The Best Balance Transfer Credit Cards in USA 2023
Balance Transfer Credit Cards: Agar aapke paas credit card ka karza hai, toh usse mukti paana mushkil ho sakta hai. Ek tareeka hai ki aap apna karza ek naye card mein transfer karein jismein kam interest rate ho. Bohot saare balance transfer credit cards hote hain aur aapko pata karna mushkil ho sakta hai ki kaun sa aapke liye sahi hai. Is article mein hum 2023 mein US ke sabse achhe balance transfer credit cards ke baare mein jaanege.
Balance Transfer Credit Cards kya hote hain?
Balance transfer credit cards woh credit cards hote hain jo aapke existing credit card karza ko ek naye card mein transfer karne ki anumati dete hain jismein kam interest rate ho. Iska matlab hai ki aap interest charges par paise bacha sakte hain aur apna karza jaldi se jaldi chuka sakte hain. Bohot saare balance transfer cards ek introductory 0% APR (annual percentage rate) on balance transfers offer karte hain jiski avdhaar par aapko set period of time diya jaata hai, jisse ki 12 se 18 mahine ke beech mein hota hai.
Balance Transfer Credit Card mein kya dekhna chahiye? Balance transfer credit card chunne ke samay, kuch baatein dhyan mein rakhni chahiye:
- Introductory APR: Woh card chune jismein balance transfers ke liye introductory 0% APR ho. Isse aapko ek fixed period of time diya jaata hai jismein aap apna karza chuka sakte hain bina kisi interest charges ke.
- Introductory Period ki Lambai: Jitna lamba introductory period hoga, utna jyada time hoga aapke paas apna karza chukaane ke liye. Isliye woh card chune jismein kam se kam 12 mahine ka introductory period ho.
- Balance Transfer Fee: Bohot se balance transfer cards balance transfer karne ke liye fee charge karte hain. Aap woh card chune jismein kam ya koi fee na ho.
- Ongoing APR: Introductory period ke baad card ka APR badh jaata hai. Woh card chune jiske ongoing APR kam ho.
- Rewards: Kuch balance transfer cards rewards programs offer karte hain jisse aap cash back ya points earn kar sakte hain apne purchases ke liye. Agar aap apne balance chukane ke baad card ko purchases ke liye bhi use karna chahte hain toh woh card chune jismein achha rewards program ho.
2023 ke liye Top 5 Balance Transfer Credit Cards:
- Chase Slate
- Discover it Balance Transfer
- Citi Simplicity
- BankAmericard Credit Card
- Capital One Quicksilver Cash Rewards Credit Card
Chaliye inn sabhi cards ko aur detail mein jaane.
- Chase Slate Chase Slate ek achha card hai jismein aap apna balance transfer karke fees ke bina chuka sakte hain. Agar aap apna balance transfer account khole 60 days ke andar, toh koi balance transfer fees nahi hai aur card aapko first 15 months ke liye introductory 0% APR provide karta hai. Iske alawa, card mein koi annual fees nahi hai aur aapko credit score tracking aur fraud protection jaisi facilities bhi milte hain. APR ke baare mein jaankari ke liye, ye 14.99% – 23.74% variable ho sakta hai, aapke creditworthiness par depend karta hai.
- Discover it Balance Transfer Discover it Balance Transfer ek aur card hai jo fees ke bina 0% introductory APR offer karta hai balance transfers ke liye. Ye introductory period 18 months tak hai aur iske baad ongoing APR 11.99% – 22.99% variable ho sakta hai. Card mein koi annual fees nahi hai aur aapko cash back rewards bhi milte hain, jismein aapko 5% cash back offer kiya jaata hai rotating categories mein aur 1% cash back all purchases ke liye.
- Citi Simplicity Citi Simplicity ek aur card hai jo balance transfers ke liye introductory 0% APR offer karta hai 21 months tak, aur fees bhi nahi hai balance transfer ke liye. Iske alawa, card mein koi annual fees nahi hai aur late fees ya penalty APR bhi nahi hai. APR 16.74% – 26.74% variable ho sakta hai, aapke creditworthiness par depend karta hai.
- BankAmericard Credit Card BankAmericard Credit Card woh card hai jo logon ke liye accha hai jo ek longer introductory period aur Bank of America checking account ke liye overdraft protection chahte hain. Aapko first 18 billing cycles ke liye balance transfers aur purchases ke liye 0% APR offer kiya jaata hai, jiske saath 3% balance transfer fee bhi hai. Iske baad ongoing APR 12.99% – 22.99% variable ho sakta hai, aapke creditworthiness par depend karta hai. Ismein koi annual fees nahi hai.
- Capital One Quicksilver Cash Rewards Credit Card Capital One Quicksilver Cash Rewards Credit Card woh card hai jo logon ke liye accha hai jo apna balance chukane ke saath-saath rewards bhi earn karna chahte hain. Aapko first 15 months ke liye balance transfers aur purchases ke liye 0% APR offer kiya jaata hai, jiske saath 3% balance transfer fee bhi hai. Iske baad ongoing APR 15.49% – 25.49% variable ho sakta hai, aapke creditworthiness par depend karta hai. Ismein aapko har purchase ke liye unlimited 1.5% cash back rewards offer kiya jaata hai aur koi annual fees nahi hai.
Conclusion
Jab baat balance transfer credit cards ki ho, toh aapke liye bahut se options hai. Aapke liye sabse accha card aapke individual needs aur financial situation par depend karta hai. Card chunne ke samay, aapko lamba introductory period, kam ya koi balance transfer fee aur kam ongoing APR wala card chahiye. Agar aap apne balance chukane ke baad card ko purchases ke liye bhi use karna chahte hain, toh achha rewards program wala card chune.
