What's a good credit card company to transfer debt to? And do you lose the benefits if you use that card in the 0% APR period?

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Discover almost always has a minimum 18 month 0% APR balance transfer deal. I did that once and wiped out CC debt myself. Once paid off, you can take advantage of the cash back as well, but be careful not to rack the debt back up.

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You can if you have available credit but that defeats the purpose of a balance transfer. You will also start incurring interest on that “spend” balance, which is not eligible for the 0% APR balance transfer rate.

Additionally, any payments you make on the card will go to the 0% balance before hitting the “spend” balance. You will have to pay off the transfer first. There is no way to apply a payment directly to what you spent vs the balance transfer.

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I always get balance transfer offers from a no-fee Citi card I never use

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