Keeping up with credit card deals is not easy. But if you’re looking to transfer your credit card balances from high-interest cards to ones that offer more attractive introductory interest rates, we have the fix!
We have compiled the top ten list of credit card offers for those seeking the best balance transfer terms. Keep in mind that with each of these offers, your final interest rate and credit limit will depend on your credit score and other factors.
- Citiâ Diamond Preferredâ Card. 0% introductory interest rate on purchases and balance transfers for a full 12 months, and a variable APR as low as 9.99% after that. Also offers a low balance transfer rate of just 3%.
- Citiâ Platinum Selectâ MasterCardâ. 0% introductory rate on balance transfers and purchases for 7, 12, or 18 months, based on your credit rating, then as low as 9.99% after that. Also has a low balance transfer rate of just 3%.
- Citiâ CashReturnsâ Card. Offers 0% interest on balance transfers and purchases for the first 7, 12, or 18 months, based on your credit rating, then as low as 12.99% after that. Also has a low balance transfer rate of just 3%.
- Discoverâ Moreâ Card. Offers 0% introductory rate on balance transfers for 12 months, a 0% interest rate on purchases for 6 months, and a variable APR as low as 11.99% after that. Offers a lower balance transfer rate of 4% if you transfer a balance when submitting the application, then a higher 5% rate after that ($10 minimum).
- Citiâ Forwardâ Card. 0% interest on purchases for 7 months and balance transfers for up to 12 months, with a variable APR of 12.99% after that. Also has a low balance transfer rate of just 3%.
- Discoverâ Moreâ Card – Black. Offers a 0% introductory rate on purchases for 9 months and balance transfers for a full 12 months, and a variable rate as low as 12.99% following. Comes with a higher balance transfer fee of 5% ($10 minimum).
- Bryant State Bank MasterCardâ. Charges 3.25% interest on balance transfers for the first 6 months, then 11.25% after that. Also has NO balance transfer fee. Annual Fee is $20.
- and 9. Discoverâ Miles Card and the Discoverâ Moreâ Card – Wildlife Collection. Both cards offer 0% interest on purchases and balance transfers for the first 6 months, then a variable rate as low as 11.99% after that. They also offer a low balance transfer rate of 3% when submitted on the application, 5% after that (with a minimum $10 fee).
10. American Express Starwood Preferred Guestâ Credit Card. Charges 2.9% interest on purchases and balance transfers for the first 6 months (provided that you transfer the balance within 30 days of opening the account) and 15.24% after that. Annual Fee of $45 is waived for the first year. Offers a low balance transfer rate of 3%.
