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Balance Transfer Credit Cards

If you’re carrying a lot of credit card debt and have good or excellent credit, you can lower your monthly interest payments by transferring your remaining balance to one of the following balance transfer credit cards, which offer low introductory interest rates (sometimes as low as zero percent). This low interest period not only reduces the cost of your debt, but also enables you to apply a bigger portion of your monthly payments toward principal reduction instead of interest charges, thus getting you out of credit card debt faster.

When deciding between balance transfer credit card offers (certain offers are…show more

    4 1,467 reviews

    Citi Simplicity® Card – No Late Fees Ever


    citi simplicity
    • Purchase Intro APR 0% for 21 months
    • Transfer Intro APR 0% for 21 months 3% (min $5) Transfer Fee
    • Regular APR 13.24% - 23.24% (V)
    • Annual Fee $0*
    • Rewards Rate None
    • Minimum Credit Excellent
    • Rewards Details
    • Additional Info
    • The ONLY card with No Late Fees, No Penalty Rate and No Annual Fee…EVER
    • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness.
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
    • The same great rate for all balances, after the introductory period.
    • Save time when you call with fast, personal help, 24 hours a day – just say “representative”.
    • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month.
    • See More Details & Reviews About The Citi Simplicity® Card – No Late Fees Ever
    3.5 935 reviews

    Citi® Double Cash Card – 18 month BT offer


    citi double cash card
    • Purchase Intro APR Not Offered
    • Transfer Intro APR 0% for 18 months 3% (min $5) Transfer Fee
    • Regular APR 13.24% - 23.24% (V)
    • Annual Fee $0*
    • Rewards Rate 1% + 1% Cash Back
    • Rewards Bonus None
    • Minimum Credit Good
    • Rewards Details
    • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
    • No categories to track, no caps on cash back, no annual fee*
    • Additional Info
    • Balance Transfers do not earn cash back
    • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness
    • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
    • See More Details & Reviews About The Citi® Double Cash Card – 18 month BT offer
    3.5 3,274 reviews

    Capital One® Quicksilver® Cash Rewards Credit Card


    capital one quicksilver
    • Purchase Intro APR 0% for 9 months
    • Transfer Intro APR 0% for 9 months 3% Transfer Fee
    • Regular APR 13.24% - 23.24% (V)
    • Annual Fee None
    • Rewards Rate 1.5% Cash Back
    • Rewards Bonus $100
    • Minimum Credit Good
    • Rewards Details
    • One-time $100 cash bonus after you spend $500 on purchases within the first 3 months
    • Earn unlimited 1.5% cash back on every purchase, every day
    • Every 10th Uber ride is free up to $15 when you pay with your Quicksilver card through March 31, 2017
    • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
    • Additional Info
    • 0% intro APR on purchases for 9 months; 13.24%-23.24% variable APR after that
    • Balance transfers also have a 0% intro APR for 9 months; 13.24%-23.24% variable APR after that; a 3% fee applies to each balance transferred
    • Pay no annual fee or foreign transaction fees
    • See More Details & Reviews About The Capital One® Quicksilver® Cash Rewards Credit Card
    3.5 1,857 reviews

    Chase Slate®


    chase slate
    • Purchase Intro APR 0% for 15 months
    • Transfer Intro APR 0% for 15 months $0 Intro Transfer Fee
    • Regular APR 13.24% - 23.24% (V)
    • Annual Fee $0
    • Rewards Rate None
    • Minimum Credit Good
    • Rewards Details
    • Additional Info
    • Chase Slate named "Best Credit Card for Balance Transfers" three years in a row by MONEY Magazine
    • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
    • 0% Introductory APR for 15 months on purchases and balance transfers
    • Monthly FICO® Score and Credit Dashboard for free
    • No Penalty APR – Paying late won't raise your interest rate (APR). All other account pricing and terms apply
    • $0 Annual Fee
    • See More Details & Reviews About The Chase Slate®
    3.5 1,583 reviews

