) Rewards For Travel & Gas
	More Miles - Earn 3 Miles Per Dollar Spent on Travel and Gas Purchases Earn 1 Mile Per Dollar For All Other Purchases No Annual Fee Unrestricted Travel - Fly Any Airline, Anytime, Anywhere, With No Blackout Dates and No Seat Restrictions No Expiration Date - Rewards Don't Expire For the Life of Your Account *See Capital One® Important Disclosures for More Information
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% on Purchases Until January 2010 Free 9.90% $0 Excellent Balance Transfers: YES Issuer: Capital One Rating:

	Capital One® Platinum Prestige - Visa®
	Save With a 0% Intro APR Until January 2010 on Purchases and Balance Transfers Then Enjoy a Variable APR, Now 8.9% Save Time and Money by Transferring Higher-Rate Balances So You Can Make One Easy Payment Each Month No Annual Fee *See Capital One® Important Disclosures for More Information
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% APR on Purchases and Balance Transfers Until January 2010 Free 8.90% $0 Excellent Balance Transfers: YES Issuer: Capital One Rating:

	Capital One® Platinum
	Buy What You've Been Dreaming of And Pay No Interest Until June 2009 on Purchases Save with a Low Non-Intro Variable APR, Currently 8.9% Know You Are Protected with $0 Fraud Liability If Your Card Is Ever Lost or Stolen Exclusive Savings: Up to 40% Off Featured Deals and 10% Savings on Everything Else at Capital One® Saving Zone(SM) on Yahoo! Shopping *See Capital One® Important Disclosures for More Information.
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% on Purchases until June 2009 Free 8.90% $39 Average Balance Transfers: YES Issuer: Capital One Rating:

	Capital One® Platinum - Visa®
	Buy What You've Been Dreaming of And Pay No Interest until June 2009 on Purchases Save with a Low Non-Intro Variable APR, Currently 8.9% Know You Are Protected with $0 Fraud Liability If Your Card Is Ever Lost or Stolen Exclusive Savings: Up to 40% Off Featured Deals and 10% Savings on Everything Else at Capital One® Saving Zone(SM) on Yahoo! Shopping *See Capital One® Important Disclosures for More Information.
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% on Purchases until June 2009 Free 8.90% $39 Average Balance Transfers: YES Issuer: Capital One Rating:

	IberiaBank Visa® Platinum Rewards Card
	Earn 1 Bonus Point For Every $1 In Qualifying Net Retail Purchases Turn Your Points Into Hotel, Gift, or Experiential Rewards Travel Accident Coverage Up to $1,000,000 No Annual Membership Fee 0% Introductory APR on Balance Transfers for Your First 6 Billing Cycles - Applies to Balance Transfers Processed Within 3 Months of Your Account Open Date No Transaction Fee for Balance Transfers 25 Day Grace Period Online Access to Credit Card Account Information
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% APR for 6 Months Free As low as 8.00%* $0 Good to Excellent Balance Transfers: YES Issuer: IberiaBank Rating:

	IberiaBank Visa® Classic Card
	No Annual Membership Fee 0% Introductory APR on Balance Transfers for the First 6 Billing Cycles - Applies to Balance Transfers Processed Within 3 Months of Your Account Open Date No Transaction Fee for Balance Transfers 25 Day Grace Period Online Access to Credit Card Account Information
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% APR for 6 Months Free As low as 7.00%* $0 Average Balance Transfers: YES Issuer: IberiaBank Rating:

	Pulaski Bank Gold Visa® Card
	Fixed Rate APR of 8% No Annual Membership Fee 0% Introductory APR on Balance Transfers for the First 6 Billing Cycles. Applies to Balance Transfers Processed within 3 Months of Your Account Open Date No Transaction Fee for Balance Transfers 25 Day Grace Period Online Access to Credit Card Account Information
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% APR for 6 Months Free 8.00% $0 Good Balance Transfers: YES Issuer: Pulaski Bank Rating:

Comparing and Choosing the Best Balance Transfer Credit Cards

Your goal is to transfer your credit card debt from a higher interest credit card to a lower interest credit card or to consolidate and transfer all your credit debt onto one low interest credit card.  These are some of the issues you need to consider when you are comparing balance transfer credit card offers whether you are considering a low interest card or a card with a 0% introductory offer. All of this information can be found in the "terms and conditions" section of the credit card application contract.

1. Is the low interest rate an introductory rate that will only last for a short amount of time or will it apply to the full life of the transfer until the initial transfer amount has been fully paid off.
2. Once the introductory period is over what is the regular ongoing interest rate you will be charged.
3. If this is a credit card you will also be adding new purchases to, then be sure the low APR interest credit rate or 0% introductory APR interest rate is also applied to new spending.
4. If the credit card allows for low interest or a 0% introductory offers on both transfers and new spending, are these offers applicable for the same amount of time, for example a 0% introductory offer may apply to balance transfers for 12 months and new purchases for only 6 months.
5. Find out if there are certain things that may trigger a higher interest rate such as a late payment or a required minimum payment. 
6. Are there additional fees involved in the balance transfer credit cards you are considering? There may be yearly maintenance fees, flat fees or percentage fees (1% to 3% usually) charged for moving a balance from one credit card to another.
7. Make the transfers within the transfer time period allowed by the bank or there may be additional fees.
8. Look to see if there is a limit to the number of balances that can be transferred from other cards.

If you have a large debt and don’t think you’ll be able to pay it off before the end of the 0% introductory offer period, you’ll probably be better off going for a low "life of the balance" credit card instead.

 

If you continually move your credit card debt from one 0% interest credit card to another in order to avoid paying any interest on your debt it may spoil your credit score. The best advice for improving your credit rating is to stick with one balance transfer credit card or low interest credit card and pay off the balance gradually each month without making any late payments until the debt balance is fully paid off.

 

See other Low Interest Rate Credit Cards

Low Interest Credit Cards  0% APR Credit Cards

 

 

 

 

 

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