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0BalanceTransfer » $2,000 - $5,000 Balance Transfer

Balance Transfer of $2,000 - $5,000

You can pay down your debt faster and save money with a balance transfer credit card offer. If you have between $2,000 and $5,000 to transfer, these cards are for you.

Here are the benefits of transferring a balance. You will save money, and get over the hassle of paying multiple cards each month. Making one payment will decrease your chances of paying late and reduce the risk of penalty fees and APRs.

When you are transferring a balance, keep in mind that your credit limit must be high enough to accommodate the balance you want to transfer. If the total amount of debt you are looking to transfer from one credit card to another is between $2,000 and $5,000 then your credit limit should be at least $5,000.

Required Credit History: Excellent/Good
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Intro APR
on Bal. Tr.
Fee on
Bal. Tr.
Intro APR
on Purch.
Regular
APR
Annual
Fee
0% (21 months)
up to 3%
0% (21 months)
$0
Save up to:  $848  with this card
Show card description
  • 0% Intro APR on Balance Transfers and Purchases for 21 months.
  • No Annual Fee. No Balance Transfer Fee.
  • Great Rewards Programs.
See More Card Details
Required Credit History: Excellent
Intro APR
on Bal. Tr.
Fee on
Bal. Tr.
Intro APR
on Purch.
Regular
APR
Annual
Fee
N/A
NONE
N/A
9.25% (variable)
NONE
Save up to:  $281  with this card
Show card description
  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved.
  • Low 9.25% variable standard purchase APR and platinum benefits.
  • No Annual Fee.
  • No balance transfer fee for balances transferred in response to this online offer.
Required Credit History: Excellent
Intro APR
on Bal. Tr.
Fee on
Bal. Tr.
Intro APR
on Purch.
Regular
APR
Annual
Fee
N/A
NONE
N/A
11.25% (variable)
NONE
Save up to:  $237  with this card
Show card description
  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved.
  • Low 11.25% variable standard purchase APR and platinum benefits.
  • No Annual Fee.
  • No balance transfer fee for balances transferred in response to this online offer.
  • Travel Rewards - cardholders who enroll in the program receive one point per net dollar spent.
  • Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions.
  • Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants.

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Balance Transfer: Calculations First

You are in good shape if the balance you want to transfer onto a new credit card with a 0% balance transfer promotional offer is $5,000 or less. If you have decent credit, not only it is probable that you will be approved for a card with a high enough credit line to absorb the entire amount of the transferred debt, but it will be easier for you to pay off the whole amount within the 0% promotional APR time frame.

Sometimes credit card companies will approve an application for a balance transfer, but grant the new cardholder a promotional APR period that is shorter than what they applied for. This makes it more challenging to get rid of the debt before interest begins accruing again.

However, with a smaller amount of outstanding debt to take care of, you can likely pay it off within the 0% promotional APR period even if it winds up being shorter than you anticipated. Doing a balance transfer can save you money no matter how big or small a balance you transfer.

BALANCE TRANSFER GUIDES: