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.

It was featured as the cover story in the May issue.

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