Best Time To Transfer Credit Card Balances Is Before The Holidays

If you have run up a few credit cards and desire to consolidate the monthly payments into one monthly bill, these credit card offers I have selected are just what you are looking for. Not only can you consolidate your payments into one payment, you will also enjoy a 0% intro period on any balance transfer. If you expect it will take you quite awhile to pay off your balance, pick an offer with the longest 0% intro period as possible.

We reached out to Steven Moore, who is the head editor with the BCC Network a leading group of consumer websites that helps consumers navigate credit card offers to identify five top promotions to take advantage of still in 2014. The top five balance transfer credit cards he shared appeal to borrowers with a wide range of goals and credit histories. We have kept this list with only card offers that charge 3% or less balance transfer fee and omitted the card offers that carry a 5% balance transfer fee.

Chase Slate
This card makes it to the top of our list due to not having a balance transfer fee. For most consumers, this is the top 0% balance transfer offer due to no balance transfer fees. Forbes Online listed this as the best 0% offer in 2013. You also get 0% intro APR on balance transfers and purchases for 15 months, making this card ideal for a balance transfer if you can pay off the debt with in 15 months. The 0% balance transfer fee is only available for transfers that are made during the first 60 days of opening the account, so be sure to make all your balance transfers in that time, or you will face a 3% balance transfer fee there after. This card has no rewards, but it also has no annual fee. The interest rate ranges from 12.99% to 22.99% depending on credit worthiness, but any interest can be avoid by paying the entire balance off in full during the 15 month 0% APR intro period.

Citi Simplicity® Card
This card offers an amazing 18 month 0% intro APR not only on balance transfers, but also purchases. The balance transfer fee is only 3% of the total balance transferred, and the interest rate ranges from 12.99% to 21.99% depending on your credit rating. This card is perfect for those trying to catch up on debts, it has no late fee’s for late payments and no interest penalty rates ever. No annual fee either. Customer service is U.S based and available 24 hours a day. The only drawback to this card is the lack of any rewards program with this card.

Discover it®

Another 18 month 0% APR on balance transfers intro card, it also includes 0% intro APR for purchases. There is a 3% transfer fee on the balance transferred, but with 18 months of no interest you can pay off the balance in full over the course of a year and a half. The interest ranges from 10.99% – 22.99% depending on your credit score. This card is the first balance transfer card on your list with a rewards program, the reward program has bonus cash back categories. Other perks include no annual fee, No foreign transaction fee, U.S.- based customer service, and your FICO score free on every credit card statement and online.

Citi® Double Cash Card
This card offers a 1% cash back on all purchases, as well as another 1% cash back when you pay for those purchases on your balance, and it also offers a generous 0% Intro APR on Balance Transfers and Purchases for 15 months. This card unlike many other cards has no category restrictions and no caps towards cash back earned. This option is ideal for people who will make some purchases while making use of the balance transfer feature. This is the top cash back rewards program available, and the APR is quite fair at 12.99%-22.99% depending on your credit worthiness. This however is not a good card if you ever expect to be late with a payment, as they assess a penalty APR up to 29.99% when it comes to missing a payment even by 1 day. This card like the rest on list features no annual fee.

Citi® Diamond Preferred® Card

This card also features a 0% Intro APR on Balance Transfers and Purchases for 18 months. The interest or APR ranges from 11.99%-21.99% based upon your credit score. Like most of the cards on this list there is a balance transfer fee of $5 or 3% of the balance transferred, whichever is greater. This card also has a nice rewards program called Citi® Easy Deals which awards you points for all your purchases, and the points can be redeemed for online deals on name-brand merchandise, gift cards and local deals such as restaurant certificates. This cards concierge service can even help you find deals for and book hotels, airfare and more. This card has no annual fee, but this card does require excellent credit.

UNITY® Visa Secured Credit Card – The Comeback Card
For those with bad credit there is still an option to consolidate your debt. This secured credit card has no 0% intro APR however, the APR intro is 9.95% on balance transfers for 6 months, and there after the APR goes to a fixed rate 17.99% interest. Still a good deal for those wishing to consolidate a bunch of small debts onto one card and save a little but of money while doing so. This card has no rewards and does have an annual fee involved.