This online only offer may not be available if you leave this page or when visiting Bank of America Financial Centers. Completing the CAPTCHA proves you are a human and gives you temporary access to the web property. INTRO OFFER: Unlimited Cashback Match – only from Discover. Many banks offer a 0% or low-interest deal for 6 to 12 months, offering relief to those battling credit card or store card debt. Many cards charge 1, 3 or even 5% of the amount you plan to transfer. You could then request a balance transfer of $6,250, giving you a credit of $5,925 on your Credit Card A balance. The annual fee will be $29 in the first year and charged on the first statement of account. A balance transfer check lets you transfer loan and credit card balances from one account to another. Pre-qualified offers are not binding. With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more. If you are on a personal connection, like at home, you can run an anti-virus scan on your device to make sure it is not infected with malware. There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. Moving a high-interest balance to a low-interest or 0% APR credit card by doing a balance transfer can be a great way to save on interest charges. Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. You could turn $150 cash back into $300. The standard variable APR for Citi Flex Plan is 13.99% - 23.99%, based on your creditworthiness. For example, if you have £2,000 of credit card debt and a 20-month interest-free period, you could set up a Direct Debit to repay £100 per month. You can move your balance from your current credit card, where you might be paying high finance charges each month, to a credit card where you'll pay … The best business credit card with no balance transfer fee is the BBVA Compass Business Rewards Credit Card because it offers an introductory APR of 0% to 3.99% for 12 months on balance transfers as well as a balance transfer fee of $0. • After that, a variable APR currently 14.49% - 24.49%. Below is a complete list of introductory 0% APR interest rate on credit card balance transfers from Chase, Citibank, Bank of America, American Express, Barclaycard, Capital One, U.S. Bank, and many more. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Earn $50 Kogan.com Credit and enjoy 0% p.a. Balance transfers must be completed within 4 months of account opening. 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. Intro APR period on Purchases and Balance Transfers, Slightly less merchant acceptance for Discover in US - acceptance outside of US can be an issue, If you value simplicity, a flat rate cash back card may be better, 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. 0% Intro APR on purchases and balance transfers for 20 billing cycles. Whether you want to pay less interest or earn more rewards, the right card’s out there. Plus, save with an ongoing $0 … ; No Penalty APR. • Multiply that percentage with the amount being transferred. Benefits . 15 months 0% interest on balance transfers made in the first 90 days of account opening & 0% on purchases for 15 months thereafter 19.95% p.a. Kogan Money Credit Card - Exclusive Offer. - 2.9% fee. After the promotional period expires, a … This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. To take advantage of this offer, click "Apply Now" above. If you’re struggling to pay down debt, one of these cards could be the money-saving solution you’re looking for.. Balance transfer cards are available through a variety of credit card issuers, and they generally provide 0% APR periods on transferred balances for your first year or more. The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. The BBVA Compass Business Rewards Credit Card also has a $0 annual fee. 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 U.S.Bank Visa® Platinum Credit Card. 5.20% 4.95%. 0% Balance Transfer is a facility whereby selected principal Cardholders can apply to transfer their outstanding credit card balances with other banks or credit card companies to their newly-approved Security Bank MasterCard credit card. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. That way, you can pay off existing accounts and consolidate the debt into another one, sometimes at a temporary low or 0% interest rate on the transferred amount. Make a note of the date when this will happen and aim to pay off your balance before then. The one off balance transfer fee of 2% is calculated on the amount transferred and is charged to your NAB card account when your balance transfer from a non-NAB credit card account is processed. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features. Disclaimer: NerdWallet strives to keep its information accurate and up to date. Pre-qualified offers are not binding. Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more. Certain terms, conditions, and exclusions apply. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness. The interest rate on transferred balances. Kogan Money Credit Card - Exclusive Offer. Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions. After the intro APR offer ends, 12.99% - 22.99% Variable APR will apply. 0% interest on balance transfers for up to 22 months from account opening, with a 2.99% transfer fee. If applicable, the Balance Transfer Fee will be calculated as a percentage of the balance being transferred to your HSBC credit card account. #1 Most Trusted Credit Card according to Investor’s Business Daily. After the intro APR offer ends, 12.99% - 22.99% Variable APR will apply. If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month. Plus, save with an ongoing $0 … Please enable Cookies and reload the page. Many credit cards offer and accept balance transfers with a low introductory rate, often 0%. The lowest transfer fee for poorer credit scorers, so the cheapest option if you can clear your debt in six months or less. Paying late won't automatically raise your interest rate (APR). 