If you owe a lot of money on a high-interest credit card this year, you can sign up for a balance transfer card and set yourself up for a better financial future in 2018. It may help you to pay off the credit card debt faster as it features a 12 months or more intro promo during which you don’t have any interest fee charges. The following are the top 4 balance transfer credit cards for January 2018.

1. Citi Diamond Preferred
Citi Diamond Preferred provides a zero percent APR for up to 21 billing cycles which is almost 2 years. The long zero percent intro promo allows you to manage your credit card debt efficiently. Because you don’t have to pay the interest fee, you will be able to pay off your debt faster. It further reduces the cost of balance transfer by not charging any annual fee. Just like many other cards, you can check your free Fico score to make sure that you are making steady progress towards your financial goal.

2. U.S. Bank Visa Platinum Card
U.S. Bank Visa Platinum Card features a zero percent intro promo that waives all interest fees on purchases and balances for 18 months. The APR interest fee from 10.99% – 22.99% applies after the intro promo ends. You can either apply for the card online or offline. If you apply online, they will give you a phone call as part of the application verification procedure. You have the ability to select your own payment due date for your own convenience. It offers up to $600 of damage protection on merchandises that you purchase with the card.

3. BankAmericard
BankAmericard provides a zero percent APR for up to 15 billing cycles after which you will be charged with a variable APR from 12.99% – 22.99%. The balance transfer fee is waived if you transfer all your balance within the first 60 days. If you delay to after 60 days to transfer the balance, the 3% or $10 balance transfer fee applies. BankAmericard does not have any annual fee and penalty APR. It offers free FICO score tracking via online banking or mobile app.

4. Chase Slate
Chase Slate is a popular balance transfer card that does not charge any APR fee during the first 15 months. After the 15 months intro period ends, it will start to charge a variable fee from 15.99% – 24.74%. The best thing about Chase Slate is that you can easily get approved without a amazing credit score. People with high 500s and low 600s have been approved for Chase Slate card. Chase Slate does not charge any annual fee. You can apply for Chase Slate online and immediately find out if you get preapproved.