How To Find Balance Transfer Credit Card Deals
There is a myriad of balance transfer credit card deals out there – you just have to know how to sift through all the offers and find the best ones. Obviously, balance transfers are made to consolidate debt, thus saving money on interest payments. Finding a card with an introductory 0% interest rate is a good way to transfer balances.
Among the good deals are the Citi Simplicity Card, the Citi Platinum Select MasterCard, the Platinum Prestige Credit Card by Capital One, the Citi Platinum Select Visa, the Chase Freedom Visa, and others. One balance transfer credit card that goes with a zero introductory rare during the first 21 months is the Citi Platinum Select Visa, with a standard interest rate between 11.99 percent and 20.99 percent. You will not carry liability on unauthorized purchases. Only applicants with excellent credit are considered for this card.
A good choice of a low interest credit card is the Platinum Prestige Credit Card by Capital One. You will not be charged interest on purchases and balance transfers until November 2012. There is no annual fee on this card. You can get a cash advance and a replacement card within 24 hours if the card is lost or stolen. You get travel accident insurance, and you can pick the image you want for your card. There are hundreds of options, or you can add your own. You also need excellent credit for this card.
The Citi Platinum Select MasterCard is featured with 0 interest on purchases and balance transfers during the first 21 months You get discounts on travel, gift cards, and merchandise. Zero annual fee is charged.
Chase Bank has two types of such balance transfer credit cards. One is the Freedom visa with $50 cashback while the other goes with $100 cashback. The former features zero interest on balance transfers in the first year and on purchases in the first six months. After these periods expire, the annual interest rate increases to the range of 9.99 percent – 22.99 percent. The first purchase on this card earns a cash back bonus. You also get 5 percent back on all amounts spent on gas, hotel, and airline purchases up until September 30 up to $1,500. You are entitled to up to 10 percent cash back on purchases made at participating stores. You can redeem cash back rewards at any time. Excellent credit is required to apply for this card.
The other Freedom option by Chase Bank – the $100 back – features the possibility of getting this money back after the first $500 charged to the card in the first 90 days. Some of the features are identical to those of the first card – for example, the zero interest on balance transfers in the first year and on purchases in the first six months. Purchases at participating department stores, grocery stores, home repair stores, and restaurants earn 5 percent back. The interest rate increases to 11.99 percent or over after the introductory period.
Learn more about balance transfers programs at balance transfers credit cards.
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