- #Balance transfer credit card full
- #Balance transfer credit card plus
- #Balance transfer credit card free
Depending on your interest rate, that can make it difficult to make progress on your credit card debt.īy taking the interest out of the equation, you’re able to continue to make the same payments - or higher ones if you can swing it - and see a much greater and faster reduction of your debt. When you have a balance on a credit card that charges you any amount of interest, as little as 1% of your monthly minimum payment could be applied to your balance, and the rest pays for the interest accrued for that month. What this does is buy you some time to ensure every monthly payment you make is applied to the balance of the card, rather than interest. If there is still a balance, you can do the same thing all over again with a new 0% intro APR balance transfer card if you qualify for one. Once the debts are paid with your new card, you make monthly payments aimed at reducing that total amount by the time the introductory period is over. Then, you work with the issuer to use your available credit to pay off other high-interest debts you may have. With a balance transfer, you open a credit card account that offers a long introductory period at 0% intro APR.
#Balance transfer credit card plus
You will earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases, which can lower your transfer balance.įor more details, check out our Citi Double Cash review. However, if you charge items you would normally pay for in cash to this card, then pay that balance off right away, you can take advantage of Citi’s cash back feature. Generally, we don’t recommend making additional purchases on a card you transfer balances to. The balance transfer fee is 3% of each balance transfer ($5 minimum) within 4 months of account opening then 5% of each transfer ($5 minimum) after the 4 month intro period ends. Not only do you get 18 months of a 0% intro APR on transfers made within the first 4 months of opening the account (then 18.99% - 28.99% (Variable)), you also get cash back on your day-to-day transactions and a $0 annual fee. The Citi ® Double Cash Card has a lot going for it if you’re looking for a balance transfer option. What sets this card apart is its access to Citi Entertainment with access to tickets, VIP packages and events along with access to Citi Concierge service.įor more details, check out our Citi Diamond Preferred review.
The balance transfer fee is 5% of each balance transfer ($5 minimum). The Citi ® Diamond Preferred ® Card is similar to the Citi Simplicity in that it has a lengthy balance transfer 0% intro APR period of 21 months (then 17.99% - 28.74% (Variable)). museums on certain dates.įor more details, check out our BankAmericard review.
#Balance transfer credit card free
This card has an annual fee of $0 and offers free admission to selelct U.S. The balance transfer fee is 3% of the amount of each transaction. The BankAmericard ® credit card has an impressive transfer period of 21 billing cycles for any qualifying balance transfers made in the first 60 days with a 0% intro APR on transfers (then 15.99% - 25.99% Variable).
#Balance transfer credit card full
Overall, this is a solid card to investigate.įor more information, read our full Citi Simplicity Card review. You can also choose your payment due date, which makes monthly budgeting easier. This card comes with a $0 annual fee, no late payment fees, and no penalty APR rates. Transfers need to be completed within the first 4 months of opening the account for the introductory APR to apply. The balance transfer fee of 3% of each balance transfer ($5 minimum) within 4 months of account opening then 5% of each transfer ($5 minimum) after the 4 month intro period ends, is within the norm of what credit cards typically charge. Citi Simplicity ® CardĪt a whopping 21 months, the Citi Simplicity ® Card has a very long 0% introductory APR (then 18.99% - 29.74% (Variable)). This card comes with a $0 annual fee, cell phone protection and roadside dispatch benefits.įor more information, read our full Wells Fargo Reflect Card review. The Wells Fargo Reflect ® Card has a very long intro APR period of 21 months from account opening on qualifying balance transfers with an 0% introductory APR (then 17.99% - 29.99% variable). The final word on balance transfer cardsĠ% for 21 months from account opening on qualifying balance transfers, then 17.99% - 29.99% variableĠ% for 21 months, then 18.99% - 29.74% (Variable)ģ% of each balance transfer ($5 minimum) within 4 months of account opening then 5% of each transfer ($5 minimum) after the 4 month intro period endsĠ% for 21 billing cycles for any qualifying balance transfers made in the first 60 days, then 15.99% - 25.99% VariableĠ% for 18 months, then 17.99% - 28.74% (Variable)Ġ% for 18 months, then 18.99% - 28.99% (Variable).
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