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Before you transfer that hefty credit card balance to a card with a super-low introductory rate, read the fine print and ask questions.
Reasons to Transfer Balances:
- Start paying off a larger portion of your balance each month, not just the interest, with your new low rate.
- Consolidate your bills into one account. Most credit cards offering balance transfers will provide you with 3 or 4 checks to pay off your current accounts. Make sure you transfer the balance of the most costly card first. This may not necessarily be the card you hold with the highest interest rate.
- Did you know that you can transfer a balance of a friend or spouse onto your new card to help them reduce their debt? Once you receive your new card and transfer checks, make one out to your friend or spouse's account thereby giving them your new low rate.
First, ask these questions:
- How long does the introductory rate last?
- What is the card's annual percentage rate after that teaser rate expires?
- Does the teaser rate apply to transferred balances or new purchases or both?
- Does that card have an annual fee?
- What about late fees and over-the-limit fees?
- Ask if there are balance-transfer fees.
- Am I still better off if there is a transfer fee?
Once You Have That New Card:
- Don't just pay the minimums. Now that you have your new low rate, you can make REAL progress on getting your balance back down to zero.
- You can send a payment to your credit card company at any time, you don't have to wait for the monthly statement. Don't be late on your payments, or you could lose that low APR you just got.
- Check your balance on your old credit card. You may have a credit from the balance transfer process. Call them and request the check be sent to you. Then apply it towards your credit card balance.
- Remember not to get yourself too deep in credit card debt again.
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Featured 0% Balance Transfer Credit Cards
| Discover® More(SM) Card |
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Intro APR: 0%
Issuer: Discover®
0% Intro APR*
More ways to earn more cash - than anyone else.SM*
5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
Up to 1% Cashback Bonus on all other purchases automatically
Unlimited cash rewards
Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus Partners
Complete fraud protection for your peace of mind
$0 fraud liability guarantee
Advanced fraud early warning alerts
Fraud specialists dedicated to helping you 24/7
Customer service that puts you first
One call and we take care of it
Talk to a knowledgeable person in less than a minute
Easy online account options that put you in control
Timely e-mail reminders to help you avoid fees
No annual fee
Formerly Discover Platinum Card
*View Discover® Card Rates, Fees, Rewards and Other Important Information.
More info
Apply for Discover® More(SM) Card |
| Discover® More(SM) Card - Sealife Collection |
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Intro APR: 0%
Issuer: Discover®
0% Intro APR*
More ways to earn more cash - than anyone else.SM*
5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
Up to 1% Cashback Bonus on all other purchases automatically
Unlimited cash rewards
Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus Partners
Complete fraud protection for your peace of mind
$0 fraud liability guarantee
Advanced fraud early warning alerts
Fraud specialists dedicated to helping you 24/7
Customer service that puts you first
One call and we take care of it
Talk to a knowledgeable person in less than a minute
Easy online account options that put you in control
Timely e-mail reminders to help you avoid fees
No annual fee
Formerly Discover Platinum Card
Choose Your Sealife Card Design
*View Discover® Card Rates, Fees, Rewards and Other Important Information.
More info
Apply for Discover® More(SM) Card - Sealife Collection |
| Discover® More(SM) Card - Wildlife Collection |
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Intro APR: 0%
Issuer: Discover®
0% Intro APR*
More ways to earn more cash - than anyone else.SM*
5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
Up to 1% Cashback Bonus on all other purchases automatically
Unlimited cash rewards
Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus Partners
Complete fraud protection for your peace of mind
$0 fraud liability guarantee
Advanced fraud early warning alerts
Fraud specialists dedicated to helping you 24/7
Customer service that puts you first
One call and we take care of it
Talk to a knowledgeable person in less than a minute
Easy online account options that put you in control
Timely e-mail reminders to help you avoid fees
No annual fee
Formerly Discover Platinum Card
Choose Your Wildlife Card Design
*View Discover® Card Rates, Fees, Rewards and Other Important Information.
More info
Apply for Discover® More(SM) Card - Wildlife Collection |
| Discover® More(SM) Card - American Flag |
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Intro APR: 0%
Issuer: Discover®
0% Intro APR*
More ways to earn more cash - than anyone else.SM*
5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
Up to 1% Cashback Bonus on all other purchases automatically
Unlimited cash rewards
Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus Partners
Complete fraud protection for your peace of mind
$0 fraud liability guarantee
Advanced fraud early warning alerts
Fraud specialists dedicated to helping you 24/7
Customer service that puts you first
One call and we take care of it
Talk to a knowledgeable person in less than a minute
Easy online account options that put you in control
Timely e-mail reminders to help you avoid fees
No annual fee
Formerly Discover Platinum Card
American Flag Card Design
*View Discover® Card Rates, Fees, Rewards and Other Important Information.