    Blue Cash Everyday® Card from American Express


    • Purchase Intro APR 0% for 12 months
    • Transfer Intro APR 0% for 12 months 3% Transfer Fee
    • Regular APR 13.24% - 23.24% (V)
    • Annual Fee None
    • Rewards Rate 1 - 3% Cash Back
    • Rewards Bonus $100
    • Minimum Credit Excellent
    • Rewards Details
    • Earn $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive cash back in the form of statement credits.
    • Earn Cash Back: 3% at U.S. supermarkets on up to $6,000 per year in purchases, 2% at U.S. gas stations & select U.S. dept stores, 1% on other purchases. Terms and limitations apply.
    • Simple and straightforward: With the Blue Cash Everyday Card, you can start earning cash back. No rotating reward categories. No enrollment required.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Cash back is earned only on eligible purchases.
    • Terms and Conditions apply.
    • Additional Info
    • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
    • See More Details & Reviews About The Blue Cash Everyday® Card from American Express
    3.5 408 reviews

    Barclaycard Arrival™ World MasterCard®


    barclaycard arrival
    • Purchase Intro APR Not Offered
    • Transfer Intro APR 0% for 12 months 3% Transfer Fee
    • Regular APR 16.24% - 24.24% (V)
    • Annual Fee None
    • Rewards Rate 1 - 2 miles / $1
    • Rewards Bonus 20,000 miles
    • Minimum Credit Good
    • Rewards Details
    • Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 90 days — that's enough to redeem for a $200 travel statement credit
    • Earn 2X miles on travel & dining and 1X miles on all other purchases
    • Get 5% miles back to use toward your next redemption, every time you redeem for travel statement credits
    • Additional Info
    • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
    • No foreign transaction fees on anything you buy while in another country
    • 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR currently 16.24%, 20.24% or 24.24%, depending on your creditworthiness.
    • Complimentary online FICO® Credit Score access for Barclaycard Arrival cardmembers
    • See More Details & Reviews About The Barclaycard Arrival™ World MasterCard®
    4.5 2,594 reviews

    Barclaycard Arrival Plus™ World Elite MasterCard®


    barclaycard arrival plus
    • Purchase Intro APR Not Offered
    • Transfer Intro APR 0% for 12 months 3% Transfer Fee
    • Regular APR 16.24% - 20.24% (V)
    • Annual Fee None 1st yr, $89 after
    • Rewards Rate 2 miles / $1
    • Rewards Bonus 40,000 miles
    • Minimum Credit Good
    • Rewards Details
    • Earn 40,000 bonus miles when you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $400 travel statement credit
    • Earn 2X miles on all purchases
    • Get 5% miles back to use toward your next redemption, every time you redeem for travel statement credits
    • Additional Info
    • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
    • No foreign transaction fees on anything you buy while in another country
    • 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR will apply, currently 16.24% or 20.24%, depending on your creditworthiness.
    • Complimentary online FICO® Credit Score access for Barclaycard Arrival cardmembers
    • See More Details & Reviews About The Barclaycard Arrival Plus™ World Elite MasterCard®
    4 2,065 reviews

    Chase Freedom®


    chase freedom
    • Purchase Intro APR 0% for 15 months
    • Transfer Intro APR 0% for 15 months 5% (min $5) Transfer Fee
    • Regular APR 14.24% - 23.24% (V)
    • Annual Fee $0
    • Rewards Rate 1 - 5% Cash Back
    • Rewards Bonus $150
    • Minimum Credit Excellent
    • Rewards Details
    • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
    • Unlimited 1% cash back on all other purchases – it’s automatic
    • Enjoy new 5% categories every 3 months like gas stations, restaurants, and wholesale clubs
    • Cash Back rewards do not expire as long as your account is open
    • Additional Info
    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
    • No Annual Fee
    • See More Details & Reviews About The Chase Freedom®
    3.5 2,846 reviews

