0 Balance Transfer Credit Card Tips

While most people have at least one credit card, this type of debt is at an all-time high. Today, debt for Visa credit cards is more than $350 million, for MasterCard, $130 million, Discover around $57 million, and American Express at $54 million. Then when you consider the current economy, it is easy to understand why so many people depend on credit cards even more than ever before.

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Trying to gain control of debt has become a number one priority and while the ultimate solution is to get out of debt completely, a 0 balance transfer credit card can be beneficial. If you find a credit card company with this type of offer, a card with a low interest rate after the introductory period and this period lasting a minimum of six months, the card could certainly be advantageous.

Just remember that just as you can find a great 0 balance transfer credit card, you will also find some that only make the current problem worse. The key is to compare various offers so you end up with a card that is going to help with your goal of getting debt under control. We wanted to provide you with a couple of examples of what would be deemed the best choices for a 0 balance transfer credit card.

  • Citi Platinum Select MasterCard –

The first card offers 0% APR for up to 12 months. After that, the rate is as low as 11.99%, which would depend on your actual credit score in that the better the score the lower the interest rate you would be offered. Other benefits of this 0 balance transfer credit card includes no annual fee, significant discounts on travel, merchandise, and gift cards, and even protection from identity theft.

  • Discover More Card –

Another excellent choice for 0 balance transfer credit card is from Discover. This card also provides 0% APR up to 12 months, followed by an interest rate as low as 11.99%. Another benefit includes a 5% cash back bonus that can be used for going to the movies, travel, gas, dining out, etc.

The two cards mentioned above are great examples of what to look for in a 0 balance transfer credit card. Now, when you begin looking at the different options available and you find cards that are much different from these, move on. The entire purpose of a 0 balance transfer credit card is to allow you to move a balance from another credit card with high interest to the new card so you have a better chance of getting the debt paid off or reduced. Therefore, if the card will not serve this purpose, it could easily make your situation worse

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