If you are looking to consolidate some credit card payments in the new year you should consider these top pick introductory 0% APR balance transfer credit card offers. These credit cards feature no interest for a set period of time on balance transfers and in some cases also on new purchases. You can consolidate all your high interest credit card debt onto one lower interest card via a balance transfer and save some serious cash on finance charges. You can use our list of the top balance transfer credit cards to compare introductory periods, Regular APR rates and features.

DiscoverIT
The Example Four card offers a generous 0% intro APR on balance transfers for 18 months plus a 0% intro APR on purchases for 6 months. This allows you to not only skate interest free for 18 months on your old credit card debt but also allow you to buy a few things interest free for 6 months. This card features some rich rewards like 5% Cashback Bonus for gas on up to $1500 in purchases from Jan. through Mar. 2015 after you sign up for the 5% Cashback Bonus. That is the only drawback to the reward programs with this card, you have to sign up for them. Other features include no annual fee and no fee for your first late payment, no over the limit fee and no foreign transaction fee. The regular APR range after the intro period is from 10.99% to 22.99% based on credit worthiness. This card requires excellent credit. This card made the top of our list due to the 18 month intro period and the 5% cash back on the revolving categories.

Citi Diamond Preferred – Editors Pick
This card not only offers a great 0% Intro APR on Balance Transfers and Purchases for 15 months it also offers a killer rewards program in the form of cash back. Everyone likes cash back right? Not only will you save cash avoiding the interest from your last card but you will also get cash back on each and every purchase, 1% cash back when you buy and 1% cash back when you pay for those purchases. Absolutely no category restrictions, no caps on the cash back, and no annoying rotating categories or sign ups needed. After the intro APR your APR will range from 12.99% to 22.99% based on credit worthiness and other factors. Excellent credit is required to obtain this credit card.

Chase Slate
The Slate card offers you a 0% Intro APR for 15 months on not only balance transfers but also purchases to maximize the value of this card. On top of that this card also has a rich rewards program where every 3 months you get 5% cash back on select categories. Like the Discover It® card you have to activate the bonus categories. You earn an unlimited 1% cash back on everything else. This card also has no annual fee. This card requires good to excellent credit. The regular APR range after the intro period is from 13.99% to 22.99% based on credit worthiness.