SBT Blog

After three months of inactivity, balance transfer offers have improved for the first time since the first quarter of 2012. While average balance transfer fees held steady at a near...

Credit cards that offer rewards can be labeled as being in one of two different categories; those that offer loyalty points/miles, and those that return cash back. Although many card...

Humans are creatures of habit. We have learned the hard way that when something works, it is usually a bad idea to change it. While this instinct serves us well...

Cash back credit card users should always be trying to maximize the amount of cash back that they earn. One of the ways to do this is to use a...

Relative stability in the balance transfer market has continued through June of 2012.  This comes after some initial fluctuation in the SmartBalanceTransfers.com index earlier this year. The average balance transfer...

As we enter summer we have seen a stabilization of credit card sign up bonuses. While they are slightly below the lofty peaks seen in recent years ($200 on cash...

After a turbulent first quarter during which banks substantially altered the terms of balance transfer credit card offers, stability returned to the market in May. The average length of balance...

Credit cards are remarkably transparent financial products as Federal regulations require that card issuers disclose almost all rates and fees before cardholders begin to fill out their application. Nevertheless, there...

If an observer follows a market for long enough, eventually a pattern emerges. Competitors repeatedly try to outbid each other in their efforts to acquire a scarce commodity. Ultimately, the...

In a recent online survey conducted by Smartbalancetransfers.com using Google consumer surveys, over 1,500 Americans were asked the question “Have you ever heard of 0% APR balance transfers?”  The results were...