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You may be feeling frustrated for having to pay your credit card every month and still not get out of debt after a long time. The good news is that you can transfer your balance to a balance transfer card with a zero percent promo to pay it off faster.
Before you perform the balance transfer, you must first find out how much balance you want to transfer and the rate of your current credit card debt. This allows you to choose the right credit card to transfer the balance. When choosing a card, you must consider the length of the zero percent intro promo period. You also want to find out whether the zero percent intro promo applies to balance transfer.
The zero percent intro promo usually last for a 9 – 21 months. Ideally, you should find a card with a zero percent intro promo that last for as long as you need to take to pay off the debt. Before you go ahead to sign up for the card, you must not forget to go through the fine print and check what fees you will be charged.
Through reading the fine print, you will learn how much percentage of fees you get charged for every balance transfer. The balance transfer fee can be 3% or more. Sometimes, the balance transfer fee is waived when you transfer the balance within a limited time frame. For example, BankAmericard waives the balance transfer fee if you transfer the balance within 60 days. You must make sure that you are still saving money after paying the balance transfer fee.
You must apply for a balance transfer card that is issued by a different bank than the bank that issue the new credit card where you want to transfer the balance from. The credit limit of the card depend on the evaluation of your credit. The issuer may set a limit on how much balance you can transfer in a 30 days period. Once you have chosen a balance transfer card, you can fill in the application form and apply for it.
You can call the credit card company to perform the balance transfer. The representative will ask you for the account numbers of your credit cards and the transfer amount. It takes 1 week or so for the transfer to successfully go through. In the meantime, you still have to make payment on your existing card. You will receive a confirmation when the amount is successfully transferred. The balance on your old cards will be limited if you can get the whole amount transferred to the new card.
You must be punctual in making payment to keep on enjoying the low introductory rate. You should come up with a plan to pay off your balance within the promo period when the APR interest is waived. In this way, you can avoid paying interest fees when you are paying off your debt
Southwest Rapid Rewards Premier credit card is designed for customers who regularly fly domestic with Southwest Airlines. The card features a big signup bonus of 40,000 points for spending $1,000 within 3 months from account opening. It worths $400 if you redeem it for a free Southwest flight ticket. You must not have received any sign up bonus in the past 24 months to enjoy the sign up bonus.
With the Southwest Rapid Rewards credit card, you earn 2x points per dollar spent at Southwest Airlines, hotel and car rental agency. It awards 1 point on all other purchases. The points you earn are redeemable for a variety of stuff such as free flight, and gift cards. Every $10,000 that is spent will help you to attain 1,500 tier-qualifying points.
The tier qualifying points enable you to achieve the A list companion pass status faster. There is a limit of up to $100,000 on earning the 1,500 tier-qualifying points. Some of the benefits of A list companion pass status are priority boarding, and extra 25% on per flight. If you can earn 110,000 points in a year, you will earn the companion pass. The companion pass let one person to travel with you for free but you have to pay for other fees like taxes. The tax starts from $5.60 for one way ticket.
Flying at least 100 times in a year will have earned you enough points to obtain a companion pass.
It is recommend that you fly with Southwest all the time so that you can earn maximum points to speed up the time for redeeming the rewards. Every time you buy a ticket from Southwest Airlines, you will earn 2x point and an additional 25% bonus. You can book your accommodation via Southwest Rapid Rewards partnering hotels to earn additional points.
On your card anniversary, they will award you with 6,000 bonus points. Card holders can save money on the first and second baggage through the bags fly free perk. If you have to change plane, they won’t charge you any change fee but there may be fare differences. Southwest Airlines Rapid Rewards has $99 annual fee.
Southwest Rapid Rewards Premier does not have any foreign transaction fee charges when you shop abroad. Most of the destinations that Southwest Airlines serve are domestic destinations.
However, they do offer services to nearby destinations abroad such as Mexico, Central America, and Caribbean. Although Southwest don’t fly to many international destinations, you can still use the card to book your flight to overseas destinations via the partner airlines. It does not put any restriction on the seat when you redeem the points for free flight. There is no blackout date and you can redeem the point at any time.
Airline credit card can earn you miles that turn into savings when you buy future travel tickets. With the miles you accumulate, you can upgrade your seat, or get a free flight ticket. It is indispensable for those who regularly take airplane trips to domestic or international locations. The following are the 4 best airline credit cards that can earn you at least 2x miles in 2018.
