This means if your low rate credit card has an introductory 0% balance transfer APR and you are carrying a monthly balance on purchases, then your payments will reduce the 0% balance transfer first while you continue paying interest on purchases—the resulting APR is called your effective rate and it is normally much higher than the balance transfer APR.

Card selection for 0 balance transfer blue sky credit card is maintained and reviewed by our panel editors.

So they will transfer you and put you on hold until you are blue in the face.

Is there an annual or monthly fee?

All new American Express Blue and Blue Cash cards now come equipped with the contactless feature.