Author Archives: Don Marks

About Don Marks

Covering numerous industries related to financial service, home repair and consumer marketing

Should Consumers Apply for a Credit Card Through a Mail Solicitation, or Should They Only Use Review Websites.

You may be regularly getting pre-approved credit card offers in your mailbox and wonder if you will automatically get approved for one of these credit cards if you apply. These pre-approved credit card offers do not mean that that you are really pre-approved. The reason why they send you the pre-approved offer is that they predict that your credit score will fall in the range of their credit score requirements. They will only pull up your credit report if you apply for the credit card. If you has a long track history record of good credit score, it is likely that they will approve your credit card application.

If your credit score is average, you might get approved for a card with terms that are not as nice as the one advertised in the offer. In this case, it is recommended that you apply for the card through a credit card review site. The credit card review site has a link that takes you to the online form where you can fill and get an estimate quote of the interest rate. This allows you to know whether you will be approved for sure before proceeding in applying for the credit card.

There is no obligation to accept the credit card offer when you get pre-approved. It is not a problem to submit a lot of credit card application forms because the credit card company will not perform any hard inquiry on your credit report. They will only perform the hard inquiry once you confirm that you accept the credit card offer.

One benefit of signing up through a review site is that you can compare the credit card offers including APR interest rate, monthly payment, loan term and fees. The well-organized information about each of the credit card offers makes it easy for you to choose the most suitable credit card. When you are interested in a card, you can click the link to the review site to visit the official credit card page and get up to date details. You can also contact the credit card company if you need to confirm the information you just saw at the review site about the credit cards.

If you rashly sign up a pre-approved credit card offer, you may be missing other credit card deals that offer even better terms. The credit card review site offers detailed reviews on different credit cards and reading these reviews can help you to determine whether the credit card is a good value to you. The writer of the review actually signs up for that particular credit card so he calls tell you the pros and cons. The review will also discuss how the rewards program may work for you.

Which Credit Cards From Citigroup are Offering the Best Sign Up Bonuses for 2017

A credit card sign up bonus is a fnancial bonus granted to the credit card holder when a minimum spending requirement is met. The sign up bonus varies across different Citi credit cards. The following are the top 4 credit cards from Citigroup with the best signup bonuses in the year 2017.

1. Citi Prestige

Citi Prestige will reward you with 40,000 bonus points as the sign up bonus when you spend a minimum of $4,000 in the first 3 months. The points can be redeemed with a variety of stuff such as gift cards, voucher for travel purchases and etc. if you book a hotel for 4 consecutive days through the concierge service, they will offer one free night stay at the hotel. If you book the hotel room after July, the complimentary 4th night will be based on your average room booking rate. You will get free access to a lot of VIP lounges. It offers 3x ThankYou points on air travel and 2x ThankYou Points on restaurant and entertainment. Citi Prestige charges a $450 annual fee and each authorized user is also charged a $50 annual fee.

2. Citi ThankYou Premier
Citi ThankYou Premier will reward card holders with a total of 40,000 bonus ThankYou Points if they meet the minimum spending of $3,000 in 3 months. It offers 3x ThankYou points for per dollar spent on gas and Lyft rides. You get rewarded with 2x ThankYou points on restaurant and entertainment. You can use the points to redeem some discounts at certain loyalty programs such as Singapore Airlines and Hilton Hhonors. Citi ThankYou Premier charges a $95 annual fee but the fee is not charged on the authorized users.

3. Citi ThankYou Preferred Card for College Students

Citi ThankYou Preferred Card for College Students allows you to redeem a signup bonus of 1,5000 ThankYou points provided that you spend $1,000 in a period of 3 months. The 15,000 ThankYou points is equivalent to $150 in gift card. The card will reward you with 2x ThankYou points when you spend money on restaurant and entertainment. All other purchases made with the card will still get 1x ThankYou Point. The bonus points can be redeemed for deduction in bill or in the form of a gift card. Citi ThankYou Preferred Card is ideal for college students who want to earn points while using the card to pay for their expenses during their college studies. Citi ThankYou Preferred card does not have annual fee. The authorized users added to the card also won’t be charge annual fee.

