Take advantage of low or 0% balance transfers for an introductory period of up to 18 months. If you carry balances from month to month, a balance transfer credit card can be a viable alternative to high interest rates and multiple outgoing payments. Compare the credit cards below to see which is the best for your circumstances and then simply apply online.

Balance Transfer Credit Cards

If you have balances on several credit cards, the monthly routine is all too familiar: you juggle minimum monthly payments, conflicting due dates, and other bills, in a heroic effort to ensure that all of your creditors get paid on time so you can avoid incurring the wrath of your credit card company and the associated credit damage. Here are some important things to consider before applying for balance transfer cards.

Balance Transfer Card Features to Look For
Every balance transfer card will have certain features that you might find appealing; however, the best way to make the decision as to which balance transfer cards should be avoided and which one is custom-made for you and your lifestyle is to compare apples to apples and make the decision you feel is best for you and your individual circumstances.

• No Annual Fee
• Low Balance Transfer Rates
• 0% Introductory Interest Rate
• Membership Perks
• Extra Coverage for Purchases Made WIth the Card

Comparing Balance Transfer Cards
When comparing balance transfer cards, it’s important to consider more than just the interest rate charged or how much balance transfers will cost. Total cost of card ownership is something you should consider because a balance transfer card with a low interest rate may also have fees for balance transfers. Carefully consider your card usage habits and the speed with which you will pay off your balance before making a decision.

Consider Your Credit Card Debt Load
Before deciding which balance transfer cards warrant further review, think about how much debt you will transfer to the card. If you have $5,000-$10,000 in credit card debt to transfer onto a balance transfer card with a low introductory interest rate that will expire before you pay off the card, consider the interest rate that your new card will move to at the end of the introductory period. Balance transfer cards are good for your bottom line if you wind up saving money by taking advantage of a good offer.

Making the Choice for the Right Balance Transfer Card
Only you can make the right choice when it comes to selecting a balance transfer card. Before you pull the trigger on that hot balance transfer card, do your homework. Ensure that the balance transfer cards you’re considering will save you money and help you reach your financial goals.