The Best Credit Card to Help You Get Out of Debt

(Prior to reading this article, I want my readers to know this article is based solely on my opinion and that I am NOT being paid or persuaded to endorse this specific card.)

A lot of bloggers are reluctant to pick one thing and say it’s the “best”. Often times they say, “Here are three good options, and you should go and choose one.” Well I am going to buck that trend today.

No more will you read about options that are confusing.  If you want an answer about what is the best credit card for you, read on and I will tell you.

The Best Credit Card to Get Out of Debt

My friend Amy came to me the other day and said:

“I have X amount of debt. My credit card sucks, and I want to do a 0% balance transfer.  You’re my money friend, what do you recommend?”

I could have come back to Amy with a host of recommendations.  I could have sent her to a number of credit card finding sites (BankRate, etc.). However, this wasn’t going to get her motivated.  She didn’t want to do more research. She wanted the answer – which card to apply for.

Well Amy, my opinion on the BEST credit card out there to help you get out of debt is the CitiForward.

  • CitiForward CardThe card doesn’t require excellent credit (only requires good credit)
  • The card has 0% balance transfers for the first six months
  • The card has a decent APR that will be reduced by 2% after 3 months of paying your bill on time (but who cares about APR after you get out of debt, right!)
  • The card offers reward points at a decent clip
  • The card also offers a few bonus reward point offers for just using the card at a modest frequency

Most cards that offer 0% balance transfers, fail to offer reward points.  That is why I recommended this card to Amy and that is why I am saying it is the best credit card out there at the moment.  This is a card that has features she should be happy with for years, not just the next six months as she pays off that remaining debt.

From experience, I know credit card shopping can be a pain in the ass.  It took me 3 months to settle on my own credit card (not the card I recommend above).

For those looking for a credit card that helps their situation but don’t know which to choose stop wasting time deliberating and get the card I recommend.  It will likely get you on track to your goals.  (If you want to read more about this card, check out a solid review of it here at The Digerati Life)

20 Responses to The Best Credit Card to Help You Get Out of Debt
  1. Matt SF
    December 7, 2009 | 9:10 am

    I think that’s a solid choice. Can’t beat a 0% APR since you’re getting the 1 to 1 dollar re-payment plan.

  2. Credit Card Chaser
    December 7, 2009 | 5:47 pm

    That is a very good choice although I personally would prefer the Discover More card in that situation.

  3. Financial Samurai
    December 7, 2009 | 10:09 pm

    Amy – My advice to you is to just keep your credit card, and pay it off. Doing a balance transfer is only a temporary fix.

    Advising you to get another card when you already have trouble paying your debt is like advising a recovering alcoholic to go bar-hopping with me.

    Be strong! Address the real problem (your spending habit), and not blame it on a “sucky” credit card!

    Best, Sam

  4. Brian
    December 12, 2009 | 6:27 am

    @Matt – yeah… this card is a beast when it comes to features.

    @CCC – i like a lot of Discover’s products, but since they aren’t taken everywhere, i had to shy away from them. Same with Amex.

    @FS – Luckily she has already curbed the habit, and is paying off the debt, but her featureless, rewardless, and high APR card isn’t helping the situation. Definitely glad she isn’t one to blame the debt on a “crappy” credit card.

  5. These may indicate you do not require as much capacity in your air conditioner as you previously had.
    With this in mind you should refuse a repair that is higher than $275 that can be done “right now”.
    Don’t fret as there is no dearth of contractors that you can pick on.

  6. Wilburn
    July 22, 2013 | 2:08 am

    I just prized your individual web and then information.

    You must be fantastic.
    Many thanks meant for creating the and that i want to learn even
    more away you the next day.
    Special positioning hanging on to website certain and so high-quality
    without the need for all of the fakes.

    Do i get concepts for the purpose of mine blog page to
    have this free of spam?
    As well as creative ideas teaching how to prepare with the help of delightful
    top quality much like your own?
    Sorry for my uk :) it really possibly not the best indigenous phrases,
    wish that you can expect to know precisely

  7. Annmarie
    September 19, 2014 | 10:40 pm

    What’s up to all, the contents existing at this website are actually remarkable for people
    experience, well, keep up the good work fellows.

