Welcome to Balance Transfers 101

Get 0% on balance transfers for up to 21 months ! You can actually save hundreds of dollars monthly. Transfer your balance to a credit card offering 0% interest on balance transfers. Many cards offer 0% introductory rates on balance transfers and purchases. It is important to identify the rate on balance transfers and purchases, since they can differ.

Transferring your credit card balance to a card offering 0% buys you time to make real progress in reducing your debt. When you fill out the application, you will see a section for balance transfers. Provide the information of your credit card with a high balance, and the new credit card company will do the transfer for you.

Below we have listed some of the best credit cards for balance transfers online. Apply today, and begin saving money by reducing your monthly interest charges. If you simply want a new credit card with a great rate, you came to the right place.

- BalanceTransfers101.com

Card Name and Details:
Card Style:

Points to Consider When Selecting a New Card:


Make sure you transfer the balance of the most costly card first. This may not necessarily be the card you hold with the highest interest rate.


Pay more than the minimums. Paying only the minimum amount due each month will take longer to reduce your balance down to zero.


After the introductory rate ends, what will my new rate be? Generally, this depends on your credit rating.


Will my credit card balance be paid off when the introductory rate ends?


Mark your calendar for when your low introductory rate ends and make an evaluation of what to do next as this date approaches.


Are there any transfer fees when doing the balance transfer? These can be 3% to 5%.


Am I still better off if there is a transfer fee? The answer is yes. The money that you will save in interest each month easily outweighs any small fee.

Discover it® Balance Transfer Card

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Wells Fargo Platinum Card

Click here to apply

Citi Simplicity® Card

Click here to apply

Always read the card terms, conditions, rates, and fees so you understand beforehand how your new card works. Start paying off a larger portion of your balance each month, not just the interest, with your new low rate. The goal is to be debt free, or at least, under more control.