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Balance Transfer Credit Cards

Transferring your credit card balance or balances to a lower interest rate card can save you money.

If you do not transfer to a fixed rate (or even if you do because fixed doesn't mean fixed forever) there are three figures of prime importance: the rate you are getting, how long it lasts and what it jumps to when that rate is over. With a fixed rate you may not know when it will change, but there will at least be a guaranteed period before it can change.

Here are some basic questions to ask as you comb through that low-rate credit card offer:

What is the card's annual percentage rate after that teaser rate expires?
How long does the introductory rate last?
Does that card have an annual fee?
Does the teaser rate apply to transferred balances or new purchases or both?
What about late fees and over-the-limit fees?

Another key thing to determine is whether there's a fee for transferring the balance. Some issuers charge transaction fees as high as 5 percent. So the higher the balance, the higher the transaction fee. A 5 percent fee on a $5,000 balance would cost $250. Some companies cap transfer fees at $29 to $75.

Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 11.99%-20.99%
APR for Balance Transfers: 0.00% (for *)

Discover® More® Card
Make your money worth More.^SM*

0% intro APR on balance transfers for 15 months, then the Regular APR
0% intro APR on purchases for 15 months, then the Regular APR
5% Cashback Bonus(R) in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
Up to 1% unlimited Cashback Bonus on all other purchases
No Annual Fee

*View rates, fees, rewards and other important information.

Get more info about the Discover® More® Card

Apply for the Discover® More® Card

Apply to get Pulaski Bank MasterCard® or VISA®

Ongoing APR: 6.50%
APR for Balance Transfers: 0.00% (for 6 Months)

Pulaski Bank MasterCard® or VISA®
High Velocity Savings! Best Credit Card Rates in the Country...

Purchase rate is a fixed 6.50% annual percentage rate (APR)
Intro balance transfer rate of 0% (apr) for 6 billing periods
Cash rate is 6.50% APR
No cash advance or balance transfer fees
Minimum payment is 2% of outstanding balance*

*See terms & conditions

Get more info about the Pulaski Bank Credit Card

Apply for the Pulaski Bank Credit Card

Apply to get Pulaski Bank Visa® Gold Card

Ongoing APR: 8.00%
APR for Balance Transfers: 0.00% (for 6 Months)

Pulaski Bank Visa® Gold Card
Zero worries. Zero hassles. Zero % balance transfers.

8.00% APR
Low Rate
No Annual Fee
0% Balance Transfers

Get more info about the Pulaski Bank Visa® Gold Card

Apply for the Pulaski Bank Visa® Gold Card

Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
APR for Balance Transfers: 0.00% (for *)

Miles by Discover® Card
A Miles card with no annual fee!

12, 000 Bonus Miles - Earn 1,000 Miles each month you make a purchase for your 1st year
1 Mile per $1 on every purchase
Plus, 2 Miles on travel and restaurant purchases on your first $3,000 each year
No limit on the Miles you earn and Miles don't expire*
Fly on any airline, book any hotel or car, with no blackout dates
Use Miles for travel, merchandise, gift cards or cash
0% intro APR on purchases and balance transfers for 6 months then the regular APR
No Annual Fee, No Over limit Fee, No Redemption Fee

*View rates, fees, rewards and other important information.

Get more info about the Miles by Discover® Card

Apply for the Miles by Discover® Card

More Credit Card Resources Online

One of the most complete guides to help you finding the best balance transfer credit cards online.

Poor Credit Credit Cards lists various credit cards for people with poor credit or no credit. They can help you building up or re-building your credit history.

Credit Card Balance Transfer.com has an extensive list of low APR, 0% balance transfer credit cards. Apply online for MasterCard, Discover or Visa credit cards.

Bad Credit Credit Cards