 TITLE: All You Need to Know About Balance Transfer Credit Cards CONTENT: How to Get a Balance Transfer Credit Card\n-----------------------------------------\nWhen shopping for a balance transfer credit card, first evaluate your credit score to determine whether you're likely to qualify. Then take a look at each balance transfer credit card's features, including its:\n*   **Introductory balance transfer APR**: How much you'll pay on transferred balances during the promotional period (ideally 0%).\n*   **Length of promotional period**: How many months you'll have to pay down balances at 0% APR, and whether you need to transfer balances within a certain time frame.\n*   **Introductory purchase APR**: How much you'll pay on new purchases you make with the card, if there's an introductory rate.\n*   **Ongoing, or standard, APR**: How much you'll pay on transferred balances and purchases after the promotional period is over.\n*   **Fees**: How much the card charges in balance transfer fees, annual fees, late fees and foreign transaction fees if you're a frequent traveler.\n*   **Additional perks**: Some balance transfer cards offer cash back rewards, but tread lightly during the promotional period—that may entice you to spend, when your goal should be to get rid of debt. END