Don’t pay any interest until 2026

Why we prefer it: The Chase Freedom Limitless is one other cash-back bank card with a aggressive introductory 0% APR interval on each steadiness transfers and new purchases. You’ll have 15 months earlier than curiosity kicks in, with an ongoing variable APR of 20.49%–29.24% when the intro interval ends. There’s a 3% payment ($5 minimal) for balances you switch inside 60 days of account opening; after that, the payment goes as much as 5% ($5 minimal).

Like the opposite cash-back playing cards on this record, you may nonetheless get loads of worth from the Chase Freedom Limitless after the introductory interval ends. You’ll earn 5% money again on Chase Journey℠ purchases, 3% again on eating and at drugstores, and 1.5% again on every little thing else. This card could make an incredible selection if you have already got a Chase card, too. You need to use the rewards you earn to e book journey via Chase Journey and even mix them with different Chase playing cards that will get added multipliers on journey redemptions (just like the Chase Sapphire Most popular® Card or Chase Sapphire Reserve®).

Be taught extra: See our picks for one of the best Chase bank card

Given the Chase Freedom Limitless’s excessive ongoing APR although, it’s necessary to be sure you don’t fall into outdated habits of racking up revolving balances. One among this card’s finest options is its first-year welcome provide, for instance. However if you happen to’re not in a position to pay down your debt steadiness shortly sufficient to reap the benefits of it, otherwise you’re frightened it’ll encourage overspending that would lead you again into debt, you could need to contemplate one other card.

Learn our full Chase Freedom Limitless overview

Why we prefer it: The Blue Money On a regular basis from American Specific is one in every of our favourite cash-back bank cards in the present day. It will also be a useful software for paying down present bank card debt. The cardboard’s introductory 0% APR on steadiness transfers lasts for 15 months after account opening, with a variable APR of 20.24% to 29.24% thereafter (see charges & charges). The steadiness switch payment is 3% ($5 minimal) of the quantity you switch.

However the Blue Money On a regular basis shines for its long-term financial savings when you’ve paid off your present debt. You’ll earn 3% money again at U.S. supermarkets, U.S. fuel stations, and on U.S. on-line retail purchases, every as much as $6,000 spent per 12 months, then 1% again (and 1% money again on every little thing else).

Plus, annual advantages may help you save even if you happen to don’t need to cost many new purchases to your card through the promotional interval. You will get $7 in month-to-month assertion credit (as much as $84 yearly; with enrollment) once you spend not less than $9.99 on an auto-renewing Disney Bundle subscription.

Learn our full overview of the Blue Money On a regular basis Card from American Specific

Why we prefer it: The Citi Double Money Card is our general decide for anybody trying to pay down debt with a steadiness switch. With an extended 0% APR on steadiness transfers for the primary 18 months (18.24%-28.24% variable APR after that), it’s a superb possibility for debt payoff. You’ll pay a 3% steadiness switch payment ($5 minimal) for every steadiness you switch inside the first 4 months of account opening, which will increase to five% ($5 minimal) after 4 months. All through the prolonged intro interval, you may make main progress on present balances and even decide to paying the quantity you switch in full.

There’s loads to love about this card after you pay down your steadiness, too. You’ll earn as much as 2% on each buy you make with the Citi Double Money: 1% once you make the acquisition and 1% once you pay it off. That rewards construction could even add some incentive to keep away from carrying a steadiness when you’ve paid down your debt, because you received’t earn the overall money rewards till you pay in full.

Not like different steadiness switch bank cards, the Citi Double Money Card doesn’t provide an introductory 0% APR on new purchases — the one element that saved it from an ideal rating in our methodology. Nevertheless, if you happen to’re planning to make use of this card primarily to pay down debt (after which for its cash-back advantages after the intro interval), we don’t suppose that holds this card again from being a best choice amongst steadiness switch affords in the present day.