4. Citi Aadvantage Platinum Select

Citi Aadvantage Platinum Select is offering 50,000 bonus miles for anyone who spend at least $3,000 within 3 months. It offers several American Airlines perks including free first checked bag, group 1 boarding and 25% discount on in flight purchases. It offers 2 x Aadvantage miles everytime you spend a dollar on American Airlines. All other purchases that do not belong to Aadvantage will still be rewarded with 1x Aadvantage mile. You can use the Aadvantage miles that you have accumulated to redeem your next trip.

Stay on top of the best credit cards for 2017 with our team of credit card and finance editors searching the market everyday to find the best card promotions of the new year!

Which Credit Card is Offering the Best Rewards Bonus for the 2016 Holidays

The approaching holiday season is the reason why you should grab the opportunity to use your rewards credit card to spend money and earn points at the same time. Points can be used to redeem discounts on all kinds of expenses. The following are 6 best rewards bonus credit cards for earning rewards during the holiday season in 2016.

1. Chase Sapphire Preferred Card

Chase Sapphire Preferred Card offers 2x rewards point for per dollar when you charge your card for dining or travel related expenses. Cardholders who reserve their air ticket via Chase Ultimate Rewards can earn an additional 25%. It has a 50,000 signup bonus for those who manage to spend a total of $4,000 or more in 3 months. The fifty thousand bonus points is redeemable for $625.

2. Capital One Venture Rewards

Capital One Venture Rewards allows you to earn 2 miles per dollar spent. The miles you earn can be redeemed for a wide range of travel expenses. You are not limited to any specific brand of airline or hotel when redeeming the miles. The card offers a generous sign up bonus of 40,000 bonus which is worth a travel statement credit of $400. To claim the 40,000 bonus points, your credit card statement must show that you have spent at least $3,000 in the past 3 months.

3. Chase Freedom

Chase Freedom has a list of rotating categories that offers 5% cash back. They will release the bonus rotating categories every quarter. You will get 5% cash back if your expenses falls in one of the category. You just need to spend $500 in the first 3 months to claim a $150 cash back bonuses.

4. Blue Cash Preferred Card from American Express

Blue Cash Preferred Card from American Express allows you to redeem up to 6% cash back for your grocery shopping for a maximum spending limit of $6,000. You can get 3% cash back when you stop by at the local gas station to purchase petrol. The unlimited 3% cash back is also available to cardholders who make purchases at the department stores. The card charges an expensive annual fee of a minimum of $95.

5. Discover it

Discover it provides 5% cash back for expenses in the bonus rotating categories for up to $1,500 in 3 months. It will match your cash back at the end of the year so that you earn double cash back. The Cashback Match program is only available for those who sign up for Discover It card for the first time.

6. American Express Premier Rewards Gold Card

American Express Premier Rewards Gold Card offers 3x points for cardholders who book their air ticket from the official airline site. You can earn 2x points if you charge the card at a US based restaurants, petrol station and department store. Cardholders who use to card to purchase items in other categories will earn 1x point.

Stay tuned as we begin covering the best credit cards for 2017 and help our audience uncover the most amazing credit cards and promotional offers for the new year!

How Many Credit Cards Does Capital One Offer

Capital One offers a collection of 12 different types of credit cards for customers. Capital One offers two travel rewards cards including Venture Rewards, and VentureOne Rewards. Capital One Venture Rewards is a travel rewards card that offers a sign up bonus of 40,000 bonus miles when your card is charged with a total expenses of $3,000 within a 3 months period. You earn 2x miles for every dollar you spend in Capital One Venture Rewards. On the other hand, Capital One VentureOne Rewards offers 1.25 miles for every dollar you spent. You will be rewarded with 20,000 bonus miles when you meet a minimum spending of $1,000.

In addition, Capital One also offers 2 types of cash back rewards cards including Quicksilver Rewards and QucksilverOne Rewards. Quicksilver Rewards offers 1.5% cash back regardless of what you use your card to buy. You also get to redeem a $100 cash back after you have used your card for at least $500 worth of expenses within 3 months. QuicksilverOne Rewards also offer 1.5% cash back on all purchases but this card does not offer a sign up bonus.

