Carrying massive balances on high rate cards can be a great challenge. It's getting extremely difficult to meet your financial obligations when your interest rates move up and your debts spiral out of control. And that's the situation when balance transfer credit cards can be of great help. Why do you need to pay more when you can get a better deal with lower interest rates? Pay off your debts on much more favorable terms with low APR balance transfers!

Discover® Card
Discover® More Card

0% intro APR on balance transfers for a full 15 months, then the Regular APR.
0% intro APR on purchases for a full 6 months, then the Regular APR.
5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more.

Citibank
Citi® Dividend Platinum Select® MasterCard®

0% Intro APR on Balance Transfers for 15 months. After that, the APR will be 12.99%-20.99% based on your creditworthiness.²⁶
No annual fee.²⁶
Earn 5% cash back at restaurants and on car rentals and hotels from 7/1/10 to 9/30/10. Enrollment required each quarter.

Citibank
Citi® Diamond Preferred® Card

0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 14.99%. This APR will vary with the market based on the Prime Rate.
No annual fee.²⁶
Concierge service that caters to your needs 24/7.

Purch.--Purchases, Bal.Tr.--Balance Transfers, n/a--Not Applicable
²⁶ See the online Citi credit card applications for details about terms and conditions of reward programs and offers.

Balance transfer applications are ideal when it comes to eliminating your debts. When transferring your balance to a new low rate card, you have all the chances to pay down your debts faster and save a lot of money on top of that.

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0 balance transfer cards work really great when you need to eliminate your debts as soon as possible. These deals provide the way to pay off your balances with 0% introductory interest rates. The length of the promotional period may vary. The higher your score rating, the longer intro period you can get on your new balance transfer application. It means that you can avoid paying interest on balance transfers for the whole year or even more.

Take for example Discover More Card. It's one of the best buy balance transfer deals that give an extensive interest free period on balance transfers. If you are lucky to have excellent or good credit score, feel free to review this application. The strong point of this offer is 0% APR on balance transfers for 12 months.

Take advantage of zero interest rates and pay off your balance faster! Another great feature of Discover More Card is a capped balance transfer fee. Even if your debt is too heavy, you will pay no more than a maximum of $75. This can save you lots of extra money, especially when it comes to massive balances.

Capital One® Platinum will be a good choice for those people who want to consolidate their debts and pay them off on affordable terms.

The real gem of this card is 0% Intro APR on balance transfers and purchases and no annual fee. If you want to pay down your high rate account balance on the card with better terms, consider applying for this credit card.

If you want to pay your debt gradually, fixed low APR balance transfers will be the best option. With Blue Cash from American Express, you can enjoy a really low APR on balance transfers within the promotional period and low ongoing rates on balance transfers and new purchases. This application comes with no annual fee and generous cash back rebates on your daily purchases and you can get great benefits after your balance is paid off.

Keep in mind that good balance transfer deals are mainly designed for people with good and excellent score. If your FICO is near to perfect, take you time to review top balance transfer applications! Choose the balance transfer deal with good rates and pay off your debts easier and faster!

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