Do not pay any curiosity till 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 checklist, 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 all the things else. This card could make an excellent selection if you have already got a Chase card, too. You should utilize the rewards you earn to e-book journey by way of Chase Journey and even mix them with different Chase playing cards which will get added multipliers on journey redemptions (just like the Chase Sapphire Most well-liked® Card or Chase Sapphire Reserve®).

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

Given the Chase Freedom Limitless’s excessive ongoing APR although, it’s essential to be sure you don’t fall into outdated habits of racking up revolving balances. Considered one of this card’s greatest options is its first-year welcome supply, for instance. However in case you’re not capable of pay down your debt steadiness shortly sufficient to reap the benefits of it, otherwise you’re anxious it’ll encourage overspending that would lead you again into debt, chances are you’ll wish to think about one other card.

Learn our full Chase Freedom Limitless overview

Why we prefer it: The Blue Money On a regular basis from American Categorical is certainly one of our favourite cash-back bank cards at present. It will also be a useful device for paying down current 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 current 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 all the things else).

Plus, annual advantages can assist you save even in case you don’t wish to cost many new purchases to your card in the course of the promotional interval. You may get $7 in month-to-month assertion credit (as much as $84 yearly; with enrollment) if you spend at the very least $9.99 on an auto-renewing Disney Bundle subscription.

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

Why we prefer it: The Citi Double Money Card is our general decide for anybody seeking to pay down debt with a steadiness switch. With a protracted 0% APR on steadiness transfers for the primary 18 months (18.24%-28.24% variable APR after that), it’s a wonderful possibility for debt payoff. You’ll pay a 3% steadiness switch payment ($5 minimal) for every steadiness you switch throughout 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 current 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% if you make the acquisition and 1% if 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 full money rewards till you pay in full.

Not like different steadiness switch bank cards, the Citi Double Money Card doesn’t supply an introductory 0% APR on new purchases — the one element that saved it from an ideal rating in our methodology. Nevertheless, in case you’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 assume that holds this card again from being a best choice amongst steadiness switch gives at present.

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 among the lowest you’ll discover amongst steadiness switch bank cards at present.

After the intro interval ends, you may earn Citi ThankYou® Factors in your purchases: 5x factors on motels, rental automobiles, and points of interest booked by way of Citi Journey by way of the top 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 might 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 can assist 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 possibly higher-earning Citi Customized Money® Card for its barely decrease steadiness switch payment. If you switch a steadiness to the Citi Rewards+ throughout 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 gives 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 continued variable APR after the intro interval is eighteen.24%-27.24%, and there’s a typical steadiness switch payment that’s in step 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 if you activate and 1% on all the things else.

Like another playing cards on our checklist, one of many Uncover it Money Again card’s high options is its welcome supply: a Cashback Match on all of the rewards you earn in your first 12 months. After all, maximizing this supply depends upon incomes rewards in your purchases all year long. If you wish to reap the benefits of the bonus supply (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

If you happen to’re in search of 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 will be nice for folks solely targeted 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 at present.

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; whilst you ought to at all times make your bank card cost on time (particularly whereas carrying a steadiness), paying late or having a cost returned received’t routinely improve your BankAmericard APR.

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

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

Learn our full overview of the Wells Fargo Replicate Card

Why we prefer it: The U.S. Financial institution Visa Platinum Card additionally has certainly one of at present’s longest intro intervals, with an introductory 0% APR for 21 billing cycles. That intro supply 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 increased steadiness switch payment than different playing cards on our checklist: 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 supply, lasting a formidable 21 months. This size of time is among the longest out there, offering cardholders with a considerable interval to handle and repay transferred balances with out accruing curiosity.

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

The steadiness switch payment of $5 or 3%, whichever is bigger, is a typical price and must be thought of when evaluating the general good thing about 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 strategy 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% — increased than at another level for the reason that Federal Reserve started monitoring charges within the Nineties. For many who carry a steadiness on their card, the typical is greater than 23%.

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

Maximize your steadiness switch financial savings by paying your steadiness in full earlier than the intro interval ends. If you happen to can’t pay the steadiness throughout the 0% APR interval, you may nonetheless shave months and doubtlessly 1000’s of {dollars} out of your debt payoff.