Learn our full Citi Double Money Card overview

Why we prefer it: The Citi Rewards+ Card is one other rewards bank card with a stable 15-month introductory 0% APR interval, which applies to each new purchases and steadiness transfers. After the intro interval ends, you’ll pay a 17.74%-27.74% variable APR. That’s nonetheless very excessive for any steadiness you carry, however it is likely one of the lowest you’ll discover amongst steadiness switch bank cards in the present day.

After the intro interval ends, you may earn Citi ThankYou® Factors in your purchases: 5x factors on lodges, rental automobiles, and points of interest booked via Citi Journey via the tip of 2025; 2x factors at supermarkets and fuel stations (as much as the primary $6,000 spent per 12 months, then 1x); and 1x on all different purchases. For every buy you make, your rewards are rounded as much as the closest 10 — so you can get 30 factors from a $24 buy — and for every redemption you make, you’ll get 10% factors again (as much as the primary 100,000 factors you redeem per 12 months). Every of those may help you maximize factors to make use of on journey, assertion credit, present playing cards, and extra.

The Citi Rewards+ Card isn’t the one rewards card from Citi with a aggressive intro interval and a decrease ongoing APR, however it took the sting over the doubtless higher-earning Citi Customized Money® Card for its barely decrease steadiness switch payment. If you switch a steadiness to the Citi Rewards+ inside the first 4 months of account opening, you’ll pay a 3% payment ($5 minimal). After that, the payment goes as much as 5% of your switch ($5 minimal), which is identical because the Citi Customized Money Card’s payment.

Learn our full overview of the Citi Rewards+ Credit score Card

Why we prefer it: Uncover it Money Again equally affords nice ongoing rewards alongside a helpful 0% APR. It has an introductory 0% APR interval for 15 months after account opening for brand spanking new purchases and steadiness transfers (so long as you make your switch inside a given time interval). The continuing variable APR after the intro interval is eighteen.24%-27.24%, and there’s a regular steadiness switch payment that’s consistent with different steadiness switch bank cards.

The Uncover it Money Again additionally has nice long-term worth with revolving 5% money again Uncover rewards classes. You’ll earn 5% again on the primary $1,500 spent throughout the revolving classes — which can embody grocery shops, eating places, fuel stations, streaming companies, and extra — every quarter once you activate and 1% on every little thing else.

Like another playing cards on our record, one of many Uncover it Money Again card’s high options is its welcome provide: a Cashback Match on all of the rewards you earn in your first 12 months. In fact, maximizing this provide will depend on incomes rewards in your purchases all year long. If you wish to reap the benefits of the bonus provide (and the cardboard’s revolving bonus rewards classes), be sure you can steadiness your spending along with your debt payoff plan so that you don’t find yourself again the place you began when the steadiness switch intro interval ends.

Learn our full Uncover it Money Again overview

In the event you’re on the lookout for absolutely the longest 0% APR promotional interval on steadiness transfers, listed below are a couple of extra of our top-rated playing cards with lengthy intro intervals.

Why we prefer it: BankAmericard has a stable mixture of lengthy introductory 0% APR and comparatively low ongoing APR, which might be nice for folks solely centered on debt payoff. The introductory interval for steadiness transfers is eighteen billing cycles and applies to balances you switch inside 60 days of account opening. The identical 0% APR intro interval applies for brand spanking new purchases. After that, you’ll pay a variable 15.24%-25.24% APR on any remaining steadiness. Whereas that may simply add up over time, it’s considerably lower than you’ll discover from many bank cards in the present day.

There’s an introductory steadiness switch payment of three% for the primary 60 days, then it goes as much as 4%. There’s additionally no penalty APR; when you ought to at all times make your bank card fee on time (particularly whereas carrying a steadiness), paying late or having a fee returned received’t routinely improve your BankAmericard APR.

Why we prefer it: The Wells Fargo Mirror® Card is a superb selection for steadiness transfers primarily due to its terribly lengthy 0% APR provide of 21 months. This function permits cardholders to switch present balances and luxuriate in a chronic interval with out incurring curiosity, offering ample time for debt administration and discount.