1. United MileagePlus Explorer
United MileagePlus Explorer offers 2 miles per dollar spent when you buy your tickets from United. Using the card to pay for other purchases will give you 1 mile per dollar. There is no foreign transaction fee when you use the card in overseas shopping. If you spend $2K on purchases in the first 3 months, you will earn 40K bonus miles. Members also get two passes to the United Club every year.
2. Aadvantage Aviator Red Mastercard
Aadvantage Aviator Red Mastercard offers 2 miles per dollar spent when you shop at American Airlines. This card offers features that are taken from other AA cards. Cardholders can enjoy perks like free checked bags, discount on food/beverage and signup bonus. You stand to earn 60K bonus miles with the first purchase that you make in the first 90 days after account opening. Spending $25K in a year will earn you $3K worth of Elite Qualifying Dollars.
3. Jet Blue Plus
Jet Blue Plus offers a lot of nice perks for travelers such as free baggage, signup bonus. Using the card to pay for your True Blue purchases will earn you 6 points per dollar. The card,when used at grocery and restaurant, will earn you 2 points per dollar spent. Swiping your card on other categories of purchases will give you 1 point per dollar spent. Every TrueBlue point will worth about $0.012.
You will receive 5K points on the anniversary day that you sign up for the card every year. Five thousand bonus point is worth $60 which covers more than half of the annual cardholdersear. Only the primary card holders will earn points when spending money on the card.
4. Southwest Rapids Rewards Premier
Southwest Rapids Rewards Premier Credit Card is for people who regularly book their flight tickets with Southwest. Its rewards program offers 2x points on every dollar that you spend on Southwest flights. When it is used to purchase other things, you can also earn 1 point on per dollar spent.
Every anniversary, on the date when you signup for the card, they will send you an anniversary bonus worth 6K points. When at least $1,000 is spent in 3 months, they will send 40,000 signup bonus points to your account. The 40K signup bonus points is worth $680. The Southwest Companion Pass can be yours when you have accumulated 110K Southwest Rapid Rewards Points within a year.
Barclay offers 20 types of credit cards. Most of the cards are associated with a brand name. The following is the list of cards Barclay US is currently offering.
1. Barclaycard Visa
Barclaycard Visa with Apple Rewards gives you time to pay off a big purchase at Apple without getting charged any interest. You’ll earn points for every Apple purchase.
2. Holland America Line
Holland America Line earns you 2x points for per dollar spent on Holland America purchases. First purchase will earn you 5,000 points which is equivalent to $50 onboard credit.
3. Frontier Airlines Credit Card
Frontier Airlines Credit Card earns you 40K bonus miles for the first $500 spent within 90 days from account opening. You also earn 2x miles per dollar spent at Frontier Airlines.
4. Uber Visa Credit Card
Uber Visa credit card earns you $100 cash back for the first $500 spent within 90 days from account opening. You can earn 4% from restaurant, 3% on travel and 2% on online purchases.
5. Carnival Credit Card
Carnival credit card offers 10K FunPoints equivalent to $100 value as sign up bonus after first purchase. You can earn 2x FunPoint on your purchases at Carnival Cruise
6. Priceline Rewards
Priceline Rewards offers 5x points on purchases at Priceline.com and you get to earn 5K points following your first purchase.
7. Hawaiian Airlines World Elite Mastercard
Hawaiian Airlines World Elite Mastercard offers 35K bonus miles after spending $1,000 within 90 days of account opening. You can earn 2x miles on purchases at Hawaiian Airlines. It includes free 1st checked bag.
8. Aadvantage Aviator Red World Elite Mastercard
Aadvantage Aviator Red World Elite Mastercard offers 50k bonus miles in the first 90 days. You can earn 2x Aadvantage miles on American Airline purchases. First checked bag is free.
9. Princess Cruises Rewards Visa Card
Princess Cruises Rewards Visa Card offers 10K bonus points after you make the first purchase. You can earn 2x points on all purchases at Princess Cruises.
10. Barclaycard Arrival Plus
Barclaycard Arrival Plus offers 40K bonus miles after you spend $3K within 90 days from account opening. You earn 2x miles on all purchases. You can redeem 5% miles back on the next redemption.
11. RCI Elite Rewards
RCI Elite Rewards offers 2x point on RCI purchases and 2,500 points after your first purchase.
12. Barclaycard Ring
Barclaycard Ring offers a low APR interest rate on purchases and balance transfers. It has zero balance transfer fee, zero foreign transaction fee and zero annual fee.
