Credit Card FAQ's
Credit Card Glossary
|
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.
| Discover® More(SM) Card
|

|
- Earn more cash in more ways than anyone else(SM*)
- Unlimited cash rewards, automatically
- Up to 20% Cashback Bonus® when you shop online*
- Double rewards with more than 100 Cashback Bonus Partners*
- Customer Service in less than a minute, anytime you want
- 0% Intro APR for 12 months on Purchases and Balance Transfers
|
|
|
| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| 0%* |
12 Months* |
10.99%* |
None* |
Good* |
|
| Citi® Platinum Select® Card
|

|
- 0% APR* on balance transfers and purchases for up to 12 months
- No annual fee
- Citi® Identity Theft Solutions
- $0 Liability on unauthorized purchases
- Secure, free online account management
|
|
|
| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| 0%* |
Up to 12 Months* |
As low as 8.49%* |
None* |
Good* |
|
| Blue from American Express®
|

|
- 0% APR on purchases for up to 15 months
- No Annual Fee
- Low Balance Transfer APR — 4.99% Fixed APR for the life of the balance.
- Earn points that can be redeemed for gift cards, travel, merchandise, and unique entertainment experiences.
- Membership Rewards Express® program
- Express Approval. Get a decision in less than 60 seconds.
|
|
|
| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| 0%* |
Up to 15 Months* |
As low as 9.99%* |
None* |
Excellent* |
|
| Chase Platinum Visa® Card
|

|
- 0% Intro APR for up to 12 months
- The time period for the introductory APR and the balances to which it will apply will be based on our review of your application and credit history
- No Annual Fee
- FREE Online Account Access
- FREE travel services including Auto Rental Collision Damage Waiver and Worldwide Travel Accident Insurance
|
|
|
| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| 0%* |
12 Months* |
10.99%* |
None* |
Good* |
|
| Capital One ® Platinum Prestige Visa®
|

|
Rest easy with an outstanding, low rate—for customers with excellent credit - 7.9% APR on purchases and balance transfers
- Your APR will not increase simply because you pay late only once or go over your credit limit
- No annual fee and no balance transfer fees
|
|
|
| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| N/A* |
N/A* |
7.90%* |
None* |
Excellent* |
|
| AT&T Universal Savings Platinum Card
|

|
- Up to 10% savings for the first 12 months on AT&T purchases
- 0% APR* on Balance Transfers for up to 12 months
- No Annual Fee
- Plus AT&T calling benefits: Up to 30 free phone minutes each month; 2 free directory assistance inquiries per month and other wireless benefits
|
|
|
| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
0% BT Only* |
Up to 12 Months* |
As low as 8.99%* |
None* |
Good* |
|
| The Merrill+ Visa® Credit Card
|

|
- Introductory 1.9% Annual Percentage Rate
(APR)† for Cash Advance Checks and Balance Transfers through your first twelve billing cycles.* (subject to a 3% transaction fee, no less than $10) - No Annual Fee
- Outstanding Rewards Program
One of the best rewards cards available today with anytime, anywhere air rewards. - Earn 1 point for every $1 spent
on net retail purchases, and accrue unlimited Merrill points.§ Points can be redeemed for Merchandise, Travel, Gift Certificates, and more. - Extraordinary Benefits
Receive unique perks and upgrades such as companion airline tickets and upgrades, airport lounge access, and 24/7 concierge. |
|
|
| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| N/A* |
N/A* |
9.99%* |
None* |
Good* |
|
| Bank of America WorldPoints Platinum Plus® Visa® Credit Card
|

|
- 0% Intro Annual Percentage Rate (APR)† on balance transfers and cash advance checks for your first 12 billing cycles.
- Earn 1 Point for every dollar you spend in net retail purchases.§ Points are redeemeable for cash, brand name merchandise, travel with no blackout dates dining certificates and more.
- No Annual Fee
- Free 24/7 Concierge Service
- Absolute Fraud Protection
- Card issued by FIA Card Services, N.A. (USA)
Terms & Conditions |
|
|
| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| N/A* |
N/A* |
9.99 / 15.99%* |
None* |
Good* |
|
| Chase Free Cash Rewards(SM) Visa® Card
|

