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Best Balance Transfer Credit Card Offers

Disclosure: Basic Travel Couple, LLC has partnered with CardRatings for our coverage of credit card products. Basic Travel Couple, LLC and CardRatings and MileValue may receive a commission from card issuers. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Note: Some of the offers mentioned below may have changed or are no longer available. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. You can view our current offers here.

Not quite ready yet to open a credit card due to some credit card debt you already have? If you are paying high interest on credit cards, your first step is to pay this off. The best way to do this would be to open a 0% introductory APR Credit Card for Balance Transfers. We want to ensure that you are paying down ANY and ALL debt before you jump into Basic Travel Strategies.

This is a VERY Important Step!

If you start spending money on credit cards and you are not paying them off each month, the plan will derail quickly. You will not have ANY cost savings on travel and it could hurt you in the long run. Check out our Top Balance Transfer Card Options. This will provide relief from the 15-25% Credit Card Interest Rates you may currently be paying!


Don’t quite need Airline or Hotel credit cards just yet? If you are looking for a Cash Back Credit Card, 0% intro APR or a Balance Transfer Card, we’ve got you covered with our Top Credit Card Offers.


Calculating your Balance Transfer

We suggest doing a balance transfer and then calculating how much you have to pay off and how much time you have. For example, say you have $5,000 in credit card debt and you got a balance transfer for 18 months. You would divide the 5,000 by 18 months to determine a monthly rate of $277.78 to pay off. I would probably round up to $300 a month and ensure you pay this EVERY month to get out of the debt. If you can afford more, pay off more.

If you are looking for additional guidance or individualized support, please reach out to us HERE. We are willing to help get you back on track first before moving forward with Basic Travel Strategies.

We have the best offers for 0% Balance Transfers for our readers through our affiliate above. Please review them and let us know if you have any questions about the specific terms & conditions. While you work on improving your credit score, be sure to check out our other articles to learn how to utilize credit card strategies. This way when you are ready to move forward, you’ll have some basic knowledge of the game.

New to Credit Card Rewards Points? Check out the BASICS Below!

Editorial Disclaimer: Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

Disclosure: Basic Travel Couple, LLC has partnered with CardRatings for our coverage of credit card products. Basic Travel Couple, LLC and CardRatings and MileValue may receive a commission from card issuers. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

The comments section below responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

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5 Basic Travel Strategies

Need-to-know tricks for cheap travel.

Top Credit Card Offers

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Chase Freedom Flex℠

5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases. 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
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We're Dave & Lisa

An easy-going, fun-loving couple who have a passion for adventure and exploring the world! Our strategies have saved us over $100,000 in travel over the last four years, and our goal is to help you do the same.

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