The 5% steadiness switch payment must be thought-about, however for a lot of, the advantage of the prolonged interest-free interval outweighs this value. This card is especially advantageous for individuals who anticipate needing extra time to repay their balances and need to keep away from the speedy accumulation of curiosity expenses.

Learn our full overview of the Wells Fargo Mirror Card

Why we prefer it: The U.S. Financial institution Visa Platinum Card additionally has one in every of in the present day’s longest intro intervals, with an introductory 0% APR for 21 billing cycles. That intro provide applies to new purchases and to steadiness transfers made inside 60 days of account opening. After that, your remaining balances will earn a variable 17.74%-28.74% APR.

In change for the lengthy intro interval, you’ll once more earn no rewards and pay a barely larger steadiness switch payment than different playing cards on our record: 5% of your transferred steadiness or $5, whichever is bigger.

Why we prefer it: The first enchantment of the Citi Simplicity Card for steadiness transfers lies in its prolonged 0% APR provide, lasting a formidable 21 months. This size of time is likely one of the longest accessible, offering cardholders with a considerable interval to handle and repay transferred balances with out accruing curiosity.

The 0% APR provide for 12 months on purchases additionally provides flexibility, permitting cardholders to make new purchases with out quick curiosity issues. Whereas the cardboard doesn’t provide cash-back rewards or a welcome bonus, its energy is its simplicity and the potential for important curiosity financial savings.

The steadiness switch payment of $5 or 3%, whichever is bigger, is a regular charge and needs to be thought-about when evaluating the general advantage of transferring balances to this card. The Citi Simplicity Card is especially well-suited for these prioritizing a prolonged interest-free interval for his or her steadiness switch wants, providing an easy and cost-effective method to managing debt.

Not solely is bank card curiosity costly, however it’s as excessive because it’s ever been. Immediately’s common bank card rate of interest is over 21% — larger than at another level because the Federal Reserve started monitoring charges within the Nineties. For many who carry a steadiness on their card, the common is greater than 23%.

Bank cards with 0% APR on steadiness transfers can provide important financial savings in comparison with commonplace double-digit rates of interest.

Maximize your steadiness switch financial savings by paying your steadiness in full earlier than the intro interval ends. In the event you can’t pay the steadiness inside the 0% APR interval, you may nonetheless shave months and doubtlessly hundreds of {dollars} out of your debt payoff.

Your complete financial savings will rely on a couple of particulars, together with the size of your intro interval and the way a lot you may pay every month.

Let’s say you’ve got a bank card steadiness of $5,500 in the present day — just under the common steadiness for U.S. households with bank card debt, based on the Federal Reserve Financial institution of St. Louis. That steadiness is all on a bank card incomes 21% APR. Right here’s what your journey to pay down debt might appear to be over a couple of totally different situations:

• Minimal funds: That is by far the costliest possibility. Making solely minimal funds, you’ll add almost $9,000 in curiosity over greater than 20 years earlier than paying your steadiness off in full. Complete paid: $14,499

• Mounted month-to-month fee: You possibly can decrease prices by paying greater than your month-to-month minimal, even if you happen to can not pay your steadiness in full. Perhaps you may afford to contribute a set fee of $200 every month towards your debt. On this case, you’ll pay your steadiness in full after three years, however nonetheless add greater than $2,000 to your complete steadiness. Complete paid: $7,566

Now, let’s see how a steadiness switch bank card might make a distinction in your $5,500 debt. This card comes with an 18-month 0% introductory APR and a 3% steadiness switch payment (extra on that under). After the intro interval, you’ll tackle the identical 21% APR.

