credit cards

Balance Transfer

Are you paying a high interest rate on your credit card debt? A balance transfer card lets you save money by transferring your outstanding credit card debt to a balance transfer card with a 0% intro interest rate. Sometimes, you can even transfer the outstanding balance of your personal loan or auto loan to a balance transfer card.

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American Express Everyday Card
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card description

Rewards Rate

  • Unlike most balance transfer cards, the AmEx EveryDay card doesn’t charge a balance transfer fee. Ever.
  • Its balance transfer period isn’t the longest interest-free period on the market. But it’s still a solid promotion. You’ll get 15 months to carry an old balance for free.
  • AmEx won’t charge interest on new purchases for the card’s first 15 months either.
  • The won’t charge interest on new purchases for the card’s first 15 months either. Its standard APR starts at 14.49% and maxes out at 25.49%.
Annual Fee

None

Foreign Transaction Fee

2.7%

APR

12.99% to 23.99%, 0% for 15 months

Penalty Fee

29.24%

Balance Transfer Fees

None

Discover it Balance Transfer Card
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card description

Rewards Rate

  • No annual fee!.
  • The Discover It balance transfer offers 0% APR for 18 months – that’s huge.
  • This Discover It card offers 0% APR on purchases for the first six months.
  • You can earn 5% by spending on categories that change each quarter, up to $1,500.
  • Balance transfer fee is 3% intro rate, then switches to 5%.
Annual Fee

$0

Foreign Transaction Fee

None

APR

0% for six months on purchases and 18 months on balance transfers, then 13.49% to 24.49% variable after that

Penalty Fee

None

Balance Transfer Fees

Intro 3% of the transfer amount, then 5% on future transfers.

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