If you move your balance from one card to another, the new card typically charges a fee—an average 3.46%, according to a CompareCards.com study—and such fees have been creeping up lately, says Matt Schulz, chief industry analyst for CompareCards.
Look for cards that charge no balance-transfer fee and offer an introductory 0% APR. For example, the Amex EveryDay card levies no fee if you request the transfer within 60 days of opening an account, and it charges no interest for the first 15 months (after that it ranges from 14.99% to 25.99%). Plus, you’ll get two points per dollar spent at supermarkets and one point on everything else, as well as a 20% bonus on points earned if you use the card at least 20 times per billing period. Points are redeemable for gift cards, travel bookings and statement credits, among other options.
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