Capital One Spark
business credit cards collection features 5 cards including cash back and travel miles rewards credit cards. Spark Cash for Business gives you a chance to redeem a 2% cash back on everything you spent on the card. You can redeem a $500 cash sign up bonus when your total spending reaches $4,500 within 3 months. Spark cash Select for Business rewards customers with 1.5% cash back without any category restriction. The card also reward customers that have spent $3,000 in 3 months with a $200 cash sign up bonus. Spark Classic for Business is a standard business rewards card that offers 1% cash back on all the business purchases.

Capital One Spark Miles for Business offers 2 miles on every dollar you spend. It rewards cardholders with up to 50,000 bonus miles after you have spent the first $4,500 on your card. The 50,000 miles is equivalent to a value of $500 that you can use to cover some of your travel expenses. Spark Miles Select for Business rewards customers with 1.5 miles per dollar. With the Spark Miles Select for Business, you just have to spend $3,000 in 3 months to redeem the sign up bonus of 20,000 miles. The 20,000 miles is equivalent to $200.

Capital One Platinum card is a standard credit card that does not offer any types of rewards.
Capital One offers Journey Student credit card that features 1% cash back rewards but you can get 1.25% cash back rewards if you repay the bill on time. You can sign up for the Capital One Secured MasterCard with a security deposit of $200. If you can’t afford $200, they have 2 other options including $49 – $99.

Reviewing The Latest Credit Card Promotions For 2016

Statistics prove that many Americans tend to be very loyal to their credit cards, even when better offers come out from competitors, such as lower interest rates, better perks and better rewards. Over 25% of people between the ages of 30 to 50 claim to have stood by their credit card, never even looking at other offers on the market. Senior citizens tend to be the most loyal to their preferred plastic brand, with over 31 percent of all senior citizens claiming to have kept the same credit card for one decade or longer. Loyalty has its place in life don’t get me wrong, but when it is costing you money, it is time to rethink things. Being loyal to a person is admirable, being loyal to a faceless corporation not so much.

Don’t get me wrong, I am not advising people to ditch their current credit cards in favor newer credit cards. Credit card loyalty does have one benefit, it can help if you should ever need to negotiate with your credit card company. Times this can come into play could be asking them not to report a late payment, or having a one time fee removed. A long standing credit card or two on your credit report that has a good payment history always gives your credit score a boost.

credit card promtions

Most people do not consider the fact that they do not have to ditch their current credit card in order to take advantage of a newer and better offer. In fact keeping an older credit card account open helps your credit score, since the age of your accounts counts for a decent amount of your FICO score. Yet there is no rules stating that you cannot apply for and take advantage of a newer and better offer that may come your way. Our website features reviews of the TOP credit card offers on the market. You just may be surprised at how much money you could save on interest, what credit card perks are available to you, what sign up bonuses are available to you, and what rewards you could be racking up over time with a new credit card. You will also boost your FICO score with responsible use of your shiny new credit card.

Today is the perfect time to look into a secondary credit card or even a third account. The reason being is that today credit card competition is stronger than ever, so credit card companies are constantly rolling out newer and better offers than ever before. Massive sign up bonuses such as 50,000 reward points or miles are common, with many credit card companies offering as much as $500 or more in rewards just for signing up. Credit card companies are offering the most lucrative rewards ever seen to date, so now is the time to consider taking advantage of these offers. Some of these credit card companies even allow you to transfer these points to hotel and airline partners programs, further maximizing your rewards value. You could combine two credit cards rewards to obtain as much as 100,000 points for a hotel or airlines reward programs.

2016 Best Offers For Credit Cards If Your Credit Score Is Excellent

It is now 2016, and you have worked hard on your credit score and financial habits if your credit score is excellent or higher. If excellent credit is a new thing for you, or even if you have had excellent credit for years, you should be aware that the credit card industry is very very competitive. These companies compete hard for your business. so every single year the offers just get better and better. Have you compared credit cards lately for offers for those with excellent credit? You might very well be missing out on better rewards, lower interest or better perks. We have poured over the most recent offers the industry has to offer for those with excellent credit, and have ranked these offers according to overall value.


