Credit Card FAQ's
Credit Card Glossary
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Balance Transfer credit card offers are the best way to a fresh start if you are currently carrying a good amount of debt with a high interest rate. We offer the topbalance transfer credit card offers where consumers can search, preview and apply online for the credit card that best suits your needs. Using balnce transfer credit card offers helps you move the balance that you owe on one card to another where you can receive a lower interest rate and save your hard earned money. Each offer we display shows the credit cards APR, the annual fee, the credit required for approval and details about the offer. Balance transfer credit card offers are great because they help keep your dent manageable. Please review all the cards below to find the best balance transfer credit card offers for you.
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Citi® Platinum Select® MasterCard®
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- 0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months. After that, the APR will be 11.99%-19.99% based upon your creditworthiness. This APR will vary with the market based on the Prime Rate*
- Extra Cash from Citi: enjoy discounts on gift cards,travel, merchandise and more
- Citi® Identity Theft Solutions
- Secure, free online account management
- No annual fee
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| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| 0% * |
12 Months on Purchases * |
11.99 - 19.99 (Variable)%* |
None* |
Good* |
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Discover® More Card
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- 0% intro APR on balance transfers for a full 15 months, then the Regular APR
- 0% intro APR on purchases for a full 6 months, then the Regular APR
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
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| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| 0%* * |
6 Months * |
11.99 - 20.99 (Variable)%* |
None* |
Excellent* |
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Capital One® Platinum Prestige Credit Card
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- 0% intro APR until July 2011 on balance transfers, processed in as little as 48 hours
- 0% intro APR until July 2011 on purchases
- Transfer your higher-rate balances
- $0 Fraud Liability if your card is lost or stolen
- 24-hour travel & emergency assistance gives you a replacement card and cash advance
- 24-hour roadside assistance
- Travel accident insurance
- No annual fee
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| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| 0% * |
Until July 2011 * |
11.9 (V)%* |
None* |
Excellent* |
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Capital One® VentureOne(SM) Rewards Credit Card
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- 1.25 miles per dollar on every purchase, every day
- Redeem miles for airline tickets, hotel rooms, car rentals and more
- No limit on the miles you can earn and miles won't expire
- Fly free on any airline, any time with no blackout dates
- Use rewards for travel, merchandise, gift cards and more
- 0% intro APR on purchases until July 2011
- No foreign transaction fees
- No annual fee
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| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| 0% on purchases * |
Until July 2011 * |
13.9 (V)%* |
None* |
Excellent* |
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Blue Cash(R) from American Express
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- When you shop with Blue Cash, you can earn up to 5% cash back on every eligible purchase
- No Annual Fee
- 0% Intro APR for 6 months on purchases
- Express Approval. Get a decision in less than 60 seconds.
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| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| See Terms* * |
See Terms * |
17.24-21.24 Variable%* |
No Annual Fee* |
Excellent* |
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Citi® Diamond Preferred® Rewards Card
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- $50 gift card - Redeem 6,000 bonus points after $300 in purchases within 3 months of account opening
- 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-20.99% based on creditworthiness*. This APR will vary with the market based on the Prime Rate.
- 5 ThankYou® Points for every $1 spent on purchases at supermarkets, drugstores and gas stations for 12 months, 1 ThankYou Point thereafter**
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
- No annual fee
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| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| 0% * |
12 Months * |
12.99 - 20.99 (Variable)%* |
None* |
Good* |
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Capital One® Venture(SM) Rewards Credit Card
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- 2 miles per dollar on every purchase, every day
- 10,000 bonus miles when you spend $1,000 in your first 3 months
- No limit on the miles you can earn and miles won't expire
- Fly free on any airline, any time with no blackout dates
- No foreign transaction fees
- Exclusive award-winning customer service
- Visa Signature® benefits like complimentary concierge and travel upgrades
- First year's annual fee is on us
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| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| N/A * |
N/A * |
13.9 (V)%* |
$59* |
Excellent* |
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Orchard Bank Classic MasterCards
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- An excellent credit card for rebuilding credit scores; reports to 3 major credit bureaus monthly!