    Capital One® QuicksilverOne® Cash Rewards Credit Card


    quicksilverone rewards
    • Purchase Intro APR 0% for 9 months
    • Transfer Intro APR 0% for 9 months No Transfer Fee
    • Regular APR 23.24% (V)
    • Annual Fee $39
    • Rewards Rate 1.5% Cash Back
    • Rewards Bonus None
    • Minimum Credit Limited History
    • Rewards Details
    • Earn unlimited 1.5% cash back on every purchase, every day
    • Every 10th Uber ride is free up to $15 when you pay with your QuicksilverOne card through March 31, 2017
    • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
    • Additional Info
    • 0% intro APR on purchases for 9 months; 23.24% variable APR after that
    • Get access to a higher credit line after making your first 5 monthly payments on time
    • Fraud Coverage - You're covered by $0 Fraud Liability if your card is ever lost or stolen
    • Travel & Emergency Assistance - Available 24/7 to help connect you with local emergency and assistance resources when you're away from home
    • Extended Warranty - automatically doubles the original manufacturer's/store's warranty on eligible purchases
    • See More Details & Reviews About The Capital One® QuicksilverOne® Cash Rewards Credit Card
    4 1,172 reviews

    Blue Cash Preferred® Card from American Express


    • Purchase Intro APR 0% for 12 months
    • Transfer Intro APR 0% for 12 months 3% Transfer Fee
    • Regular APR 13.24%-23.24% (V)
    • Annual Fee $95 ($75 if your application is received by 8/3/16)
    • Rewards Rate 1 - 6% Cash Back
    • Rewards Bonus $150
    • Minimum Credit Excellent
    • Rewards Details
    • Earn $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $150 back in the form of statement credits.
    • Earn Cash Back: 6% at U.S. supermarkets on up to $6,000 per year in purchases, 3% at U.S. gas stations & select U.S. dept stores, 1% on other purchases. Terms and limitations apply.
    • With the Blue Cash Preferred® Card, you can get cash back. No rotating reward categories. No enrollment required.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Cash back is earned only on eligible purchases.
    • Terms and Conditions apply.
    • Additional Info
    • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
    • See More Details & Reviews About The Blue Cash Preferred® Card from American Express
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    Expert’s Answers

    What is a balance transfer, and how can I go about doing one?

    By: Odysseas Papadimitriou, CardHub CEOA balance transfer, at its core, is a means of lowering the cost of your debt. In theory, you can transfer the remaining balance on any loan or line of credit to a balance transfer credit card and thereby pay it down while incurring interest at a lower rate. While you can transfer balances to most credit cards, certain cards are branded as being “balance transfer credit cards” because of their low balance transfer rates or lack of balance transfer fees.

    There are essentially two ways in which you can approach a credit card balance transfer. First, you can transfer your debt to a credit card you already have but do not revolve a monthly balance on. Alternatively, you can open a new credit card with the express intent of transferring a balance to it. There are advantages and disadvantages to both courses of action. By transferring your debt to a currently held credit card, the process will be quicker, but you probably won’t get the best balance transfer deal. If you open a new card you’ll be able to compare balance transfer credit card offers from a lot of different issuers but will have to wait for your application to be processed.

    While you’re nailing down the logistics of your credit card balance transfer, it’s worth it to call the credit card company to which you are indebted and say that you plan on doing a balance transfer, unless you are given a significant interest rate reduction. Your rate won’t be reduced to 0%, but even a slight APR reduction will help you save during the time it takes for your 0% transfer to be approved and processed.

    What kind of balances can I transfer to a credit card?

    By: Odysseas Papadimitriou, CardHub CEOIssuers used to be pretty liberal about this, allowing consumers to transfer balances from credit cards, store cards and even certain types of loans. Over the years, however, more and more credit card companies have started only approving balances transferred from Visa, MasterCard, American Express and Discover credit cards. This makes things simpler from an operational standpoint and allows issuers to limit risk, since they have a good sense of the source of the balance being transferred.

