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Do you struggle to pay off high-interest credit card debt? It’s not just you. 57% of American households have an open balance on one or more active credit card accounts in 2020. Transfer your debt to one of these balance transfer credit cards with a 0% introductory APR if you’re paying high interest rates and start saving money.
Citi® Diamond Preferred® Card
Benefits: With one of the longest durations of 0% intro APR on debt transfers available, this credit card with no annual fee stands out from the competition. Benefit from a super-long introductory APR of 0% for 21 months on balance transfers, followed by a 17.49% – 28.24% (Variable) APR. Also, the Citi® Diamond Preferred® Card offers a fantastic initial APR of 0% for 12 months on Purchases and then 17.49% – 28.24% (Variable) APR after that if you are planning a major purchase, event, or trip. You can take as long as a year to pay off your balance without being concerned about interest accruing. Also, take advantage of extra benefits that are typically only offered on premium, high-annual fee cards. Get your FICO® score for free online. Citi Entertainment offers
Wells Fargo Active Cash® Card
Benefits: With the highest limitless cash back rate we’ve ever seen on a card without an annual fee, the Wells Fargo Active Cash® Card is a true game-changer in the rewards industry. It all begins with the card’s standout feature: members get a limitless 2% cash reward on purchases with no category restrictions and no reward expiration date. No other card on the market today provides such a high rate of genuinely unlimited cash back, so take that in. Hence, if you’re looking for a card that requires no maintenance and can help you get the most out of every transaction you make, this is it.
Capital One Quicksilver Cash Rewards Credit Card
Benefits: This convenient card can help you accelerate your efforts to get out of debt. Use the cash-back rewards to accelerate debt repayment! Use this card to earn money in two different ways. Get a one-time $200 cash incentive after spending $500 within three months of opening your account on purchases. Second, you’ll receive a daily maximum cash back rate of 1.5% on all purchases, and a daily maximum cash back rate of 5% on lodging and rental car reservations made through Capital One Travel (terms apply). You will earn money on every purchase, so you won’t have to worry about keeping track of changing bonus categories. Reload your balance with those infinite cash incentives to pay off your debt more quickly! This card offers 15 months of 0% intro APR on balance transfers, followed by APRs between 19.24% and 29.24%. (Variable)
Discover it® Cash Back
Benefit: Move your high-interest debt to this card for a lower initial APR as a benefit. 15 months at 0% intro APR, then 16.49% to 27.49% variable APR. When you activate, you’ll receive 5% cash back on regular purchases at various locations every quarter, including Amazon.com, supermarkets, dining establishments, and gas stations, up to the quarterly maximum. Moreover, automatically receive limitless 1% cash back on all other purchases. Then, exclusively from Discover, Unlimited Cashback Match. At the end of your first year, Discover will automatically double all the cash back you’ve earned! There is no minimum or maximum prize amount. You could exchange $150 in cash for $300. That means Discover will match whatever cash back you earn in your first year, up to $300, making your total cash back for the year $600. ! To activate the 5% cash-back offer, sign into your Discover account once every three months. Gas stations, warehouse clubs, groceries, dining establishments, and Amazon.com are among the most frequently visited places to spend money. Get an amazing 10% cash back on category purchases with your first-year sign-up bonus. Financing with an introductory APR of 0% Initial APR for 15 months, followed by a variable APR ranging from 16.49% to 27.49%. Get all of this with no yearly charge.
Citi Custom Cash℠ Card
Benefits: The Citi Custom CashSM Card is among the most cutting-edge credit cards available, delivering a rewards program that adjusts to your spending preferences and over a year of 0% initial APR on purchases and balance transfers. The enormous array of cash back benefits is where it all begins. Each billing cycle, get 5% cash back on purchases in your top qualified spend category, up to the first $500 spent, and 1% cash back on all other purchases. Get 1% cash back on all additional purchases indefinitely. This card determines the category where you’ve spent the most and applies the greatest rate of cash back return, unlike many cards that need you to manually choose a top cash back area, assuring you’ll receive the most cash back. will constantly work to increase your earning potential. And for brand-new clients, things just get better. Spend $1,500 on purchases within the first six months of opening your account to receive $200 in cash back. 20,000 ThankYou® Points, which may be exchanged for $200 in cash back, will be the form in which this bonus offer is delivered.
Bank Of America card® credit card
Benefits: By extending the introductory APR term, this card has recently improved and is currently among the best balance transfer cards on the market.
With this card’s $0 annual fee, take advantage of the extra-long introductory APR on purchases and debt transfers. Finance a brand-new product with a generous 0% Intro APR for 21 billing cycles, followed by a variable APR between 15.49% and 25.49%. Hence, there won’t be any monthly interest charges accruing throughout the promotional time. Additionally, you can stop paying high interest rates with 0% Intro APR for 21 billing cycles on any balance transfers made in the first 60 days, followed by a variable APR range of 15.49% to 25.49% on balance transfers, allowing your payments to be entirely applied to paying off your debt for more than a year.
Citi® Double Cash Card – 18 month BT offer
Benefits: This credit card has no annual fee and simply requires acceptable credit. The introductory APR on balance transfers is 0% for 18 months, after which it ranges from 18.49% to 28.49% (variable). Even so, that isn’t the finest part. With this card, you receive unlimited 1% cashback on all purchases, plus an additional 1% when you pay your bills in full each month.