13. Aadvantage Aviator Business Mastercard
Aadvantage Aviator Business Mastercard offers 40K bonus miles after first purchase within 90 days from account opening. You can earn 2x Aadvantage miles on American Airline purchases, office supply, telecom and car rental.
14. Barnes & Nobles
Barnes & Nobles credit card offers 5% cash back on Barnes & Nobles purchases. You’ll earn 2x points on restaurant expenses. You can earn $26 gift card after first purchase.
15. Choice Privileges
Choice Privileges offers 2x points on per dollar spent on everyday purchases and 15x points per dollar spent on purchases at Choice Privileges locations. You can earn 32K points after spending $1K within 90 days from account
16. NFL Extra Points
NFL Extra Points credit card offers 10K bonus points after spending $500 within 90 days from account opening. All NFL purchases will earn you 2x points.
17. Lufthansa Miles and More
Lufthansa Miles and More offers 2x miles on per dollar spent at airline partners. You earn 50K miles when you spend $5K in the first 90 days. You get 2 business lounge voucher every year.
18. Wyndham Rewards
Wyndham Rewards offers 15K bonus points after first purchase. You earn 3x points on per dollar spent at participating hotels and 2x points on gas, utility and grocery purchases.
19. Diamond Resorts International Mastercard
Diamond Resorts International Mastercard offers 2.5K bonus points after first purchase and 500 points for every $2K that you spend. Shopping at Diamond Resorts will earn you 2x points.
JetBlue offers 10K bonus points on eligible purchases and 3x points on purchases at JetBlue. You earn 2x points at restaurants and grocery stores.
We help consumers find the best credit cards for 2018, visit TopCreditCards2018.com for tips on rewards, cash back, balance transfer and zero percent cards!
Both the Barclay CashForward World Mastercard and Wells Fargo Cash Wise Visa have a few things in common. First of all, both cards offer a $200 signup bonus when you spend $1,000 in the first 3 months from the accounting opening.
With Wells Fargo Cash Wise Visa, you can redeem your rewards for cash, merchandise, travel statement and digital rewards when you have reached $25 in your rewards. Barclay CashForward World Mastercard allows you to redeem your rewards with statement credit, gift card and direct deposit into account. You can start redeeming the rewards when you have accumulated $50 worth of redemption in your account.
Both Wells Fargo Cash Wise Visa and Barclay CashForward World Mastercard don’t have any annual fee, provide 24/7 account protection and free FICO score access. Both charge a 3% ($5 minimum) balance transfer fee and 3% foreign transaction fee. Both cards feature chip card technology which makes it more secure to shop overseas.
Wells Fargo Cash Wise Visa has a zero percentage intro promo that last for 12 months for purchases and balance transfers. On the other hand, Barclay CashForward has a zero percentage intro promo that last for 15 months on purchases and balance transfers. You must transfer your balance in 45 days to take advantage of the zero percentage intro promo.
Wells Fargo Cash Wise Visa allows cardholders to earn 1.8% cash back when they shop via mobile app like Apple Pay, Android Pay, Samsung Pay and Wells Fargo Wallet in the first year of the account opening. Barclaycard Cash Forward World Mastercard, on the other hand, let you earn 5% cash bonus every time you redeem. For example, if you redeem $100 in cash rewards, you will earn a $5 cash rewards bonus.
Wells Fargo Cash Wise Visa offers cellphone protection for up to $600 in the event that your cell phone is damaged or stolen. It offers auto rental collision damage waiver for a car that you rent during your holiday trip. You must not accept the car rental company’s insurance if you want to get the coverage. They also offer emergency card replacement services and can quickly send you a replace card when you report your missing card. Barclaycard CashForward offers free travel assistance for 24/7 throughout the year in case you need help in getting to a destination during your trip in an overseas country.
In conclusion, Wells Fargo Cash Wise Visa card is designed for people who want to maximize their cash rewards in the first year. Barclaycard CashForward is the best for people whose goal is to maximize their savings. Barclaycard Cash Forward will only approve applicants with excellent credit score. Therefore, it is easier to get approved for Wells Fargo Cash Wise Visa card if you have a less than perfect credit score.
Citi Diamond Preferred card has a longest balance transfer intro offer in the market where the APR interest fee is waived for 21 months. The credit card is ideal for people who want to transfer a big balance and plan to pay it off in less than 2 years. Using Citi Diamond Preferred to consolidate your debt can help you to save thousands of dollars on the interest fee. It is also easier to plan your budget with the card because it does not have any annual fee.
