4 Balance Transfer Cards Worth The Hype

Debt sucks!

Not only does it kill your bank account, it also takes the fun out of our day-to-day lives. Many of us have succumbed to it in the form of high-interest credit card debt and it's time to put a stop to the cycle!

Wouldn't it be so great to finally say goodbye to high-interest payments once and for all? If you have credit card debt, it's probably time to consider putting together a plan to pay down your balance as soon as possible. 

It's easy to get used to paying interest on top of your standard credit card payments, but it's money that could be better utilized so many other ways.

A 0% interest credit card could be the answer. It'll help you pay down debt by giving you an extended period of time to make interest-free payments.

Having extra time will help you get ahead on payments and really see progress towards paying down your debt.

We've kept our eyes on the very best credit cards to help you take the steps towards financial freedom. Some even have the longest interest-free duration we've ever seen, while others come packed with extra benefits. Take a look:

1. Discover it® - 18 Month Balance Transfer Offer

Why it's worth the hype -

  • 0% intro APR for 18 months on balance transfers and purchases 
  • Ongoing APR will be between 10.99% - 22.99%, depending on creditworthiness
  • 5% cash back bonus in rotating categories on up to $1500 per quarter!
  • Spending categories change quarterly
  • Peace of mind: Discover Freeze It℠ on/off switch lets you prevent new purchases, cash advances, and balance transfers if your card goes missing
  • Pay down balances AND earn rewards: 1% cash back on all other purchases
  • Online shopping benefits with 5-20% cash back with over 200+ retailers
  • No penalty interest rates
  • No late fee on your first missed payment
  • No over-your-limit fee
  • No annual fee
  • Free FICO® Credit Score every month
  • Award winning, US-based customer service
  • Learn more and apply


2. Chase Slate®

Why it's worth the hype - 

  • Named "Best Credit Card for Balance Transfers" three years in a row by MONEY Magazine
  • The ONLY top-rated card to offer absolutely zero fees for transferring balances during 15 month intro period
  • 0% intro APR for 15 months on all balance transfers and purchases
  • $0 transfer fee within the first 60 days
  • Ongoing APR will be between 13.24% - 23.24%, depending on creditworthiness
  • Chase Price Protection: if a purchase you've made advertises a lower price within 90 days, you'll be reimbursed the difference
  • Access the Chase Blueprint program to help pay off your balance quicker
  • No penalty interest rates
  • No annual fee
  • Free FICO® Credit Score every month
  • Learn more and apply


3. Blue Cash Preferred® from American Express

Why it's worth the hype - 

  • 0% intro APR for 12 months on balance transfers
  • Earn $150 bonus when you spend $1,000 within 3 months of opening an account
  • Ongoing APR will be between 13.24% - 23.24%, depending on creditworthiness
  • 6% cash back in supermarkets (up to $6,000) - one of the highest rates available!
  • 3% cash back on at gas stations & select department stores
  • 1% on other purchases
  • Return Protection: if you aren't able to get a refund an item, Amex will refund it within 90 days of purchase
  • Extended Warranty on purchases made with your card
  • 24/7 Travel & Emergency assistance 
  • Complimentary access to ShopRunner which provides free 2-day shipping at select stores
  • $95 annual fee
  • Learn more and apply


4. Citi® Diamond Preferred®

Why it's worth the hype - 

  • Ultra-long 0% intro APR for 21 months on new purchases and balance transfers
  • Ongoing APR will be between 12.24% - 22.24%, depending on creditworthiness
  • Choose your own payment due date
  • Benefits through Citi Price Rewind, Citi Private Pass, and Citi Concierge
  • Extended warranty on purchases made with your card
  • 24/7 Travel & Emergency assistance
  • Trip cancellation & Interruption Protection
  • Identity theft protection
  • Free FICO® Credit Score every month
  • No annual fee
  • 24/7 customer support
  • Learn more and apply

Disclaimer: This content and the opinions expressed here are the author’s alone and have not been provided, commissioned, or endorsed by the credit card issuer. All information was accurate at the time of this post but card terms and conditions may change at any time. 

Are you looking for a balance transfer card? Share your thoughts in the comments below!

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