Three Non-Business Balance Transfer Credit Cards Worth Your While
These three credit cards are the best of the balance transfer offerings geared towards non-business owners. As with our list of the best balance transfer accounts for business owners, Advanta clearly has the best offering. Let’s look at the three we’ve chosen:
Advanta Kiva Credit Card For Business Professionals
Like the small business credit cards from Advanta, this card features 0% APR on balance transfers for the first 15 months with a one-time 3% fee on the transaction capped at $90. With this card, you earn between .25% to 1% cash back on purchases, depending on the category. Additionally, you can use the card to sponsor grants through Kiva’s lending network. The company will match any amount you put up, with a 5% rebate.
Discover offers 0% APR for balance transfers during the first 12 months, along with 0% APR on all additional purchases made during the first six months. It also charges a 3% transfer fee, capped at $75. Additionally, the Discover More card offers 5% rebates on varying purchase categories (range of products change quarterly). Even better, it charges no annual fee.
Like the Discover More card, it offers 0% APR on transfers (1 year), 0% APR on purchases (6 months), a 3% balance transfer fee with a ceiling of $75 and no annual fees. Unlike the former, however, it offers 5% rebates on fixed categories, plus up to 20% cash back when you buy through Discover’s online shopping site.