Your complete financial savings will depend upon 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 may have a bank card steadiness of $5,500 at present — slightly below the typical steadiness for U.S. households with bank card debt, in keeping with 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 may appear to be over a couple of totally different eventualities:

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

• Fastened month-to-month cost: You possibly can decrease prices by paying greater than your month-to-month minimal, even in case you can’t pay your steadiness in full. Possibly you may afford to contribute a set cost 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 may 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: If you happen to can put at the very least $314 towards your bank card invoice every month, you might wipe out your steadiness in full by the top of the intro interval with out paying any extra curiosity. The one cost added to your principal is the three% payment if you switch, equal to $165. Complete paid: $5,665

• Fastened month-to-month cost: If the quantity it’s essential pay in full is out of your finances, you may nonetheless save with a steadiness switch supply. Possibly you may afford the identical $200 month-to-month cost 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 might cowl the rest in a single 12 months with solely $235 in added curiosity. Transferring your steadiness would help you pay your steadiness in full over 30 months and with about $400 in added curiosity and costs. Complete paid: $5,900

There are various components to contemplate for a steadiness switch bank card, most notably whether or not that is the appropriate device to assist along with your debt reimbursement journey. Ensure you’re contemplating steadiness switch bank cards that match your monetary targets. Listed here are a couple of particulars to search for:

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

• Common APR: APR stands for annual share price, the proportion you get charged by the credit score lender every cost interval you carry a steadiness. It will doubtless be totally different than your intro price. Bank cards usually have variable APRs, which implies your price goes up and down over time.

• Switch interval: On some playing cards, steadiness transfers are solely eligible for 0% APR gives if 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 attainable to reap the benefits of the total intro interval, you’ll additionally wish to hold any cut-off dates like this in thoughts, so that you don’t miss out on the supply.

• Issuer: You usually 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 gives from totally different bank card issuers than the cardboard on which you may have an current debt steadiness.

• Annual charges: Your issuing financial institution may cost an annual payment on your card, although annual charges aren’t widespread amongst high steadiness switch playing cards. If you happen to do select a card with an annual payment, it’s best to be sure you’re getting sufficient worth to offset the yearly price.

• Stability switch charges: If you wish to switch debt to an current steadiness from one bank card to a different, the brand new card issuer can cost you a payment. That is normally a share of your switch quantity starting from 3% to five% with at the very least a $5 minimal.

• Your credit score rating: Stability switch bank cards usually require a superb credit score rating. A credit score rating is a quantity that represents your credit score well being, and is predicated 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 experiences comprise 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 doubtless you’re to qualify for excellent mortgage phrases and rewarding bank cards sooner or later.

Learn extra: Easy methods to examine your credit score rating

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

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

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

Some steadiness switch bank cards waive this payment. In case you have a really excessive steadiness that would result in a expensive payment — otherwise you wish to keep away from any added price altogether — chances are you’ll wish to give attention to steadiness switch playing cards with no payment.

Stability transfers have professionals and cons. Whereas advantages embody the intro APR supply 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 immediately towards your principal steadiness. As an alternative of curiosity making it more difficult to repay your debt, you should use this device to remove the underlying steadiness.

• No annual payment: One of the best steadiness switch playing cards out there at present haven’t any annual payment, so that you don’t have to fret about any extra price of proudly owning the cardboard.

• Debt consolidation: 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 bear in mind. Simply be sure that the full transferred steadiness is lower than your card’s credit score restrict.

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

• Stability 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 fees.

• 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 current debt is greater than the restrict, you received’t be capable of switch the whole steadiness.

Benefit from your new card. Not solely is a steadiness switch bank card an effective way to pay down debt, however it will probably additionally set you up for a greater monetary future. Listed here are three issues it’s best to do if 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 attainable after approval. In case your new bank card gives an 18-month 0% APR intro interval however you wait two months to make your switch, paying down your debt in that shorter timeframe will probably be harder.

Some steadiness switch playing cards even require you to switch your steadiness inside a particular timeframe. For instance, your card settlement could specify that the 0% APR supply applies to transfers made throughout the first 30 days of account opening. Alternatively, you might 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 supply earlier than opening your account so you may keep away from any surprises which will set you again.

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

As an alternative, give attention to 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 have the funds for within the financial institution to cowl your spending.

This will additionally assist 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 might not be the most important concern when selecting your steadiness switch card, however they’re value contemplating.

Stability switch bank cards with the longest introductory 0% APR intervals (as much as 21 months) usually supply few ongoing advantages. They’re designed for cardholders seeking to repay as a lot debt as attainable over a extra prolonged interval.