|
- 1 point for every eligible dollar in purchases
- 1,000 Bonus Points after your first purchase
- Intro 0% Fixed APR for up to 12 months*
- No Annual Fee
- Get your rewards with as few as 2,500 points
- Choose from either a $25 check or a $25 gift card/certificate from leading national merchants for every 2,500 points earned
|
|
|
| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| 0%* |
12 Months* |
10.99%* |
None* |
Good* |
|
| Discover® Motiva(SM) Card
|

|
- Cash Rewards for your good credit management!*
- Get a Pay-On-Time BonusSM equal to a full month’s interest every time you make 6 on-time payments in a row—twice a year, every year
- 5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site
- Up to 1% Cashback Bonus on all other purchases
- Unlimited cash rewards
- Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners
- 3.9% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers
|
|
|
| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| 3.9%* |
Up to 12 Months* |
10.99%* |
None* |
Good* |
|
| GM Flexible Earnings Card
|

|
- 0% introductory APR for 12 months (on balance transfers)
- A full 1% cash back option
- A full 1% earnings toward any other new vehicle
- Triple your earnings to 3% toward an eligible, new GM vehicle
- No annual fee
|
|
|
| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
0% BT Only* |
12 Months* |
As low as 14.24%* |
None* |
Good* |
|
| Chase Platinum MasterCard®
|

|
- 0% Intro APR for up to 12 months
- The time period for the introductory APR and the balances to which it will apply will be based on our review of your application and credit history
- No Annual Fee
- Interest-free grace period when you pay your bill in full each month
- FREE Online Account Access
- FREE travel services including Auto Rental Collision Damage Waiver and Worldwide Travel Accident Insurance
|
|
|
| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| 0%* |
12 Months* |
10.99%* |
None* |
Good* |
|
| Bank of America Accelerated Rewards American Express® Card
|

|
- 0% Intro Annual Percentage Rate (APR)† on balance transfers and cash advance checks for your first 12 billing cycles.
- No annual fee and the flexibility to pay over time
- Reedeem your points for travel with no blackout dates, discounts at hotels, cash, brand-name merchandise, or gift certificates§
- Earn rewards faster with 1.25 points for every net retail purchase dollar§
- Access to special Cardmember offers from participating American Express merchants to save on shopping, dining, travel, hotels, and much more.
- Free 24/7 Concierge Service
- Access to more than 2,200 American Express Travel Services locations worldwide to help you.
Terms & Conditions |
|
|
| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| N/A* |
N/A* |
9.9%* |
None* |
Good* |
|
| Citi® Dividend Platinum Select® Card
|

|
- Earn 5% cash back at gas stations, supermarkets and drug stores, convenience stores, and utilities including cable for 6 months and 2% thereafter.
- Earn 1% cash back on all other purchases
- 0% APR* on Balance Transfers for up to 12 months
- No Annual Fee
|
|
|
| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
0% BT Only* |
Up to 12 Months* |
As low as 10.99%* |
None* |
Excellent* |
|
| Chase PerfectCard MasterCard®
|

|
- 6% rebates on ALL eligible gas purchases at ANY gas station for the first 90 days
- 3% rebates on ALL eligible gas purchases at ANY gas station after the first 90 days
- 1% rebates on ALL other purchases made anywhere else
- 0% Intro APR for up to 6 months*
- No Annual Fee
- Earn rewards wherever the road takes you with the Chase PerfectCard.
Rebates are automatically credited toward future purchases made on your card. |
|
|
| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| 0%* |
6 Months* |
10.99%* |
None* |
Good* |
|
| Citi® Diamond Preferred® Rewards Card
|

