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A balance transfer credit card can be an awesome tool to optimize your debt repayment. Use it to pay off your existing debt, then pay off the card before its introductory 0% APR expires. That cuts the amount of interest you owe to your creditors.

Balance transfer cards come in all shapes and sizes. The best cards offer promotional 0% APR periods, usually from 15 to 21 months. That means you have more than a year to zero your balance before the card’s typical APR kicks in.

Here are two cards we think are worth checking out:

1. U.S. Bank Visa® Platinum Card

The U.S. Bank Visa® Platinum Card is a credit card that offers a range of benefits and features, including an impressive introductory APR on purchases and balance transfers for the first 18 billing cycles, followed by a variable APR. This makes it a good option for consumers who want to finance a large purchase or consolidate high-interest debt.

In addition, the card has no annual fee, which can help cardholders save money in the long run. With that said, there is a balance transfer fee.

Beyond its low (but temporary) interest rate and lack of annual fee, the U.S. Bank Visa® Platinum Card also offers a few other benefits. These include fraud protection, online and mobile banking, and free access to your TransUnion credit score. Cardholders can also customize their account alerts to receive notifications about account activity, payment due dates, and more.

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2. Capital One Quicksilver Cash Rewards Credit Card

Capital One Quicksilver Cash Rewards Credit Card is another cash back credit card that offers both rewards and balance transfer options. Cardholders can earn unlimited 1.5% cash back on all purchases, with no minimum spend or rotating categories to keep track of.

There is no annual fee for this card, which can make it a good choice for consumers who want to earn cash back rewards without paying extra fees.

As for balance transfers, Capital One’s card provides an impressive introductory APR for 15 months after you open your account. Then the card activates a variable APR. Just be aware of the balance transfer fee on amounts transferred within that 15-month promotional period.

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About the author
Andrew Pentis
Andrew Pentis

Andrew Pentis is Credible’s Editor-in-Chief.

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