Balance Transfer Credit Cards



Editors' Choice : Balance Transfer Credit Cards


The credit cards we recommend for those who want to transfer a balance all offer a 0% introductory apr for at least 12 months. This is the cut-off period as most credit cards these days have some sort of introductory offer. The other things to look out for is whether they charge a balance transfer fee (none is obviously better), and the method of calculating monthly balance (cards that use the average daily balance method is preferred to those that use 2-cycle method).

citi platinum select card
We highly recommend the Citi� Platinum Select� Card because you get an introductory apr of 0% for 12 months on both purchases and balance transfers and you get a very flexible balance transfer offer. For the purchase, the 0% apr starts from the date of account opening. For the 0% apr deal on the balance transfer, you are allowed up to 12 months to make your first balance transfer. The 12 month period starts from the date of transfer and not the account opening date. There is no balance transfer fee for this card.

The Citi� Diamond Preferred� Card has identical features and rates as the Citi Platinum Select. You get 0% apr for 12 months on purchases from the date of account opening. You get a 0% apr for balance transfer for 12 months. You are allowed 12 months to make your first transfer and the 12 month period starts from the date of your first balance transfer.

Other Balance Transfer Credit Cards


Below are other cards that offer 0% introductory apr for at least 12 months for balance transfers. Some of these are reward or cash back credit cards. It is important that you read our review to see which of these cards best fit your needs.

Citi Platinum Select Card
Intro APR 0% APR for balance transfers for 12 months from date of transfer
0% apr on purchases for 12 months from account opening
APR Prime Rate plus 3.49%
APR Method Daily Periodic Rate
Bal Calc Method Average Daily Balance
Balance Transfer Fee None for introductory period
Annual Fees No annual fee
citi platinum select card
Review


Citi Diamond Preferred Rewards Card
Intro APR 0% APR for balance transfer for 12 months
APR Prime Rate plus 4.99%
APR Method Daily Periodic Rate
Bal Calc Method Average Daily Balance
Balance Transfer Fee None for introductory offer
Annual Fees No annual fee
citi diamond preferred rewards card
Review

GM Flex Card
Intro APR 0% APR for balance transfer for 12 months
APR Prime Rate plus 4.99%, 9.99% or 11.99%
APR Method Daily Periodic Rate
Bal Calc Method Average Daily Balance
Balance Transfer Fee 3% (min $15.00, max $75.00)
Annual Fees No annual fee
Review

GM Card
Intro APR 0% APR for purchases and balance transfer for 12 months
APR Prime Rate plus 4.99%, 9.99% or 11.99%
APR Method Daily Periodic Rate
Bal Calc Method Average Daily Balance
Balance Transfer Fee 3% (min $15.00, max $75.00)
Annual Fees No annual fee
Review

Discover Platinum Card
Intro APR 0% APR for purchases and balance transfer for 12 months
APR Prime Rate plus 2.99% to 9.99%
APR Method Daily Periodic Rate
Bal Calc Method 2-Cycle Average Daily Balance
Balance Transfer Fee 3% (min $5.00, max $75.00)
Annual Fees No annual fee
discover platinum card
Review

Chase Platinum
Intro APR 0% APR for purchases and balance transfer for 12 months
APR Prime Rate plus 3.99%, 7.99% or 14.99%
APR Method Daily Periodic Rate
Bal Calc Method 2-Cycle Average Daily Balance
Balance Transfer Fee 3% (min $5.00, max $75.00)
Annual Fees No annual fee
Review

AT&T; Universal Platinum Card
Intro APR 0% APR for balance transfers for 12 months from date of transfer
Lowest APR Libor plus 6.49%
APR Method Daily Periodic Rate
Balance Transfer Fee None for introductory period
Annual Fees No annual fee
att universal platinum card




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