This section displays credit cards that offer 0% APR balance transfers as an introductory promotion, usually from 6 to 12 months. Transfer you high interest debt from you other credit cards or other debts to a 0% APR balance transfer credit card. Stop paying high interest on your other obligations. Compare the details below of the leading 0% balance transfer offers. Once you find the credit card that suits your needs, click the “Apply Now” button to access the secure online application and start saving money now!

12 Month Balance Transfer Offers

6 Month Balance Transfer Offers  

Do you get your credit card bill and ignore the principal balance because it is so depressing? I know that I have. Looking at your minimum payment of eighty dollars, and then realizing that sixty of it is for interest is not fun. But ignoring the facts will not change them. There is a way to take control of your financial life back, but it might take a little bit of time and effort.

One way to do this is to find a way to transfer your high interest credit card balances to a lower interest balance transfer offer. Credit card companies want to earn your business, and if you play smart, you can significantly lower the amount of money you give them. Zero percent or lower percent transfer cards are an introductory offer given to new customers to lure them to move debt to another owner.

The hope is that you won’t pay it off, but it is wise to try. Often the introductory period will be 12 months apr or billing cycles. You may pay a transfer fee when using balance transfers, so make sure that what you save in interest is worth the zero interest. Most of the time it will be. You won’t find zero interest on new purchases, and keep in mind that any purchases on your old card will be at the higher rate.

If you have good credit, it is going to be much easier to get the no annual fee, zero percent interest offers, but regardless of the availability, you can always call you credit card company and attempt to negotiate your interest amount. The banks know what the competition is like, and if you have been a good customer, they may make an offer that makes more sense for the long run.

If you want to keep up with the expiration dates of your credit cards, and make sure that you transfer balances, potentially you could pay off debt without ongoing interest. Don’t accrue debt with this assumption, as interest quickly adds years to your payments. If you choose to “card hop”, you can keep lowering your principal balance by keeping interest at bay. Things to watch out for are accrued interest on balances not paid off. No one wants to find a huge interest charge at the end of the year if the principal has been going down!

Don’t let the banks keep owning your money. Take all due diligent steps to find your way out of debt. Stop using cards if possible, make your standard of living match your income, and negotiate your current debt by transferring high interest payments for principal payments so you can find that light at the end of the tunnel. Take advantage of the competitive bank market and get your money’s worth out of that credit card!

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