Best Balance Transfer Credit Cards for 2015

Discover it Card. It doesn’t matter how many websites you visit looking for the best balance transfer deals in 2015—you’ll find the Discover it card at or near the top. This card never met a person with excellent credit it didn’t love, so enjoy 18 months of interest-free relief following balance transfers and you won’t be penalized, even if you exceed your credit limit. Discover is entirely U.S. based, so if you pride yourself on dealing exclusively with U.S. companies, this card has your name on it. Besides, if you’re late with one payment, you are forgiven. A little math should convince you that the Discover it card can make 2015 a better year for your fiscal health.

Chase Slate. There’s a reason Forbes Online declared this card one of the best balance transfer offers back in 2013 and the status of this card is expected to remain high into 2015 and beyond. Make a balance transfer during the first 60 days and there’s no balance transfer fee, plus you pay less interest with this card once the account is seasoned. Enjoy a 0-percent variable introductory rate on purchases for 15 months, at which point, this account reverts to as low as 12.99-percent, depending upon your credit, and there’s no annual fee. If you are already an excellent risk, this could be the card for you.

Lake Michigan Credit Union Prime Platinum. If you like to patronize small businesses and avoid big corporations, you may wish to explore one of the best balance transfer credit cards via The Lake Michigan Credit Union. This Prime Platinum has one of the lowest APRs on the planet: 6.25-percent variable APR. You read that right. Your long term-debt could come to a crashing end in 2015 if you take advantage of this institution’s no transfer fee and then enjoy 0-percent interest for 15 months. Analysts like to use Chase Slate as a point of comparison if you’re considering a balance transfer card backed by a smaller institution. Do you have to be a member? You do, but you can become one simply by making a donation to the Michigan branch of the ALS association. When last were you offered a great credit card choice that also assists a worthy charity?