Citi® Diamond Preferred® Card

This credit card for those with excellent credit offers tons of value to any savvy consumer. To start with they offer some pretty sweet rewards. Their rewards program offers Citi Easy Deals Points for shopping online through Citi Easy Deals. You can redeem these points online for gift cards, merchandise and great local deals. While this is not a standard rewards program, and you only earn the points via shopping online, its still a sweet reward program. You also get a nearly unheard of Intro Purchase APR of 0% for 21 Months. This card has no annual fee, so there is no reason not to add this card to your credit card portfolio. The perks alone make this card worth having, such as their 24/7 concierge service or interest rates as low as 12.24%. Perks also include lost luggage reimbursement, auto rental insurance, flight accident insurance, extended warranty programs, and purchase protection. If you tend to carry high balances, this is the perfect credit card to carry in your wallet or purse.

reduce interest with zero percent cards

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Capital One® VentureOne® Rewards Credit Card

This credit card for those with excellent credit offers interest rates as low as 11.99%, making this the perfect credit card for those who carry high credit card balances. There is also a rewards program where you earn 1.25 miles per dollar spent, with no caps. To sweeten the deal, there is no annual fee to cut into your rewards potential. Rewards can be used for any travel expenses, with no blackout dates, so travel when you want, on your own terms. Your miles also never expire, so you can rack them up for years then cash them in for a dream vacation. You also free gain access to Capital One’s credit tracker, which can alert you via text or email to any changes to your credit score.

Chase Slate
If you have a balance on an older, higher interest bearing credit card, this credit card for those with excellent credit offers you a $0 balance transfer fee, provided that you make any balance transfers within 60 days of opening up the account. You also receive an 0% Introductory APR for 15 months on purchases and balance transfers, giving you more than ample time to knock out any balances without incurring any pesky interest charges. If that was not enough there is also debt management tools and budgeting help available. It also has no annual fee, which makes this the perfect credit card if you have had some debt problems in the last year or two, following the most recent recession, yet managed to keep your credit score intact. The down side of this card is the lack of rewards, it is more geared towards debt management. Also beware of the 5% cash advance fee, if you are the type to use cash advances. Overall a useful card for debt management, without the frills of a rewards card.

Credit Tips For College Grads To Keep Their Scores High

Like after college can be a wondrous exciting time, but for many it means a dose of reality. It means starting to look for a job in your chosen career field. For others it is their first step in the adult world of real finances, other than student loans and credit cards. While many former college students had credit cards, many did not learn the lessons needed to manage their credit correctly. Credit is not hard understand, however the key to credit is using it wisely and understanding the basics of credit. Here are the simple lessons you should know by the time you are done with college.


The first thing that you should have a grasp of is that budgeting is the key to not only credit but all of your finances.
if you do not track each and every expense you can quickly get side lined with paying back debts and loose control of your spending. There is an old adage that knowledge is power, and power for your personal finances is budgeting and keeping track of your expenses.

Getting started with budgeting is rather easy. First off you need to write down all of your given income for a month. Next what you need to do is spend two weeks writing down everything you spend money on, leaving nothing out including anything purchases on a credit card. Leave no expense out even if it is just $2.50 for a coffee. Then you add all the regular recurring bills you have every month to this list. Add these expenses up and compare them to your monthly income. The number may shock you. You then have to decide if there is anything that you can live without and figure out what to devote to a savings account for a rainy day, a financial goal or for later investing.

The next thing you need to learn is that interest can add up very quickly. With credit you will want to make more than the minimum payment every month, if not the whole balance in full every month. If you have for example $2000 in credit card debt at 19.9 percent interest rate it would then take you five years to pay it off at the minimum payment and close to $1200 dollars in interest. Obviously this is a bad deal. The above example is assuming you do not make any new purchases during this repayment period. If you miss payments you can be hit with penalty interest rates as high as 30% which cold further trap you into debt. With credit cards it is prudent to only charge what you can pay off in a month.

The last part about credit is understanding that your behavior patterns when it comes to using credit will dictate what type of credit you qualify for and at what interest rate. If you have ever been denied credit before it is usually due to one of two reasons, the first many students and recently graduated find themselves in is that of thin credit. Thin credit is where the credit reporting agencies simply do not have enough data on you to formulate a credit score. The second main reason people get denied new credit is due to mismanaging their credit. Things like late payments, debts that you skipped out on paying and too many inquiries can all quickly tank your credit score. The good news is that if you manage the credit you do have, then over time your credit score will improve. With improved credit scores come better interest rates and even better you will qualify for rewards credit cards and other perks. It is simply a matter of being responsible with your credit over time. Keep your credit balances low, pay off your balance in full each month if you are able and never miss a payment and you will be on your way to steller credit in no time.