|
- 0% APR* on balance transfers for up to 12 months
- $50 Gift Card - Earn 6,000 bonus points after $100 in purchases made within 3 months of account opening
- 5 reward points for every $1 spent on purchases at supermarkets, drugstores and gas stations for 12 months; 1 point for every $1 on all other purchases
- No annual fee and FREE rewards program
- Citi® Identity Theft Solutions
- Price Protection Program
- $0 Liability on unauthorized purchases
|
|
|
| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
0% BT Only* |
up to 12 Months* |
As low as 10.49%* |
None* |
Good* |
|
| Bank of America® Platinum Plus® Visa® Card
|

|
- 0% Intro Annual Percentage Rate (APR)† for 12 months on balance transfers WITH a balance transfer fee, min $10, 3% of transfer
- No annual fee
- Credit lines as high as $25,000
- Online Banking Service
- Total Security Protection®
- Card issued by FIA Card Services, N.A.
Terms & Conditions |
|
|
| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| N/A* |
N/A* |
7.99%* |
None* |
Good* |
|
| Blue Cash® from American Express
|

|
- Up to 5% Cash Back with Unlimited Cash Rewards
- No Annual Fee
- 0% Intro APR for 6 months on purchases
- Low Balance Transfer rate - 4.99% fixed APR for the life of the balance
- Express Approval. Get a decision in less than 60 seconds.
|
|
|
| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| 0%* |
6 Months* |
As low as 9.99%* |
None* |
Excellent* |
|
| Bank of America Visa Signature® WorldPoints Rewards
|

|
- 0% Intro Annual Percentage Rate (APR)† on balance transfers and cash advance checks for your first 12 billing cycles.
- Earn 1 Point for every dollar you spend in net retail purchases.§ Points are redeemable for cash, brand name merchandise, travel with no blackout dates, dining certificates and more.
- No Annual Fee
- Take advantage of preferred seating - Visa Signature Access gives you exclusive entry to exciting events as well as the best seats at sports, entertainment, and cultural venues.
- Reserve last-minute tables at popular restaurants - Visa Signature Dining makes it easy to get preferrred reservations, discounts, and special offers at the nation's hottest restaurants.
- Enjoy more savings and more extras - Get discounts at select merchants, valuable upgrades, and savings of up to 50% on accommodations at spectacular places. Visa Signature Privileges make it possible.
- Receive personalized assistance - From hard-to-find gifts to travel and entertainment planning, let Visa Signature Concierge handle all the details.
- Card issued by FIA Card Services, NA.
Terms & Conditions |
|
|
| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| N/A* |
N/A* |
9.99 / 15.99%* |
None* |
Good* |
|
| Citi® Diamond Preferred® Card
|

|
- 0% APR* on balance transfers and purchases for up to 12 months
- Citi® Indentity Theft Solutions
- $0 Liability on unauthorized purchases
- Secure, free online acount management
- No annual fee
|
|
|
| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| 0%* |
Up to 12 Months* |
As low as 8.49%* |
None* |
Good* |
|
| Clear from American Express®
|

|
- No fees of any kind. No annual fee, no late fees, no over-limit fees, no balance transfer fees, no cash advance fees.
- 0% intro APR for up to 12 months.
- Automatic Rewards. You'll get an American Express branded shopping card worth $25 delivered straight to your door every time you spend $2,500.
- Pay in full, or carry a balance.
- Express Approval. Get a decision in less than 60 seconds.
|
|
|
| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| 0%* |
Up to 12 Months* |
As low as 10.99%* |
None* |
Excellent* |
|
| Discover® Open Road(SM) Card
|

|
- 0% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers
- Save at the pump and everywhere else.*
- 5% Cashback Bonus® on gas and auto maintenance purchases
- 5% to 20% Cashback Bonus at top online retailers*
- Up to 1% Cashback Bonus on all other purchases
- Unlimited cash rewards
- Increase, even double, the value of your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners
|
|
|
| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| 0%* |
Up to 12 Months* |
10.99%* |
None* |
Good* |
|
| IBERIABANK MasterCard®
|

|
- Variable rates as low as Prime - 1%
- No annual membership fee
- 0% Introductory APR on balance transfers for your first 6 billing cycles
- 25 Day grace period
- Online access to credit card information
|
|
|
| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| N/A* |
N/A* |
%* |
None* |
Excellent* |
|
| Total MerrillSM Cash Back Visa® Credit Card
|

|
- 1% Cash Back on Virtually All Purchases
- No Annual Fee
- No annual fee and a low competitive 9.99% annual percentage rate (APR).
- Low 9.99% APR for Retail Purchases†
- Credit Line may be as high as $250,000
- Cash Back Rewards Can be Deposited Directly into Your Merrill Lynch Account
|
|
|
| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| N/A* |
N/A* |
9.99%* |
None* |
Good* |
|
| Financial Rewards® Visa® Platinum Plus® Card
|

|
- 0% for 6 billing cycles on balance transfers and cash advance checks with a 3% balance transfer fee ($10 min.)
- Earn 5 bonus points with your first purchase.
- Points do not expire for 5 years
- Online Banking Service
- Total Security Protection®
- No Annual Fee
- Card issued by FIA Card Services, NA.
Terms & Conditions |
|
|
| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| N/A* |
N/A* |
10.99%* |
None* |
Good* |
|
| One from American Express®
|

|
- Get $50 after your first purchase
- No Pre-Set Spending Limit*
- Earn a competitive Annual Percentage Yield (APY), currently 2.75% (variable rate as of 4/15/2008).
- Never pay interest on new purchases
- The Savings Accelerator(SM) Plan contributes 1% of eligible purchases into an FDIC-insured High-Yield Savings Account in your name
- No annual fee for the first year - A $35 savings
- Express Approval. Get a decision in less than 60 seconds.
|
|
|
| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| N/A* |
NA* |
As low as 10.99%* |
$35* |
Good* |
|
| IBERIABANK Visa Classic®
|

|
- Variable rates as low as Prime - 1%
- No annual membership fee
- 0% Introductory APR on balance transfers for your first 6 billing cycles
- 25 Day grace period
- Online access to credit card information
|
|
|
| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| N/A* |
N/A* |
%* |
None* |
Excellent* |
|
| Capital One® Platinum Prestige
|

|
Rest easy with an outstanding, low rate—for customers with excellent credit - 7.9% APR on purchases and balance transfers
- Your APR will not increase simply because you pay late only once or go over your credit limit
- No annual fee and no balance transfer fees
|
|
|
| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| N/A* |
N/A* |
7.90%* |
None* |
Excellent* |
|
| Bank of America World MasterCard® with WorldPoints
|

|
- 0% Intro Annual Percentage Rate (APR)† on balance transfers and cash advance checks for your first 12 billing cycles.
- Earn 1 Point for every dollar you spend in net retail purchases.§ Points are redeemable for cash, brand name merchandise, travel with no blackout dates, dining certificates and more.
- No Annual Fee
- Online account access and Points management
- Access to the MyConcierge(SM) service, a unique personal assistance service
- Absolute Fraud Protection
- Card issued by FIA Card Services, NA.
Terms & Conditions |
|
|
| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| N/A* |
N/A* |
9.99 / 15.99%* |
None* |
Good* |
|
| Citi CashReturns(SM) Card
|

|
- Earn a full 1% cash back on every purchase
- Get a 20% bonus on the cash back earned on all purchases for the first 12 months
- Checks will be sent automatically every time you earn $50 - no calling necessary
- 0% APR* on balance transfers for up to 12 months
- No annual fee
|
|
|
| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
0% BT Only* |
up to 12 Months* |
As low as 9.99%* |
None* |
Good* |
|
| Home Advantage World MasterCard® Credit Card with WorldPoints® Rewards
|

|
- 0% Into Annual Percentage Rate (APR) on Balance Transfers and Cash Advance Checks through your first twelve billing cycles.
- Earn 1 point for every $1 in net retail purchases at all merchants§
- Redeem your points for cash back, travel with no blackout dates, car rental and hotel rewards, brand name merchandise, or gift certificates§
- Redeem your Points as extra payments- Every time you earn 5,000 Points, you can redeem them for cash-which can be applied directly to your mortgage.§§§
- No limit to the number of points you can earn each year
- Absolute fraud protection against unauthorized use, online and offline
- Access to the MyConcierge(SM) service, a unique personal assistance service§
- Secure Online Account Access and electronic bill payment service
- Card issued by FIA Card Services, N.A.
Terms & Conditions |
|
|
| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| N/A* |
N/A* |
9.99 / 15.99%* |
None* |
Good* |
|
| Capital One® No Hassle Miles(SM) Rewards - Excellent Credit
|