- Acceptance at millions of locations worldwide, including website purchases and reservations
- Your account information is updated and at your fingertips 24/7 so you can manage it your way
- Email and text messages to remind you of your upcoming payment due date with online enrollment
- On-call customer service representatives to assist you with questions or concerns
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| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| N/A * |
N/A * |
7.90 - 28.90%* |
See Terms* |
Bad* |
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Citi® mtvU Platinum Select® Visa® Card for College Students
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- No Cosigner required
- Earn 5 ThankYou Points® for every dollar you spend at restaurants, bookstores, record stores, movie theaters and video rental stores.
- Earn 1 ThankYou Point for every dollar you spend on all other purchases.
- Earn up to 2000 ThankYou Points twice a year for having a good GPA.
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| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| 0% if you qualify* * |
7 Months on Purchases * |
12.99 - 21.99 (Variable)%* |
None* |
Good* |
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Citi® Dividend Platinum Select® MasterCard®
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- 0% Intro APR on Balance Transfers for 15 months. After that, the APR will be 12.99%-20.99% based on your creditworthiness*. This APR will vary with the market based on the Prime Rate.
- Earn 5% cash back at restaurants and on car rentals and hotels from 7/1/10 to 9/30/10. Enrollment required each quarter.
- Full 1% cash back on eligible purchases and cash advances.
- Earn extra cash back on popular, rotating categories each quarter.
- Average 5% additional cash back through Citi Bonus Cash Center®
- No Annual Fee
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| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
0% BT & CA Only * |
15 Months* * |
12.99 - 20.99 (Variable)%* |
None* |
Excellent* |
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Escape by Discover® Card
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- 25,000 Bonus Miles - 1,000 Bonus Miles each month you make a purchase for your first 25 months
- Unlimited Double Miles on all purchases
- An additional 2 Miles for every $1 you spend through our exclusive online shopping site, ShopDiscover
- Flexible redemption options for travel, gift cards, or cash
- Enhanced travel benefits
- 0% intro APR on Balance Transfers and Purchases for 6 months, then the Regular APR
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| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| 0%* * |
6 Months * |
10.99 - 16.99 (Variable)%* |
$60* |
Excellent* |
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Citi® Diamond Preferred® Card
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- 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 14.99%. This APR will vary with the market based on the Prime Rate.
- Concierge service that caters to your needs 24/7
- Citi® Identity Theft Solutions
- Secure, free online account management
- No annual fee*
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| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| 0% * |
12 Months * |
14.99 (Variable)%* |
None* |
Good* |
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IBERIABANK Visa ® Select Card
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- Introductory Rate of 0.00% for 12 months from date opened, on Purchases. (If there is an interest charge, the charge will be no less then $1.00). This rate will not change during the introductory period.
- Low Introductory APR on Balance Transfers of 1.99% for the first 12 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
- Low Ongoing Variable Rate APR after introductory period of 7.50% (Prime + 4.25%). This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less then $1.00).