• Pay in full: In the event you can put not less than $314 towards your bank card invoice every month, you can wipe out your steadiness in full by the tip of the intro interval with out paying any further curiosity. The one fee added to your principal is the three% payment once you switch, equal to $165. Complete paid: $5,665

• Mounted month-to-month fee: If the quantity it’s essential pay in full is out of your finances, you may nonetheless save with a steadiness switch provide. Perhaps you may afford the identical $200 month-to-month fee as earlier than the switch. Over the introductory interval, you’ll pay down $3,600 of your principal steadiness, reducing your debt to $2,065. As soon as the APR begins to accrue, you can cowl the rest in a single 12 months with solely $235 in added curiosity. Transferring your steadiness would will let you pay your steadiness in full over 30 months and with about $400 in added curiosity and charges. Complete paid: $5,900

There are numerous components to think about for a steadiness switch bank card, most notably whether or not that is the best software to assist along with your debt compensation journey. Ensure you’re contemplating steadiness switch bank cards that match your monetary objectives. Listed here are a couple of particulars to search for:

• Introductory APR: Bank cards provide introductory APRs for brand spanking new cardholders, both on new purchases or steadiness transfers (or each). The introductory charge for a lot of steadiness switch playing cards is 0% over a given intro interval, which may help you pay down your present steadiness with out curiosity.

• Common APR: APR stands for annual share charge, the proportion you get charged by the credit score lender every fee interval you carry a steadiness. This can probably be totally different than your intro charge. Bank cards sometimes have variable APRs, which implies your charge goes up and down over time.

• Switch interval: On some playing cards, steadiness transfers are solely eligible for 0% APR affords once you switch your steadiness inside a given timeframe: inside 60 days of account opening or 120 days of account opening, for instance. Whereas it is smart to switch your debt as quickly as potential to reap the benefits of the total intro interval, you’ll additionally need to hold any deadlines like this in thoughts, so that you don’t miss out on the provide.

• Issuer: You typically received’t be capable of switch a steadiness from one card account to a different card account with the identical financial institution. Search for steadiness switch affords from totally different bank card issuers than the cardboard on which you’ve got an present debt steadiness.

• Annual charges: Your issuing financial institution may cost an annual payment to your card, although annual charges aren’t frequent amongst high steadiness switch playing cards. In the event you do select a card with an annual payment, you must be sure you’re getting sufficient worth to offset the yearly value.

• Steadiness switch charges: If you wish to switch debt to an present steadiness from one bank card to a different, the brand new card issuer can cost you a payment. That is often a share of your switch quantity starting from 3% to five% with not less than a $5 minimal.

• Your credit score rating: Steadiness switch bank cards typically require an excellent credit score rating. A credit score rating is a quantity that represents your credit score well being, and relies on the data in your credit score report. You possibly can request a free credit score report from every of the three main credit score bureaus (Equifax, Experian, and TransUnion) These reviews include your credit score historical past, like what number of bank card accounts you have had. Credit score scores vary from 300-850. Above round 700 is taken into account good, and above 800 is taken into account wonderful — the upper your rating, the extra probably you’re to qualify for excellent mortgage phrases and rewarding bank cards sooner or later.

Learn extra: Tips on how to verify your credit score rating

A steadiness switch bank card can prevent cash, however you must nonetheless put together for the potential prices you’ll incur.

Steadiness switch playing cards don’t sometimes carry an annual payment. Nevertheless, there’s usually a payment for transferring your steadiness. Steadiness switch charges can vary from 3%-5% of your general steadiness, often with a minimal of round $5 or $10.

Say you need to switch a $3,000 steadiness to a card with a 0% intro APR and a 3% steadiness switch payment. The steadiness switch would value you $90 in complete. The bigger your steadiness, the extra you’ll pay for the steadiness switch. Nonetheless, these charges are probably solely a small fraction of the curiosity you’ll in any other case pay.

Some steadiness switch bank cards waive this payment. If in case you have a really excessive steadiness that would result in a pricey payment — otherwise you need to keep away from any added value altogether — you could need to concentrate on steadiness switch playing cards with no payment.