You must complete the balance transfers in 4 months to take advantage of the zero percent promo. Although it has zero interest charges on the balance, it does charge a 3% or $5 minimum balance transfer fee. You can easily get approved for the card if you have good or excellent credit.
The interest fee that is charged after the intro promo is in the range of 14.24% – 24.24%, which is a bit higher than other cards. For excellent credit, other credit card usually charge interest rate around 13.89%. However, this downside can be overlooked by its 21 months long intro. If you can pay off your debt in 21 months, you don’t have to pay anymore interest fee.
The card also features a 12 months zero percent intro promo for purchases. After the zero percent intro promo end, you are charged with an interest that ranges from 14.24% – 24.24%. You can use Citi Diamond Preferred to make a big purchase and pay it off within 12 months to avoid the interest charges.
When you shop with Citi Diamond Preferred, you can enjoy extended manufacturer warranty. The card features $0 liability and can protect you from unauthorized charges. Citi Private Pass gives you the special privilege of purchasing presale tickets and VIP packages. You can set your own bill payment due date in the beginning, middle and end of the month. The card offers 24/7 concierge, which allows you to access a personalized concierge.
The credit limit for the Citi Diamond Preferred card will start from $500. Your income and existing debt will determine the credit limit for the credit card. Citi Diamond Preferred does not offer any reward program but it is not important since you are using the card to pay off your debt. The card is not suitable for you to bring along when you travel in the overseas because it has a 3% foreign transaction fee.
If you have an account in good standing, you will be automatically enrolled in the City Easy Deals portal. In City Easy Deals, you earn 1 point for every $10 you spend. Citi Bonus Cash Center features a network of around 400.
Visit TopCreditCards2018 for the best credit card offers in 2018, review cards from American Express, Chase, Bank of America and more. We’ll help you find great deals on cash back cards, travel credit cards, reward cards and more!
Having a cash back credit card allows you to earn cash back when you are doing your shopping. It allows you to earn cash back on rotating categories or all categories depending on what card you sign up. The following are the top 5 cash back credit cards in 2018.
1. Discover it Cash Back Match
Discover it Cash Back Match allows you to earn 5% cash back when shopping in categories like gas, grocery, dining, Amazon and wholesale clubs. They will match the rewards that you have accumulated at the end of the first year. When you refer someone, you can earn $50 cash back. You also earn rewards when you shop at Discover Deals. The cash back can be redeemed for rewards in checkout, gift card, bank account deposits or donation to your preferred charity.
Top Credit Card Offers For 2018
2. Chase Freedom Unlimited
Chase Freedom Unlimited offers $150 signup bonus after spending $500 within a period of 3 months. You can earn unlimited 5% cash back on the rotating bonus categories for up to the spending limit of $1,500. If you buy something that is not in the bonus categories, you will still earn 1% cash back. For the first 15 months, you don’t have to pay APR interest fee on purchases and balance transfer. The card has no annual fee.
3. U.S. Bank Cash + Visa Signature Card
U.S. Bank Cash + Visa Signature card offers 5.5% cash back on the first $2,000 in two selected categories each quarter. After the first year, you will earn 5% cash back in each quarter. You also get to earn 2.5% cash back on everyday category in the first year. You earn 2% cash back on everyday purchases starting in the second year. All other eligible purchases will qualify you to earn 1.5% cash back in the first year and 1% cash back thereafter. There are no minimum rewards points to meet for the point’s redemption. It has no limit on the total amount of cash back earned and there are no annual fee charges.
Cash Back and Rewards Credit Cards for 2018
4. Blu Cash Preferred
Blu Cash Preferred offers up to $250 cash back when you spend $1,000 in the first 3 months. The cash back is in the form of a statement credit. In the first 12 months, the APR interest fee is waived. After the 12 months, the variable interest fee of 14.25% – 25.24% will kicks in. When you shop at a U.S. supermarket, you can receive a 6% cash back for up to $6,000 per year. You can earn 3% cash back when shopping at the gas station. Shopping in other categories will earn you 1% cash back. The card has $95 annual fee.
5. Chase Sapphire Preferred
Chase Sapphire Preferred offers 50,000 bonus points when you have spent $4,000 within a period of 3 months. You earn 2x points on travel and dining. The 50,000 bonus points can be exchanged with a $625 travel voucher. Redeeming the points for travel related rewards such as airfare and hotel allows you to get 25% more value. It features 1:1 point transfer and you will get free travel and purchase coverage.