The Best
Balance Transfer Credit Card

Now that you're on a search for the best balance transfer credit card, what do you look for? Opinions vary widely from person to person because the best option is a matter of personal situation. I'll provide you with an idea of features to seek in a credit card that offers balance transfers. I'd also like to suggest some credit cards that, in my opinion, are the best balance transfer credit cards.

These two factors play the most important role in determining which balance transfer credit card is best for your situation. If you have a large amount of debt that you cannot pay off in 6 months to a year, the best balance transfer credit card should have a low rate for the life of the balance. That's why my opinion of one of the best balance transfer credit cards is the Blue Cash® from American Express® credit card. This card offers, not only 4.99% on balance transfers until their paid off, but you also get cash rewards with the purchases you make. Still, keep in mind, it's best to wait to make purchases until your balance transfer is paid off.

On the other hand, if you have a small amount of debt that you need to get rid of, the best credit card balance transfer offer to use would be a 0% for a set period. For example, if you have a $4,000 amount of debt that you would like to pay off in a year and you can afford $340.00 a month, you'll be better off at 0% instead of 4.99%. You can get this 0% with my favorite Discover Card, the Discover® More Card. The Discover® More Card is another cash reward credit card giving you 0% for 12 months.

Along with the general aspects of your debt, some other items to look at when searching for the best balance transfer credit card include the following:

• Does the credit card have an annual membership fee?
• How are your payments made on the account applied to the balance?
• Does the credit card issuer charge a balance transfer fee?
• Do you earn rewards on purchases?

Do you own a business? Many businesses have a large amount of debt that they've accrued over time. A great way to get rid of this excessive business debt is with a balance transfer to a business credit card. As with personal credit cards, the more debt your business has, the longer you'll want the balance transfer offer to last. That's why my opinion of the best balance transfer credit card for businesses is the Advanta Platinum BusinessCard With Rewards. This card works great for small amounts of debt and offers your business 0% for 15 months, one of the longest 0% offers you'll find. Both of these business cards also offer a low annual percentage rate on purchases along with rewards! That's another reason I consider them to be the best balance transfer business credit cards.

What's your opinion of the best balance transfer credit card? I'd like to hear from you. Fill out the form below and I may post your opinion directly to this webpage.

Please note that all fields followed by an asterisk must be filled in. First Name* First Name* E-mail Address* E-mail Address* Credit Card Issuer* Credit Card Issuer* Advanta American Express Chase Citicard Discover HSBC Pulaski Other Credit Card Name* Credit Card Name* Why do you consider this the best credit card?* Why do you consider this the best credit card?* Please enter the word that you see below.

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