Steadiness transfers have professionals and cons. Whereas advantages embody the intro APR provide for debt payoff, cons embody steadiness switch charges and doubtlessly few.

• 0% introductory APR: With no-interest steadiness switch bank cards, any funds you make all through the intro interval will go instantly towards your principal steadiness. As an alternative of curiosity making it more difficult to repay your debt, you need to use this software to eradicate the underlying steadiness.

• No annual payment: The perfect steadiness switch playing cards accessible in the present day don’t have any annual payment, so that you don’t have to fret about any further value of proudly owning the cardboard.

• Debt consolidation: If in case you have balances unfold throughout a number of bank cards, you could possibly consolidate them onto a single steadiness switch card. Not solely are you able to profit from the interval of interest-free funds, however you’ll additionally decrease the variety of particular person month-to-month funds it’s essential keep in mind. Simply be sure that the overall transferred steadiness is lower than your card’s credit score restrict.

• Threat of not paying your steadiness off in full: It’s possible you’ll not be capable of maximize your steadiness switch if you happen to can not prioritize your month-to-month funds over the intro interval. These playing cards work finest if you happen to can decide to paying down a good portion of your steadiness over the 0% APR provide. In any other case, you’ll be left with a rising steadiness as soon as once more when your common rate of interest begins.

• Steadiness switch charges: The charges issuers cost to make your switch can add to your general steadiness. However for many cardholders, a 3% or 5% payment will nonetheless be far lower than the quantity you’ll in any other case accrue in curiosity expenses.

• Credit score limits: Ensure you know the credit score restrict of your steadiness switch bank card earlier than you try and make your switch. In case your present debt is greater than the restrict, you received’t be capable of switch your complete steadiness.

Make the most of your new card. Not solely is a steadiness switch bank card an effective way to pay down debt, however it could possibly additionally set you up for a greater monetary future. Listed here are three issues you must do once you open up a brand new card:

The introductory interval in your steadiness switch card solely lasts so lengthy. Take full benefit by transferring your steadiness as quickly as potential after approval. In case your new bank card affords an 18-month 0% APR intro interval however you wait two months to make your switch, paying down your debt in that shorter timeframe shall be tougher.

Some steadiness switch playing cards even require you to switch your steadiness inside a selected timeframe. For instance, your card settlement could specify that the 0% APR provide applies to transfers made inside the first 30 days of account opening. Alternatively, you can tackle a extra important steadiness switch payment the longer you wait. For instance, there could solely be a 3% payment for balances transferred inside 60 days of account opening, however a 5% payment for balances transferred after that point.

All the time learn the high quality print of an introductory steadiness switch provide earlier than opening your account so you may keep away from any surprises that will set you again.

All through the intro interval, prioritize paying down your debt with out making new purchases that improve your steadiness. In the event you’re including to your steadiness all through the 0% APR interval, you’ll solely depart your self with extra to repay.

As an alternative, concentrate on shopping for solely what you may afford to pay in full. Whether or not you make purchases with one other bank card, use your debit card, or pay with money, make sure you come up with the money for within the financial institution to cowl your spending.

This may occasionally additionally aid you develop into extra conscious of any spending habits that led to taking up the debt within the first place, so you may keep away from ending up in the identical place once more.

If debt payoff is your precedence, long-term rewards or advantages is probably not the most important concern when selecting your steadiness switch card, however they’re price contemplating.

Steadiness switch bank cards with the longest introductory 0% APR intervals (as much as 21 months) sometimes provide few ongoing advantages. They’re designed for cardholders trying to repay as a lot debt as potential over a extra prolonged interval.

However, bank cards with steadiness switch affords and ongoing rewards or different advantages are inclined to have barely shorter intro intervals of round 12 to fifteen months. Even after you pay down your debt, these playing cards can provide long-term worth in your on a regular basis purchases. Simply be sure you plan to keep away from overspending and taking up debt once more.

Associated: What occurs to your outdated bank card after a steadiness switch?