This card is among the best credit cards for balance transfers and cash back rewards since it offers unlimited 1% cash back on purchases and an additional 1% when you pay for those purchases. Transferring high-interest debt is a breeze with it, and you may get cash back on any transactions without worrying about categories changing.
Bank of America® Customized Cash Rewards credit card
Benefits: The Bank of America® Personalized Cash Rewards credit card offers introductory 0% APR on purchases and debt transfers for protracted periods of time. Get 0% Intro APR on purchases for 18 billing cycles, followed by 17.49% – 27.49% Variable APR to help you pay off large-ticket items without accruing a lot of interest. Also, if you want to consolidate your debt, you can earn a 0% Intro APR for 18 payment cycles on any balance transfers you make in the first 60 days. After that, the APR on balance transfers will range from 17.49% to 27.49% Variable.
The distinctive three-tiered rewards scheme on this card, however, is where it really excels. You can receive automatic 2% back at 3% cash back in the category of your choice.
Citi Simplicity® Card
Benefits: Picture transferring a balance for almost two years at 0% introductory interest. With this industry-leading low-interest card from Citi, reshape your financial picture.
This is one of the greatest debt relief credit cards accessible for consumers who want to get rid of high-interest credit card debt. Move your high interest debt to this card and enjoy a 0% introductory APR on balance transfers for 21 months. Thereafter, the APR ranges from 18.49% to 29.24% (Variable). For almost two years, every of your payments will be applied immediately toward reducing your balance. You could avoid paying hundreds of dollars in interest by doing that. Moreover, you will benefit from a substantial initial APR of 0% for 12 months on purchases, followed by an APR range of 18.49% – 29.24% (Variable). Citi keeps things easy. It’s
Wells Fargo Reflect® Card
Benefits: The Wells Fargo Reflect® Card has you covered if a large bill is in the horizon with 18 months of 0% intro APR on purchases followed by a continuing 17.49% – 29.49% variable APR after that. But this card really stands out because it gives you the chance to extend that already exceptional savings period by up to another 3 months if you make all of your minimum monthly payments on time. This could result in an outstanding 0% intro APR for up to 21 months from account opening, or nearly two years!
The same deal also applies to balance transfers; if you’re moving a balance from another high-interest credit card, you might be eligible for 0% introductory APR for up to 21 months.
Citi Rewards+® Card
Benefits: Perks include an introductory APR of 0% for 15 months on purchases, followed by a variable APR of 17.99%–27.99%, and an introductory APR of 0% for 15 months on balance transfers (variable).
Get additional points for each purchase (even the little ones). The only card that automatically rounds every purchase to the nearest 10 points is the Citi Rewards+® Card. That implies that you would receive 10 points back for a $2 coffee purchase. For the first $6,000 of your annual spending, you can earn 2X ThankYou® Points at supermarkets and gas stations, and 1X Points after that. Additionally, all other purchases will earn 1X ThankYou® Points. To qualify for the sign-up bonus, there is a minimal spending requirement. Once you use your card to make transactions totaling $1,500, you’ll receive 20,000 bonus points.
Discover it® Balance Transfer
Benefits: With the Discover it® Balance Transfer credit card, you can combine a 0% introductory APR on purchases and balance transfers with the chance to earn 5% cash back on regular purchases at various locations each quarter, including Amazon.com, supermarkets, restaurants, and gas stations, up to the quarterly maximum when you activate. Moreover, automatically receive limitless 1% cash back on all other purchases. When you take into account this card’s astounding sign-up bonus, Unlimited Cashback Match – only from Discover, the rewards program gets even better. At the end of your first year, Discover will automatically double all the cash back you’ve earned! There is no minimum or maximum prize amount. You could exchange $150 in cash for $300. Although the suite of this card is highly competitive
Blue Cash Everyday® Card from American Express
Benefits: If you regularly buy groceries and petrol and want to get big cash back without paying an annual fee, this card might be the ideal choice for you. New cardholders have immediate access to a fantastic welcome offer: After making $2,000 in purchases with your new Card during the first six months, you will receive a $200 statement credit. Also, when you take into account the top-notch rewards program offered by this card, your points could quickly accumulate. 3% Cash Back at American supermarkets for up to $6,000 in purchases annually, then 1%. 1% Cash Back after $6,000 in Cash Back on U.S. online retail purchases. Up to 3% Cash Back at U.S. fueling stations
Chase Freedom Unlimited®
U.S. Bank Altitude® Go Visa Signature® Card
Benefits: The U.S. Bank Altitude® Go Visa Signature® Card is a superb option for almost everyone, as it makes transferring your existing credit card balance simple with 0% APR for 12 billing cycles on balance transfers and a 19.49% – 28.49% (Variable) rate after the intro period.
But the benefits are where this card really excels. Get 2X points at grocery stores, grocery delivery, gas stations, EV charging stations, and streaming services. Earn 4X points for dining, takeaway, and restaurant deliveries. A $15 credit is also included for annual streaming subscriptions to services like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max, and others! Moreover, all other qualified purchases will receive 1X points. Not only that, but this card also boasts a powerful
