DMK Credit Card Fact : Why switch cards?

Transferring a $3,000 credit card debt from a credit card currently charging the national average APR 17.73% to a 0% Intro APR credit card can save you hundreds!

Currently you would need to pay $200/mo for 18 months to pay it off.

If you transfer your debt to the 0% interest card with a 3% transfer fee, you could save $510 and have the card paid off in 15 months.


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Top Credit Cards with Low Rates

Taking advantage of a new low rate credit card could save you a lot of money over the next year! Transfer your balances from high rate cards (some fees may apply) or make large purchases without the added high interest from typical credit cards. Now, the only question is what card to choose.




Read Disclosure Here

Introductory 0% or Low Interest Credit Cards


Capital One® Quicksilver® Cash Rewards Credit Card

No Annual Fee & Cash Back Rewards

Official Site Here

  • $150 One-Time Cash Bonus after you spend $500 on purchases within 3 months of account opening*
  • Earn 1.5% Cash Back on daily purchases*
  • Intro APR 0% for 15 months; 16.24%-26.24% variable APR after that*
  • Balance transfers, Intro APR 0% for 15 months; 16.24%-26.24% variable APR after that, 3% fee on the amounts transferred for the first 15 months*
  • $0 Annual Fee
  • No foreign fees

Intro Purchase APR*

0%

Intro Purchase APR Period*

15 months

Ongoing APR*

16.24% - 26.24% Variable APR

Balance Transfer Fee Yes

Annual Fee $0

Recommended Credit Score 690-850


* See Terms and Conditions of offer on Official Site. **See Disclaimer at the bottom of the page.


Chase® Freedom UNLIMITED® Credit Card

Double Cash Back in Your First Year1

Official Site Here

  • 1Cash Back Bonus! Earn 3% Cash Back on all purchases up to $20,000 in the first year*
  • Intro APR 0% for 15 months; 17.24%-25.99% variable APR after that*
  • Balance transfers, Intro APR 0% for 15 months; 17.24%-25.99% variable APR after that, 3% fee on the amount transferred, $5 minimum*
  • $0 Annual Fee
  • No minimum to redeem for cash back*
  • Free Credit Score, available weekly through Credit Journey®e *

Intro Purchase APR*

0%

Intro Purchase APR Period*

15 months

Ongoing APR*

17.24% - 25.99% Variable APR

Balance Transfer Fee Yes

Annual Fee $0

Recommended Credit Score 690-850


* See Terms and Conditions of offer on Official Site. **See Disclaimer at the bottom of the page.


Bank of America® Cash Rewards Credit Card

$200 Cash Rewards Bonus Offer2

Official Site Here

  • 2$200 Cash Rewards Bonus Offer! 3% in the category of your choice, 2% at grocery stores and wholesale clubs, unlimited 1% Cash Back on all other purchases (on the first $2,500 on the combined choice, category, grocery store, wholesale club purchases each quarter)*
  • Introductory 0% interest for 15 billing cycles for purchases and for any balance transfers made within 60 days of opening the account. After the intro APR offer ends, a variable APR that is currently 16.24% - 26.24% will apply*
  • A minimum of 3% fee applies to all balance transfers, minimum $10 applies to all balance transfers*

Intro Purchase APR*

0%

Intro Purchase APR Period*

15 billing cycles

Ongoing APR*

16.24% - 26.24% Variable APR

Balance Transfer Fee Yes

Annual Fee $0

Recommended Credit Score 690-850


* See Terms and Conditions of offer on Official Site. **See Disclaimer at the bottom of the page.


Discover it® Cash Back Credit Card

Cash Back Bonus Categories and First Year Cash Back Match4

Official Site Here

  • 4Cash Back Bonus! Discover will match all your cash back earned at the end of your first year automatically. There is no limit to how much is matched*
  • Earn 5% cash back for grocery stores, gas stations, restaurants and other bonus categories up to quarterly maximums, upon each activation. Rewards never expire*
  • Intro APR 0% for 14 months; 14.24%-25.24% variable APR after that*
  • Balance transfers, Intro APR 0% for 15 months; 14.24%-25.24% variable APR after that, 3-5% fee for each transfer (refer to site for info.)*

Intro Purchase APR

0%

Intro Purchase APR Period

14 months

Ongoing APR

14.24% - 25.24% Variable APR

Balance Transfer Fee Yes

Annual Fee $0

Recommended Credit Score 690-850


* See Terms and Conditions of offer on Official Site. **See Disclaimer at the bottom of the page.


