Balance Transfer

A balance transfer is when you shift all the debt you owe (aka the balance) on one credit card or loan at a higher interest rate – over to a different credit card at a lower interest rate.  Some of these credit cards even offer an introductory offer of 0% APR for anywhere from 6 to 21 months.

Chase Freedom Unlimited Credit Card

Chase Freedom Unlimited Credit Card

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The card is best for consumers with less than $4,000 of debt to transfer and who will be spending on the card monthly to benefit from the rewards

BankAmericard Credit Card

BankAmericard Credit Card

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Best for individuals with good credit (650+) who are looking to transfer and pay down existing credit card debt

Chase Slate credit card

Chase Slate credit card

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15 month 0% intro.  Ranked as the best balance transfer card consecutive four years in a row from 2011 - 2014 by CardRatings.

HSBC Gold Mastercard

HSBC Gold Mastercard

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Best for individuals who have a minimum 680 FICO, are having trouble paying current credit card bills, and don’t have only a small balance to transfer.  One of the only cards offering 0% on new purchases.

US Bank Cash 365

US Bank Cash 365

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Best for individuals with excellent credit (720+) who have existing debt to transfer, but they pay off their balances every month.