  8. 審査の甘いクレジットカード
    September 5, 2016 | 5:02 am

    こんにちわ

    私はクレジットカードの審査の方法についてのサイトを運営しています。誰もが知りたいクレジットカード審査通過の最低基準とは?、信用情報機関のからくりとは?、クレジットカード審査が通りやすくなるコツとは?、クレジットカードを同時に申し込んでも大丈夫?、などなど全てまとめました。審査が甘い、通りやすいクレジットカードについて解説する専門サイト「クレココ」といいます。審査のポイントから審査に通りやすいカードの紹介、体験談まで掲載しています。

  9. opus virtual office review
    September 18, 2016 | 4:48 am

    Yet, there are grants that are made for equipment and training.
    Without enough traffic, you will never have
    enough customers and this means you won’t be making enough
    money. Before you do this, examine the publication online to ensure that its website is user friendly.

  10. opus meeting room review
    September 22, 2016 | 6:01 am

    Then send the postcard to all of the addresses in your
    area, and try to draw customers in. With good habit and savings, you can be assured of having enough to start your own business.
    Selling the same things, to the same market, in the same way.

  11. opus meeting room review
    September 26, 2016 | 7:59 am

    Yet, there are grants that are made for equipment and training.

    When job offers do come and I’ll admit, some companies may fear hiring you because they fear a former owner being an employee, negotiate the best salary you can along with the best benefits you
    can for you and your family. Always choose a new account, and look for a specialized bank whenever possible.

  12. Delaware meeting room
    September 27, 2016 | 8:23 am

    The following are the benefits that you have to be aware of the most.
    Without enough traffic, you will never have enough customers and this means you won’t be making enough money.
    What you give away doesn’t have to
    be costly, but it must be valuable.

  13. meeting room service
    September 29, 2016 | 5:02 am

    Starting a small business with no money may sound impossible but there are ways to kick off
    a very profitable business without ever spending a single dime of your
    own money. With good habit and savings, you can be assured of having
    enough to start your own business. Selling the same things, to the same
    market, in the same way.

  14. Meeting Room Space
    September 30, 2016 | 7:13 am

    Starting a small business with no money may sound impossible but there are ways to kick off
    a very profitable business without ever spending a
    single dime of your own money. If, on the other
    hand, you are not successful in paying your loans back, you
    are going to develop “bad credit. What you give away doesn’t have to be costly, but it must be valuable.

  15. meeting rooms
    September 30, 2016 | 7:28 am

    Banner ads typically include graphics and text which entice Internet users to click on the advertisement.
    With good habit and savings, you can be assured of having enough to start your own business.
    Typically, this works well if we are involved in a solid networking and we reciprocate, by referring clients to those other businesses.

  16. opus meeting room review
    October 10, 2016 | 8:24 am

    The equipment itself is not really particularly expensive these times, so leasing can cost
    considerably more in the medium-to-long term. You can know
    all the ins and outs of business and can run a restaurant without fail;
    but would you know the first thing about installing
    the kitchen grills. Before you do this, examine the publication online to ensure that its website
    is user friendly.

  17. opus meeting room review
    October 10, 2016 | 8:25 am

    Look into their years of experience in managing small business accounts so that you can get professional
    advice on various financial matters. A lot of
    people have small business ideas that they often fail to put into practice either because they lack the money to make an investment or because the fear to lose everything.
    For clients, you can target neighborhoods, communities or even companies.

  18. meeting room
    October 18, 2016 | 11:48 am

    Banner ads typically include graphics and text
    which entice Internet users to click on the advertisement.
    If, on the other hand, you are not successful in paying your loans back, you are going to develop “bad credit. Always choose a new account, and look for a specialized bank whenever possible.

  19. Rosita
    October 19, 2016 | 5:15 am

    The equipment itself is not really particularly expensive
    these times, so leasing can cost considerably more in the medium-to-long term.
    Make the process pain-free with debt collection software for a small business that
    automates this tedious process and adds to your company’s
    bottom line. A customer is injured while using a product you sold and files a claim for indemnity.

  20. Megan
    October 25, 2016 | 5:12 am

    Yet, there are grants that are made for equipment and training.
    A lot of people have small business ideas that they often fail to put into practice
    either because they lack the money to make an investment or because the fear to lose everything.

    What you give away doesn’t have to be costly, but it must
    be valuable.

Leave a Reply


Wanting to leave an <em>phasis on your comment?