Citi Simplicity® Credit Card

No Late Fees or Annual Fees

Official Site Here

  • No Late Fee, No Penalty Rate and No Annual Fee, Ever!*
  • 0% Intro APR for purchases for 12 months from date of account opening; after that a variable APR of 16.74%-26.74% based on creditworthiness *
  • Balance transfers, 0% Intro APR for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that the variable APR of 16.74%-26.74% based on credit worthiness will apply. $5 or 5% transfer fee of the amount of each transfer, whichever is greater*

Intro Purchase APR*

0%

Intro Purchase APR Period*

12 months

Ongoing APR*

16.74% - 26.74% Variable APR

Balance Transfer Fee Yes

Annual Fee $0

Recommended Credit Score 690-850


* See Terms and Conditions of offer on Official Site. **See Disclaimer at the bottom of the page.


American Express® Cash Magnet® Credit Card

Plan It® Feature for Large Purchases3

Official Site Here

  • $200*** Statement Credit after you spend $1,000 or more in purchases with your new card within the first 3 months of membership*
  • Earn 1.5% Unlimited Cash Back on your purchases*
  • Low intro APR, 0% for 15 months for purchases and balance transfers (approval required, within 60 days of new account opening, $100 min, Fee $5 or 3% whichever is greater). After 15 months a variable APR applies, currently 14.99%-25.99%*
  • Cash back is in the form of reward dollars
  • 3Plan It® feature splits up large purchases into monthly payments with a fixed fee*

Intro Purchase APR*

0%

Intro Purchase APR Period*

15 months

Ongoing APR*

14.99% - 25.99% Variable APR

Balance Transfer Fee Yes

Annual Fee $0

Recommended Credit Score 690-850


* See Terms and Conditions of offer on Official Site. **See Disclaimer at the bottom of the page. *** Offer is limited to initial visit; may not be available once you leave their site.


Citi® Double Cash Credit Card

Earn 2% Cash Back on Purchases!4

Official Site Here

  • 4Earn Twice! 1% Unlimited Cash Back when you buy, plus 1% when you pay for your purchases (must pay your minimum amount due, on time to earn cash back)*
  • Balance transfers do not earn cash back
  • Intro APR 0% for 18 months; 15.99%-25.99% variable APR after that*
  • Balance transfers, Intro APR 0% for 18 months; 15.99%-25.99% variable APR after that, based on credit worthiness, $5 or 3% fee on each transfer, whichever is greater*
  • $0 Annual Fee

Intro Purchase APR

0%

Intro Purchase APR Period

18 months

Ongoing APR

15.99% - 25.99% Variable APR

Balance Transfer Fee Yes

Annual Fee $0

Recommended Credit Score 690-850


* See Terms and Conditions of offer on Official Site. **See Disclaimer at the bottom of the page.


HSBC Gold Mastercard® Credit Card

Save More with Fewer Fees5

Official Site Here

  • Intro APR 0% for 18 months; 13.24%-17.24% or 21.24% variable APR after that*
  • Balance transfers, Intro APR 0% for 18 months; 13.24%-17.24% or 21.24% variable APR after that, 4% or $10 fee on each transfer, whichever is greater and must be completed within 60 days of account opening*
  • 5No foreign transaction fees
  • 5Late fee waiver (late fee waived once every twelve months)*

Intro Purchase APR

0%

Intro Purchase APR Period

18 months

Ongoing APR

13.24% - 17.24% or 21.24% Variable APR

Balance Transfer Fee Yes

Annual Fee $0

Recommended Credit Score 690-850


* See Terms and Conditions of offer on Official Site. **See Disclaimer at the bottom of the page. -OurDMK.com


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