Which Balance Transfer Credit Card Is The Best For You?

By Christina Majaski. Last updated 22 July 2020. 0 comments

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Which balance transfer credit card should you apply for? That depends on your goal. If you need as long as possible to pay off your outstanding balances, then you'll want a card with the longest 0% APR financing available. Depending on your balance though, you might want to look for a card with no balance transfer fee. Perhaps you’re just looking for a card with a lower APR, or if you are close to paying off your debt, you might be able to take advantage of a large sign up bonus of a generous rewards credit card.

Best for Balance Transfers

To narrow down your choice of balance transfer cards available, consider these cards that meet your particular goal.

U.S. Bank Visa® Platinum Card

The U.S. Bank Visa® Platinum Card offers a 0% introductory APR on purchases and balances transferred within 60 days from account opening, for the first 20 billing cycles. After that, the variable APR is 13.99% – 23.99% based on your creditworthiness. There is a balance transfer fee of 3% or $5, whichever is greater. There is no annual fee.

Info about the U.S. Bank Visa® Platinum Card has been collected independently by Wise Bread. The issuers did not provide the details, nor are they responsible for its accuracy.

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