|
Earn miles 25% faster than with regular miles cards—for customers with excellent credit - 13.9% APR on purchases and balance transfers
- Earn 1.25 miles for each dollar spent on purchases*
- No blackout dates or seat restrictions
- No expiration date on miles and no limit on the miles you can earn
|
|
|
| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| N/A* |
N/A* |
13.90%* |
None* |
Excellent* |
|
| Capital One® Classic Platinum
|

|
A competitive APR with a lower annual fee - 0% on purchases until December 2008. After that, a variable APR, currently 14.9%
- Exclusive savings: up to 40% off featured deals and 10% savings on everything else at Capital One® Savings Zone(SM) on Yahoo! shopping
- Platinum Benefits including extended warranties, travel accident insurance and 24 hour roadside assistance
|
|
|
| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| 0%* |
Until December 2008* |
14.90%* |
$19* |
Fair* |
|
| American DreamCard MasterCard®
|

|
- The American DreamCard is the credit card program that can make people rich!
- Large monthly cash jackpots!
- Earn entries from everyday shopping!
- Every $1 in net retail purchases = 1 entry to win (up to 1,000 entries per purchase)
- No Annual Fee†
- Get 1,000 entries just for applying!
- More entries mean more chances to win!
- Entries are good for future drawings and there is no limit to how many times you can win*
- A New Winner Every Month!
- Refer your friends and automatically receive 50 entries for each referral and get a signing bonus of 1,000 entries for each referral who is approved for the American DreamCard™
- American DreamCard™ holders also have access to MasterCard® Exclusive Online™
|
|
|
| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| N/A* |
N/A* |
12.24%* |
None* |
Average* |
|
| AT&T Universal Savings & Rewards Card
|

|
- Up to 10% savings for the first 12 months on AT&T purchases
- 1 ThankYou Point for every dollar you spend on non-AT&T purchases
- 0% APR* on Balance Transfers for up to 12 months
- No Annual Fee
- Plus AT&T calling benefits: Up to 30 free phone minutes each month; 2 free directory assistance inquiries per month and other wireless benefits
|
|
|
| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
0% BT Only* |
Up to 12 Months* |
As low as 9.99%* |
None* |
Good* |
|
| Bank of America Cash Rewards Platinum Plus® MasterCard® Credit Card
|

|
- Introductory 0% Annual Percentage Rate (APR)† for Cash Advance Checks and Balance Transfers through your first twelve billing cycles.
- For every $2,500 you spend in net retail purchases, you'll earn $25! That's a full 1% cash back — with no limit to how much cash back you can earn.
- No Annual Fee
- Every time your new purchases total $2,500, just call, and $25 will be credited directly to your credit card account.
- Absolute fraud protection against unauthorized use, online and offline.
- Card issued by FIA Card Services, N.A.
Terms & Conditions |
|
|
| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| N/A* |
N/A* |
9.99 / 15.99%* |
None* |
Good* |
|
| Bank of America WorldPoints Platinum Plus® MasterCard® Credit Card
|

|
- 0% Intro Annual Percentage Rate (APR)† on balance transfers and cash advance checks for your first 12 billing cycles.
- Earn 1 Point for every dollar you spend in net retail purchases.§ Points are redeemeable for cash, brand name merchandise, travel with no blackout dates dining certificates and more.
- No Annual Fee
- Free 24/7 Concierge Service
- Absolute Fraud Protection
- Card issued by FIA Card Services, NA.
Terms & Conditions |
|
|
| Intro
APR |
Intro
Period |
Regular
APR |
Annual
Fee |
Credit Needed |
| | |