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Wednesday, 27 June 2012

Top Balance Transfer Credit Cards

Balance transfer credit cards have become extremely popular in today's economy. They provide consumers the ability to reduce interest, consolidate debt, and lower their monthly payments.

Here Are the Top Balance Transfer Credit Cards:

1. Citi Simplicity

  • 0% for a full 18 months on balance transfers
  • 0% for a full 18 months on purchases
  • You won’t believe this part, there are no late fees or APR hikes for missed payments
  • No annual fee
2. Discover More

  • 0% for a full 18 months on balance transfers
  • 0% for a full 6 months on purchases
  • 5% cash back in rotating categories like gas stations, department stores and more
  • No annual fee
3. Chase Freedom Visa

  • 0% for a full 15 months on balance transfers
  • 0% for a full 15 months on purchases + $100.00 bonus for spending $500 in first 3 mo.
  • 5% cash back in categories + 1% cash back on everything else
  • No annual fee
4. Chase Slate

  • 0% for a full 15 months on balance transfers
  • 0% for a full 15 months on purchases
  • No fee for balance transfers (which are made during the first 30 days)
  • No annual fee
5. Citi Diamond Preferred

  • 0% for a full 18 months on balance transfers
  • 0% for a full 18 months on purchases
  • Benefits include concierge service and more
  • No annual fee
6. Citi Platinum Select Visa

  • 0% for a full 18 months on balance transfers
  • 0% for a full 18 months on purchases
  • Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
  • No annual fee
7. Citi ThankYou Card

  • 0% for a full 15 months on balance transfers
  • 0% for a full 15 months on purchases
  • Earn an unlimited 1 ThankYou point per dollar spent
  • No annual fee
8. American Express Blue Cash Everyday

  • 0% for a full 12 months on all your purchases
  • Unlimited 3% cash back at grocery stores, 2% at gas stations & dept. stores, 1% elsewhere
  • Free valuable benefits like purchase protection, extended warranty, and return protection
  • No annual fee

Before you go and apply for the balance transfer credit card offer, make sure you educate yourself on what to look for. There are three important factors to look for before you apply for one.

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