Four Holiday Shopping Rewards Cards You Need In Your Wallet

holiday shopping

With the holiday shopping season fast approaching, many people are taking a second look at their credit cards and looking for a new credit card which has more to offer this holiday season. If you are looking for the right credit card for the holiday season, we offer this comprehensive guide to the best credit cards of the 2014 holiday season. These credit cards are not just gimmicks for the holiday season but credit cards that have something to offer for years to come.

We also have some tips on getting the most out of your holiday shopping with your credit cards. For example some credit cards are offering anywhere from 3% to 6% cash back on select categories or stores, which can greatly help you offset the cost of this holiday season. Cash strapped this holiday season? Why not go for a credit card with a 0% intro APR? With a 0% intro APR card you can delay interest on payments or your balance for as long as 18 months in some cases, and a few cards will even offer cash back as a rewards program on top of the 0% intro APR offer!

Blue Cash Preferred® Card from American Express
The number one credit card on our list for the holiday season and year round, this card has everything you need and then some for Christmas shopping. First you will get Amazon prime for one year for free, which opens up free shipping and members only offers for this holiday shopping season. You will also receive $100 back in the form of a credit statement if you make $1000 in purchases with this card in the first 90 days of opening up your account. If you like cash back and are planning on hosting a nice holiday dinner with your family this year, this card offers you 6% cash back on all supermarket purchases, up to $6000 annually, as well as 3% US gas stations & select US dept stores, 1% on other purchases. To top off this offer, you receive a intro 0% APR offer for 15 months! You have 15 months to pay off your holiday expenses with no interest and still enjoy the cash back courtesy of American Express. This card is meant for those with excellent credit and does carry an annual fee of $75, but with the cash back and sign up bonus you will end up paying nothing.
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The Citi Simplicity card
This card is perfect for those who want to splurge on gifts, dinners and fine foods this holiday season and take their sweet time to pay it off. The Citi Simplicity card offer has a intro 0% APR offer for 18 months, giving you plenty of time to pay off the holiday seasons balance at your own pace. On top of the very long and generous intro APR period, the Citi Simplicity card also has a very nice rewards program which awards you Citi Easy Deals Points. Citi Easy Deals Points can be redeemed for a multitude of online offers, products, services and gift cards to your favorite restaurants and merchants. To seal the deal this card has no annual fee.


Bank of Hawaii Visa Signature® Credit Card with MyBankoh Rewards

This card while not well known outside of Hawaii is open to all residents of the U.S, and this card as well offers a generous 18 month 0% intro APR period on new accounts. AFter your intro APR period your APR will be 16.9% or lower depending on credit worthiness. You also earn $100 after you spend $1000 within the first 90 days of opening the crddit card, in the form of 10,000 points which can be converted or cashed in for $100.00 or saved for a future date. You also earn a 10% Annual Year-End Bonus on points earned throughout the year. To top it off you also recieve a -% intro APR for 18 months on any balance transfers made to this card. The APR is very competitive with this card and there is no annual fee making this credit card a solid choice for anyone wishing to delay interest on their holiday shopping while still earning decent rewards points for their efforts.


Citi ThankYou® Premier Card

The 4th card on our list has a killer sign up bonus that comes in a two- one punch. You earn 20,000 Citi thank you points if you spend $2,000 in purchases within the first 3 months of account opening. You also earn 30,000 points after another $3,000 in purchases within the first 3 months of your second year of being a card holder, giving you value in keeping this card past the first year of having the card. You earn 3 ThankYou Points for every $1 spent on purchases for Dining at restaurants and select Entertainment merchants, 2 ThankYou Points for every $1 spent on purchases for Airfare, hotels and travel agencies and 1 point on everything else. You can use the points directly on the Citi ThankYou portal for gifts such as Brookstone Active Sport Handheld Massager for only 8,100 pts.

