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Discover it® Balance Transfer

 

Rated 4.5/5 stars by our editorial team

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3.8/5.0 from 832 Offer Ratings
Over the Past 60 Days!

(832) Over the Past 60 Days!
  • Introductory APR 0% for 18 months on balance transfers & 0% for 6 months on purchases*
  • Rewards Rate Earn 5% cash back at different places each quarter up to the quarterly maximum, when you activate*
  • Ongoing APR 14.24% - 25.24% Variable*
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Discover

Highlights

  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO®
  • Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • See Rates & Fees

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Capital One® Quicksilver® Cash Rewards Credit Card

 

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3.7/5.0 from 5,620 Offer Ratings
Over the Past 60 Days!

(5,620) Over the Past 60 Days!
  • Rewards Rate Unlimited 1.5% Cash Back on every purchase, every day
  • Intro APR 0% for 15 Months on Purchases and Balance Transfers
  • Cash Back Details No minimums for redeeming and cash back won't expire for the life of the account
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 16.24%-26.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 16.24%-26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees

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Citi Rewards+℠ Card

 

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4.5/5.0 from 971 Offer Ratings
Over the Past 60 Days!

(971) Over the Past 60 Days!
  • Intro Purchase APR 0% for 15 months
  • Limited Time Offer 20,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • Regular Purchase APR 15.74% - 25.74% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • Introducing the New Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap
  • Earn 20,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 15.74% - 25.74%, based on your creditworthiness.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • Get 10% Points Back for the first 100,000 ThankYou® Points you redeem per year
  • See additional Citi Rewards+℠ Card details

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Wells Fargo Platinum Visa card

 

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3.8/5.0 from 1,258 Offer Ratings
Over the Past 60 Days!

(1,258) Over the Past 60 Days!
  • Introductory APR 0% for 18 months on purchases and qualifying balance transfers*
  • Low Fees Enjoy $0 Annual Fee
  • Ongoing APR 13.74%-27.24% (Variable)*
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • 0% Intro APR for 18 months on purchases and balance transfers (fees apply), then a 13.74%-27.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa card
  • Easy access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions

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Bank of America® Travel Rewards credit card

 

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4.3/5.0 from 1,230 Offer Ratings
Over the Past 60 Days!

(1,230) Over the Past 60 Days!
  • Bonus Points 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
  • Redeeming Your Points is Easy Any airline, any hotel, anytime. No blackout dates. Redeem points for a statement credit. Points don't expire.
  • Rewards Rate Earn 1.5 points per $1 spent on all purchases
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online or call 800-775-8735
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
  • Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases. After the intro APR ends, 17.24% - 25.24% Variable APR will apply
  • If you’re a Preferred Rewards member, you can earn 25% - 75% more points on every purchase

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Discover it® Cash Back

 

Rated 4.5/5 stars by our editorial team

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3.7/5.0 from 312 Offer Ratings
Over the Past 60 Days!

(312) Over the Past 60 Days!
  • Cashback Match™ Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically*
  • EARN Earn 5% cash back at different places each quarter up to the quarterly maximum, when you activate*
  • Redeem Any amount, any time. Cash back rewards never expire*
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Discover

Highlights

  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • See Rates & Fees

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Capital One® Venture® Rewards Credit Card

 

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3.8/5.0 from 562 Offer Ratings
Over the Past 60 Days!

(562) Over the Past 60 Days!
  • Bonus Miles One-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Rewards Rate 2 Miles per dollar on every purchase, every day
  • Hotel Bonus Rewards Earn unlimited 10x miles on hotels when you pay with your Venture card at hotels.com/venture
  • Annual Fee $0 intro for first year; $95 after that
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Named 'The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that

See additional details for Capital One® Venture® Rewards Credit Card

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BankAmericard® credit card

 

Rated 4.5/5 stars by our editorial team

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3.8/5.0 from 884 Offer Ratings
Over the Past 60 Days!

(884) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days
  • Intro Purchase APR 0% Introductory APR on purchases for 18 billing cycles
  • Regular APR 15.24% - 25.24% Variable APR on purchases and balance transfers
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.24% - 25.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app

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Chase Freedom Unlimited®

 

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3.9/5.0 from 581 Offer Ratings

(581)
  • Introductory APR 0% for 15 months on purchases and balance transfers
  • Sign-up Bonus Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent.
  • Regular APR 17.24 - 25.99% Variable
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • New Offer! Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit JourneySM
  • No annual fee

See additional details for Chase Freedom Unlimited®

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Capital One® VentureOne® Rewards Credit Card

 

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3.7/5.0 from 822 Offer Ratings
Over the Past 60 Days!

(822) Over the Past 60 Days!
  • Rewards Rate 1.25 Miles per dollar on every purchase, every day
  • Intro Purchase APR 0% intro on purchases for 12 months
  • Regular Purchase APR 14.24% - 24.24% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day
  • Earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Transfer your miles to over 12 leading travel loyalty programs
  • Enjoy 0% intro APR on purchases for 12 months; 14.24% - 24.24% variable APR after that
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won't expire for the life of the account and there's no limit to how many you can earn

See additional details for Capital One® VentureOne® Rewards Credit Card

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Capital One® Savor® Cash Rewards Credit Card

 

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3.7/5.0 from 189 Offer Ratings
Over the Past 60 Days!

