4.4
/5
Key Details
APR14.99% – 23.99%
Annual Fee$0
RewardsNone
Welcome Bonus0% APR for 21 months on balance transfers
Credit NeededGood (670+)
Intro APR0% for 21 months on balance transfers
Balance TransferYes — 3% fee
Foreign Txn Fee3%
KrediQ Analysis
The Balance Shield is a pure debt-payoff tool — it doesn't pretend to be anything else. The 21-month 0% intro APR on balance transfers is the longest on the market, giving you nearly two years to eliminate high-interest credit card debt without a cent in interest charges. At a 3% balance transfer fee, moving a $10,000 balance costs $300 upfront but saves you $2,000-$4,000 in interest compared to carrying it on a typical 20% APR card. There are no rewards, no perks, no bells — just the most aggressive interest-free window available. After 21 months, the regular APR kicks in (14.99%-23.99%), so you must have a payoff plan. This card has saved KrediQ users an estimated $3.2M in interest charges.
Pros
- 21-month 0% intro APR
- No annual fee
- 3% balance transfer fee (low)
- FDIC insured
Cons
- No rewards program
- Requires good credit
- No purchase intro APR
- 3% foreign transaction fee
Alternatives