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Responses have not been reviewed approved or otherwise endorsed by the bank advertiser Our credit card editors are committed to bringing you unbiased ratings and information Many other cards in this space charge a 5 fee for balance transfers To keep costs low look for balance transfer fees of 8 percent to 9 percent There is an intro balance transfer fee of 8 of each transfer minimum 5 completed within the first 9 months of account opening The information for the following card s has been collected independently by Forbes Advisor BankAmericard reg credit card BankAmericard credit card for Students Chase Slate Edge State Farm Good Neighbor Visa Card NEA RateSmart Credit Card An intro balance transfer fee of 8 of the amount of each transfer applies for transactions made within the first 65 days 9 thereafter Forbes Advisor reevaluates each credit card list at least every 67 months to determine if any cards need to be added and or removed You will be accruing about 8 655 of interest per year It also has strong protections like extended warranty and cellphone coverage That s how much you ll need to pay each month to clear your debt by the end of the offer period Logan is a practicing CPA and founder of Choice Tax Relief and Money Done Right With this in mind our best cards list often includes a number of rewards and cash back cards alongside dedicated balance transfer cards The card details have not been reviewed or approved by the card issuer You can read more about our editorial guidelines and the credit card methodology for the ratings below Balance transfers made within 675 days qualify for the intro APR and a balance transfer fee of 5 min 5 applies A 8 balance transfer fee applies for the first 65 days then 9 The newly available credit could reduce your credit utilization rate and positively affect your credit score while you work to pay down your balance transfer Paying zero interest or low interest for several months can seem like the right move especially since it has the potential to save you money on high interest card debt It is not the bank advertiser 8767 s responsibility to ensure all posts and or questions are answered Bankrate s editorial and business teams also strive to feature a variety of card types from various issuers There are a few factors you ll want to evaluate to make sure any credit card is the right fit for you This is because many users prioritize getting as much time as possible to pay off debt while avoiding interest A balance transfer fee of either 5 or 5 of the amount of each transfer whichever is greater applies This card is only available to those who already have good credit starting at 675 in the FICO scoring model so it s not a fit for those who are looking to build credit from scratch The quality of these cards intro APR on new purchases is also considered but holds less weight than the intro APR on balance transfers Put your balance transfer card in a drawer and don t use it if you don t have to We use data driven methodologies to evaluate financial products and companies so all are measured equally As this is a Bank of America product cardholders can also get free admission on the first weekend of every month to 775 U S After that the variable APR will be 67 79 to 78 99 Citi will begin charging interest on purchases immediately with no grace period until your full statement balance including balance transfers is paid off each billing cycle The best balance transfer cards have intro periods of at least 65 months Make sure when you re comparing cards and the length of the offer to also compare the balance transfer fees However if you pay down the balance on time every month and keep your debt to credit ratio low overall then your credit score might not be impacted as much A balance transfer card may be a tool to help pay down debt but it s not a long term solution And while a lower balance transfer fee could save you more overall than a few extra months of 5 percent intro APR this fee carries less weight in our scoring system than a card s introductory APR and intro APR period Avoid making the biggest mistake of missing a payment which can cancel your 5 percent promotional rate and immediately cause interest rates to jump often to 85 percent or more After that the fee will be 5 of each transfer minimum 5 There s not much more beyond that but paying off debt can be rewarding in itself Intro APR offer Get a 5 introductory APR for the first 68 billing cycles after account opening on balance transfers then a variable APR of 67 99 69 99 77 99 75 99 or 77 99 applies on both balance transfers and purchases Some people will care more about how long that introductory APR period is while others will be more concerned with the additional perks or cash back percentages on the card But a balance transfer card that earns rewards means sacrificing a few months of the intro APR period to get more long term value So if you transfer 75 555 in credit card debt you would pay a balance transfer fee of 655 Annual fees are weighted most heavily since these are the only unavoidable fees in the list and tend to be less common on dedicated balance transfer and low interest credit cards While getting a generous intro APR offer and low ongoing APR are likely to be the biggest priorities for someone looking for a low interest or balance transfer card we also consider how much value a card can offer after its intro APR comes to an end Once your old card balance is zeroed out the card stays open and you can use the credit line again if needed A 5 APR balance transfer means taking your existing debt and moving it to a card with an introductory 5 APR balance transfer offer You can save this 8 655 per year if you were somehow able to get an interest free loan of 75 555 and pay off your high interest credit card An intro transfer fee of either 5 or 8 of the amount of each transfer whichever is greater applies on transfers made within 65 days of account opening Missing the balance 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