Balance Transfer Credit Card Deals

Discover® Card Discover it® 0% intro APR on balance transfers for 18 months-then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance. 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. Rated 4.8 out of 5 Stars by over 4,000 cardmembers.± Apply Online!

Capital One® Capital One® Platinum Prestige Credit Card Get 0% intro APR on all purchases until November 2015. Balance transfers also have a 0% intro APR until November 2015, a 3% fee applies to each balance transferred. Enjoy no annual fee. Apply Online! or (866) 627-0081

Capital One® Capital One® Quicksilver® Cash Rewards Credit Card One-time $100 bonus after you spend $500 on purchases within the first 3 months. Earn unlimited 1.5% cash back on every purchase, every day. No rotating categories and no sign ups needed to earn cash rewards. Apply Online! or (866) 627-0081

Citibank Citi Simplicity® Card 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness. There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. No late fees - EVER. Apply Online!

The Longest 0% APR Period for Balance Transfer

Citibank
Citi® Diamond Preferred® Card

• Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.²⁶
• There is a balance transfer fee of either $5 or 3% of the amount of each transfer.

see details

	Bank Name Card Name	Intro APR Bal.Tr. (Intro Period)	Intro APR Purch. (Intro Period)	APR %	Balance Transfer Fee	Annual Fee	Apply Details
	Capital One® Capital One® Card Finder Tool	See terms	See terms	Various Rates	See terms	See terms	Apply Online See details
	Discover® Card Discover it® chrome	0% (18 months)	0% (6 months)	10.99% - 22.99% Variable±	3%±	$0	Apply Online See details
	Citibank Citi Simplicity® Card	0% (18 months)26	0% (18 months)26	12.99% - 21.99% (Variable)	3% ($5 min)	$026	Apply Online See details
	Barclays Bank Delaware Barclaycard® Ring MasterCard®	n/a	n/a	8.0%* (Variable)	$0	$0	Apply Online See details

Credit balance transfer allows debtors to move the money they owe on their current credit cards to other, usually at a special rate of interest. When you shift your credit, the new credit company pays off the old debt and transfers it to the new card with lower interest. Keep in mind, the best balance transfer credit deals are those offering fixed low ongoing APR or a long (from 6 up to 12 months) introductory period within which you will be free from any interest payments. So, read carefully credit card applications in order to choose the right offer.

Another thing to consider is balance transfer fee. Many banks offer credit deals with zero fee for balance transfer, but don`t give up the idea to move your debt onto a plastic with the lowest interest if there is some fee. Consider these offers, because the money you can save by having reduced interest rates will invariably outweigh any one-time nominal fee that may be required.

A balance transfer deal can be very beneficial and will certainly help you to manage your debt, but before signing a contract, pay attention to all terms and conditions to understand clearly what you are getting into. First of all, make sure that your credit balance will be transferred fully, not partially. Remember, if you apply for a balance transfer and you are not approved for a credit limit high enough to accommodate your entire debt, you will end up with two credit card bills instead of just one. Your aim is to get a balance transfer and simplify your life and, of course, to save some money in the process. If you apply for a balance transfer but only qualify to get part of your debt transferred, you won't achieve your initial goal to ease your financial situation, on the contrary, you will make it worse.

One more thing to pay attention to is an interest rate. It is better to apply for a plastic with lower ongoing APR, but you can benefit from a credit offer with 0% intro APR as well. This introductory period with 0% Intro APR will let you start paying off your principal debt without being charged any additional interests. But make sure that after the introductory period will be over, these interests won't shoot up or, instead of a profitable credit deal, you will get a plastic with unmanageable interests.

Paying close attention to all these terms, you will avoid many possible mistakes and get the credit deal that will satisfy you to the full. Our site is ready to help you to make the right choice and offer you the best balance transfer credit cards available online. According to your credit history you can get a plastic with no annual fee, 0% Intro APR, or bonus points.

If you have managed to establish a good credit history, you deserve more in return for your efforts than a nice score on your credit report. Apply for Blue from American Express and you will get all the rewards you deserve. As a Blue holder, you will have access to the Blue Membership Rewards Express program that offers you the opportunity to earn points, which can then be redeemed for various products and services. There is absolutely no limit on the points that you can earn, and you'll never have to worry that your points will disappear before you can make use of them-they will never expire.

Now, when you know all the pros and cons of balance transfer credit cards, you can easily make the choice. Make your own credit offers research and apply for a suitable one online!