0aprInterest rates are rising, which applies to credit card APRs as well. Why worry about which card earns the most points or airline miles when you are paying a whopping 20%+ interest in your balances?! One powerful strategy to get out of debt is to first transfer your balance to another issuer via a 0% APR balance transfer offer. Below are the best 0% APR balance transfer offers as of January 2019.

You’ll want the best combination of the longest 0% APR period and the lowest balance transfer fees. For example, if you are paying 20% APR, that’s like paying 1.66% on your balance every month. If you would like to spread out your payments, it may be better to pick a longer term with a modest balance transfer fee. Alternatively, if you are sure you can get it all paid off faster, go for a shorter offer with no balance transfer fee.

Best 0% APR Balance Transfer Credit Cards – January 2019 (Up to 15 Months w/ No Balance Transfer Fee)1) Amex EveryDay Card from American Express0% intro APR on both purchases and balance transfers for 15 months. After that, the variable APR will be 15.24% – 26.24%, based on your creditworthiness. No balance transfer fee for the first 60 days of opening the account. Plus, earn 15,000 Membership Rewards points after you use your new Card to make $1,000 in purchases in your first 3 months. No annual fee.

Best 0% APR Balance Transfer Credit Cards – January 2019 (Up to 15 Months w/ No Balance Transfer Fee) 2) BankAmericard Credit Card0% Introductory APR on both balance transfers and purchases for 15 billing cycles. After that, the variable APR will be 15.24% – 26.24%, based on your creditworthiness. No balance transfer fee for the first 60 days your account is open. After that, the fee for future balance transfers is 3% (min. $10). No penalty rate. No annual fee.

Slate from Chase Card Art3) Chase Slate Card0% Introductory APR on both balance transfers and purchases for 15 months. After that, the variable APR will be 16.99% – 25.74%, based on your creditworthiness. No balance transfer fee for the first 60 days of opening the account. After that, the fee for future balance transfers is 5% ($5 min). No annual fee.

Best 0% APR Balance Transfer Credit Cards – January 2019 (Up to 15 Months w/ No Balance Transfer Fee)4) First Tech Fed Choice Rewards Card – 0% Introductory APR on balance transfers for 12 months. Balances must be transferred during the first 90 days after account opening. After that, the variable APR will be 11.99% – 18.00%, based on your creditworthiness. No balance transfer fee. There is also a sign-up bonus, but note that there is not an intro 0% APR offer on purchases. You must be an First Tech Federal Credit Union member to obtain this card, but membership is open to everyone who joins a partner organization for a small fee. No annual fee.

CitiSimplicityCard (1) 5) Citi Simplicity® Card – 0% Introductory APR on balance transfers for 21 months. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% – 26.24%, based on your creditworthiness. Balance transfer fee is either $5 or 5% of the amount of each transfer, whichever is greater. This card has no late payment fees and no penalty rate.  No annual fee.

“Disclaimer: This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program.”

“The editorial content here is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.”

Best 0% APR Balance Transfer Credit Cards – January 2019 (Up to 15 Months w/ No Balance Transfer Fee) from My Money Blog.


Copyright © 2018 MyMoneyBlog.com. All Rights Reserved. Do not re-syndicate without permission.

©

Related Posts

Top 7 Most Popular Japanese Movies with English Subtitles
Top 7 Most Popular Japanese Movies with...
The popular site https://asian-movies-online.com/country/japan has several Japanese movies with English...
Read more
An underwater photo of kelp.
Sunlight Illuminates Undulating Kelp Forests in Underwater...
All images © Doug Klug, shared with permission If you’ve walked...
Read more
Offiscape hosts Brisbane Designscape
Discover what the future holds for commercial...
While necessary, the stop-start nature of the last two years...
Read more
Best 0% APR Balance Transfer Credit Cards – January 2019 (Up to 15 Months w/ No Balance Transfer Fee)
Fringed Orange Apparel Knit Entirely From Rubber...
All images © Rie Sakamoto At first, the garments look as...
Read more
Mia Goth blowing a kiss as Maxine Minx in
How to watch 'MaXXXine' at home: Is...
...
Read more
Computer open to Koofr.
Store your data for life with 1TB...
TL;DR: Through April 16, a lifetime subscription to 1TB of...
Read more