Looking for a card loaded with perks? The Citi ThankYou premier card offers you the following:

Personal Concierge Service
EMV Chip Technology
Extended Warranty – Extend the manufacturer’s original U.S. warranty (of one year or less) up to one additional year
Lost Luggage Coverage
Auto Rental Insurance
Trip Cancellation and Trip Interruption Coverage
Emergency Assistance Services – Pre–Trip Travel Assistance, Medical Assistance and Legal Referral Services.
Citi® Price Rewind – Citi Price Rewind will search retailers’ sites for 60 calendar days from the date of purchase. If a lower price is found, you can get the price difference back.

It is hard to beat these perks!

There is an annual fee of $125, however this waived your first year. The APR ranges from 13.99%, 16.99%, 18.99%, 20.99%, or 22.99%, based on your creditworthiness.

Don’t Get Spooked Into Choosing The Right Rewards Credit Card Halloween Addition

Many people end up choosing the wrong credit card, for a variety of reasons. Some people simply take the first offer that comes their way, without doing comparisons among the various rewards credit cards on the market today. Other people are sent slick mail offers aimed at people who just rebuilt their credit from credit card companies offering less than ideal terms. You’ve worked hard to get where you are at credit wise so you deserve the best credit card that your credit rating and good financial habits allow. If you have had bad credit but worked hard to repair it, do not let the skeletons in your closet and the ghosts of credit gone bad haunt you.
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The keys to finding the right rewards card for you are:

* Finding an offer that suits your lifestyle. A travel rewards card will do you little good if you never travel. A gas rewards card will do you little good if you do not drive. Pick the rewards card that offers you a reward you can most use. Pay attention to the fine print and other details other than simply the reward being offered, things like annual fee’s, processing fee’s and even foreign transaction fee’s if you travel abroad often. Big things to pay attention to are the interest rates and grace periods to avoid paying interest and what if anything can cause your rewards to expire.

You need to ask yourself what you can use the most. Do you want free bag checks on flights and discounted or free airfare? Do you want cold hard cash back? Or perhaps gift cards to some of your favorite stores and merchants. Do you want free hotel stays or car rentals? If you travel often what matters most to you perk wise, such as free access to airport clubs and lounges or a certain number of free bags checked, or priority boarding perhaps or all the above. There are cards out there that offer some or all of these options.

* Understand what types of rewards cards are out there in the market place. There are travel rewards cards, dining rewards cards, co-branded rewards cards for some of your favorite stores and merchants,hotel companies and airlines. Co-branded cards often give you the best value as other types of rewards cards average out at 1 cent per reward point, but co-branded cards are often much more than simply one cent per point value wise. There are also cash back rewards cards. Other types of rewards credit cards allow you to redeem points for flights or hotels or transfer your points to airline and hotel loyalty programs, or the option to convert your points to cash if you elect to not travel with your points.

* Understand that the credit card industry is very competitive and that your business is worth them giving you something for the privilege of doing business with you, provided that your credit score is at least decent. Many rewards credit cards offer rather huge sign up bonuses just to gain your business. If the offer you are considering is not an exception card and offers no decent sign up bonus, you might do better reconsidering applying for that card and instead comparing offers with another credit card which is offering a hefty sign up bonus. Also remember if the card has a sign up bonus to compare that to any potential annual fee it may have, some cards charge an annual fee the very first year and can negate completely or at worst a large part of the sign up bonus. The better cards on the market offer no annual fee the first year or simply no annual fee ever.

* Understand that you are not forced into choosing just one card. You can apply for a few cards, though I recommend not applying for more than two at any one time to keep your credit score as high as it can be and to keep your usage of available credit at or below 30% of your credit limit, this is known as your credit utilization score, and this directly impacts your overall credit score. There is no rule stating you can’t for example choose the Citibank double cash back card and a well rounded out travel rewards card. You can choose a variety of credit cards to suit your needs. For example the Chase Sapphire Preferred card earns two points per dollar spent when dining out and on travel so you can leverage that cards rewards value on those two areas of spending and use the Citi double cash back card for your other spending.

Some cards are very suited to savvy shoppers. For example the Chase Freedom card is currently giving out 5% cash back when shopping at Amazon.com, Zappos.com, Kohl’s and select department stores. If you choose to shop at Kohl’s for example and go through the shopping portal to the Kohl’s website, you get 10 points per dollar, then you will get an additional five for using your Chase Freedom card, which basically equals 15 percent back. So in essence the key to maximizing your rewards and selecting the right rewards card is to know what you want, compare current offers and maximize your rewards by shopping through online portals offered by credit cards, airlines, merchants and hotels with points or rewards programs. Lastly the credit card industry is huge, do not jump at the first offer that comes your way, you can be selective.