Solely you may resolve if opening a brand new account is best for you. A steadiness switch bank card may help if you happen to’re in debt or have high-interest debt. However you must at all times contemplate all of the choices that would aid you pay down debt balances and know the potential dangers concerned. Take into consideration this stuff earlier than you make your resolution:

A steadiness switch isn’t your solely possibility for debt payoff. Consolidating debt with a private mortgage could also be a greater possibility for some folks.

In case your debt far exceeds the credit score restrict on a brand new steadiness switch card otherwise you want extra time than 0% APR intro intervals provide in the present day, choosing a private mortgage with a set APR decrease than your present bank card may very well be an excellent resolution.

Not solely do you want good credit score to qualify for a steadiness switch card, however a steadiness switch itself can even doubtlessly have an effect on your credit score.

For one, once you open any new bank card (together with a steadiness switch card), the required onerous inquiry in your credit score might result in a small, momentary credit score rating drop. To maintain a number of functions from sinking your rating, solely apply for playing cards you’re assured you’ll qualify for or get prequalified earlier than making use of.

One other potential credit score affect includes your credit score restrict. In the event you switch a debt steadiness that makes up almost your whole credit score line, you can improve your credit score utilization ratio — the quantity of credit score you’re utilizing in comparison with the quantity you’ve got accessible. This is likely one of the most influential components in your credit score rating; the decrease it’s, the higher. Nevertheless, if you happen to can sustain along with your funds and start to shortly carry down your steadiness over the intro interval, you may mitigate the unfavorable impact and steadiness the ratio.

Associated: What to do in case your bank card utility is denied

A superb plan is an important factor you may have earlier than opening a steadiness switch bank card.

Utilizing your card particulars (size of intro interval, steadiness switch payment, and so forth.), decide exactly how a lot it’s essential pay every month to eradicate your steadiness in full earlier than the 0% APR interval ends. If crucial, take a look at your finances and spending earlier than you apply to search out areas the place you may cut back spending to dedicate extra towards your month-to-month funds.

If you cannot repay your steadiness fully, take into consideration what subsequent steps you’ll take as soon as curiosity kicks in to maintain the rest from rising out of your management.

And don’t neglect to rethink your spending over the long run to make sure you don’t wind up with one other debt steadiness sooner or later. Working towards good credit score habits and spending solely what you may afford is one of the best ways to reap the benefits of the rewards and advantages of bank cards with out paying the worth tag of excessive rates of interest.

Steadiness switch playing cards is usually a savvy monetary transfer if you happen to’re trying to deal with high-interest debt. By transferring your present debt to a card with a 0% introductory APR, you cease accruing curiosity and solely make funds towards the principal steadiness.

Nevertheless, if you cannot clear the steadiness earlier than the introductory interval ends, you may face the cardboard’s commonplace APR on the rest. You have to be assured you may make a big distinction in your steadiness earlier than this ongoing curiosity kicks in to make the steadiness switch price it. It is also necessary to notice that almost all steadiness switch bank cards include a switch payment — often 3%-5% of the quantity transferred — which provides to your prices.

Navigating a steadiness switch might be difficult; you want a stable technique to maximise it.

First, discover a steadiness switch card that provides an extended 0% introductory APR interval — ideally, 15 to 21 months. The longer this no-interest interval lasts, the extra time you must pay down your steadiness with out worrying about curiosity expenses. Additionally take note of the steadiness switch payment; most steadiness switch playing cards may have not less than a 3% payment that you need to be ready so as to add to your complete quantity due.

When you’ve opened your new card, switch the balances out of your highest-interest bank cards first to maximise financial savings over the 0% APR interval. Double-check your steadiness switch restrict earlier than you begin so that you don’t try and switch greater than the cardboard permits.

Prioritize paying greater than the minimal fee every month. To actually reap the benefits of the 0% APR, calculate how a lot you should pay month-to-month to clear the debt earlier than the introductory interval ends. In the event you simply stick with the minimal, you probably received’t cut back the steadiness by a lot.

