These four credit cards are the best cards of you to use if you carry a balance on your credit card each month. They all have low interest rates and have a zero balance transfer fee.

Clear from American Express –

• APR 13.49%-18.99%
• 0% Introductory APR for up to 12 months.
• Fixed 3.99% on balances transferred for 12 months. $25 AmEx gift card issued for every $2.500 spent.
• Liberal one-month grace period for payments.
• No fees for late payments
• No fees for cash advances
• No fees for over-limit charges
• Free credit report with credit score every year

Iberiabank Visa Classic

• APR 7.5% to 9.5%
• 0% on balance transfers for 6 months; 7.5% to 9.5% after six months
• 11.5% to 13.5% APR on balances for convenience checks or cash advances, but there is a 5% transaction fee
• No cash advance fee

Simmons First Visa Platinum

• APR 7.25%
• Default penalty APR is only 15.25% and cash-advance APR is only 11.25% with a 3% transaction fee.
• Balance transfer APR is 7.25%

Simmons First Visa Platinum Travel Rewards

• 0% for six months on balance transfers
• No transfer fee
• 8.95% APR
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