    Does it matter which credit card company issues my balance transfer card or which card network it’s on?

    By: Odysseas Papadimitriou, CardHub CEOIn short, not really. The credit card company you get your balance transfer credit card from only matters if there is a particular issuer that allows you to earn rewards on the amount you transfer or transfer debt other than that which originates from a credit card. Some people might also bring up differences in customer service at this point, but besides submitting your application and making monthly payments, you’re not going to have much to do with your credit card company. Better terms would therefore trump better customer service in most cases. When it comes to your balance transfer card’s network (i.e. Visa, MasterCard, Discover or American Express), there’s absolutely no difference from one to the next. Your card’s network simply dictates the number of merchants locations at which you can make purchases, and you should never make purchases with a balance transfer credit card, given that your revolving transferred balance removes your grace period for payments, and interest begins accruing on your charges as soon as you make them.

    How long does a balance transfer take?

    By: Odysseas Papadimitriou, CardHub CEOWhile each issuer has its own policy, balance transfers usually take around 15-25 days from the time you submit a balance transfer credit card application. In the meantime, it is very important that you continue to make payments toward the balance being transferred and that you send these payments to your original creditor. Once the credit card transfer is finalized, you will see a credit listed on your original account (as if a payment was made) and a debit indicated on your balance transfer credit card account. Remember that as soon as your balance gets transferred, interest will begin accumulating, unless you have a 0% transfer card.

    What are the most important balance transfer credit card features to consider?

    By: John Kiernan, Personal Finance EditorHow worthwhile a particular balance transfer card will be depends on four factors: the balance transfer fee, the introductory transfer APR, the length of the introductory period, and the regular interest rate that will apply once the intro terms expire. Before comparing balance transfer credit card offers, we recommend using a credit card payoff calculator to determine approximately how long it will take you to pay off your balance. If you determine that you will be able to become debt free within the zero percent balance transfer introductory periods commonly being offered, then all you have to focus on is the balance transfer fee. The regular interest rate will be inconsequential.

    If, on the other hand, that isn’t possible, the regular rate comes into play and the card with the longest introductory period isn’t necessarily the best balance transfer credit card for you. Instead, you should use a credit card debt calculator to figure out which offer allows you to minimize the combined cost of the balance transfer fee, interest incurred during both the intro period (if it isn’t a 0 percent transfer card) and after the regular rate kick in. It’s important that you not disregard a balance transfer credit card’s regular APR, thinking that even if a balance remains at the conclusion of the intro period, you can simply transfer it to another balance transfer card. Many consumers made this mistake in the lead-up to the Great Recession and incurred costly interest charges when the balance transfer credit card market dried up. Low interest balance transfer credit cards aren’t always available, after all, and while you could be lucky, you shouldn’t count on it.

    Is there such thing as a free balance transfer?

    By: John Kiernan, Personal Finance EditorNot anymore. Free balance transfer credit cards (i.e. cards with 0% balance transfer APRs and no balance transfer fees) were once offered because credit card companies were allowed to revoke the 0% APR and institute an interest rate above 20% after a customer missed a payment by even a single day or went over limit by a few dollars. Banks could therefore afford to offer free balance transfers because the revenues gained from the many consumers who slipped up far outweighed the losses incurred as a result of those people who somehow managed flawless use. Now, with the passage of laws preventing "gotcha" practices, banks tend to offer either no balance transfer fee credit cards or 0% balance transfers, but not both. And if you somehow do manage to find a 0 APR no balance transfer fee offer, the 0% intro term isn’t likely to be competitive.

    When are 0% balance transfer offers available?

    By: Odysseas Papadimitriou, CardHub CEOThe existence of zero interest balance transfer cards depends both on the economy and the timing of your request. In times of fiscal well-being, 0 balance transfer credit cards are typically prevalent because credit card companies can afford to offer such attractive terms in order to lure new customers. On the other hand, during tough times, such offers may be few and far between. For example, during the worst of the Great Recession, it was nearly impossible to find 0% balance transfer credit cards, as most issuers did not want to add indebted customers to their portfolios.

