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Top Credit Cards of with Low Interest and Balance Transfer

BankAmericard Credit Card

Struggling to pay interest charges? There is a solution for your problem! Apply for one of the cards described below – they have no APR. Moreover, the cards allow you to carry out balance transfer operations for free!

General overview of the cards:

BankAmericard® Credit Card

The most beneficial card to have in terms of its cost-effectiveness – BankAmericard® Credit Card:

BankAmericard® Credit Card

  • No annual fee to pay

 

Citi Simplicity® Card – No Late Fees Ever

The most beneficial card to have in terms of a long APR Special Offer period – Citi Simplicity® Card – No Late Fees Ever:

Citi Simplicity Card - No Late Fees Ever

  • The bonus period lasts for 21 months. During this period, you’re not charged any annual fees.
  • Standard APR that occurs after the “bonus” period varies from 14.99% to 24.99%.

Discover it® – 18 Month Balance Transfer Offer

The most beneficial card to have in terms of getting a long-term value – Discover it® – 18 Month Balance Transfer Offer:

Discover it - 18 Month Balance Transfer Offer

  • The “bonus” period during which you’re not expected to pay any annual fees amounts to 18 months.
  • Standard APR that occurs after the “bonus” period varies from 11.99% to 23.99%

Chase Slate®

The most beneficial card to have in terms of a great average credit – Chase Slate®:

Chase Slate

  • The “bonus” period during which you’re not expected to pay any annual fees amounts to 15 months.
  • Standard APR that occurs after the “bonus” period varies from 15.99% to 24.74%.

The most beneficial card to have in terms of its cost-effectiveness – BankAmericard® Credit Card

BankAmericard® Credit Card

General description:

  • Bonus period during that no APR applies – 15 months. The balance transfer operations carried out during the period of the first 60 days are also made for free. The charges won’t apply for the 15 months as well.
  • Standard APR varies from 12.99 to 22.99%. In order to see information on the Cash Advance APR, read through the corresponding terms.
  • No annual fee.
  • Special Offer: No offer for this card.

More information on the card:

  • No APR for any kind of purchases made during the first 15 months of you using the card.
  • No APR in terms of balance transfer operations carried out within the first 60 days for 15 months. After that, the fee of 3% will apply. The minimal fee amounts to $10.
  • No annual fee to pay.
  • The card implies no Penalty APR. Even if you fail to pay off on time, your interest rate won’t be increased. Bear in mind that other costs and terms may apply to your account.
  • You can see your FICO® Score online or via the official mobile app. The access is granted for free.
  • Find out whether you qualify for the card on the official website of the emitting bank.

The card will be especially beneficial for:

The card meets the needs of those who need to pay off their debt without having to pay high interest or any other charges.

Advantages

The card is ideal for those struggling to pay off the debt they currently have. The thing is that it implies no annual fee, a very long “bonus” period during which you’re not expected to pay any APR and free balance transfer operations. The last two features mentioned will last only for 15 months. However, the period is more than enough if not for repaying your debt completely, then for at least decreasing it significantly. The crux of the matter that you’ll be using the card without being obliged to pay any interest. Besides, you are also provided a free access to your FICO score.

Disadvantages

The obvious drawbacks are that you won’t win any rewards when paying with the card and that you’re unable to transfer the sums you have on another Bank of America® account to this one.

Conclusion

If you are in a need of decreasing the sum of the debt you currently have, the card is one of the best you can find.

The most beneficial card to have in terms of a long APR Special Offer period – Citi Simplicity® Card – No Late Fees Ever

Citi Simplicity Card - No Late Fees Ever

General description:

  • Bonus period during that no APR applies – 21 months. The period concerns both your purchases and balance transfer operations.
  • Standard APR varies from 14.99 to 24.99%.
  • No annual fee.
  • Special Offer: No offer for this card.

More information on the card:

  • This is truly a one of a kind credit card. It has no penalty or annual fee.
  • Once your “bonus” period is over, the APR of 14.99-24.99% will apply. The bonus period lasts for as long as 21 months. The rate that applies in your case depends on your creditworthiness.
  • The minimal balance transfer fee amounts to $5.
  • The rate of balance transfer fees is unchangeable after the bonus period.
  • The customer support service is available 24/7.
  • You’re in charge when it comes down to scheduling your payment’s due date.

