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Best Credit Card Balance Transfer Tips

Many find that the best credit card balance transfer will offer them 0% interest for an entire year. In some cases, users can get up to 16 months with 0% interest. There are some catches to these cards, and the user must keep in mind some important factors. As with any financial tool, it is best to plan your options as you take steps to knock out bills.

At the end of the introductory period that grants you zero percent interest, the cardholder can be subjected to a retro interest back to the open date of their card for the unpaid balance that remains. This interest can in some cases be higher than you are already paying on your current card. The average range after the introductory period is 11.9 – 22.9%.

Because of this, as you search for the best credit card balance transfer options you must have every intention of attacking the balance of your credit card. If you are looking for a temporary solution, there might be better avenues for you to take.

There are a number of companies that offer great deals in terms of their transfers. Many are considered to be heavy hitters in the world of credit cards, and we’ll take a look at them quickly to determine which of them offer the best credit card balance transfer rates.

Capital One Credit Cards

With a 0% interest rate that will last for 15 months, the Capital One Platinum Card gives users a generous credit line of up to $10,000 to assist in their balance transfer needs. After the introductory period, users will have an 11.9% interest rate on the card.

Citi Bank Credit Cards

Another 0% interest rate, this one lasts for 18 months and can help a user to pay off up to $15,000 depending on their credit rating. At the end of the introductory period, users will have an interest rate of 11.49 – 19.99%.

Users who are looking for the best rates they can find should know their credit score beforehand. Many credit card companies will only give great introductory rates to their users that have a Good credit rating or better. Before you attempt to apply for a credit card, take some time to check your credit rating. When you apply for a credit card you don’t qualify for, it can actually harm your credit rating further.

Remember as you focus on the best credit card balance transfer options that you have, you should attempt to find the ones with the longest 0% introductory periods, and try to pay off your card in that time frame.

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