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Here are the top balance transfer credit cards of 2020

One of the most beneficial advantages of balance transfer credit cards includes transferring your existing debt from a high-interest credit card to a low-interest credit card. In the case of a high-interest credit card or cards for that matter, the repayment will take a hefty toll on your finance after meeting interest payments and principal payments.

Consolidating your debts in a low-interest balance transfer credit card will enable you to free up cash and meet other much-needed obligations. But not everyone is eligible for one, you need to have an excellent credit score in order to be eligible to even apply. Some of the best balance transfer credit cards available in the market for you to take advantage are listed as follows:

Discover it® 0% interest card
The main advantage of this card is balance transfers into Apr at 0% for a longer repayment period of 18 months. This will free up the much-needed cash and reduce the load of debt, thus enabling you to meet your principal payments also. the ongoing rate applicable will range from 13.49% to 24.49% variable with a balance transfer fee of 3% applicable on the total debt. The card also features an introductory APR at 0% for the first six months.

Bank of America BankAmericard®
This card will enable 0% introductory balance transfer fees which is a big relief since the fees charged for balance transfer on other cards and debts can be quite significant depending on the amount you owe. This scheme is applicable for 18 billing cycles for any balance transfers that are made in the first sixty days. After which the fees charged is 3% with an ongoing variable APR of 14.49% to 24.49% and there is no penalty APR applicable on late payments. the introductory APR is also set at 0% for the first fifteen days after opening your account.

Barclaycard Ring® Mastercard®
With an introductory APR of 0% for the first 15 months since opening your account, a 0% introductory balance transfer for 15 months on transfers made within the first 45 days, with a variable ongoing APR of 14.24%, no annual fees, no cash advance APR, this card most definitely makes the list of best balance transfer credit cards.

Other popular balance transfer and low-interest cards include U.S. Bank Visa® Platinum Card , Wells Fargo Platinum card , Amex EveryDay® Credit Card , and Citi Simplicity® Card amongst many others.

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