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Balance Transfer Credit Cards

If you’re interested in a balance transfer credit card, you’ve made a good decision. Balance Transfer credit cards have become some of the most popular and best-known in the industry. It may surprise you to learn that, even though Balance Transfer was only established in 1995, they became a Fortune 500 company in under a decade! Balance Transfer offers a variety of financial services that all have one thing in common—exceptional customer service and satisfaction.

The tremendous selection of Balance Transfer credit cards available is one of the driving factors behind their popularity. Whatever you’re looking for in a card, you will be able to find a card that meets your needs (and probably even exceeds them) with Balance Transfer. Balance Transfer credit cards include cards for small businesses, travel and merchandise rewards cards, cash-back rewards cards, low APR cards, points cards, and prepaid cards. Balance Transfer also understands that not everybody has perfect credit, so their credit card offerings also include cards for people with average or below-average credit.

On this site, you’ll find information on Balance Transfer credit cards and how to decide which one is right for you. We’ll also give you important information on credit protection to help you safeguard your good name. We also want to make sure you know that your privacy is truly respected. So what are you waiting for? Get your Balance Transfer credit card application process started today!

Ultra VX Visa® Card
Annual fee: $0
Application fee: $29.95
Participation fee: $83.40 ($6.95 monthly)
Rating: 5.00
Regular APR:
The Ultra VX Visa® Card, issued by New Millennium Bank, is a stored value card designed for those who are looking for an above average secured card that also offers a reward program. Most often, secured credit cards do not have any additional perks or benefits; however, this card does provide a rewards program. Cardholders receive one point per dollar spent on purchases. Points can be redeemed for travel rewards with Southwest Airlines, American Airlines, jetBlue, Marriott, and more. Although there is no annual fee, there is an account set up fee of $29.95. There is also a monthly participation fee of $6.95 that amounts to $83.40 annually. In total, cardholders can expect to pay $113.35 in fees during their first year. The most unique feature of the card is the Credit-On-Demand™ option. Credit-On-Demand™ allows cardholders to increase their credit limit up to $25,000. Through the Credit-On-Demand™ feature cardholders are able to determine their credit limit by the amount of funds that are deposited into the cash balance of the account. Funds deposited into the cash balance of the cardholder account can be moved to the secured balance by making a purchase or moving the money to the secured balance. Advance payments can also be funded directly from the cardholder's paycheck or cardholders can load the card in person at 100,000 retail transfers. Therefore, those who are looking for an above average secured card that also offers a reward program and would like a card with limited fees may find the Ultra VX Visa® Card to be a beneficial option.
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Know how to dispute errors on your statements.

If you find an error, put everything pertaining to the dispute in writing and keep a copy for your records. Dispute any errors you find within 60 days of the first bill that contains the error. You will not be responsible for paying the disputed charge while the investigation is underway. Your creditor must acknowledge your letter of dispute within 30 days and must correct or explain the discrepancy within two billing cycles. Before disputing purchases, try to resolve the issue with the merchant first.
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