    Additionally, in order to get the advertised introductory rates, credit card companies require that you apply for a balance transfer either at the same time you submit a credit card application or within 30-60 days of doing so. We therefore recommend that you have the amount you want transferred as well as the respective account number handy when you fill out an application for a new balance transfer credit card.

    Should I use a balance transfer credit card to make purchases?

    By: John Kiernan, Personal Finance EditorThe answer to this question is simple: You can make purchases with a balance transfer credit card for as long as it has a 0% interest rate on purchases. If your card does not offer 0% on purchases or this introductory rate has ended, making purchases with it could end up being very expensive. You see, whenever you carry debt on a credit card, there is no grace period for new charges, which means finance charges start getting assessed as soon as you swipe your card. Obviously, a 0% purchase interest rate would protect you from this, but remember that any purchases made with your balance transfer card that are not paid off in full by the time the 0% intro rate ends will begin accruing interest at that time.

    Community Discussion

    Ask a question or help others find the best balance transfer credit cards by sharing some tips.

     
    Dec 31, 2015
    By:
    I chose the Chase Slate because I had let my card balance get too high and there was no way I was going to be able to pay just my balance. I decided to do some research and found that Chase Slate is the best for balance transfers. The percentage of the fee to transfer was way less than what I was going to have to pay in monthly late fees.
    Dec 31, 2015
    By:
    I chose Capital One QuickSilver One Rewards. The company themselves are extremely helpful and care about their customers. I first decided to go with them, because they helped my mom out a lot when she was behind on her bills. They were not threatening, instead they went and did everything they could to make the situation easier for her. Using the card is easy, the setup was very quick. I wish I would have gotten this card earlier, so I could saved even more money.
    Dec 31, 2015
    By:
    I think younger credit users need to see the advantages of moving their balances to other cards and not sticking to their set payment plan, slowly paying off their debts. A balance transfer usually comes with no cost, such as the Chase Slate card, and will give you 0% for upwards of 18mo to get your finances under control. 18mo doesn't sound like a lot of time, but that's a year and a half of not paying interest, but if you kept paying on that one card at 20%apr, you would be throwing money down the drain. Generally a bank will pretty much do the entire transfer for you, making it even easier for you. If you are stuck with high monthly payments, please consider transferring your balance to a card you do not wish to use to take advantage of the 0% introductory rates and fees.
    Dec 25, 2015
    By:
    Sometimes it is very difficult to pay the pending amount of a credit card on the due date and the non-payment of this due amount may hurt your credit score and result in higher interest which increases month by month. One of the best solutions to avoid these problems is to use the balance transfer feature. Using this feature we can save some extra money which can accrue a higher interest rate. There is no/less paperwork involved and if we already hold a credit card account - there is no need to furnish any documents at all. It is an easy and quick process helping in clearing the debt as early as possible. I like this feature a lot.
    Dec 25, 2015
    By:
    When I use balance transfer facility of my credit cards few times now i am bit worried to use because, when i used last time i used ICICI bank for the balance transfer. i had sufficient balances for the other purchases. but, found interest charges for the whole balance transfer amount citing that we should not use the card when the balance transfer facility was used in the card. Later i paid my balance and bit hesitant to use card now a days for balance transfer.
    Dec 25, 2015
    By:
    I am not here to ask a question but to praise my balance transfer card which is ,perhaps, beyond any other bundled package coming in this range of balance transfer products. As against an APR count of 12.99% to 22 and odd percent on regular usage you get a APR holiday for nine months with 0% APR. You get a bonus reward of $100 and you earn 1.5 % rewards. There is no annual fee and you can swing right into this offering with just a 'good' rating. I think this is the best way to juggle around your balances. This card is titled as Capital One® Quicksilver® Cash Rewards Credit Card. I loved it all the way and it has saved me loads of money by now.
    Dec 25, 2015
    By:
