Here are a few credit cards that offer a 0 percent balance
transfer, some for 12 months and most with no annual fee.
Discover Card is even offering one for 18 months! They are
offering cash back as well, but you really don't want to charge
on your credit card
while you have a zero balance transfer in the works because your
payments will be applied to the 0 percent charges and not the purchases
with the higher percentage, well not
While you want to get a good balance
transfer rate for more than 6 months if possible, assuming you
carrying a balance beyond that, you also want your regular
purchase rate to be reasonable too so when that period is over you
won't have to transfer the balance again and play the transfer
roulette, as I call it.
The credit cards
below have both of these features. Of course the Apr's and
time of special rates may vary, depending on your credit score. My
absolute favorite is when the credit card company offers a special
low rate until your balance is paid in full, but these days those
are hard to come by. You can certainly ask, though. I've found
that they don't always promote it as much as the
balance transfers because they stand to make more money from you
with the latter.
The best way to go about this is to transfer to a card with
no balance. If you are transferring to a card that currently has
a balance, then try to pay off as much as you can first before
transferring. Find out what to do and not do when taking
balance transfer offers.
There's also a search table below, where
you can put in any criteria you want to find the
perfect card for you.
Click here for
best low rate credit cards,
cash back credit cards, or
travel reward credit cards
Here's one with a low initial transfer rate currently 1.99%, but they have pretty good purchase rates as well, and no annual fee, so I'm going to list
it here for you as another option.
Click here for a few
secured credit card offers if your credit isn't so great, but not terrible either. They have decent interest rates.
Search for any kind of credit card you want: