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Again, this assumes that the balance transfer is the only balance on the account. Balance transfer credit cards usually charge a fee that is a fixed percentage of the amount you transfer. Discover offers a variety of low intro APR balance transfer credit card offers.

All Discover Cards have no annual fee. See if you're pre-approved before you apply. View all Discover credit cards. See rates, rewards and other info. Legal Disclaimer: This site is for educational purposes and is not a substitute for professional advice. The material on this site is not intended to provide legal, investment, or financial advice and does not indicate the availability of any Discover product or service.

It does not guarantee that Discover offers or endorses a product or service. For specific advice about your unique circumstances, you may wish to consult a qualified professional.

Last Updated: March 23, Getting a credit card. Important information. Next steps. Pre-approved See if you're pre-approved before you apply. View all Discover credit cards See rates, rewards and other info. You may also be interested in.

Share article. A balance transfer credit card can help you pay off your debt by transferring existing card balances to a new credit card with a 0 percent intro APR period. During that time, you have the chance to pay off the principal without paying interest. When the intro APR period ends , interest will apply to any remaining balance at the end of each billing cycle like a regular credit card. Want to learn more? Read our full guide on how balance transfer credit cards work.

A balance transfer fee compensates a lender for taking the risk of issuing a temporary interest-free loan. According to The Federal Reserve , about half of all credit card users carry a month-to-month balance.

If you find yourself among this group and your current card has a high interest rate, a balance transfer credit card with an introductory 0 percent APR offer can help you address some key financial issues and save a bit on interest. A balance transfer card is worth considering for the following people:. If you want to pay down credit card debt and avoid added interest costs, a solid balance transfer card may work well for you.

Debt can be expensive, especially credit card debt. As of August 17, , Bankrate estimates the current average interest rate on credit cards at The best balance transfer credit cards come with 0 percent APR intro offers that provide a to month window to pay off balances.

If you like to keep all your ducks in one place, consider transferring multiple balances to one balance transfer credit card. The best credit cards for balance transfers share several key features. To choose a balance transfer credit card that fits your unique financial situation, consider the following three questions:.

Like any other credit card application, a balance transfer card application will result in either approval or denial. Some of the best balance transfer cards offer general benefits to cardholders, such as extended warranties on purchases and identity theft protection services, as well as rewards programs that can help offset interest payments or provide additional discounts or savings on purchases.

If you want to use your card for daily purchases like gas or groceries , you may be able to earn points or miles that may be redeemed for gift cards, statement credits or more. The main things to know are:. If you have questions at any point in the process, contact a customer service representative for help.

Although any temporary break from credit card APR is beneficial, a longer intro offer will give you the best opportunity to avoid interest as you pay off your transferred balance. The chart below shows the top three cards with the longest intro APR offers. Here are a few options to consider:. Bankrate writers and editors have evaluated dozens of options to determine which cards are most likely to help you achieve your financial goals with a balance transfer.

In this category, our 5-star scoring system pays particular attention to the essential features of a balance transfer credit card, including:. The best balance transfer credit cards will charge a low fee on transferred balances, or even no fee at all. If you have an excellent credit score, consider asking to have the fee lowered or waived. If you want to do a balance transfer with a specific bank or card issuer, Bankrate has detailed guides from the following financial companies:.

Want to know more about transferring balances to a credit card? Have more questions for our credit cards editors? Feel free to send us an email , find us on Facebook , or Tweet us Bankrate. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty.

After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer. The information, including card rates and fees, is accurate as of the publish date.

All products or services are presented without warranty. The offers that appear on this site are from companies from which Bankrate. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories.

Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. Pros and cons Who should get a balance transfer credit card? How to choose the right card for you Alternatives to a balance transfer card Balance transfer guides by issuer Why we chose our featured cards Frequently asked questions.

Best for long intro APR period on purchases and balance transfers U. Apply now On U. Bank's secure site. Add to compare. Balance transfer intro APR. Purchase intro APR. Regular APR. Rewards rate. Recommended credit. Good to Excellent - Credit score.

Bankrate's View The U. Pros The intro APR offer applies to both balance transfers and purchases, making financing big ticket items more feasible. The card does not charge an annual fee. Cons There are no base rewards or welcome offers associated with the card. Card details Limited Time Offer! After that, a variable APR currently Certain terms, conditions, and exclusions apply. Terms and conditions apply.

Apply now On Wells Fargo's secure site. Bankrate's View Used correctly, this card from Wells Fargo boasts the longest intro APR on purchases and qualified balance transfers on the market: months from account opening at 0 percent interest then Pros The lengthy promotional APR extends to purchases and qualified balance transfers. The card has limited long-term value due to its lack of a traditional rewards program.

Intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods. An easy way to earn cash back while you shop, dine or enjoy an experience simply by using your Wells Fargo credit card. Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants.

Apply now On Citi's secure site. Pros This card offers a fairly long intro APR period on purchases and balance transfers. There is no annual fee, which is a plus when looking to focus on paying down transferred balances. This card charges a penalty APR of up to After that the variable APR will be Balance transfers must be completed within 4 months of account opening.

Apply now On Discover's secure site. There is a short introductory APR on purchases: 0 percent for six months, then Cons There are a few cards that offer longer introductory APRs on balance transfers. The rewards program is a bit complex and could prove distracting for people who prefer to focus on paying down debts.

Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Discover helps remove your personal information from select people-search websites. Activate by mobile app for free. No annual fee. Click "Apply Now" to see terms and conditions. Apply now On American Express's secure site. Bankrate's View Along with its solid intro APR offers, this card carries some of the best everyday cash back rates you can get on a no-annual-fee card.

It offers terrific ongoing value even after its intro APR period comes to an end thanks to its generous rewards rate not only at U. Its intro APR period is six months shorter than the longest offers available.

No Annual Fee. Balance Transfer is back! After that, Enrollment required. Terms Apply. Apply now On Capital One's secure site. Pros The welcome offer on this card is easily attainable. One of your redemption options can be on purchases at Amazon.

Cons You could earn more rewards with other flat-rate or bonus category cash back cards. There are longer balance transfer and purchase offers on the market.

 

Zero percent apr balance transfer.13 Best Balance Transfer & 0% APR Credit Cards of August - NerdWallet



 

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Credit Cards Credit Card Basics. Part of. By LaToya Irby. LaToya Irby is a credit expert who has been covering credit and debt management for The Balance for more than a dozen years. It may not help you get out of debt quicker, but it can delay any adverse effects to your overall credit profile. This may help you feel more in control of your financial situation and can help you prioritize your spending. This takes time, but there are tools, like Experian Boost , that may help you nudge your score up enough within a few months that you become eligible for a better offer on a balance transfer card.

If a thin or recovering credit profile is keeping you from qualifying for the best offers, you may have a better chance of getting a loan with a cosigner. Typically, payments via check, electronic bank transfer or money order are the only acceptable methods of payment.

But a balance transfer credit card is the exception to that rule. Every new line of credit can ding your score. But, if you have a plan to use a balance transfer to help you pay down your debt more quickly than you could without doing a transfer, in the long run, your overall debt load will be lower and that will in turn have a positive impact on your credit score.

Balance transfer business credit cards function in the same way as personal balance transfer cards. Before making a transfer from one business credit card to another, be sure to consider the terms of the offer, how long any introductory APR offer will last as well as any balance transfer fees you may incur.

So a late or missed payment on a balance transfer business card will affect your credit standing. Yes, but the limit is determined by the issuing bank and your creditworthiness. Also remember that any balance transfer fees will count toward your limit and have to be factored in when doing a transfer. Robin Saks Frankel is a credit cards and personal finance writer for Forbes Advisor.

Previously, she covered credit cards and related content at other national web publications including NerdWallet, Bankrate and HerMoney. Follow her on Twitter at robinsaks.

Select Region. United States. United Kingdom. Robin Saks Frankel. Reviewed By. Editorial Note: We earn a commission from partner links on Forbes Advisor.

Commissions do not affect our editors' opinions or evaluations. Read more. Balance Transfer Credit Cards. Click Here To Apply Now. Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.

Regular APR Credit Score Excellent, Good - Why We Picked It. No rewards program or welcome bonus Balance transfer fee Foreign transaction fee. Intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods. An easy way to earn cash back while you shop, dine or enjoy an experience simply by using your Wells Fargo credit card.

Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed. Honorable Mention U. Apply Now On U. Bank's Website.

No Rewards The U. Balance transfer fee applies No rewards program No welcome bonus Foreign transaction fee. Limited Time Offer! After that, a variable APR currently Certain terms, conditions, and exclusions apply. Terms and conditions apply.

Menu Menu. United States Change Country. View all FAQs. Help Log In. Investment Management Financial Planning. Business Checking Business Line of Credit.

How do I find and add Amex Offers to my Card? Read our full Citi Simplicity review. The Wells Fargo Active Cash Card offers the opportunity to earn one of the highest cash rewards rates available on eligible purchases—no category restrictions or limits. Our advice is to use the balance transfer offer to pay debt and then put the card to use as a rewards earning machine.

Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options Earn unlimited 1. This card offers a slew of appealing features, including flexible travel miles, no annual fee and a modest balance transfer offer. The Citi Custom Cash Card combines balance transfer offers and generous rewards. Read our full Citi Custom Cash Card review. Bank Visa Platinum Card review or jump back to offer details.

Learn more: U. Bank Visa Platinum benefits guide. Read our full Wells Fargo Reflect Card review or jump back to offer details. Read our full Citi Diamond Preferred Card review or jump back to offer details. Learn more: Is the Discover it Balance Transfer card worth it? Read our full Discover it Balance Transfer review or jump back to offer details.

Read our full BankAmericard credit card review. Read our full Citi Double Cash Card review or jump back to offer details. Learn more: Citi Simplicity card benefits guide. Read our full Citi Simplicity Card review or jump back to offer details. Learn more: Capital One VentureOne rewards card benefits guide. Learn more: Is the Citi Custom Cash worth it? Read our full Citi Custom Cash Card review or jump back to offer details.

A balance transfer credit card can help you pay off your debt by transferring existing card balances to a new credit card with a 0 percent intro APR period. During that time, you have the chance to pay off the principal without paying interest.

When the intro APR period ends , interest will apply to any remaining balance at the end of each billing cycle like a regular credit card. Want to learn more? Read our full guide on how balance transfer credit cards work.

A balance transfer fee compensates a lender for taking the risk of issuing a temporary interest-free loan. According to The Federal Reserve , about half of all credit card users carry a month-to-month balance.

If you find yourself among this group and your current card has a high interest rate, a balance transfer credit card with an introductory 0 percent APR offer can help you address some key financial issues and save a bit on interest.

A balance transfer card is worth considering for the following people:. If you want to pay down credit card debt and avoid added interest costs, a solid balance transfer card may work well for you. Debt can be expensive, especially credit card debt. As of August 17, , Bankrate estimates the current average interest rate on credit cards at The best balance transfer credit cards come with 0 percent APR intro offers that provide a to month window to pay off balances.

If you like to keep all your ducks in one place, consider transferring multiple balances to one balance transfer credit card.

The best credit cards for balance transfers share several key features. To choose a balance transfer credit card that fits your unique financial situation, consider the following three questions:. Like any other credit card application, a balance transfer card application will result in either approval or denial.

Some of the best balance transfer cards offer general benefits to cardholders, such as extended warranties on purchases and identity theft protection services, as well as rewards programs that can help offset interest payments or provide additional discounts or savings on purchases. If you want to use your card for daily purchases like gas or groceries , you may be able to earn points or miles that may be redeemed for gift cards, statement credits or more.

The main things to know are:. If you have questions at any point in the process, contact a customer service representative for help. Although any temporary break from credit card APR is beneficial, a longer intro offer will give you the best opportunity to avoid interest as you pay off your transferred balance.

The chart below shows the top three cards with the longest intro APR offers. Here are a few options to consider:. Bankrate writers and editors have evaluated dozens of options to determine which cards are most likely to help you achieve your financial goals with a balance transfer.

In this category, our 5-star scoring system pays particular attention to the essential features of a balance transfer credit card, including:. The best balance transfer credit cards will charge a low fee on transferred balances, or even no fee at all.

   


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For more information, see Resolve known issues in Technical Communication Suite. For information on publishing responsive projects, see publishing responsive projects. If you have used Typekit fonts in your project, a pop-up appears that confirms that there are Typekit fonts in the project. To view the project assets, navigate to the specified folder, and you can see the following assets:. You can view the Interactions in the project only when you view the HTML5 output hosted on a web server.

Interactions are not visible when you view the published output locally on your computer. For more information, see Publish projects to Adobe Connect available only in the update for subscription and Adobe Software Assurance customers. From Adobe Captivate 8.

Publishing to Devices app menu item is integrated in Captivate. Follow the steps below:. Mention the version number, name of the app and the Package name for the app. While mentioning the package name, ensure that you give unique package name otherwise the existing project is replaced.

Click More to choose your personal publishing preferences for the app, like geolocation, gestures, and accessibility. Click Next to provide the required certificate information for your app. You can choose iOS or Android or both by clicking the check boxes adjacent to them and provide certificate information corresponding to each platform.

Adobe Captivate uses the PhoneGap service at the backend to build the app. After the app is built, you are prompted to download the app as shown in the snapshot. Once you click the download, you can see PhoneGap site. If you want to compile your eLearning course as an iOS application, you need to be registered as an Apple developer and pay the annual Apple Developer fee. This will give you access to the Apple Developer website where you will be able to access your Apple signing certificate.

