Why I’m considering a balance transfer card to pay off my travel card debt

• Annual fee: $0
• Rewards program: N/A
• Additional perks: Access to BankAmeriDeals and benefits like Museums on Us

The BankAmericard® credit card* will get you a 0 percent intro APR on balance transfers made within the first 60 days from account opening, as well as on purchases, both for 18 billing cycles. After that, a 15.74 percent to 25.74 percent variable APR kicks in. An intro balance transfer fee of 3 percent applies to all balance transfers made with the first 60 days. After that, a 4 percent balance transfer fee applies.

In addition to hitting all of my preferred card traits — a long intro APR on balance transfers, an equally long intro APR on purchases and no rewards structure — the BankAmericard comes with the added perk of not charging a penalty APR if you miss a payment. But even on a balance transfer card with a 0 percent intro APR, missed payments can still negatively affect your credit score.