- Top balance transfer credit cards 2020
- Top balance transfer credit cards for balance transfers
- The Top 4 Balance Transfer Cards for 2021 | InvestingAnswers
Tired of dragging credit card debt around with you? Then do a balance transfer to transfer debt from a high-interest credit card to one with a lower interest rate. This hack could save you thousands in interest charges and help you pay off your debt faster. After spending countless hours analyzing dozens of credit cards, our research team has identified some of the best balance transfer cards on the market that: Charge the lowest-possible balance transfer fees Offer a 0% annual percentage rate (APR) on your balance for up to 21 months Boast the lowest ongoing APRs as you pay down your debt Assuming you plan to keep making payments and have great credit (above 670), keep scrolling to see our lineup of best balance transfer credit cards for 2021. First, here's a look at the cards at a glance: 2021's 4 Best Credit Cards for Balance Transfers 1. American Express Blue Cash Everyday Card Balance transfer cards offer excellent cash back rewards as well. While the AMEX Express Blue Cash Everyday Card charges the standard 3% balance transfer fee, it also offers a $200 bonus if you charge more than $1, 000 in purchases within the first three months of opening the account.
Top balance transfer credit cards 2020
This bonus is enough to recoup the fee on a $5, 000 balance transfer and provide some cash back to pay down debt. With this card offering 3% cash back on supermarket purchases (up to a $180 annual reward limit) and 2% cash back on US gas purchases, it won't take long to build up some serious rewards cash. Highlights of the Blue Cash Everyday Card 0% intro APR for 15 months on new purchases and balance transfers 3% cash back at supermarkets (up to a $180 cash back limit, 1% after) 2% cash back on US gas; select US department stores 1% everywhere else $200 sign-up bonus (for spending $1, 000 in the first 3 months) Who This Card Is Best for The Blue Cash Everyday Card is best for big spenders who plan to start paying off their debt in full every month, as well as those who want to earn cash back to supercharge their debt payoff plan. Source: 2. Citi Simplicity Card Need extra time to pay off a large credit card balance? The Citi Simplicity Card offers a 0% intro APR for a full 21 months on balance transfers.
How do balance transfers work? They work by applying for a new balance transfer card and getting your new provider to move your old debts for you. The process is similar to switching current accounts but it can include transfer fees and even interest payments, unless you get a credit card with a 0% interest free promotional period as standard. What is the best balance transfer credit card for me? Depending on the balance transfer deal you choose, your balance transfer card will either have a long introductory period or no transfer fees to pay, and sometimes both. This perk will allow you to benefit the most from consolidating your debts and allow you to effectively manage your debt. Read more about the perks below: Promotional period – normally lasting for a set number of months, this will usually include 0% on balance transfers meaning you have enough time to consolidate your debt onto one card No transfer fee – this means that every time you make a transfer, you will not be charged a handling fee for doing so.
Compare Balance Transfer Cards Have you been thinking about taking out a new balance transfer card in 2020? It can certainly be a good way to streamline your finances, especially if you've found yourself with multiple credit cards or loans and would like to combine them into one. The benefits of getting a balance transfer credit card include: Reduce the amount of interest you pay per month Give yourself more time to reduce your debts Centralise multiple debts into one place Gives you a clear timescale to being debt free Moving your debt around might seem like a sideways step when trying to pay it off, but actually it can be incredibly worthwhile. As well as saving you a lot of money over your repayment period, it can ensure you pay off the total debt sooner and make it much easier to manage with having just one payment rather than multiple. If this sounds better than unwrapping a brand-new set of glittery purple robes complete with socks and sandals, then a balance transfer card might just be for you.
Top balance transfer credit cards for balance transfers
Source: Which Balance Transfer Card Is Right for Me? These balance transfer cards are filled with features designed to please all types of card users who are carrying a balance. Borrowers with heavy debt loads may save the most on interest charges by choosing a balance transfer card with a lengthier 0% intro APR offer. Big spenders that plan to regularly pay off their monthly balance may prefer racking up rewards on cash-back cards to help pay down past debt. Related: 6 Secrets to Saving Money on Credit Card Balance Transfers If you need to pay off credit card debt, it's up to you to take advantage of a 0% APR introductory offer and commit to debt pay off. The goal is make progress in paying down credit card debt with a balance transfer and avoid the habit of transferring a balance one after another. This will make the transfer fee worthwhile. Related: 5 Devastating Mistakes That Turn 0% Credit Cards into Nightmares Read each card's fine print to find the card that saves you the most money and puts you on track toward financial freedom.
