An example of this is the Aspire Visa Gold credit card which charges an annual fee of $150, a monthly fee that adds up to $78 per year and a $29.

Card selection for aspire visa credit card balance transfer is maintained and reviewed by our panel editors.

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.

Only use a portion of your available credit, 20 to 25%.

Chase's Platinum Visa Card charges a 3-percent balance transfer fee, also capped at $75.