    I choose the Chase Freedom card to switch my balance to. I did so because of the 0% interest it offered. That was the main factor, but a few other factors that were important were their customer service and rewards program. The transfer was so and effortless. There was no hassle on my end. They make it very easy to do.
    Dec 25, 2015
    By:
    When I decided to go for a balance transfer card after some research decided to go for Citi Thank You card. I was using one card for the cash back rewards but a few months later I received a great interest rate for the Citi Thank You card. I decided to transfer my balance to this card and was relieved to see my credit amount coming down on my initial card. I am really thankful to the City Thank You Card.
    Dec 20, 2015
    By:
    We had large balances on several credit cards and the introductory 0% time period was running out, so we utilized the Chase Freedom card in order to give us some more time to try to get a handle on the debt, however, looking back, I deeply regret ever becoming involved with credit cards. We chose the Chase Freedom card because they had sent us an introductory offer in the mail and we thought, how can we go wrong with 0% interest? We ended up chasing these offers one after the other as our incomes declined and there was fewer ability to pay off the debt. There are really very, very few advantages to using these cards but the 0% balance transfers can be a very useful tool. Use it carefully, use the time to pay off as much as you can, because once that time is up, these credit companies will be more than happy to charge high interest and they are not your pal so get in, then get out as fast as you can.
    Dec 20, 2015
    By:
    Capital One® Quicksilver® Cash Rewards Credit Card was the first of two credit cards that I've had. I would have kept it if other interests were not in my way. As somebody stuck with a lot of debts, from student to cars, this was a great introduction car. The terms were very easy, and I could easily follow and know the limits as well as I could. I was able to quickly see my balances, and if I ever had a problem with transfers going through (which happened once or twice through 2 years of use) there was always an associate who was glad to help me.
    Dec 20, 2015
    By:
    I had a large balance of a thousand dollars on my capital one credit card. The apr was 15.99 which isn't very good. So I looked into transferring to another card. The card that I transferred to was a bank of america cash back card with a 0% interest rate for the first 12 months. It is a life saver, plus I earn money back on the everyday things that I spend money on.
    Dec 20, 2015
    By:
    5 years ago, I got my first US Bank credit card - which had a very low limit. But over the year, I kept paying on time and eventually received their platinum card which has a $5000 limit. I usually transfer my smaller balances from my other credit cards and pay off the US Bank balance on the following month. This way, I end getting an additional month to pay my credit cards balances without incurring interest. The banks probably do not like this, but I play the credit game and have almost perfect credit now.
    Dec 20, 2015
    By:
    I chose this card for balance transfer because of the low fees and great rate. Not having the balance incur interest for 15 month is a relief as the extra amount that would be used toward interest is going to the balance. I have a plan to get the balance paid within 15 months and this definitely helps!
    Dec 17, 2015
    By:
    Tired of my previous Discover card, it's high interest rate, and the fact that it wasn't accepted everywhere, I decided to apply for a Capital One Quicksilver card. After getting approved and transferring my balance, I was able to enjoy a lower interest rate, and a 0% transfer intro APR. Not did this result in a lower total payoff for the credit card debt, since the interest incurred was much lower, but it also helped to open the doors to other Capital One opportunities and cards that I will most likely take advantage of in the future.

    I would definitely recommend the Capital One Quicksilver card for any individual wanting to find a good balance transfer card without having to worry about extremely high fees.
    Dec 17, 2015
    By:
    I realized I needed a balance transfer and found a spot on deal with the Citi Thank You card. I was using one card for the cash back rewards but a few months later I received a great interest rate for the Citi Thank You card. I decided to give it a go and I'm very pleased with how that turned out. I'm getting my cash back rewards on the original card and got a great interest rate on the balance transfer with Citi. I'm grateful cards like this do exist for those of us who need them. The balance on my main card dwindled over the months and I was soon back in the black.
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