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. Check eligibility. Get free access to your FICO® Score online. Best for everyday spending: Bank of America® Customized Cash Rewards credit card. Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com. Flexibility to choose a payment due date that fits your schedule. 4.92% 4.69%. NerdWallet strives to keep its information accurate and up to date. The … The transfer amount cannot exceed the available credit limit on your HSBC Credit Card, including fees. Paying late won't automatically raise your interest rate (APR). You can then call up the customer service representative at Credit Card A and request a refund. Great offer from U.S. Bank, a 2021 World's Most Ethical Company® - Ethisphere Institute, February 2021. The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap. Just answer a few questions and we’ll narrow the search for you. - 6mths 0%. The standard balance transfer rate and term may be varied or withdrawn at any time. 0% interest on balance transfers for up to 18 months. When evaluating offers, please review the financial institution’s Terms and Conditions. Based on our assessment of your circumstances we may offer a 0% interest period of 19 or 16 months instead. If you are at an office or shared network, you can ask the network administrator to run a scan across the network looking for misconfigured or infected devices. For example, if you wanted to transfer $10,000, a 3% fee would cost you $300. Balance Transfer fees will apply. Why we picked it: The card pairs a competitive balance transfer offer (0% intro APR for the first 15 billing cycles on balance transfers made in the first 60 days, then 13.99% to 23.99% variable) with solid rewards for everyday spending. NerdWallet's ratings are determined by our editorial team. Take the total amount of debt you'll transfer to the card and add the balance-transfer fee amount to it. To clarify, let’s say you have a balance of $325 on Credit Card A, but you get a 0% APR balance transfer offer from Credit Card B. It’s usually between 3% and 5% of the balance you want to transfer. 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. Citi Flex Plan offers are made available at Citi's discretion. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Updated 11 April 2021 Summary of Balance Transfer Credit Cards. If you move your existing card balances to one of our balance transfer credit cards, you'll enjoy 0% interest on your balance transfers for an introductory period (fees apply) and all the rewards and benefits of being with HSBC. 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. This promotional offer typically consists of interest-free financing on balance transfers for between six and 18 months. See all small business checking account reviews, What you need to open a business bank account. Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness. 0% for 18 months on transfers if you qualify. All financial products, shopping products and services are presented without warranty. Get a Truly Free Credit Score & Personalized Advice From Our Credit Experts. 0% intro APR on Purchases and Balance Transfers for 18 months, 690-850(Good - Excellent)Get your free credit score, 0% intro APR on Balance Transfers for 18 months, 0% intro APR on Purchases for 6 months and 0% intro APR on Balance Transfers for 18 months, on Bank of America's website, or call (800) 322-7707, 0% intro APR for 18 billing cycles on purchases and on any balance transfers made within 60 days of account opening, 0%* intro APR for 20 billing cycles on purchases and balance transfers*, 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. 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. Balance transfers must be completed within 4 months of account opening. Balance transfers must be made within the first 30 days to qualify and this promotion ends June 30, 2021. With a $5,000 balance and a 3% balance transfer fee your fee is 5,000 x .03 = $150. Performance & security by Cloudflare, Please complete the security check to access. When the 0% interest period on a balance transfer credit card ends, a new interest rate will kick in. Divide your balance by the number of months in the 0% deal to see how much you’d need to pay each month to clear your debt before the promotion expires. Discover will automatically match all the cash back you’ve earned at the end of your first year! Example: $5,000 debt + $150 fee = $5,150 balance transfer total cost. Citi Double Cash - 0% APR for 18 months on Balance Transfers. Balance Transfers do not earn cash back and will have a fee of either $5 or 3% of the amount of each transfer, whichever is greater. Redeem cash back any amount, any time. You may need to download version 2.0 now from the Chrome Web Store. When evaluating offers, please review the financial institution’s Terms and Conditions. You’re responsible for paying the other lenders until your transfer is complete. Rewards never expire. Learn more about and compare great balance transfer credit cards and consolidate your debt into one simple, low interest credit card payment today. Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc.: Licenses, NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer AccessLicenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812. Why get a balance transfer credit card with HSBC? After the intro APR offer ends, a Variable APR that’s currently 12.99% - 22.99% will apply.3% fee (min $10) applies to balance transfers. on balance transfers for 24 months when you apply through Finder. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. Plus, earn unlimited 1% cash back on all other purchases – automatically. Length of promotion. See all the best 0% APR balance transfer credit card promotions to help people consolidate their credit card debt onto one card to save money on interest charges. The minimum amount for each Balance Transfer ("BT") application is RM1,000. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. All financial products, shopping products and services are presented without warranty. A 0% balance transfer offer sounds like a great opportunity to enjoy a few months with no credit card interest. Here are some of the key features you’ll want to look at when deciding which HSBC balance transfer offer might be the best option for you: Length of 0% period. You could transfer balances from other credit cards, save on the interest you pay and tidy everything up into one neat monthly payment. A 3% fee (min $10) applies to all balance transfers, No penalty APR. Citi Diamond Preferred Credit Card - 0% APR For 21 Months on Balance Transfer and 12 Months on Purchases. It's then 29.3% rep APR. A balance transfer could help get your finances in shape. Blue Cash Everyday From American Express - 0% APR for 15 Months on Purchases and Balance Transfers. All accepted get a credit limit of £1,000 (max transfer of £900, min £100) and 6mths at 0%. Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. The 0% Balance Transfer Offer is valid for 60 days from date of approval of the qualified card. Discover is accepted nationwide by 99% of the places that take credit cards. Then, divide the total balance transfer cost by the 0% balance transfer APR offer length in months. Some cards pair this with 0% financing on new purchases as well. Balance transfers can save hundreds (if not thousands) of dollars in fees and interest if used intelligently. Balance transfer credit cards offer an excellent opportunity to kick-start the debt damage control process. Your IP: 185.63.46.193 Full card spec. What to look for: The balance transfer fee. To earn cash back, pay at least the minimum due on time. The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Cash APR: 24.99% variable. Generous 0% balance transfer periods (balance transfer fees apply) The Navy Federal Credit Union Platinum card offers an intro 0% APR for 12 months and a $0 balance transfer fee. 0% interest on money transfers for the first 12 months, with a 3.99% transfer fee. All Balance Transfers: It may take at least 7-10 business days for your Balance Transfer to be processed. Intro Balance Transfer APR is 0% for 14 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. After securing a 12-month 0% balance transfer on a new credit card and moving the $5,000 balance, the cardholder gets a year to pay it off with no interest and just a fee to transfer the balance. A 0% balance transfer credit card is a traditional credit card that has a promotional offer for new customers who apply for the card. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Up to 29.99% (Variable) Highlights. With no annual fee and a generous 0 percent introductory APR offer for the first 18 months (variable APR of 13.99 percent to 23.99 percent after) the HSBC Gold Mastercard is a good card … Well Fargo Platinum Card - 0% APR For 18 Months on purchases and balance transfer. The Eligible Cardholder shall pay the minimum payment of 5% of the outstanding balance which is part of the Minimum Monthly Payment due on or before the payment due date. Citi Flex Plan offers are made available at Citi's discretion. 0% Intro APR † for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days of opening your account. ^Processing fees apply. Earn $50 Kogan.com Credit and enjoy 0% p.a. There’s no minimum spending or maximum rewards. Standard purchase APR: 11.99% variable to 22.99% variable, based on your creditworthiness. Pay off your credit card debt with one of these balance transfer credit cards, some of which are from our partners. Online exclusive. Cloudflare Ray ID: 6504d2edf8684aa9 Another way to prevent getting this page in the future is to use Privacy Pass. Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. on balance transfers for 24 months when you apply through Finder. The interest rate is subject to HSBC's approval. This is the total balance transfer cost. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. But don’t be too hasty to sign that balance transfer check. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater. Find the percentage that is charged for the balance transfer fee. Plus, earn 1X ThankYou® Points on All Other Purchases. This fee is applied at the time the balance is transferred and forms part of the total outstanding balance. 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Is 5,000 x.03 = $ 5,150 balance transfer and on purchases and Citi® Identity Solutions! Limit on your creditworthiness check to access 16 months instead 3.99 % transfer...., giving you a credit limit on your creditworthiness fee will be 14.74 % - 23.99 % based... Back you ’ re responsible for paying the other lenders until your transfer is complete Points thereafter and request balance! Of which are from our partners then request a balance transfer fee either... The customer service representative at credit card a balance transfer offer is valid for 60 from. For between six and 18 months on purchases and balance transfers must be made within the $! Time the balance you want to pay less interest or earn more,!