The card will be especially beneficial for:

The card is beneficial for those who need more than 18 months to decrease the debt they have.

Advantages

The card is very advantageous from the point of view of its long “bonus” period. It allows you to focus on decreasing your debt and not the interest. Besides, you can also transfer sums you have on other accounts to this one if necessary.

Disadvantages

The worst thing about the card is that it actually charges the balance transfer fee of either $5 or 3% depending on which one turns out to be higher. The card doesn’t allow you to earn any rewards.

Conclusion

The card is the best solution if you are desperate to decrease your current debt. The long “bonus” period makes it your NUMBER ONE choice.

The most beneficial card to have in terms of getting a long-term value – Discover it® – 18 Month Balance Transfer Offer

Discover it - 18 Month Balance Transfer Offer

General description:

  • Bonus period during that no APR applies – 6 months in terms of the purchases carried out and 18 months in terms of balance transfer operations made.
  • Standard APR varies from 11.99 to 23.99%. Cash Advance APR amounts to 25.99% but is also variable.
  • No annual fee.
  • Special Offer: The card allows you to get cash back for all the purchases you make. The cash back will be automatically credited on to your account in the end of the 1st year.

More information on the card:

  • A very appealing special offer to take advantage of.
  • You can get a cash back of 5% for making purchases on Amazon and Target. The offer expires in January 2018. All other purchases will win you a cash back of 1%.
  • Your reward is not expected to expire anytime. You can redeem it whenever you wish.
  • The customer support service is based in the US.
  • You can get Credit Scorecard for free. You’ll also get FICO® Credit Score. You’ll able to get additional information concerning the number of recent inquiries and other useful information.
  • You get alerts each time you visit suspicious websites. The feature is new. There is a special monitoring system that looks out for the websites that are dangerous to visit.
  • You don’t have to pay any annual fee for using the card.
  • If you want to get more information concerning the rates and other terms, click on the “APPLY NOW” button.

The card will be especially beneficial for:

The card is beneficial for those who want to have ONLY ONE CARD for everything they need to do.

Advantages

The thing that often happens in terms of the majority of credit cards charging no APR for a certain period of time for balance transfers is that they become useless after the period is over. This card is different. It allows you to win rewards. Each quarter of a year you’re to choose bonus categories you want to get cash back from. The list of the categories is constantly expanding.

Disadvantages

The biggest “flaw” of the card is that the bonus period for the purchases is much shorter than the one for balance transfer operations. Consequently, you may increase your debt instead of decreasing it. Pay attention to the fact that you won’t be able to transfer funds from another Discover accounts (cards) to this one.

Conclusion

If you need to decrease your current debt you should think about applying for this card. You don’t have to close the account after it – keep the card for accumulating the rewards. Still, if you want to decrease your current debt while making some purchases, you’d better think over the possibility of applying for a different Discover card.

The most beneficial card to have in terms of a great average credit – Chase Slate®

Chase Slate

General description:

  • Bonus period during that no APR applies – 15 months for both balance transfer operations and any kind of purchases.
  • Standard APR varies from 15.99 to 24.74%. Cash Advance APR amounts to 25.99% but is also variable.
  • No annual fee.
  • Special Offer: You’ll manage to save a considerable sum of money during the “bonus” period. Apart from it, you’ll have a free access to your FICO® score.

More information on the card:

  • No fee for balance transfer operations that you carried out within the first 60 days.
  • The card has been awarded the status of “The Best Credit For Balance Transfers” by Money magazine. This happens 4 years in a row.
  • No annual fee that you’re expected to pay.
  • No penalty fee applies in case you can’t pay off on time.
  • A big “bonus” period for those looking for focusing on repaying their current debt.
  • Free access to your FICO® Score and Credit Dashboard.

The card will be especially beneficial for:

People who already have a credit with an average interest rate, but want to have a cost-effective debt card.

Advantages

This card is an absolute winner when it comes down to the terms concerning balance transfer operations.