(189) Over the Past 60 Days!
  • Rewards Rate 4% Cash Back on dining; 4% Cash Back on entertainment; 2% Cash Back at grocery stores; 1% Cash Back on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • Sign-up Bonus Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Cash Back Details No minimums for redeeming and cash back won't expire for the life of the account
  • Annual Fee $0 intro for first year; $95 after that
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • Receive a monthly statement credit for a Postmates Unlimited monthly membership through Dec. 2019 with the Capital One Savor Card
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that

See additional details for Capital One® Savor® Cash Rewards Credit Card

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Discover it® Miles

 

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3.9/5.0 from 593 Offer Ratings
Over the Past 60 Days!

(593) Over the Past 60 Days!
  • Bonus Miles We'll match all the Miles you've earned at the end of your first year.*
  • Rewards Rate 1.5 Miles per $1 Spent*
  • Redeeming is Easy Redeem your Miles as a statement credit towards travel purchases*
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Discover

Highlights

  • INTRO OFFER: Discover will match ALL the Miles you’ve earned at the end of your first year, automatically. For example, if you earn 35,000 Miles, you get 70,000 Miles. That’s $700 towards travel!
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO®
  • Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • See Rates & Fees

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Bank of America® Cash Rewards credit card

 

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4.4/5.0 from 639 Offer Ratings
Over the Past 60 Days!

(639) Over the Past 60 Days!
  • Bonus Cash $200 online cash rewards bonus after you make at least $1000 on purchases in the first 90 days of account opening
  • Rewards Rate 3% cash back in your choice category & 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Unlimited 1% on all other purchases
  • Reward Terms You can update your choice category for future purchases once each calendar month using the Mobile banking app or Online banking, or do nothing and it stays the same.
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • No annual fee
  • $200 online cash rewards bonus after you make at least $1000 in purchases in the first 90 days of account opening
  • NEW OFFER: Maximize your cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings
  • Now earn 3% cash back in your choice category and 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), and unlimited 1% on all other purchases
  • You can update your choice category for future purchases once each calendar month using the Mobile Banking app or Online Banking, or do nothing and it stays the same
  • No expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to balance transfers
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase

See additional details for Bank of America® Cash Rewards credit card

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Wells Fargo Cash Wise Visa® Card – $200 Cash Rewards Bonus

 

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3.7/5.0 from 121 Offer Ratings
Over the Past 60 Days!

(121) Over the Past 60 Days!
  • Rewards Rate Unlimited 1.5% Cash Back*
  • Sign Up Bonus Earn $200 cash rewards bonus*
  • Mobile Wallet Rate Enjoy 1.8% cash rewards with Apple Pay® or Google Pay™, during the first 12 months*
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Google Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 16.24%-28.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions

See additional details for Wells Fargo Cash Wise Visa® Card – $200 Cash Rewards Bonus

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HSBC Gold Mastercard® credit card

 

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3.9/5.0 from 581 Offer Ratings
Over the Past 60 Days!

(581) Over the Past 60 Days!
  • Intro Purchase APR 0% for 15 months
  • Intro Balance Transfer APR 0% for 15 months
  • Rates and Fees No annual fee, no foreign transaction fee, and no penalty APR
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • 0% Intro APR on purchases and balance transfers for the first 15 months from account opening. Then a variable APR of 14.24%, 20.24% or 25.24% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • See Rates & Fees

See additional details for HSBC Gold Mastercard® credit card

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Editorial Note: Any opinions, analysis, reviews, or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any card issuer.

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Picture of Tom Bold

By: | Dec 17, 2015

What is the easiest credit card to get when one has no or little credit or score ? What banks offer credit starter card programs ?

1 Reply

By: CompareCards | Dec 17, 2015

Hi Tom,

If you have no credit score, then you'll probably have to start with a secured credit card. A secured card works just like a normal credit card, but you'll have to put down a refundable security deposit to get approved. The Capital One Secured MasterCard and the Discover it® Secured are both great options.

Picture of Nancy Crumbacker

By: | Dec 16, 2015

what card offers no fee transfer balances now? with excellent fico score.

1 Reply

By: CompareCards | Dec 17, 2015

Hi Nancy,

You're best option for a fee-free balance transfer is going to be the Chase Slate card. This card offers 0% intro APR on balance transfer and purchases for the first 15 months, and it's the only card available that will have the balance transfer fee for transfers made within the first 60 days. If you have excellent credit, you shouldn't have any problem getting approved!

Picture of Dave Towns

By: | Dec 14, 2015

when I was still married but separated from my now ex wife she without my consent received 5-6 credit cards in my name,and maxed them all out--they were well over $30,000.00 and I moved away from the state of new York to north Carolina,.and you folks were willing to take a chance on me with a new card with a 300.00 max credit that has been paid on time without and late charges..my question to you is can I get this new deal with zero percent for 15 months?