By no means make a late fee in your steadiness switch card. One missed fee might imply dropping your 0% APR and being hit with a a lot larger penalty APR, together with late charges. Arrange autopay or reminders to make sure you by no means miss a due date.

Keep away from utilizing your new card for brand spanking new purchases when you pay down the steadiness. Maintain your spending in verify and focus solely on paying off the debt you transferred.

Lastly, don’t get caught off guard when the 0% APR interval expires. In the event you suppose you received’t be capable of repay the total steadiness by then, begin planning forward for the way you’ll proceed paying down your debt.

A steadiness switch can briefly decrease your credit score rating as a result of it triggers a tough inquiry by the cardboard issuer in your credit score report. That is true for all new credit score functions, not simply steadiness switch playing cards.

A steadiness switch can even have an effect on your credit score utilization ratio, doubtlessly reducing your rating if the steadiness transferred to your new card represents a big share of its restrict. Credit score utilization, which measures how a lot credit score you’re utilizing in comparison with your complete accessible credit score, is a significant factor in calculating your credit score rating. your credit score rating. It’s finest to maintain this ratio beneath 30%.

The excellent news is that if you happen to use a steadiness switch card properly — by paying down your steadiness and avoiding extra debt — your credit score rating ought to enhance over time.

Like most bank cards, the upper your rating is, the higher your possibilities of getting one of the best accessible steadiness switch affords with lengthy 0% APR intervals and different advantages.

Typically, you’re almost definitely to qualify for a steadiness switch card with a good-to-excellent credit score rating. In line with FICO, which means a rating of not less than 670 and as much as the utmost 850 credit score rating. With a stable credit score rating (particularly one nearer to the “wonderful” finish of the vary round 750 or larger), you may often rating one of the best steadiness switch phrases, a comparatively decrease rate of interest after the intro interval, and extra perks like cash-back rewards and a sign-up bonus.

To create our record of one of the best steadiness switch bank cards, we prioritized a holistic take a look at what these playing cards provide cardholders, even after the intro interval ends.

In the beginning, although, we analyzed the main points of every card’s steadiness switch provide. This consists of the size of the intro interval for steadiness transfers, the steadiness switch payment, and whether or not it additionally has an intro interval for brand spanking new purchases. We additionally rated every card on different options that will apply all through the intro interval and past: the continued variable APR, any rewards on spending, annual payment value, and credit score rating entry.

Lastly, we reviewed customer support, safety, and accessibility options that apply to any of our card rankings. These embody cellular app opinions, fraud monitoring, variety of methods to contact the issuer, and extra.

Utilizing this method, we evaluated greater than two dozen bank cards from main issuers with steadiness switch affords accessible in the present day. The playing cards we checked out are broadly accessible for American shoppers (with the credit score to qualify), irrespective of the place you’re positioned or what establishment you financial institution with.

In fact, not everybody on the lookout for a steadiness switch bank card is all for long-term rewards and advantages. For some, discovering the longest intro interval accessible to start paying down debt is extra necessary than any ongoing card options. Whereas the playing cards with in the present day’s longest intro intervals (sometimes 18 to 21 months) typically scored decrease in our general rating system due to their lack of ongoing worth, we did need to embody them on our record.

Within the “extra playing cards to think about” part, we embody these playing cards, which provide the longest introductory intervals and next-best general scores after these playing cards that made the first record.to carry down your steadiness over the intro interval shortly

This text was edited by Rebecca McCracken

Editorial Disclosure: The data on this article has not been reviewed or permitted by any advertiser. All opinions belong solely to Yahoo Finance and aren’t these of another entity. The main points on monetary merchandise, together with card charges and charges, are correct as of the publish date. All services or products are introduced with out guarantee. Test the financial institution’s web site for essentially the most present data. This website would not embody all at the moment accessible affords. Credit score rating alone doesn’t assure or indicate approval for any monetary product.