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The Best Balance Transfer Cards - Online Offers

Balance Transfer Cards

These credit cards have the best conditions for balance transfer from a card on a card, thus saving money for percentage payments. Offers for transfer of balance consist of 3 elements, offer rate, offer duration and transaction fee. There are usually 3 types of offers by rate and duration: Purchase rate, teaser rate, and the established life of loan rate.

What Balance Transfer Credit Cards Offer for you?

When you?re looking to get a balance transfer credit card the one thing that you have to work hard at it is to maintaining good credit score.  When you?re looking to maintain your credit score you have to look at your past bills and how often you have been late.  A good credit score can give you the credit card that you need so that you have money to fall back on just in case something happens because nobody can predict when an emergency is going to happen.

With a balance transfer credit card you?ll be able to earn Cash Back bonuses for good credit management.  This means as long as you maintain a good credit score you?ll be able to receive cash back on all of your purchases made by this credit card.

You?ll also receive a 0% APR interest rate on balance transfers for 15 months.  The one thing that you have to be well aware of is that after the 15 months are up standard rates apply which could be anywhere from 10.99% to 20.99% APR.

Using this discover card you?ll be able to get up to 20% Cashback bonuses at your most popular retailers when you shop online. This reward is based on the discover card and they give you the bonuses as well as other cash back promotions.

Another great thing that you get with this company card is that you have a company that has ranked number one in customer loyalty 16 years in a row.  Based on the 2012 bring keys customer loyalty engagement index report this company shows major loyalty and their customers and will do just about anything to keep them as a customer.

You also get a 24 hour a day seven days a week access to an account manager within 60 seconds.  If you have a problem with your account there will always be somebody on the other line to help you out to fix the problem.

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Useful Credit Cards Tips »

Watch out for the 'revert rate' on balance transfer offers. In order to tempt you to switching to their credit cards, banks and other card providers are offering great balance transfer offers to existing card holders. These rates have hit rockbottom as low a 0 per cent. This means any outstanding balance you may have on your old rival credit card can be transferred to the new card with no interest charged on that money. But the balance transfer offer will generally only run for three to six months, after which the standard interest rate for that card, or the 'revert rate', will apply. And new purchases will be subject to the standard rate straight away. By all means take advantage of balance transfer offers to help you pay off your lingering credit card debt, but try to pay off the old debt before the balance transfer period runs out. And make sure the revert rate is reasonable too. No one should need to pay credit card interest rates of 17 to 19 per cent anymore.

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