- Online access to credit card account information
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| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| 0% * |
12 Months * |
7.50%* |
$35* |
Excellent* |
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Discover® Open Road Card
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- 2% Cashback Bonus automatically at any gas station and any restaurant
- 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
- Up to 1% unlimited Cashback Bonus on all other purchases
- 0% intro APR on balance transfers for 12 full months, then the Regular APR
- 0% intro APR on purchases for 6 months, then the Regular APR
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| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| 0%* * |
6 Months * |
11.99 - 20.99 (Variable)%* |
None* |
Good* |
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Discover® MotivaCard
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- Cash rewards for your good credit management
- Each time you make 6 on-time payments in a row, you'll get a Pay-On-Time Bonus equal to a full month's interest added to your Cashback Bonus account
- 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
- Up to 1% unlimited Cashback Bonus on all other purchases
- 3.99% intro APR on balance transfers for a full 15 months, then the Regular APR
- 3.99% intro APR on purchases for a full 12 months, then the Regular APR
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| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| 3.99%* * |
12 Months * |
11.99 - 20.99 (Variable)%* |
None* |
Good* |
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Bryant State Bank MasterCard®
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- Low Interest Rate of 11.25%*
- Introductory Balance Transfer Rate
- No Balance Transfer Fee
- $0 Fraud Liability
- 24/7 Online Account Access
- Emergency Cash Advance & Card Replacement
- Worldwide Acceptance
- *See Card Terms and Conditions
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| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
3.25% on Balance Transfers BT & CA Only * |
6 Months * |
11.25%* |
$20* |
Good* |
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Capital One® Platinum Credit Card
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- 0% intro APR until July 2011 on balance transfers, processed in as little as 48 hours
- 0% intro APR until July 2011 on purchases
- Transfer your higher-rate balances
- $0 Fraud Liability if your card is lost or stolen
- 24-hour travel & emergency assistance gives you a replacement card and cash advance
- 24-hour roadside assistance
- Travel accident insurance
- No annual fee
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| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| 0% * |
Until July 2011 * |
14.9 (V)%* |
None* |
Good* |
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Discover® More Card- Black
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- 0% intro APR on balance transfers for a full 12 months, then the Regular APR
- 0% intro APR on purchases for a full 9 months, then the Regular APR
- 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
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| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| 0%* * |
9 Months * |
11.99 - 20.99 (Variable)%* |
None* |
Excellent* |
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IBERIABANK Visa® Classic Card
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- No annual membership fee
- Low variable rate of 7.25%, 10.25%, or 13.25% (Prime + 4.00%, Prime + 7.00%, or Prime + 10.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00).
- Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
- Online access to credit card account information
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| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
1.99% BT & CA Only * |
6 Billing Cycles * |
7.25, 10.25, or 13.25%* |
None* |
Excellent* |
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Discover® More Card - $75 Cashback Bonus
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- 0% intro APR on balance transfers for a full 12 months, then the Regular APR
- 0% intro APR on purchases for a full 6 months, then the Regular APR
- Get $75 Cashback Bonus when you make $500 in purchases within 3 months
- 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
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| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| 0%* * |
6 Months * |
11.99 - 20.99 (Variable)%* |
None* |
Excellent* |
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Orchard Bank Classic MasterCards
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- An excellent credit card for rebuilding credit scores; reports to 3 major credit bureaus monthly!
- Acceptance at millions of locations worldwide, including website purchases and reservations
- Your account information is updated and at your fingertips 24/7 so you can manage it your way
- Email and text messages to remind you of your upcoming payment due date with online enrollment
- On-call customer service representatives to assist you with questions or concerns
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| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| N/A * |
N/A * |
7.90 - 28.90%* |
See Terms* |
Bad* |
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Orchard Bank Classic MasterCards
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- An excellent credit card for rebuilding credit scores; reports to 3 major credit bureaus monthly!
- Acceptance at millions of locations worldwide, including website purchases and reservations
- Your account information is updated and at your fingertips 24/7 so you can manage it your way
- Email and text messages to remind you of your upcoming payment due date with online enrollment
- On-call customer service representatives to assist you with questions or concerns
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| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| N/A * |
N/A * |
7.90 - 28.90%* |
See Terms* |
Bad* |
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Orchard Bank Classic MasterCards
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- An excellent credit card for rebuilding credit scores; reports to 3 major credit bureaus monthly!