October 2014 Top Rated New Balance Transfer Credit Cards

If you have run up a few credit cards and desire to consolidate the monthly payments into one monthly bill, these credit card offers I have selected are just what you are looking for. Not only can you consolidate your payments into one payment, you will also enjoy a 0% intro period on any balance transfer. If you expect it will take you quite awhile to pay off your balance, pick an offer with the longest 0% intro period as possible. We have kept this list with only card offers that charge 3% or less balance transfer fee and omitted the card offers that carry a 5% balance transfer fee. The great news is that there are several providers offering balance transfers over 14 months, putting a number of these zero percent promotions in 2016!

Chase Slate
This card makes it to the top of our list due to not having a balance transfer fee. For most consumers, this is the top 0% balance transfer offer due to no balance transfer fees. Forbes Online listed this as the best 0% offer in 2013. You also get 0% intro APR on balance transfers and purchases for 15 months, making this card ideal for a balance transfer if you can pay off the debt with in 15 months. The 0% balance transfer fee is only available for transfers that are made during the first 60 days of opening the account, so be sure to make all your balance transfers in that time, or you will face a 3% balance transfer fee there after. This card has no rewards, but it also has no annual fee. The interest rate ranges from 12.99% to 22.99% depending on credit worthiness, but any interest can be avoid by paying the entire balance off in full during the 15 month 0% APR intro period.
top zero percent balance transfer credit cards
Citi Simplicity® Card
This card offers an amazing 18 month 0% intro APR not only on balance transfers, but also purchases. The balance transfer fee is only 3% of the total balance transferred, and the interest rate ranges from 12.99% to 21.99% depending on your credit rating. This card is perfect for those trying to catch up on debts, it has no late fee’s for late payments and no interest penalty rates ever. No annual fee either. Customer service is U.S based and available 24 hours a day. The only drawback to this card is the lack of any rewards program with this card.

Discover it®

Another 18 month 0% APR on balance transfers intro card, it also includes 0% intro APR for purchases. There is a 3% transfer fee on the balance transferred, but with 18 months of no interest you can pay off the balance in full over the course of a year and a half. The interest ranges from 10.99% – 22.99% depending on your credit score. This card is the first balance transfer card on your list with a rewards program, the reward program has bonus cash back categories. Other perks include no annual fee, No foreign transaction fee, U.S.- based customer service, and your FICO score free on every credit card statement and online.

Citi® Double Cash Card

This card offers a 1% cash back on all purchases, as well as another 1% cash back when you pay for those purchases on your balance, and it also offers a generous 0% Intro APR on Balance Transfers and Purchases for 15 months. This card unlike many other cards has no category restrictions and no caps towards cash back earned. This option is ideal for people who will make some purchases while making use of the balance transfer feature. This is the top cash back rewards program available, and the APR is quite fair at 12.99%-22.99% depending on your credit worthiness. This however is not a good card if you ever expect to be late with a payment, as they assess a penalty APR up to 29.99% when it comes to missing a payment even by 1 day. This card like the rest on list features no annual fee.

Citi® Diamond Preferred® Card

This card also features a 0% Intro APR on Balance Transfers and Purchases for 18 months. The interest or APR ranges from 11.99%-21.99% based upon your credit score. Like most of the cards on this list there is a balance transfer fee of $5 or 3% of the balance transferred, whichever is greater. This card also has a nice rewards program called Citi® Easy Deals which awards you points for all your purchases, and the points can be redeemed for online deals on name-brand merchandise, gift cards and local deals such as restaurant certificates. This cards concierge service can even help you find deals for and book hotels, airfare and more. This card has no annual fee, but this card does require excellent credit.

UNITY® Visa Secured Credit Card – The Comeback Card

For those with bad credit there is still an option to consolidate your debt. This secured credit card has no 0% intro APR however, the APR intro is 9.95% on balance transfers for 6 months, and there after the APR goes to a fixed rate 17.99% interest. Still a good deal for those wishing to consolidate a bunch of small debts onto one card and save a little but of money while doing so. This card has no rewards and does have an annual fee involved.