Pay off credit card debt without consolidating

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There is a 3% balance transfer fee, but those 6 extra months might make it worthwhile.

Slate’s chip-enabled card makes it easy to travel internationally, but there is a 3% foreign transaction fee for each purchase you make.

Plus, Slate has no annual fee and a fairly low ongoing APR after the 0% intro APR period which is important if you plan to carry a balance after the 15 months are up.However, if you think you might be carrying your balance for a prolonged time, Barclaycard Ring Mastercard might be a better solution for you.It doesn’t have a 0% intro APR period, but features no balance transfer fee, no annual fee and a one of the lowest ongoing APRs we’ve ever seen – 8.25%.For example, if you’re transferring ,000 you’d probably pay 0 in fees with other cards.With Slate you pay absolutely nothing to transfer your money, and you have 15 interest-free months to make payments against the balance, which can give you even bigger savings.

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