CREDIT & MONEY MANAGEMENT


Get 0% on Credit-Card Transfers

Taking advantage of a 0% balance-transfer offer can save you a bundle while you're paying off a holiday credit-card balance. And the offers are plentiful. Of the estimated 2.5 billion solicitations mailed in 2010, 71% included a 0% balance-transfer offer lasting an average of 12 months. The deals below for no-fee cards are the most attractive ones now being dangled before consumers.

The Capital One No Hassle Cash Rewards card offers a 0% introductory rate on both balance transfers and purchases until December 2011, and it charges no balance-transfer fee. You get 2% cash back on gas and grocery purchases and 1% on everything else. After the introductory period, the interest rate can go as high as 22.9%.

The Citi Platinum Select MasterCard offers a 0% balance-transfer rate for 21 months, a 3% fee for balance transfers and a 0% rate on new purchases for 12 months. After the teaser rate expires, your full rate may be as high as 19.99%.

The Discover More card promises a 0% balance-transfer rate for 12 months and no balance-transfer fee; the 0% rate on new purchases is good for six months. When you use the Discover More card, you earn a 5% cash-back bonus on various purchases. Full interest rates range up to 19.99%.

The Chase Freedom card offers a 0% introductory rate for balance transfers (until January 2012) and 0% on new purchases for six months; you'll pay a 3% balance-transfer fee. You get 5% rebates on items in rotating categories. Your rate after the intro offer expires may be as high as 22.9%.

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