45% Barclaycard – Platinum Long Balance Credit Card (28 months) – 1. 75% Virgin Money – Travel Credit Card (12 months) – 2. 0% HSBC – Rewards Credit Card (6 months) – 2. 0% Barclaycard – Platinum All Rounder Credit Card (25 months) – 2. 7% M&S Bank – Transfer Plus Offer Credit Card (28 months) – 2. 85% Virgin Money – All Round Credit Card (20 months) - 2. 9% This information is updated monthly and reflects our Top 10 Balance Transfer cards for March 2020. Are you still unsure whether you might be eligible for our top 10 balance transfer cards? Try filling in our money matcher online comparison tool to find the best balance transfer card for you. We simply need a couple of personal details and you will receive a list of the most relevant cards, all without affecting your credit rating. Head over to our Balance Transfer Credit Cards page to browse through the entire list of cards available. You can also read more balance transfer guides and look at our FAQs for more information.
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The Top 4 Balance Transfer Cards for 2021 | InvestingAnswers
If it's also within a 0% balance transfer period, you will avoid any charges entirely when moving your debts over Would you like more information on balance transfer cards? Have a read of our guide choosing a balance transfer card, to find out what you should be looking out for when picking the right deal for you. Alternatively, ask yourself 'should I get a balance transfer card? ' or discover the 8 golden rules of balance transfer cards for further information. Top 10 Balance Transfer Credit Cards: Since the balance transfer credit cards from our panel of lenders appeal to those looking for a long promotional period or no transfer fee, we decided to create 2 separate top 10 lists that should help you in your search, depending on what your priority is. Likewise, you might be looking for a credit card that is the best of both worlds, ensuring you have a long promotional period and a low transfer fee. Take a look at both lists below to find the cards with longest promotional period, lowest transfer fee and ones that include both perks (look for the cards with no transfer fee).
That should help maintain minimal interest charges as you steadily pay down your balance. Highlights of the Wells Fargo Platinum Card 0% intro APR for 18 billing cycles on balance transfers and new purchases Low ongoing APR 3% balance transfer fee Who This Card is Best for This card may be ideal for borrowers who require a long 0% APR intro period and low ongoing APR to steadily pay down large balances. Source: 4. Discover it Card The Discover it card offers generous cash-back rewards of up to 5% on rotating categories (like gas, Amazon, restaurants, and wholesale clubs), a lengthier 18-month 0% intro APR, and one of the lowest ongoing APRs on the balance transfer card market. To top it off, Discover will double your cash back at the end of the year (no limits! ), potentially turning $200 in rewards into $400 to slash your debt or take a well-deserved vacation. Highlights of the Discover it Card 0% intro APR for 18 months on balance transfers, 6 months on purchases 5% cash back in rotating categories, 1% cash back elsewhere Double your cash-back rewards at the end of the first year (no limit to rewards) Who This Card Is Best for The Discover it card might be ideal for large-balance borrowers looking for a mix of lucrative cash-back rewards and ultra-low APRs to help them save thousands in interest charges.
- Top balance transfer credit cards for balance transfers
- The Top 4 Balance Transfer Cards for 2021 | InvestingAnswers
- Top balance transfer credit cards online
This could easily save you thousands in interest charges as you pay off your debt. If you're currently paying 20% APR on a $30, 000 credit card balance, for example, you could save more than $8, 000 in interest charges over the first 21 months (easily making up for the card's 5% balance transfer fee). Highlights of the Citi Simplicity Card 0% intro APR for 21 months on balance transfers 0% intro APR for 12 months on purchases No late fees or penalty rate No annual fees Who This Card Is Best for This will appeal to debt slayers with heavy credit card balances or someone looking to buy a big-ticket item without the financing charge. They'll be sure to reap the biggest savings from this card's exceptionally-lengthy 0% intro APR offer. Source: 3. Wells Fargo Platinum Visa Card Borrowers with excellent credit (who need two years or more to pay down debt) may appreciate the Wells Fargo Platinum Visa Card. For those with excellent credit, this 'classic plastic' couples a lengthy 0% intro APR (for the first 18 months) with one of the lowest ongoing APR rates on the balance transfer card market.