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Best 0% Balance Transfer Credit Cards in 2022
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It’s vital to note that you are not truly paying off debt with a balance transfer, you are just moving it to another card. There are various advantages to shifting high-interest balances.
It’s vital to note that you are not truly paying off debt with a balance transfer, you are just moving it to another card. There are various advantages to shifting high-interest balances.
Change Is Good! Reasons To Change My Credit Card And Transfer My Balance.
Credit unions and other financial institutions often offer offers on balance transfers. If you already have a large load on a credit card with a high interest rate, this might be a significant benefit of credit card balance transfer. It’s an excellent approach to pay off debt quicker by minimizing the overall amount of interest you pay.
If you’re overwhelmed by multiple monthly credit card payments, a credit card balance transfer allows you to consolidate the balances of several credit cards onto one card. This, combined with a card that offers cash back, travel rewards, or other perks or discounts, can be a great benefit and provide additional savings.
Below you’ll find a list of the leading card offers for balance transfer in the US in 2022, start paying lower interest and pick up those cash back perks now!
Citi Reward Plus Card – Start Raking In Those Rewards And Make Huge Savings!
Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com.
Discover – Discover Great Savings On Interest, Transfer Your Balance Today!
INTRODUCTORY OFFER: Unlimited Cashback Match – available only via Discover. At the conclusion of your first year, Discover will automatically match all cash back you’ve earned! There are no minimum or maximum expenditure requirements. You may convert $150 in cash to $300.
Earn 5% cash back on daily purchases at a variety of locations each quarter, including Amazon.com, grocery shops, restaurants, and petrol stations, up to the quarterly limit when you activate. Plus, automatically get an unlimited 1% cash back on all other purchases. You can also redeem any amount of cash back at any time and there is no yearly charge. Discover is accepted in 99 percent of establishments that accept credit cards nationally.
Bank of America – Magnificent Perks With Low Interest Rates!
This the top of the bunch for Balance Transfers, making at least $1,000 in purchases in the first 90 days of account creation, will get you a $200 online cash rewards incentive. Cash back at a rate of 1.5 percent on all purchases is infinite. If you’re a member of Preferred Rewards, you may earn an additional 25%–75% cash back on every transaction.
There is no yearly charge. There is no limit on the amount of cash back that may be earned, and cash incentives never expire. APR of 0% for the first 15 billing cycles on purchases and debt transfers done over the first 60 days. The contactless card feature also lets you male purchases quickly on the go.
As you can see there isn’t a whole lot of difference in what each card offers, however changing your card will unlock opportunities to save more money on future purchases and interest rates.
