Not long ago credit card companies were competing for any business they could get, which was a good thing for consumers. It was easy to find 12 month (or better) 0% balance transfer offers, credit card sign up bonuses, and generous credit card rewards programs. Unfortunately, the credit card industry has taken a hit lately, which means many of the great deals that were available only a year ago are gone. But the economy is making a turn for the better and it looks like some of the more generous credit card programs may be making a comeback.
12 Month 0% Balance Transfer Offer – Discover More(SM) Card
Best overall balance transfer card (12 months): The Discover® More(SM) Card currently offers one of the longest balance transfer offers with a 0% interest rate on balance transfers for 12 months and a balance transfer offer at 4%. You can also receive 0% interest on new purchases for the first 6 months. The Discover® More(SM) Card offers a flat 1% on all purchases, with up to 5% cash back in select categories. As an additional bonus, you can get a $50 cash bonus when you spend $599 within your first 3 billing cycles. Sign up for the Discover® More(SM) Card.
0% balance transfer credit cards. The Discover More Card is not the only 0% balance transfer credit card available to consumers. Check out the top rated 0% balance transfer credit cards for more information.
Up to 15 months 0% balance transfer card
Update: The Citi® Platinum Select® MasterCard® offers a 0% Variable APR* on balance transfers and purchases for up to 15 months. This gives Citi® Platinum Select® MasterCard® holders added flexibility in being able to pay off their old debt at 0%, or making new charges at 0% interest for up to 15 months. The downside to this card is the lack of rewards or cash back, which are featured with the Discover More Credit Card. However the 3% transfer fee is more attractive than the 12 month Discover Card, and in line with the 6 month balance transfer offer from Discover, which is featured below. Sign up for the Citi Platinum Select MasterCard.
6 Month 0% Balance Transfer Offer – Discover More American Flag Card
The Discover More American Flag Card was offered as a 12 month 0% balance transfer credit card at one pint, but is currently listed as a 6 month balance transfer card. The Discover More American Flag Card currently comes with a 0% interest rate on purchases and balance transfers for 6 months, with a 3% balance transfer fee. The rewards program is among the best in the industry right now, with 1% cash back on virtually all purchases, and up to 5% cash back on select categories.
Discover More American Flag Card features
The Discover More American Flag Card offers the same features as the other Discover More cards, the only exception being the 12 month 0% balance transfer offer instead of 6 months. The Discover More card is one of the best cash rewards credit cards currently on the market, offering up to 5% cash back on purchases, 0% interest on purchases for the first 6 months, and no annual fees. Here are some more details:
- 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
- 5% to 20% Cashback Bonus at top online retailers
- Up to 1% Cashback Bonus on all other purchases automatically
- Unlimited cash rewards
- Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners
- 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers*
- Apply for the Discover More American Flag Card.
Using the Discover More Card for a 0% Balance Transfer
Transferring your credit card balance to a 0% interest balance transfer offer can save you hundreds or even thousands of dollars in interest payments while you repay your credit card debt. To take advantage of this offer you simply need to fill out a few extra fields on your Discover Card application. But be sure to read the fine print. A six month balance transfer comes with a 3% balance transfer fee, and a 12 month 0% balance transfer comes with a 5% fee. While these fees weren’t common a year ago, they can still save you a lot of money over the long run (5% is much better than 20%+!). Here is more information about how to take advantage of 0% balance transfer credit card offers.
For more information about the Discover More American Flag Card, or to apply online, visit http://www.discover.com/american-flag.
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Ahhh, the return of the 0% balance transfer offers! I love it! Long live this new bull market!
fantastic