1 Reply

By: CompareCards | Dec 15, 2015

Hi Dave,

There are a number of credit cards that offer 0% APR for 15 months on both balance transfers and purchases, but you typically need good credit to get approved. If you think you're credit score is at least in the mid 600s, it's worth applying for the Chase Slate card to see if you can get approved.

Picture of Tanika Norful-Cunningham

By: | Dec 13, 2015

What is credit limit on this Amex Every Day card?

1 Reply

By: CompareCards | Dec 15, 2015

Hi Tanika,

The credit limit for any credit card will depend on the applicant's credit worthiness. Generally speaking, the higher your credit score is, the higher line of credit you will get approved for.

Picture of Rickie Brandenburg

By: | Dec 13, 2015

wheres the credit cards for people who have bad credit .seems like they don't trust people

2 Replies

By: CompareCards | Dec 15, 2015

Hi Rickie,

We have an entire page dedicated to credit cards for bad credit. Follow the link to check it out!

Typically, consumers with bad credit will have to start with a secured credit card. Secured cards work just like a normal credit card, but they require a refundable security deposit to get approved. I'd recommend trying the Capital One Secured MasterCard first.

By: David Tunney | Dec 18, 2015

I started with Credit One, Blaze, and Merrick Credit one charges a fee to start but to build credit it is worth it. After 2 years I now have AMEX Gold and several others after losing everything.

Picture of Gerard Angrand Jr

By: | Dec 12, 2015

capital one has a good credit tracker program, it gives you your credit score when you get a credit card or have an account with them.

Picture of Karel Cindrich

By: | Dec 11, 2015

I have 2 cards and a collection debt, not mine but I'm paying for my daughter, that I would like to transfer to 1 card with a payment slightly lower than what the 3 combined are. My dilemma is, they amount to about $4000. Credit score is in the mid to upper 600's. Do I have a chance? I was comparing the 2 Capital One cards. Would they discuss this type of option with me for consideration? I pay on time.

Picture of Melanie Brooks

By: | Dec 10, 2015

To be honest my credit score is way down. I have been on workman comp for two years now and in hopes in will be back to work by March of 2016. Workman comp were negligent and for the first 7months I went without any funds whatsoever, therefore it went downhill from there. I would like to build it back up and have a credit card to reestablish and work on ways to get this good once again. Please reply! Thank you!

1 Reply

By: Mark Ross | Dec 10, 2015

Get a secured card from bank America. Capital one has a card for those looking to reestablish credit. Good Luck!

Picture of Chuck Hoover

By: | Dec 10, 2015

The best offer for airline tickets Ive found is Southwest gives you 50,000 points if you charge 2,000 in 3 months. I flew 4 people round trip from Buffalo,Ny to Orlando and back for 48,000 points . There is a 99 annual fee.So I canceled it after flights were booked.

Picture of Mike Trottier

By: | Dec 9, 2015

I owe about $16,000 on one credit card. I'd like to pay as much off as I can in the next 18 months......any ideas????

2 Replies

By: CompareCards | Dec 9, 2015

Hi Mike,

If you have excellent credit, your best option will probably be the Citi Simplicity. This card offers 0% APR for the first 21 months on balance transfers, although there is a 3% balance transfer fee. The Chase Slate card is also a great option because it has no balance transfer fee, and you may be able to get approved if your credit is good, but not quite excellent. This card offers 0% APR for 15 months on balance transfers.

There is no guarantee that you'll get approved for a credit line as high as $16,000; that will also depend on your creditworthiness. However, I would recommend using one of these credit cards to transfer as much as you are allowed, even if it is not the full $16,000. You will still save a lot of money on interest by transferring a portion of your debt to a 0% APR credit card.

By: Marius Poderys | Dec 13, 2015

Let’s make a plan that might inspire you, and you can adjust it to suit your situation. Let’s go for a plan to pay off the $16,000.00 in two years. Now keep in mind that there are credit cards that will give you 0% interest for 18 months for a balance transfer. Transfer the $16,000 to this card. 2 years is 24 months. Divide 24 into 16,000 and get a rough monthly payment of $667 per month. Subtract your payments that you are making toward your $16,000 currently on your existing credit card. Don’t know your current interest rate so let’s say it’s 14% and based on a 6 year credit card term. That’s about $330 per month which means that you will pay out $23760 over 6 years to pay that credit card at a payment schedule of $330. So you will need to add about $337 per month to the $330 to get to $667. Either plan from your current salary to add the $337 or get a part time job to add the $337. Actually it shouldn’t be that hard to get a part time job that would add $700 a month to your income. Change this plan to accommodate your ability to make the credit card payments. The Citi Diamond preferred credit card offers 0% for 21 months. I assume that you can qualify for a new $16000 amount credit card that the bank will provide. I assume you might be willing to get a second part-time job to pay off this loan. Good Luck!

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