Transfer Your Balance And Enjoy Interest-Free Savings With These Top Cards
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Transfer Your Balance And Enjoy Interest-Free Savings With These Top Cards
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Are you carrying a balance on a high-interest credit card? If so, you could be paying hundreds or even thousands of dollars in interest charges every year. But there's a way to save money and pay off your debt faster: transfer your balance to a credit card with a 0% introductory APR offer.
A 0% introductory APR offer means that you won't be charged any interest on your balance for a certain period of time, typically 12 to 21 months. This can give you a much-needed break from interest charges and allow you to focus on paying down your debt.
How to Choose a Balance Transfer Card
There are a few things to consider when choosing a balance transfer card. Here are a few of the most important factors:
- Length of the introductory APR period: The longer the introductory APR period, the more time you'll have to pay off your balance without interest.
- Balance transfer fee: Some cards charge a balance transfer fee, which is typically 3% to 5% of the amount you transfer.
- Regular APR: Once the introductory APR period ends, your regular APR will apply. Make sure you know what the regular APR is before you apply for a card.
- Credit score requirements: Some cards require good or excellent credit, while others are available to people with fair credit.
Top Balance Transfer Cards
Here are a few of the top balance transfer cards available today:
| Card | Introductory APR Period | Balance Transfer Fee | Regular APR | Credit Score Requirements |
|---|---|---|---|---|
| Citi® Double Cash Card | 18 months | 3% | 15.49% - 25.49% Variable | Good to Excellent (670-850) |
| Wells Fargo Reflect℠ Card | Up to 21 months | 3% | 14.49% - 26.49% Variable | Good to Excellent (670-850) |
| Chase Slate Edge℠ | 18 months | None | 20.49% - 29.24% Variable | Good to Excellent (670-850) |
| Bank of America® Customized Cash Rewards credit card | 15 months | 3% | 14.74% - 24.74% Variable | Good to Excellent (670-850) |
| Discover it® Balance Transfer | 15 months | 3% | 13.49% - 24.49% Variable | Good to Excellent (670-850) |
How to Transfer Your Balance
Once you've chosen a balance transfer card, you can start the process of transferring your balance.