Trackback URL http://mynextbuck.com/the-best-credit-card-to-help-you-get-out-of-debt/trackback/

The Best Credit Card to Help You Get Out of Debt

(Prior to reading this article, I want my readers to know this article is based solely on my opinion and that I am NOT being paid or persuaded to endorse this specific card.)

A lot of bloggers are reluctant to pick one thing and say it’s the “best”. Often times they say, “Here are three good options, and you should go and choose one.” Well I am going to buck that trend today.

No more will you read about options that are confusing.  If you want an answer about what is the best credit card for you, read on and I will tell you.

The Best Credit Card to Get Out of Debt

My friend Amy came to me the other day and said:

“I have X amount of debt. My credit card sucks, and I want to do a 0% balance transfer.  You’re my money friend, what do you recommend?”

I could have come back to Amy with a host of recommendations.  I could have sent her to a number of credit card finding sites (BankRate, etc.). However, this wasn’t going to get her motivated.  She didn’t want to do more research. She wanted the answer – which card to apply for.

Well Amy, my opinion on the BEST credit card out there to help you get out of debt is the CitiForward.

  • CitiForward CardThe card doesn’t require excellent credit (only requires good credit)
  • The card has 0% balance transfers for the first six months
  • The card has a decent APR that will be reduced by 2% after 3 months of paying your bill on time (but who cares about APR after you get out of debt, right!)
  • The card offers reward points at a decent clip
  • The card also offers a few bonus reward point offers for just using the card at a modest frequency

Most cards that offer 0% balance transfers, fail to offer reward points.  That is why I recommended this card to Amy and that is why I am saying it is the best credit card out there at the moment.  This is a card that has features she should be happy with for years, not just the next six months as she pays off that remaining debt.

From experience, I know credit card shopping can be a pain in the ass.  It took me 3 months to settle on my own credit card (not the card I recommend above).

For those looking for a credit card that helps their situation but don’t know which to choose stop wasting time deliberating and get the card I recommend.  It will likely get you on track to your goals.  (If you want to read more about this card, check out a solid review of it here at The Digerati Life)

20 Responses to The Best Credit Card to Help You Get Out of Debt
  1. Matt SF
    December 7, 2009 | 9:10 am

    I think that’s a solid choice. Can’t beat a 0% APR since you’re getting the 1 to 1 dollar re-payment plan.

  2. Credit Card Chaser
    December 7, 2009 | 5:47 pm

    That is a very good choice although I personally would prefer the Discover More card in that situation.

  3. Financial Samurai
    December 7, 2009 | 10:09 pm

    Amy – My advice to you is to just keep your credit card, and pay it off. Doing a balance transfer is only a temporary fix.

    Advising you to get another card when you already have trouble paying your debt is like advising a recovering alcoholic to go bar-hopping with me.

    Be strong! Address the real problem (your spending habit), and not blame it on a “sucky” credit card!

    Best, Sam

  4. Brian
    December 12, 2009 | 6:27 am

    @Matt – yeah… this card is a beast when it comes to features.

    @CCC – i like a lot of Discover’s products, but since they aren’t taken everywhere, i had to shy away from them. Same with Amex.

    @FS – Luckily she has already curbed the habit, and is paying off the debt, but her featureless, rewardless, and high APR card isn’t helping the situation. Definitely glad she isn’t one to blame the debt on a “crappy” credit card.

  5. These may indicate you do not require as much capacity in your air conditioner as you previously had.
    With this in mind you should refuse a repair that is higher than $275 that can be done “right now”.
    Don’t fret as there is no dearth of contractors that you can pick on.

  6. Wilburn
    July 22, 2013 | 2:08 am

    I just prized your individual web and then information.

    You must be fantastic.
    Many thanks meant for creating the and that i want to learn even
    more away you the next day.
    Special positioning hanging on to website certain and so high-quality
    without the need for all of the fakes.

    Do i get concepts for the purpose of mine blog page to
    have this free of spam?
    As well as creative ideas teaching how to prepare with the help of delightful
    top quality much like your own?
    Sorry for my uk :) it really possibly not the best indigenous phrases,
    wish that you can expect to know precisely

  7. Annmarie
    September 19, 2014 | 10:40 pm

    What’s up to all, the contents existing at this website are actually remarkable for people
    experience, well, keep up the good work fellows.

