Happy Holidays for the Smart Balance Transfers blog! This will be a quick post to help last minute credit card shoppers find the best credit card offer for the season. Basically, the most important thing to look for in a balance transfer credit card this time of year is what the 0% interest rate applies to. If you plan on using your new 0% APR credit card for purchases and balance transfers, we recommend the following credit cards:

Best Overall Balance Transfer Credit Card: The Bank of America Platinum Plus, which offers no fee balance transfers and a 0% APR for six months on both purchases and balance transfers.

Runner-Up: The Chase Platinum Card offers a 0% on purchases and balance transfers for a full year. However, there is a balance transfer fee of 3% up to $75.

Worth Noting: The Discover More credit card offers a 0% APR on balance transfers for a full year, but only six months on purchases. It also charges a 3% balance transfer fee.

The Citi Home Rebate card offers no fee balance transfers and a 0% APR for 1 year. However, there is no special rate on purchases.

For more information and to compare these credit cards, visit the 0% APR balance transfer section of SmartBalanceTransfers.com.