However, bank cards with steadiness switch gives and ongoing rewards or different advantages are likely to have barely shorter intro intervals of round 12 to fifteen months. Even after you pay down your debt, these playing cards can supply 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 can assist in case you’re in debt or have high-interest debt. However it’s best to at all times think about all of the choices that would assist you pay down debt balances and know the potential dangers concerned. Take into consideration this stuff earlier than you make your determination:

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 supply at present, choosing a private mortgage with a set APR decrease than your present bank card might be a superb resolution.

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

For one, if you open any new bank card (together with a steadiness switch card), the required laborious inquiry in your credit score may result in a small, momentary credit score rating drop. To maintain a number of purposes 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 influence includes your credit score restrict. If you happen to switch a debt steadiness that makes up practically your complete credit score line, you might improve your credit score utilization ratio — the quantity of credit score you’re utilizing in comparison with the quantity you may have out there. This is among the most influential components in your credit score rating; the decrease it’s, the higher. Nevertheless, in case you can sustain along with your funds and start to shortly deliver down your steadiness over the intro interval, you may mitigate the damaging impact and steadiness the ratio.

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

plan is crucial 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 remove your steadiness in full earlier than the 0% APR interval ends. If vital, have a look at your finances and spending earlier than you apply to search out areas the place you may scale 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 overlook to rethink your spending over the long run to make sure you don’t wind up with one other debt steadiness sooner or later. Practising good credit score habits and spending solely what you may afford is one of the simplest ways to reap the benefits of the rewards and advantages of bank cards with out paying the value tag of excessive rates of interest.

Stability switch playing cards could be a savvy monetary transfer in case you’re seeking to sort out high-interest debt. By transferring your current 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 customary APR on the rest. You need to be assured you may make a major distinction in your steadiness earlier than this ongoing curiosity kicks in to make the steadiness switch value it. It is also essential to notice that the majority steadiness switch bank cards include a switch payment — normally 3%-5% of the quantity transferred — which provides to your prices.

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

First, discover a steadiness switch card that gives a protracted 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 fees. Additionally take note of the steadiness switch payment; most steadiness switch playing cards could have at the very least a 3% payment that you ought 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 cost every month. To actually reap the benefits of the 0% APR, calculate how a lot it’s essential to pay month-to-month to clear the debt earlier than the introductory interval ends. If you happen to simply keep on with the minimal, you doubtless received’t scale back the steadiness by a lot.

By no means make a late cost in your steadiness switch card. One missed cost may imply shedding your 0% APR and being hit with a a lot increased 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 whilst you pay down the steadiness. Hold your spending in examine and focus solely on paying off the debt you transferred.

Lastly, don’t get caught off guard when the 0% APR interval expires. If you happen to assume 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 quickly 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 purposes, not simply steadiness switch playing cards.

A steadiness switch may 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 out there credit score, is a significant component in calculating your credit score rating. your credit score rating. It’s greatest to maintain this ratio underneath 30%.

The excellent news is that in case you 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 probabilities of getting one of the best out there steadiness switch gives with lengthy 0% APR intervals and different advantages.

Basically, you’re most probably to qualify for a steadiness switch card with a good-to-excellent credit score rating. Based on FICO, which means a rating of at the very least 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 increased), you may normally 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 checklist of one of the best steadiness switch bank cards, we prioritized a holistic have a look at what these playing cards supply cardholders, even after the intro interval ends.

Initially, although, we analyzed the small print of every card’s steadiness switch supply. 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 which will apply all through the intro interval and past: the continuing variable APR, any rewards on spending, annual payment price, 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 technique, we evaluated greater than two dozen bank cards from main issuers with steadiness switch gives out there at present. The playing cards we checked out are broadly out there for American customers (with the credit score to qualify), regardless of the place you’re situated or what establishment you financial institution with.

After all, not everybody in search of a steadiness switch bank card is focused on long-term rewards and advantages. For some, discovering the longest intro interval out there to start paying down debt is extra essential than any ongoing card options. Whereas the playing cards with at present’s longest intro intervals (usually 18 to 21 months) usually scored decrease in our general rating system due to their lack of ongoing worth, we did wish to embody them on our checklist.

Within the “extra playing cards to contemplate” 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 checklist.to deliver down your steadiness over the intro interval shortly

This text was edited by Rebecca McCracken

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