Transfer cards

Credit card balance transfer feature can be a great way of consolidating your credit card debt and finding a way to dig yourself out of your debt burden. This option is in high demand and many credit card issuers include their balance transfer services upfront in promotion material. A good credit card balance transfer option can help them gain customers from rival credit card companies. There are a great number of credit cards that offer a 0% introductory credit card balance transfer fee. This way when you acquire your new card you can right way start transferring the balance from your old cards to your new ones.

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Transfer cards

			Miles by Discover^® Card
			The Miles Card from Discover® Card is designed for those who travel a lot by U.S. based airlines, and who would like to take part in the reward program offered. The most attractive feature is that each cardholder earn 12,000 bonus miles*. They can earn one mile for every dollar spent on general... Click here for the full review I want to apply for this credit card

Zero balance transfer credit cards. No fee, no percentage, no hidden costs... The real premium offers are listed here.

No Fee...

Do you have a lot of costs or enjoying an expensive lifestyle? You need a high balance credit card to transfer your balance to.

High Balance...

Do you need time to consolidate your balance? Offers with 0% Intro APR for up to 12 months on balance transfers

0 for 12 months...

These credit card offers usually promote a low fixed rate that applies to the transferred balance until it is paid off. So far, so good

Balance transfer promotions can be an excellent method for getting some low-interest (or interest-free) time between purchases and payment due dates. Additionally, transferring balances can be an astute option for those looking to consolidate their credit card debt at a lower interest rate.

But, as with anything that seems to good to be true, there may be provisions in the fine print of which you should be aware before making purchases with just any new credit card. Ignorance of these provisions could turn out to be expensive.

First, most credit cards only grant a "grace period" on purchases if you have completely paid off your previous balance. Since you are using this new card as a loan, that is not about to happen anytime soon. Therefore, interest charges will begin to accrue on each purchase from they day you buy them.

Second, these new purchases will often be subject to a higher interest rate and will be the last in line to get paid off. The credit card's regular higher APR will apply to these purchases. And, 100% of every payment you make on the new credit card will first go toward your finance charge, then toward the balance with the lowest interest rate. So the most recent items or services you paid for on credit will sit there, building up interest at the highest rate, and you can't stop it without paying off the balance transfer in full.

Transferring your credit card balance to an interest free credit card can save money on your debt repayments. As mentioned previously, another and possibly later option is to use credit card debt consolidation from a trusted source.

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Blue Cash(R) from American Express

0% intro APR on purchases for 6 months and no annual fee
Flexibility to pay over time
Get up to 5% cash back on everyday purchases at supermarkets, gas stations and drug stores
Choose your cash back reward: Enjoy the flexibility of redeeming your cash back rewards for statement credits, gift cards and a wide array of merchandise anytime.

Credit Needed	Annual Fee	Balance Transfer	Intro APR	Ongoing	Issuer
Excellent*	No Annual Fee	Yes	0% on Purchases for 6 months	17.24%-21.24% Variable	American Express

Blue Sky from American Express(SM)

0% intro APR on purchases for 6 months and no annual fee
Flexibility to pay over time
Turn purchases into free travel: Enjoy travel rewards with no travel restrictions or blackout dates - get points for flights on any airline, stays at any hotel, and car rentals with any company

Credit Needed	Annual Fee	Balance Transfer	Intro APR	Ongoing	Issuer
Excellent*	No Annual Fee	Yes	0% on Purchases for 6 months	17.24%-21.24% Variable	American Express

Platinum Delta SkyMiles(R) Credit Card from American Express

Earn 20,000 bonus SkyMiles(R) (including 5,000 Medallion Qualification Miles) after first purchase and another 2,500 for adding an Additional Cardmember
Earn one companion Coach Class ticket each year upon renewal
Earn at least 1 mile for every eligible dollar spent
Miles never expire and there is no cap on the miles you can earn
Pay with Miles: Pay for all or part of your flight with miles - and put the rest on your Card
Express Approval. Get a decision in less than 60 seconds.
Check your first bag free on every Delta flight

Credit Needed	Annual Fee	Balance Transfer	Intro APR	Ongoing	Issuer
Excellent*	$150 per year	Yes	None	14.5% variable	American Express

American Express (R) Gold Card

Earn 10,000 Membership Rewards(R) bonus points when you spend $500 in your first 3 months of Card membership - redeemable for select gift cards valued at $100!
The Membership Rewards program - Turn your everyday purchases into Membership Rewards points, and then redeem them for an amazing collection of travel, shopping, dining and entertainment rewards.
Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.
Express Approval. Get a decision in 60 seconds.

Credit Needed	Annual Fee	Balance Transfer	Intro APR	Ongoing	Issuer
Excellent*	$125 annual fee	N/A	N/A	N/A	American Express

Starwood Preferred Guest(R) Credit Card from American Express

Earn up to 25,000 Starpoints (SM) - enough for two free nights at the Westin St. Francis in San Francisco, the W Boston or any other category 5 hotel.
Redeem Starpoints (R) for free nights at over 1,000 hotels and resorts in nearly 100 countries and for free flights on over 350 airlines - all with no blackout dates.
No annual fee for the first year and $65 thereafter.
Stay 2 nights and get the 3rd night free at participating Sheraton (R) Hotels and Resorts worldwide.
Earn 4 to 5 Starpoints for every dollar you spend at Starwood Preferred Guest Hotels and Resorts.
Smarter Travel Editor's Choice Award for Best Travel Awards Card for Domestic Use.

Credit Needed	Annual Fee	Balance Transfer	Intro APR	Ongoing	Issuer
Excellent*	No annual fee for the first year - $65 thereafter	Yes	2.90% on Purchases and Balance Transfers for 6 months	15.24% variable	American Express

The Platinum Card(R) from American Express

Earn 25,000 Membership Rewards(R) bonus points when you spend $1,000 in your first 3 months of Card membership - redeemable for one domestic round-trip Coach-Class airline ticket!
Airport Club Access: Access airport lounges around the world, compliments of Airport Club Access Program.
24-Hour Concierge Service: From buying gifts to making reservations, the Platinum Card(R) Concierge is at your service so you can spend your energy doing what you want.
FINE HOTELS & RESORTS: Receive special amenities and comforts when staying at more than 600 boutique, resort and luxury hotels around the world.

Credit Needed	Annual Fee	Balance Transfer	Intro APR	Ongoing	Issuer
Excellent*	$450 annual fee	N/A	N/A	N/A	American Express

True Earnings(R) Card from Costco and American Express

Earn cash back on gas and a $25 statement credit with your first purchase made with the Card.
Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
No Annual Fee with your paid Costco Membership
The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
No Limit on the Cash Back earned

Credit Needed	Annual Fee	Balance Transfer	Intro APR	Ongoing	Issuer
Excellent*	No Annual Fee with your paid Costco Membership	Yes	0% on Purchases for 6 months	15.24% variable	American Express

Zync from American Express(SM)

Earn 10,000 Membership Rewards® points after first purchase.
Enjoy a low annual fee of just $25 for Basic Card
Pay no interest - that's because you pay in full each month
Choose the Lifestyle Packs you want to customize your Card with the benefits you use most
Protect eligible purchases with Purchase Protection and Extended Warranty
Earn Membership Rewards(R) points with every eligible purchase - redeem points for travel, shopping, and great entertainment rewards

Credit Needed	Annual Fee	Balance Transfer	Intro APR	Ongoing	Issuer
Excellent*	$25 annual fee	N/A	N/A [You must pay your balance in full each month]	N/A [You must pay your balance in full each month]	American Express