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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.

Apply to get Discover® More® Card - Clear

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

Discover® More® Card - Clear
5% Cashback Bonus®*!

Unlimited cash rewards*
5% to 20% Cashback Bonus® at top online retailers*
Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners*
Talk to a knowledgeable person in less than a minute
0% Intro APR*

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

Get more info about the Discover® More® Card - Clear

Apply for the Discover® More® Card - Clear

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

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

5% Cashback Bonus®* in categories that change like travel, home improvement stores, department stores, gas, groceries, restaurants and many more
5% to 20% Cashback Bonus® at top online retailers*
Up to 1% Cashback Bonus®on all other purchases automatically
Unlimited cash rewards*
Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners*
0% Intro APR*
Fraud specialists dedicated to helping you 24/7
Timely e-mail reminders to help you avoid fees

*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

More Credit Card Resources Online

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

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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.

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