Balance Transfer Cards FAQS

First of all try to negotiate a lower interest rate with the bank you currently have your credit card at. If you cannot get a lower APR with them, shop around for 0% balance transfer credit cards. Visit our Balance Transfer Cards page. Just keep in mind that these applications require good or excellent credit history. Best cards for balance transfers are offers with 0% APR for the introductory period. You can get 0% interest rate for 6 or 12 months, depending on a particular card, or sometimes even for 18 months. Keep in mind balance transfer fees, they are usually 3-4% of the transferred balance. Do not forget to compare other features – annual fee, Purchases APR, rewards, etc. Use...

There are balance transfer credit cards that do not charge a fee for transferring balances, but they usually do not have an introductory 0% interest rate. Majority of cards charge you a balance transfer fee equaling 3-4% of the transferred amount, but they do provide 0% APR for an introductory period of 6-12 months. You can also now find credit cards with 18 month introductory period. You can view best offers on our Balance Transfer Cards page. There you can also find a balance transfer calculator to choose a credit card with low rate on balance transfers that will work best for you.