- Acceptance at millions of locations worldwide, including website purchases and reservations
- Your account information is updated and at your fingertips 24/7 so you can manage it your way
- Email and text messages to remind you of your upcoming payment due date with online enrollment
- On-call customer service representatives to assist you with questions or concerns
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| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| N/A * |
N/A * |
7.90 - 28.90%* |
See Terms* |
Bad* |
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Orchard Bank Visa Cards
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- Reports to 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score!
- Acceptance at millions of locations worldwide, including website purchases and reservations
- Your account information is updated and at your fingertips 24/7 so you can manage it your way
- Email and text messages to remind you of your upcoming payment due date with online enrollment
- On-call customer service representatives to assist you with questions or concerns
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| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| N/A * |
N/A * |
7.90 - 28.90%* |
See Terms* |
Bad* |
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PenFed Premium Travel Rewards American Express® Card
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- 5 Points for Every $1 Spent on Airfare!
- 3 Points on Hotels and Dining (through December 31, 2010)
- No Balance Transfer Fees – Good till June 30, 2010
- Automatic enrollment in PenFed Premium Rewards Program
- Access to 600+ Luxury VIP Global Airport Lounge Access with $15,000 Annual Spend
- 24/7 Premium Concierge Service
- Exclusive Travel Upgrades and Offers
- Redeem on any Airline; no black-out dates or restrictions
- Spend $650 in the First Three Months and Receive 20,000 bonus points
- No Foreign Transaction Fees!
- You must be a Pentagon Federal Credit Union member to apply. Not a member? It’s easy to join. Click here to learn more.
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| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
4.99%-6.99%* BT & CA Only * |
24 Months * |
13.24%* |
$50* |
Excellent* |
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PenFed Promise VISA Card
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- Absolutely No Fees!
- Introductory Purchase Rate – 7.49% APR for the first 36 months. Afterwards, the APR will vary with the Prime Rate and is currently 9.99% APR.
- No Balance Transfer Fees – Good till June 30, 2010
- No Foreign Transaction Fees!
- Some restrictions apply.
- You must be a Pentagon Federal Credit Union member to apply. Not a member? It’s easy to join. Click here to learn more.
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| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| 7.49% * |
36 Months * |
9.99%* |
None* |
Excellent* |
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Visa Platinum Cashback Rewards Card
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- 13.99% APR – Lower than most rewards cards!
- Earn 2.00% Cash Back on Supermarket Purchases*
- Earn 5.00% Cash Back from Gas Purchases Paid at the Pump*
- Earn 1.00% Cash Back from All Purchases** You Make with the Card During Each Billing Cycle
- No Balance Transfer Fees – Good till June 30, 2010
- Up to $50,000 Limit
- No Annual Fee
- Cash Rewards Credited Each Month
- No Special Restrictions to Earn Your Cash Rewards
- Limited Time Only – Low Balance Transfer Rates†
- You must be a Pentagon Federal Credit Union member to apply. Not a member? It’s easy to join. Click here to learn more.
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| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
4.99%-6.99%* BT & CA Only * |
24 Months * |
13.99%* |
None* |
Excellent* |
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Citi® Dividend Platinum Select® Card for College Students
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- No Cosigner Required
- Earn 5% Cash Back on purchases at supermarkets, drugstores, gas stations, convenience stores & utilities (including cable) for 6 months; 1% thereafter*
- Earn at least 2% cash back in popular rotating categories like restaurants, apparel, hotel and more. Enrollment required*
- Earn a full 1% cash back on all other purchases*
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| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| 0% if you qualify* * |
7 Months on Purchases * |
12.99 - 21.99 (Variable)%* |
None* |
Good* |
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Upromise® World MasterCard®
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- 10% extra college savings on thousands of eligible grocery and drugstore items
- 2% extra college savings on eligible gas purchases at Exxon and Mobil locations
- 1% college savings on every purchase
- Get $25 college savings after the first qualified use of your account
- No annual fee†
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| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| 0% on purchases * |
7-10 billing cycles * |
12.99-20.99 Variable%* |
None* |
Excellent* |
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* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.
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