Immediate credit card care service

Nowadays most lenders impose a balance transfer fee - 3% of the transferred amount. But "most" doesn't mean "all". You can still find some offers with no balance transfer fee on the market. There are three best credit cards for consumers wishing to move their balances without any additional charges:

All credit cards that we offer on our site are good. We deal with the largest and most reputable credit companies in the U.S. and select their best offers. Our experts regularly analyze all credit card features and rate the applications - "Great choice for balance transfers", "Best rates for everyday purchases" and so on.

Keep in mind that offers for bad or fair credit history cannot be as profitable as offers for good or excellent score. The reason is simple - such customers are considered high risk. But it doesn't mean that you have to be at disadvantage! On our site you can find attractive offers for each type of score. The more points you have, the more freebies and privileges they provide.

If your score is excellent or good, then pay attention to More® Card from Discover®. It comes with a zero introductory APR on balance transfers and purchases, no annual fee and a lucrative cash back program.

If you have fair score, than your good choice is Platinum card from Capital One®. It offers a 0% interest rate on purchases and a low ongoing APR. These features will help you significantly reduce your borrowing costs!

Customers with bad rating can take advantage of Centennial Gold MasterCard®/Visa from First PREMIER® Bank. Its main benefits are a low APR on purchases, an extendable spending limit and an instant response. The bank monthly reports to 4 major credit bureaus, so you will be able to improve your credit score if you use your plastic wisely.

You can apply for a credit card even if you have no credit history. But you need to select the right offer to get approved. Start building your credit with Capital One Bank! It provides a number of credit cards designed for young adults who have no or "limited" credit history. Consider applying for Platinum - Visa card. It is an excellent match for people who are looking for a manageable credit line and low interest rates. But keep in mind that you need to have a job and stable income to qualify.

If you are a student, your good choice is Citi® Dividend Platinum Select® Card for College Students from Citibank. You'll enjoy no annual fee, 0% intro rates and a lucrative cash back rewards program. You can also manage your account online, set up automatic payments and put your own photo on the card.

In case you are not a student and you do not have stable income, we offer you to start up with a secured credit card. Pay attention to Secured Visa® Credit Card issued by Applied Bank®. It is easier to qualify for this plastic because you compensate for high risk by depositing money into a savings account. The amount of deposit will be your spending limit. A secured card helps build credit quickly because it reports to the major credit bureaus.

Cash back program is an excellent feature that can make your plastic very profitable. The rewards will help you eliminate a part of your debt or cover some borrowing costs.

There are many tempting cash back offers on our site, so it can be difficult to find the most suitable one. We have chosen 3 credit cards that can help you achieve your financial goals.

Blue Cash® card from American Express suits people with good to excellent credit. You can earn up to 5% cash back on everyday purchases made at U.S. supermarkets, gas stations and drugstores, and 0,5 -1,5% on all other purchases. Plus, the card offers a 0% introductory APR on purchases for up to 12 months and no annual fee.

No Hassle CashSM Rewards card from Capital One® is designed for people with a good credit score. You can get 2% cash back on the purchases made at major grocery stores and gas stations and 1% cash back on all other purchases. There's no limit to the amount of the rewards you can earn. Such features as no annual fee and a long 0% introductory rate will help you pay off your debt with minimal additional expenses!

Citi CashReturnsSM Card from Citibank requires good or excellent credit rating. You can earn 1% cash back on every purchase you make and 5% additional cash back at 400 popular merchants within the Citi Bonus Cash Center. Moreover, the bank offers a 20% bonus on the cash back rewards that you earned during the first twelve months. It will help you fatten your savings!

The results of your credit check are very surprising. The difference between your scores is very significant. Typically, it is 10-30 points. In your case it is nearly 150! According to the first result, you have good credit. The second score shows that your score is poor!

Due to this strange difference, it is very difficult to offer you a suitable credit card. We don't know what score the lenders will take into consideration. If we offer you a card for good credit, but the bank decides that your score is poor, you may not qualify.

The best solution for your situation is to request your credit reports from all 3 credit bureaus and check the information carefully. You need to understand why your scores have such a big difference. You may find errors, out-of-date information and even accounts that you didn't open.

Then, we guess that one of the credit scores you noted is not FICO. Some credit bureaus have their own scoring formulas, for example VantageScore. Find which credit score is FICO and choose an application according to it.

If you have 660-749 points, it means that your credit is good. Consider Citi® Platinum Select® Card® from Citibank. It has a very low finance charge. You will enjoy no annual fee and zero introductory rates on balance transfers and purchases. They last up to twelve months.

If you have 620-259 points, then you have fair credit. In this case your best choice is Capital One® offers. Pay attention to Classic Platinum card - it has a low annual fee and a competitive APR.

Having 350-619 points mean that you are eligible for bad credit offers. One of the best cards in this group is Centennial Gold MasterCard®/Visa from First PREMIER® Bank. Its main advantages are an extendable spending limit and a low APR on purchases. The bank monthly reports to 4 major credit bureaus, so you will have an opportunity to improve your rating.

You can find a suitable offer even if you are a beginner in the credit card world. Capital One Bank provides applications for people with no credit history. However, you need to have a stable income and at least some minimal score to qualify. Pay attention to Platinum - Visa card from Capital One®. It features a zero APR on purchases and a low ongoing interest rate. Plus, you can save up to 40% on featured deals at the Capital One Saving Zone.

If you are a student, you can choose an offer from a broad array of student credit cards. Consider Citi® mtvUTM Platinum Select® Visa® Card for College Students from Citibank. It comes with no annual fee, 0% introductory rates and a fantastic rewards program matching young people's needs, interests and lifestyle. You will earn 5 points for every dollar you spend at restaurants, record stores, bookstores, movie theaters and video rentals stores. The points can be redeemed for gift cards, MTV events, and airline tickets.

If you are not a student and don't have a job, you can start up with a secured credit card, for example Secured Visa® Credit Card issued by Applied Bank®. It has no credit and income requirements because you compensate for high risk by making cash collateral deposit. The lender reports to the major credit bureaus, so you will be able to establish and build your credit.

Although most major issuers feel more comfortable dealing with customers with a solid FICO score, there are also banks that provide applications for people with no credit. These plastics are designed on unsecured basis. They may come with reasonable fees and interest rates as opposed to bad deals. That will make the process of building credit easier! And hopefully by starting with such a plastic you can develop good money management habits that will ensure your successful financial future!

Look at Platinum - Visa card issued by Capital One®. This offer comes with a zero introductory APR on purchases and a low ongoing interest rate afterwards. However, you need to have a job and some minimal score to qualify.

If you are a student, you can apply for Citi® Dividend Platinum Select® Card for College Students from Citibank. This card features no annual fee, cash back rewards program and low interest rates. You'll also enjoy free online account management and bill payment service.

Moving a balance from a high-interest credit card to a less-costly plastic is a good decision for people who want to pay off their debt sooner. Why spend hundreds of dollars on interest payments when you can use your money more efficiently? You can even consolidate your two debts on one plastic. It will simplify your money management - you will have only one monthly payment rather than several ones to worry about.

The best balance transfer credit cards are designed for people with good to excellent credit score. Look at More® Card from Discover®. It offers a zero introductory rate on balance transfers, no annual fee and cash back rewards. But keep in mind that you need to pay a balance transfer fee. It is 3% - less than $100 if you transfer both balances.

Clear card from American Express® has no balance transfer fee, no annual fee, no cash advance fee, no late fee and no overlimit fee. It features a low fixed APR on balance transfers and a cash back program.

If you have average score, than your perfect choice is Platinum card from Capital One®. Contrary to most other offers, this card has a profitable low interest rate.

If you don't know your credit score, there are several ways to find it out. You can request your credit report from the three major credit bureaus - Equifax, Experian and TransUnion. By law, they must give you access to your credit report once a year at no charge. Plus, there are numerous small agencies that provide the same service for a fee.

When you get a copy of your credit report, make sure that you truly have no score. You can find that because of a cell phone account or a car loan, you actually do have some entries in your credit file. It maybe just a couple of payments, but it is better than nothing.

The next step is to apply for an appropriate credit card. You can't live on a cash-only basis if you want to build a solid FICO score! You need to show a borrowing and payment activity in order to get your report updated.

If you have 0-349 points, it means that you have no credit history. The lack of financial experience is always associated with higher borrowing costs. But don't give up. On our site you can find offers that will help you improve your credit score at affordable terms! Consider applying for Platinum - Visa card from Capital One®. It offers low interest rates and exclusive shopping discounts. But keep in mind that you need to have a stable income and some FICO points to qualify for this card.

If you do not have any payment records, then you can apply for a secured card. You will be approved regardless of your income and score! Pay attention to Secured Visa® credit card from Applied Bank®. It comes with an extendable spending limit and a low fixed interest rate on purchases! You will have to secure the card with a cash collateral deposit that will be equal to your spending limit.

People with 350-619 points are eligible for bad credit offers. Look at MasterCard®/Visa from First PREMIER® Bank. There is no need to worry whether your application is approved or not - you will receive a response in 60 Seconds! The bank monthly reports to 4 major credit bureaus. It will help you build a solid credit score if you use your plastic wisely.