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Top 5 Balance Transfer Cards

If you have accumulated a huge debt on your credit card and the interest is piling up, then balance transfer cards offer a simple solution. They allow you to pay off your outstanding credit balances while having the benefit of nice, long interest-free time period. A zero balance transfer credit card means a balance transfer card with 0% introductory APR. A balance transfer fee is an amount you pay when you transfer the balance which is usually a small percentage of the amount that you are about to transfer or a flat rate. The economics of the game is quite simple. You have to transfer the outstanding balance of the credit card to a balance transfer card and pay it off.

Blue Cash Preferred Card from American Express

If you are looking for a card to transfer the balance and use it every day as well then consider this card. You will have the benefit of 6% cash back at U.S. supermarkets, 3% cash back at U.S. gas stations and select department stores but with certain terms and conditions. Ensure that you have budgeted to pay off transfer balances during the intro period itself otherwise, you will have to pay full interest rates. This balance transfer credit card no fee will help to earn cash back even after you have paid off the balance. Even though it does not have a long introductory APR, it compensates that with high rate rewards.

BankAmericard Credit Card

Powered by Bank of America, this card is a steal for anyone who does not want to deal with upfront costs. Within the first 60 days of opening the account, you get a 0% intro transfer fee and only 3% fee for future transfers. Also, the cherry on the cake is the 0% intro APR for 15 billing cycles, 0% balance transfer credit cards and no penalty APR in the event of late payment. It is a great card to choose if you have large or multiple balances to transfer. Derive maximum benefits by paying off the balance within 15 billing cycles. Additionally, you can check your credit score with FICO reporting through online banking or mobile banking app. The costs do decrease when the transfers are large or multiple but the card does not offer any rewards. If you are looking for rewards even if they come with lower fees, then look for Discover it card.

Discover it – 18 Month Balance Transfer Offer

When you want to have your cake and eat it too! Then this best credit card for the balance transfer is exactly what you are looking for. This credit card for balance transfer offers both balance transfer and rewards, with 18 months of 0% APR on balance transfer and high rate rewards such as up to 5% cash back every quarter at different places such as clubs, gas stations or grocery stores up to quarterly maximum each time you activate.

Additionally, it also offers a year and half of 0% interest on balance transfers which is the best in the market! So, not only you get longer than what most other cards are offering you also benefit from its no annual fee. Considering the fact that they have an ongoing APR of 11.99%-23.99% variable, try to pay off as much as possible in intro period. Make sure to keep your account open to check your FICO Credit Score. This card is best for you if you think the rewards and 3% transfer fee is worthwhile. If you would rather want the fee waived and are not interested in earning rewards, then go for Chase Slate.

Chase Slate

Considering the fact that most of the credit cards tend to charge 3-5% transfer fees, you can buy peace of mind when you choose the Chase Slate balance transfer card. To become eligible for the $0 intro fee, make your transfers within 60 days of opening your account. Avail further benefits by paying off as much as possible balance during the intro APR period. It does not allow transfer of the balance from another existing Chase account and does not offer any rewards. This balance transfer card offers respite from high APR and fees so you can get free from the burden of debt as early as possible.

Citi Simplicity card-No Late Fees ever

On offer are 21 months of 0% APR on balance transfers which is nearly two years. This balance transfer card charges a transfer fee of 3% or $5 whichever is higher, this card holder will never have to pay late fees or penalty APR. Even if you miss a payment you will not be charged late fees which are as high as $35 in case of some cards and you do not run the risk of rising APR which continues to apply indefinitely. Though missing a payment is not recommended but it is a nice option to have just in case. A great credit card for balance transfers for those who have difficulty in managing their finances and need more than 15 months to pay off debt.

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Tips for Buying the Best Dog Food

Most of the dogs do not have a food fuss and may eat almost anything that you feed them. Dogs are not choosy at all when it comes to food and nutrition. Hence, it is important to make sure that the food that you are purchasing for your dog is healthy. The landscape of dog food has been developing by leaps and bounds in recent times. There is a wide variety of options to choose from in the online and offline market. Given the wide range of options that are available today, buying the best dog food might seem to be a confusing task indeed. All the commercial pet food that is available in the market today is regulated by the FDA. Therefore, most of the products do contain nutritious, healthy, and safe ingredients. But it does help to know certain basic factors you should look for while buying food for your dog. Prioritize on the nutritional guarantee The best dog food, which meets the dog’s needs adequately has a statement written on the label of the product, from the Association of American Feed Control Officials. Buy from some of the best dog food brands, such as Fromm Family Foods, Earthborn Holistic, Nature’s Variety Instinct, and The Honest Kitchen.

Different Types of Kitchen Cabinets Available for Your Home

The most important aspect when designing your kitchen is deciding on the type of cabinets. In addition to functionality, kitchen cabinets score on aesthetics as well. Once the layout is planned, you can go ahead with choosing the cabinets. If you’re remodeling your home or just the kitchen, what you need to consider are the types of cabinets that furnish your kitchen. Here are a few types of kitchen cabinets that you can choose from. Base cabinets These kitchen cabinets are mounted on the floor and they are placed after checking out the floor plan. A major part of your job in the kitchen is on these base cabinets, which hold and support the countertops. These base cabinets are combined to carve out kitchen islands. A number of base cabinets are fused/set against one another and installed on site. The base cabinets, in addition to supporting the countertops, serve as drawers to hold your cutlery and appliances. Wall cabinets Mounted on the walls, these cabinets can store everything, right from your cookware to cookbooks. In terms of design, they offer utmost flexibility. Wall cabinet kitchen is available in varying heights, multiple widths, and custom depth options. This customization helps you to fit in your stuff of varying shapes and sizes into the wall cabinets.

How to Pick the Right Dog Food for a Sensitive Stomach

In today’s world, where you are presented with over a dozen choices for every item you would purchase for your own kitchen, it is not surprising that you have an equal number of options for your dog’s food. However, choosing the perfect brand and formula for your dog out of a range of options in the market is not an easy job. Your pet depends on you and trusts you to make the right choice for them. Therefore, it is imperative that you do your research about the products available in the market, understand what your dog needs, know what might be your pet’s problems, and then make a sound decision. What is a sensitive stomach? Dogs are known to have voracious and large appetites. Keeping that in mind, it is normal to assume that they have strong stomachs. They can eat close to anything be it sweets, bakes, chewy gum, hard leather or even woolen socks for that matter! It always so happens that the strongest of them are prone to allergies and can develop a disorder which is medically translated as a sensitive stomach. This might be due to a sudden change in the food habits or even due an infection picked up from somewhere.

All You Need to Know about Cat Food

For cat owners, cat food is a hot topic. You need to think about it in different aspects. The best thing is to know which ingredients are good for cat food and which are harmful. If you are aware of this, you can get an idea about the quality of the cat food just by going through the label. It is always sensible to stick to one brand of cat food. However, you may also want to try and prepare cat food yourself. There are also various options for wet cat food as well. Cat’s love for fish is universal, so you can do without going for expensive cat food. Nevertheless, whether you buy it or prepare cat food at home, you need to ensure that the food contains enough nutrition and calories. You would need to have some idea about the ingredients that must be present in cat food and make a worthy selection for your cat. Basic ingredients present in good cat foods Cats need a variety of nutrients to stay healthy and active; they need various vitamins, minerals, fats, proteins, and oils. The following is a brief explanation of the basic ingredients that should be present in cat foods.