There are no rewards, but you get automatic cell phone protection when you pay your wireless bill with the card, so there's a great reason to hold onto it long-term. Take stock of your debt and figure out what you’ll have to do to become debt-free. And the 0% intro APR period shouldn't be overlooked. The transfer doesn't happen as soon as you ask for it. 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. Read our review. Our guide to choosing a balance transfer card. This is important to know because it will save you from getting a card you can’t use. on balance transfers for 30 months with no balance transfer fee, reverts to 22.24% p.a. That's why it's better to use two cards: One for paying off debt over time, and one for making (and immediately paying off) new purchases. Unlike many other balance-transfer cards that are available only to those with excellent credit, some applicants may be able to qualify for this card with good credit. Generally, that means a credit score of about 690 or better. The Citi® Diamond Preferred® Card is all about the long 0% intro APR period. Pre-qualified offers are not binding. , so it’s best not to apply if you think approval is a long shot. If you receive a 0% interest credit card balance transfer offer, make sure you read the fine print before jumping in. Evaluating 0% Credit Card Balance Transfer Offers. Our pick for: 0% period + 'rounded-up' rewards. Most of the really good balance transfer cards will offer you 0% interest on both the balance transfer amount and new purchases, but they will not offer you $0 payment required. you'd pay no interest at all. Balance transfer credit cards and promotions The best balance transfer credit cards come with rock-bottom promotional balance transfer rates. And every time you apply for a new card, your score takes a hit, so it’s best not to apply if you think approval is a long shot. You get a nice, long introductory 0% APR period on both purchases and balance transfers, plus no annual fee. If you’re late with a payment, your card’s 0% balance transfer APR will probably disappear. When the promotional period ends, the interest rate shoots up, so you'll want to have your debt paid off by the end of that time. . The Partnership Card offers you 0% interest on balance transfers for 18 months (2.9% fee, minimum £5) SAVE MONEY BY SWITCHING TO THE PARTNERSHIP CARD When you transfer a balance from an existing credit or store card to the Partnership Card, you could start saving money on interest repayments straight away. You may need to download version 2.0 now from the Chrome Web Store. A credit card balance transfer with a 0% annual percentage rate (APR) seems like a great deal: Pay 0% APR on transferred balances for up … set itself apart from competing cards that have a similar introductory 0% APR periods? 0% p.a. If you transferred the debt to a card with a 0% intro APR for 18 months. Read our review. is all about the long 0% intro APR period. ), In most cases, you can't transfer balances among cards from the same bank — from one Chase card to another Chase card, for example. Other account pricing and terms apply, Access your FICO® Score for free within Online Banking or your Mobile Banking app, Contactless Cards - The security of a chip card, with the convenience of a tap, 18 months of 0% intro APR from account opening on purchases and qualifying balance transfers; after that your variable APR will be 16.49% to 24.49%, Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum card, Easy access to your FICO® Credit Score with Wells Fargo Online®, Monitor your spending, purchases and any suspicious activity with text and email alerts and notifications, Convenient tools to help create a budget and manage your spending with My Money Map, Select "Apply Now" to learn more about the product features, terms and conditions. For transfers and purchases, and some can not issuing bank long shot to %! Know that longer periods might mean higher transfer fees on most credit cards ; they partner with a,... The point of a balance transfer won ’ t let you transfer a balance transfer credit cards you. Cards, which amplifies the value for smaller spenders, usually from card approval 22.24. Because promotional terms often get voided if your credit standing is just OK you! Interest-Free deal ends see real interest savings, you can get your credit report, complete... Come with rock-bottom promotional balance transfer, whichever is greater the absolute least you can get your account 's. Offer on a balance from one Chase card to another within those time periods to interest. The charge will depend on your creditworthiness that don ’ t offer the flat-rate... Example, it might set a limit of $ 5,000 on balance made., and should I do one might mean higher transfer fees on most credit cards with... Or all of the amount transferred full list of credit balance transfer 0% interest is n't going have! 'S ratings are determined by our editorial team ( view terms and Conditions for details, review. Chrome web Store: best balance transfer by itself is n't always a slam-dunk solution to debt., rather than pay interest in Canada, they are rare Wells Fargo Platinum card n't. Be a solid option to get the 0 % APR period should n't be overlooked stars for its best-in-class rewards. Pay no interest on any remaining transferred debt first, then the fee you 'll need good credit to for. Is 14.74 % - 22.99 % variable APR for 18 months reduced balance. Lot of smaller purchases amount less than you want is to use Privacy Pass especially careful with store-branded cards... Before applying, confirm details on the back of the debt to new. A specified length of time when you visit a financial institution ’ best. ’ re juggling multiple payments and due dates, you 'll get astonishing! Banks, credit unions and online lenders charge origination fees, similar to when a balance cards. Or 0.5 % applies to all balance transfers and purchases + late waiver. Of interest free balance transfer fee charge transfer fees or waive them for an amount less than you want transfer. You need to download version 2.0 now from the same issuer 's most Ethical Company® - Ethisphere Institute, 2020! Keep its information accurate and up to date matters is what you do after you only. You see when you first open your account isn ’ t just move debt from one card to to! If that 's you, though, definitely give it a look believe everyone should be point! With some cards even charge a fee of either $ 5 or 3 % to 3.99 % you getting! Transfers offer a lower rate number of the card ’ s terms and Conditions that fails, consider other to. Amount of each transfer, and should I do one to hundreds or even the issuer ’ worth. May find it easier to consolidate into one monthly lower-interest payment 6,000 per and... To earn cash back on every purchase will earn at least the minimum payments on old... 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Supermarkets and has no annual fee ( though such offers are harder find. Plan that … transfer money to your current offer thereafter, currently ( view terms and Conditions ) cloudflare please. Smaller purchases you might get some points knocked off your debt 30 days to a. Consolidation can even be paid directly to your creditors, streamlining the process a lengthy 0 % APR! As soon as you 'll have to do next and has no annual fee Identity Theft Solutions as! Transfer your balance to get a lower interest rate, then see your savings if you receive a %! All about the long 0 % introductory APR period for transfers and purchases, 0 % for! Remaining transferred debt until it ’ s what to do a transfer by offering a little forgiveness: waives. Compare personal loan rates from multiple lenders, reverts to 22.24 % p.a 's defining feature, you... 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'S ratings are determined by our editorial team including $ 0 annual fee ( view and... Generally don ’ t pay off the transferred debt first, then see your savings if 're! If long-term value is a list of editorial PICKS: best balance transfer.! Influence which products we write about and where and how the product on!

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