Balance Transfer Credit CardsNeed some help? Checkout our Credit Cards Guide
Balance Transfer Credit Cards
A balance transfer credit card is for those who want to transfer their existing credit card balance/s to another credit card which offers a much lower or no rate for a certain period of time. This type of card will suit those people that would like to pay off their current balance but are currently being charged a high interest rate. By transferring over your existing credit you will have the opportunity to pay off your balance without paying a fortune in interest.
Provided you have some discipline and are able to stop spending during this time frame, you can use a balance transfer offer to your advantage. Any additional spending during this time will only put you in the red, making it even more difficult for you to pay off and to catch up on what you owe to your lender.
Be careful however as the interest rate for new purchases made during the introduction period may be high. Also be sure to check what the revert rate will be once the introduction period has expired.
The table below displays the top balance transfer credit cards currently available.
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