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I’m looking for a perfect credit card where I can transfer balances, have nearly zero interest and can earn points for travel, etc. Which card is the best for that?

3 Responses to “What is the best credit card to get with low interest where you can transfer your balances and earn points?”

1. Katherine S says:

   April 23, 2008 at 11:51 pm

   I’ve found this site to be the most comprehensive about credit cards. Many credit cards typically only offer one “reward”: ie are categorized as low interest, rewards-based, OR balance transfers.
2. Wing A says:

   April 25, 2008 at 6:15 am

   - try this one. I personally use their card.
   As I know it offers 0% interest rate for 18 months and very easy to transfer balance.
3. Debt Free says:

   April 25, 2008 at 3:01 pm

   First off, what is your current APR?
   I assume you feel you are paying too much in interest charges? Second, there is no such thing as a perfect credit card. I know you might not like my answer, but if you take your annual savings in interest and just invest it in a good “Money Market Account”, you will then earn interest (around 4-5 percent annually, It will keep your money ahead of inflation) instead of paying interest each and every month. If you want a little more aggressive investment you could look at some good mutual funds. You could easily earn between 8-10 percent a year on your money. The savings alone from not paying any interest will more than make up for a few lost travel points. I mean think about it. They really do not just give you those points… Somebody has to pay from them. Why pay more than you have to.

   Sincerely

   Debt Free

   Where I talk about Personal Finance and Politics