  8. 審査の甘いクレジットカード
    September 5, 2016 | 5:02 am

    こんにちわ

    私はクレジットカードの審査の方法についてのサイトを運営しています。誰もが知りたいクレジットカード審査通過の最低基準とは?、信用情報機関のからくりとは?、クレジットカード審査が通りやすくなるコツとは?、クレジットカードを同時に申し込んでも大丈夫?、などなど全てまとめました。審査が甘い、通りやすいクレジットカードについて解説する専門サイト「クレココ」といいます。審査のポイントから審査に通りやすいカードの紹介、体験談まで掲載しています。

  9. opus virtual office review
    September 18, 2016 | 4:48 am

    Yet, there are grants that are made for equipment and training.
    Without enough traffic, you will never have
    enough customers and this means you won’t be making enough
    money. Before you do this, examine the publication online to ensure that its website is user friendly.

  10. opus meeting room review
    September 22, 2016 | 6:01 am

    Then send the postcard to all of the addresses in your
    area, and try to draw customers in. With good habit and savings, you can be assured of having enough to start your own business.
    Selling the same things, to the same market, in the same way.

  11. opus meeting room review
    September 26, 2016 | 7:59 am

    Yet, there are grants that are made for equipment and training.

    When job offers do come and I’ll admit, some companies may fear hiring you because they fear a former owner being an employee, negotiate the best salary you can along with the best benefits you
    can for you and your family. Always choose a new account, and look for a specialized bank whenever possible.

  12. Delaware meeting room
    September 27, 2016 | 8:23 am

    The following are the benefits that you have to be aware of the most.
    Without enough traffic, you will never have enough customers and this means you won’t be making enough money.
    What you give away doesn’t have to
    be costly, but it must be valuable.

  13. meeting room service
    September 29, 2016 | 5:02 am

    Starting a small business with no money may sound impossible but there are ways to kick off
    a very profitable business without ever spending a single dime of your
    own money. With good habit and savings, you can be assured of having
    enough to start your own business. Selling the same things, to the same
    market, in the same way.

  14. Meeting Room Space
    September 30, 2016 | 7:13 am

    Starting a small business with no money may sound impossible but there are ways to kick off
    a very profitable business without ever spending a
    single dime of your own money. If, on the other
    hand, you are not successful in paying your loans back, you
    are going to develop “bad credit. What you give away doesn’t have to be costly, but it must be valuable.

  15. meeting rooms
    September 30, 2016 | 7:28 am

    Banner ads typically include graphics and text which entice Internet users to click on the advertisement.
    With good habit and savings, you can be assured of having enough to start your own business.
    Typically, this works well if we are involved in a solid networking and we reciprocate, by referring clients to those other businesses.

  16. opus meeting room review
    October 10, 2016 | 8:24 am

    The equipment itself is not really particularly expensive these times, so leasing can cost
    considerably more in the medium-to-long term. You can know
    all the ins and outs of business and can run a restaurant without fail;
    but would you know the first thing about installing
    the kitchen grills. Before you do this, examine the publication online to ensure that its website
    is user friendly.

  17. opus meeting room review
    October 10, 2016 | 8:25 am

    Look into their years of experience in managing small business accounts so that you can get professional
    advice on various financial matters. A lot of
    people have small business ideas that they often fail to put into practice either because they lack the money to make an investment or because the fear to lose everything.
    For clients, you can target neighborhoods, communities or even companies.

  18. meeting room
    October 18, 2016 | 11:48 am

    Banner ads typically include graphics and text
    which entice Internet users to click on the advertisement.
    If, on the other hand, you are not successful in paying your loans back, you are going to develop “bad credit. Always choose a new account, and look for a specialized bank whenever possible.

  19. Rosita
    October 19, 2016 | 5:15 am

    The equipment itself is not really particularly expensive
    these times, so leasing can cost considerably more in the medium-to-long term.
    Make the process pain-free with debt collection software for a small business that
    automates this tedious process and adds to your company’s
    bottom line. A customer is injured while using a product you sold and files a claim for indemnity.

  20. Megan
    October 25, 2016 | 5:12 am

    Yet, there are grants that are made for equipment and training.
    A lot of people have small business ideas that they often fail to put into practice
    either because they lack the money to make an investment or because the fear to lose everything.

    What you give away doesn’t have to be costly, but it must
    be valuable.

Leave a Reply


Wanting to leave an <em>phasis on your comment?

Trackback URL http://mynextbuck.com/the-best-credit-card-to-help-you-get-out-of-debt/trackback/