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In a survey of 100 cards, Credit Cards.com’s November 2015 balance transfer survey found the post-promotional rate to be 17.8 percent.So, yes, this next year, do get a 0-percent balance transfer card, with the best rewards you can find. If you maintain good credit, and the discipline to pay it off before the promotional period ends, go for it.Please see the bank’s website for the most current version of card offers; and please review our list of best credit cards, or use our Card Match™ tool to find cards matched to your needs.Dear Credit Wise, Hello, I take a big annual vacation with a friend that costs about ,000 each, not including airfare. I takes some “chiseling away,” but I always pay it all back before the next trip.The editorial content below is based solely on the objective assessment of our writers and is not driven by advertising dollars.However, we may receive compensation when you click on links to products from our partners. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

Non-deeded or right-to-use contracts are similar to signing a lease.I used to pay it back using the vacation company’s eight-month repayment plan, and put the airfare on my credit card.For the past couple years, I’ve been putting the whole trip on my regular credit card, and paying the interest.Deeded or “fee-simple” contracts are similar to buying a house—you get a share of ownership.You can resell or rent your timeshare, or pass it down to your children.