Clearly, the best way to reduce your debt is to take advantage of the zero balance transfer credit card offers available online. All you have to do is move your balances over, and you pay 0% interest. With all payments going towards principal for up to 12 months, it’s much easier to pay down what you owe and become debt free. In fact, one of my readers told me:
By using these zero balance transfer credit cards, I was able to pay off my balance 5 months earlier.
Wow!
Below are the top picks from well known credit card issuers. Those that made the list must be well known (no-name brands are excluded), offer 0% balance transfers and have no annual fee. Some even offer rewards and signup bonuses which is icing on the cake!
Discover® Open Road(SM) Card with Zero Balance Transfer
- 0% Balance Transfers for Nine Months
- 5% Cashback Bonus on the First $100 in Gas and Auto Maintenance Purchases Each Month
- 5 to 20% Cashback Bonus for Shopping in its Exclusive Online Store
- No Annual Fees
Click Here to Apply for the Discover Open Road Card
Discover® More(SM) Card with Zero Balance Transfer
- 0% Balance Transfers for Six Months
- 5% Cashback Bonus in Popular Categories Like Gas, Travel, Home Improvement, Department Stores and More.
- 5 to 20% Cashback Bonus for Shopping in its Exclusive Online Store
- No Annual Fees
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Discover More user here. I really wish they had a longer zero balance transfer period but six months isn’t bad, considering that most cards don’t have them anymore.
I originally thought that the OpenRoad card would be a great option but the gas rebate is only limited to $100 per month, which is so low.
I guess the 0% balance transfer is great though but still, not for me.