# Help me find a decent 0% APR balance transfer CC? **URL:** \ **Category:** In My Humble Opinion\ **Created:** [April 16, 2008, 7:20pm UTC](https://boards.straightdope.com/t/help-me-find-a-decent-0-apr-balance-transfer-cc/445633 "2008-04-16T19:20:44Z")\ **Posts on this page:** 8\ **Page:** 1
**Author:** ![Kalibakthegreat](https://avatars.discourse-cdn.com/v4/letter/k/7feea3/32.png) [@Kalibakthegreat](https://boards.straightdope.com/u/Kalibakthegreat)\ **Post date:** [April 16, 2008, 7:20pm UTC](https://boards.straightdope.com/t/help-me-find-a-decent-0-apr-balance-transfer-cc/445633/1 "2008-04-16T19:20:44Z")
I haven’t shopped around for credit cards in years. I have a balance of about $5K on mine, and I want to basically snowball it to wipe it out over the next year or so. I’d like to basically transfer it all to a “0% APR for the first year” card and pay it all off during that period by putting as much money toward it as possible. Where and how can I find a reputable card to do this? Are there website clearinghouses for deals like these? My credit is good enough that I should have no issue qualifying for the card, but I need them to take ALL of my balance and give me the 0% APR deal on the TRANSFER, not just new purchases. How do I do it? ---
**Author:** ![tremorviolet](https://avatars.discourse-cdn.com/v4/letter/t/e47774/32.png) [@tremorviolet](https://boards.straightdope.com/u/tremorviolet)\ **Post date:** [April 16, 2008, 7:40pm UTC](https://boards.straightdope.com/t/help-me-find-a-decent-0-apr-balance-transfer-cc/445633/2 "2008-04-16T19:40:42Z")
Check out Discover. They have the 0% interest on balance transfers for a year. If you ahve good credi, you shouldn’t have a problem getting one. ---
**Author:** ![The\_Them](https://avatars.discourse-cdn.com/v4/letter/t/898d66/32.png) [@The\_Them](https://boards.straightdope.com/u/The_Them)\ **Post date:** [April 16, 2008, 9:45pm UTC](https://boards.straightdope.com/t/help-me-find-a-decent-0-apr-balance-transfer-cc/445633/3 "2008-04-16T21:45:01Z")
The right AmEx card will do this up to yer credit limit, BUT: There’s a balance transfer fee of 3%, AND the 0% thing is only about 5-6 months. ---
**Author:** ![Lionne](https://avatars.discourse-cdn.com/v4/letter/l/8e8cbc/32.png) [@Lionne](https://boards.straightdope.com/u/Lionne)\ **Post date:** [April 16, 2008, 11:28pm UTC](https://boards.straightdope.com/t/help-me-find-a-decent-0-apr-balance-transfer-cc/445633/4 "2008-04-16T23:28:30Z")
Try searching [creditcards.com](http://www.creditcards.com/balance-transfer.php). I’ve used it several times to open up the exact same card you are looking to use. ---
**Author:** ![DrDeth](https://avatars.discourse-cdn.com/v4/letter/d/b487fb/32.png) [@DrDeth](https://boards.straightdope.com/u/DrDeth)\ **Post date:** [April 17, 2008, 3:41am UTC](https://boards.straightdope.com/t/help-me-find-a-decent-0-apr-balance-transfer-cc/445633/5 "2008-04-17T03:41:57Z")
\*\*Warning! \*\* Many 0 balance transfer cards have an up front fee of around 3%. :eek: ---
**Author:** ![Kalibakthegreat](https://avatars.discourse-cdn.com/v4/letter/k/7feea3/32.png) [@Kalibakthegreat](https://boards.straightdope.com/u/Kalibakthegreat)\ **Post date:** [April 17, 2008, 3:44am UTC](https://boards.straightdope.com/t/help-me-find-a-decent-0-apr-balance-transfer-cc/445633/6 "2008-04-17T03:44:53Z")
[QUOTE=DrDeth] \*\*Warning! \*\* Many 0 balance transfer cards have an up front fee of around 3%. :eek: [/QUOTE] I started reading this on a bunch of websites like the Motley Fool. What would this sort of thing be euphemistically called when it’s hidden in the fine print? ---
**Author:** ![Angel\_of\_the\_Lord](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/angel_of_the_lord/32/2949_2.png) [@Angel\_of\_the\_Lord](https://boards.straightdope.com/u/Angel_of_the_Lord)\ **Post date:** [April 17, 2008, 4:29am UTC](https://boards.straightdope.com/t/help-me-find-a-decent-0-apr-balance-transfer-cc/445633/7 "2008-04-17T04:29:35Z")
Seconding the Discover. Just did that myself while I’m waiting for the house to sell. ---
**Author:** ![Mama\_Zappa](https://avatars.discourse-cdn.com/v4/letter/m/71e660/32.png) [@Mama\_Zappa](https://boards.straightdope.com/u/Mama_Zappa)\ **Post date:** [April 18, 2008, 2:55pm UTC](https://boards.straightdope.com/t/help-me-find-a-decent-0-apr-balance-transfer-cc/445633/8 "2008-04-18T14:55:04Z")
[QUOTE=DrDeth] \*\*Warning! \*\* Many 0 balance transfer cards have an up front fee of around 3%. :eek: [/QUOTE] Very true. Though it may still be worth it if other things look good. We did this once; there was a maximum of 50 dollars for the fee so the percentage (we transferred 5-6K) was actually lower than 3%; and the zero-interest period was one full year. The amount in question was a home maintenance expense that otherwise would have gone on the home equity line of credit, so we paid considerably less, overall, even with the fee. So - don’t dismiss a fee-for-transfer card out of hand if it otherwise has good features.