If your credit card debt is high and you are getting killed on the interest it’s time to make a change. There are plenty of credit cards out there that offer 0% interest on balance transfers for 6-12 months. Don’t keep paying high interest when you can pay no interest. Just be ready to transfer your balance again when your 0% interest rate is about to expire.

Before you take out a small loan with high interest consider using a 0% APR credit card. The ones I found below offer 0% interest on purchases and balance transfers for 12 months. And you know what to do once you start getting close the interest adjustment… Transfer again.

The only catch you need to be aware of is that most of these cards require you to pay 3% of the balance you are transferring with a max charge of $50. But depending on what you are paying now for interest a one time charge of $50 is not bad. Make sure you do your research before signing up.

Citi Cards
Capital One
American Express