Certificates and authentication keys are essential for users to enable security for their accounts and prevent any unauthorized access. After you log in with PhoneGap user ID and password, click Next in Publish window, and provide certificate info in the dialog as shown below:. AppleKey title in the above snapshot represents the certificate name that you uploaded in PhoneGap build. Your certificates are populated in the Title drop-down after you upload them in PhoneGap build website.

Similarly, the keys you uploaded to PhoneGap build appear in Title drop-down. You can continue to publish even if you do not have keys for Android by choosing No key selected option. When you delete or modify such objects in the project, the tracker too is updated.

Scenario 2: Two or more objects are assigned with audio and appear simultaneously in the Timeline. Case 1: Object 1 has audio for seconds and Object 2 has audio for seconds. Object 2 is lower in the z-order of the Timeline. Audio of Object 2 is played for 8 seconds and then Adobe Captivate checks if there is any other audio at that point 8th second in the Timeline.

In this case, there is no audio to be played at the 8th second. Therefore, audio of Object 1 is not played. Audio of object 1 is played for 4 seconds. A check at 4th second indicates that the audio of object is for 4 more seconds. So, the audio of second object is played from the beginning. Case 1: Object Audio is present from seconds and Slide Audio is present at the same time. Case 2: Object Audio is present from seconds and slide audio is present at the same time.

Object Audio is played for 4 seconds, then slide audio for 8 seconds, then the remaining slide duration background audio is played. For example, consider that two videos are present on a single slide with the following durations on the timeline:. Video that is lower in the z-order is played first. For example, consider that Video1 is present on a slide from seconds and Video2 is also present on the same slide from seconds.

When Video 2 is present lower in the z-order, Video 2 is played for 12 seconds and the Video1 is never played. When Video1 is present lower in the z-order, Video1 is played for 8 seconds and then Video2 is played until the slide duration.

To learn more about Captivate and how you can create engaging learning content, download the following projects:. Legal Notices Online Privacy Policy. User Guide Cancel. Get update now! Asset Panel not loading in Adobe Captivate release? Read More to find a solution.

On the window, click Next. If the project is responsive, you can see the following dialog:. If the project is blank or non-responsive, you can see the following dialog:. To publish the project, click Publish.

After publishing, do the following:. Publishing projects as apps to devices. Choose Publish for Devices App from Publish menu.

Note: You can follow the same steps in responsive and non-responsive projects. A dialog appears as follows:. Refer to Create certificates and generate key section for more information. Click Publish to publish the output as apps for devices. Create certificates and generate key.

Create certificates for iOS Refer to the apple developer support site and create an app developer certificate. Refer to the instructions on the PhoneGap build site to convert the certificates into supported P12 format and upload the certificates. Generate keys for Android Refer to the instructions on the PhoneGap build site to generate and upload keys to PhoneGap build. If you remove preferences of Adobe Captivate, then you have to create certificates again.

Unsupported objects in HTML5 output. The following objects and slides are not published in the HTML5 output:. Text and SWF animations only the first frame is visible. Mouse click animations only one default click effect is supported. Slide transitions. Slide background if a SWF file is used.

Audio attached to invisible objects. HTML5 output is supported only on the following browsers:. Internet Explorer 9 or later Safari 5. Best practices for creating Adobe Captivate projects for iPads.

Use the recommended project resolutions presets for iPad. Avoid overlapping audio in the project. If at all you need overlapping audio, read the article Adobe Captivate audio for iPad. In general, do not have too many overlapping media especially very short ones for movies that have to run on IOS devices.

Disable button click sound as it may lead to unexpected behavior on iPad occasionally. Adobe Captivate audio for iPad. Avoid using overlapping audio in your projects if they are to be used extensively on iPads. If you use overlapping audio, the preferences to different types of audio are as follows:. Scenario 1: Different types of audio triggered at the same time.

On iOS 6, however, multiple audio clips can be played simultaneously. Audio of the object lower in the z-order of the timeline is played first. Case 2: Object 1 is lower in the z-order. Scenario 3: Object audio, slide audio, and background audio on a single slide.

Adobe Captivate video on iPads. Avoid using overlapping video if your project is to be extensively used on iPads. Scenario 1: Two or more videos on the same slide with different durations. Videos are played one after the other based on their order in the Timeline. Slide Video will be played for 8 seconds and then Event Video. Scenario 2: When two videos start at the same time. Download sample projects. More like this Publish quiz to internal server Integrating Typekit font in your Captivate project Make your Captivate projects consistent across devices using Typekit Publishing and sharing Captivate projects How to publish a Captivate project as an Android app?

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