Disadvantages

The bonus period of the card is not the best one possible. Besides, the card implies no rewards and no possibility of transferring more than 15,000 in a month. The balance transfer from or on this account to other Chase accounts is not possible as well.

Conclusion

The Chase Slate® keeps balance transfer costs to a minimum, which is all that really matters when you’re trying to get out of credit card debt.

Cards from other well-known emitting banks that are beneficial in terms of their balance transfer fee

  1. AMEX EveryDay® Credit Card. No fee on any purchases and balance transfer operations during the first 12 months of you using the card. The standard APR varies from 13.99 to 23.99% after the period is over. No annual fee. The APR for the balance transfer operations once the “bonus” period expires amounts to 3%.
  2. Barclaycard Ring™ Mastercard®. No fee on any purchases and balance transfer operations during the first 15 months of you using the card. The standard APR amounts to 13.99% after the period is over. No annual fee. No APR for the balance transfer operations once the “bonus” period expires.
  3. BankAmericard® Credit Card. No APR on any purchases and balance transfer operations during the first 15 months of you using the card. This applies only to balance transfer operations made during the first 45 days. The standard APR varies from 12.99 to 22.99% after the period is over. No annual fee. The APR for the balance transfer operations once the “bonus” period expires amounts to 3%.
  4. Capital One® Quicksilver® Cash Rewards Credit Card. No fee on any purchases and balance transfer operations during the first 9 months of you using the card. The standard APR varies from 13.99 to 23.99% after the period is over. No annual fee. The APR for the balance transfer operations once the “bonus” period expires amounts to 3%.
  5. Chase Slate®. No fee on any purchases and balance transfer operations during the first 15 months of you using the card. This applies only to balance transfer operations made during the first 60 days. The standard APR varies from 15.99 to 24.74% after the period is over. No annual fee. The APR for the balance transfer operations once the “bonus” period expires amounts to 5%.
  6. Citi Simplicity® Card – No Late Fees Ever. No fee on any purchases and balance transfer operations during the first 21 months of you using the card. The standard APR varies from 14.99 to 24.99% after the period is over. No annual fee. The APR for the balance transfer operations once the “bonus” period expires amounts to 3%.
  7. Discover it® – 18 Month Balance Transfer Offer. No fee on any purchases for the first 6 months and balance transfer operations for the first 18 months of you using the card. The standard APR varies from 11.99 to 23.99% after the period is over. No annual fee. The APR for the balance transfer operations once the “bonus” period expires amounts to 3%.
  8. S. Bank Visa® Platinum Card. No fee on any purchases and balance transfer operations during the first 18 months of you using the card. The standard APR varies from 10.99 to 22.99% after the period is over. No annual fee. The APR for the balance transfer operations once the “bonus” period expires amounts to 3%.
  9. Wells Fargo Platinum Visa® Card. No fee on any purchases and balance transfer operations during the first 18 months of you using the card. The standard APR varies from 16.15 to 25.99% after the period is over. No annual fee. The APR for the balance transfer operations once the “bonus” period expires amounts to 5%.

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Comments: 7
  1. Steve

    I’ve been considering getting a balance transfer card for a while. I’ve a number of credits to pay off and the due dates seem to be everything I can think about. I doubt that a balance transfer card can be a huge help in my case.

  2. Damian

    Could anyone tell me if it’s possible to transfer sums from a business card to a Slate card?

    1. Andrew

      It is possible, but we recommend keeping the balances on your personal and business cards apart.

  3. Nicholas

    Does anyone know if there are cards with no interest that allow transferring the sums from 35,000 to 50,000? Thanks in advance.

    1. Carlos

      Hi. There is no way to say the exact limit offered to you by the emitting bank. This is strictly personal and depends on your credit history and income.

  4. BradPeterson

    I’m in a need of transferring the credit worth of 7,000. Unfortunately, my credit score is only 605. That’s why I got denied when trying to get a SLATE card. Could someone tell me what is the best solution in my case?

    1. Henry

      Hi. Unfortunately, it’s impossible to get a balance transfer card with o% interest with the score like the one you have. We recommend you starting to decreasing your credit in order to improve the credit score. Once you get to the necessary level, you can apply for the card you need.

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