More info
Apply for Discover® More(SM) Card - American Flag |
| Discover® More(SM) Card - Clear |
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Intro APR: 0%
Issuer: Discover®
0% Intro APR*
More ways to earn more cash - than anyone else.SM*
5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
Up to 1% Cashback Bonus on all other purchases automatically
Unlimited cash rewards
Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus Partners
Complete fraud protection for your peace of mind
$0 fraud liability guarantee
Advanced fraud early warning alerts
Fraud specialists dedicated to helping you 24/7
Customer service that puts you first
One call and we take care of it
Talk to a knowledgeable person in less than a minute
Easy online account options that put you in control
Timely e-mail reminders to help you avoid fees
No annual fee
Formerly Discover Platinum Card
*View Discover® Card Rates, Fees, Rewards and Other Important Information.
More info
Apply for Discover® More(SM) Card - Clear |
| Discover® Motiva(SM) Card |
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Intro APR: 3.9%
Issuer: Discover®
3.9% Intro APR*
Automatically get a Pay-On-Time BonusSM equal to a full month's interest each time you make 6 on-time payments in a row - twice a year, every year
5-20% Cashback Bonus* at top retailers through our exclusive online shopping site
Up to 1% unlimited Cashback Bonus on all other purchases
Unlimited cash rewards
Increase, even double, your rewards when you redeem for gift cards from over 80 Cashback Bonus Partners
Complete fraud protection for your peace of mind
$0 fraud liability guarantee
Advanced fraud early warning alerts
Fraud specialists dedicated to helping you 24/7
Customer service that puts you first
Free payment by phone
Timely e-mail reminders that help you avoid fees
One call and we take care of it
Talk to a knowledgeable person in less than a minute
Easy online account options that put you in control
No annual fee
*View Discover® Card Rates, Fees, Rewards and Other Important Information.
More info
Apply for Discover® Motiva(SM) Card |
| Chase Platinum Visa® Card |
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Intro APR: 0%
Issuer: Chase Manhattan Bank
0% Introductory APR for up to 12 months on all purchases and balance transfers*
No Annual Fee
Interest-free grace period when you pay your bill in full each month
Get great Platinum privileges
More info
Apply for Chase Platinum Visa® Card |
| Chase PerfectCardTM MasterCard® |
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Intro APR: 13.99%
Issuer: Chase Manhattan Bank
0% Introductory APR* on balance transfers
Earn a 6% rebate on all gasoline purchases for the first 90 days your account is open
Earn a 3% rebate on all gasoline purchases after the 90 day introductory period
Earn a 1% rebate on purchases
All the rebates you earn are automatically credited toward future purchases
More info
Apply for Chase PerfectCardTM MasterCard® |
| Chase Business Rebate Card |
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Intro APR: 0%
Issuer: Chase Manhattan Bank
3% Cash Back** for purchases
1% Cash Back on all other purchases
0% Intro FIXED APR for up to 12 billing cycles on purchases*
No Annual Fee
FREE additional cards
Up to $35,000 credit for your business
More info
Apply for Chase Business Rebate Card |
| Blue from American Express® |
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Intro APR: 0%
Issuer: American Express
0% introductory rate for purchases for 15 months
Then a fixed APR Prime + as low as 4.99%
No annual fee
Low Balance Transfer APR - 4.99% Fixed APR for the life of the balance.
Choose to carry a balance or pay in full
Blue is your launch pad to standout shopping and entertainment rewards and one-of-a-kind experiences.
Earn points that can be redeemed for gift cards, travel, merchandise, and unique entertainment experiences.
Express Approval. Get a decision in less than 60 seconds.
More info
Apply for Blue from American Express® |
| Clear from American Express® |
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Intro APR: 0%
Issuer: American Express
0.00% intro APR for up to 12 months.
5.99% fixed APR on balance transfers.
Automatic Rewards.
Flexibility to pay over time.
User-friendly credit report and score.
American Express World-Class Customer Service.
Earn automatic rewards faster with fee-free Additional Cards
More info
Apply for Clear from American Express® |
| Blue CashSM from American Express® |
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Intro APR: 0%
Issuer: American Express
No annual fee
Up to 5% cash back on all qualified purchases with Unlimited Cash Rewards
Flexibility to pay over time
"0% Intro APR for 6 months."
Online application approval decisions in under 60 seconds
Balance transfer requests submitted on application receive APR of 4.99% for life of the balance.
Go To Rate: Prime + as low as 4.99%
Express Approval. Get a decision in less than 60 seconds.
More info
Apply for Blue CashSM from American Express® |
| TrueEarnings® Card from Costco and American Express® |
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Intro APR: 1.99%
Issuer: American Express
Earn Cash Back - 3% for gasoline, 3% for restaurants, 2% for travel, 1% everywhere else, including Costco.1
No Annual Fee with your paid Costco Membership.
The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card.
The flexibility to pay charges over time.
No Limit on the Cash Back earned.
More info
Apply for TrueEarnings® Card from Costco and American Express® |
| Gold Delta SkyMiles® Credit Card |
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Intro APR: 9.99%+prime
Issuer: American Express
Fixed rate of 9.99% for the life of the balance on Balance Transfer requests submitted with the application.
Earn up to 17,500 bonus SkyMiles® - 15,000 bonus miles after your first purchase with the Card and 2,500 bonus miles for an Additional Cardmember
Earn at least 1 SkyMile for every eligible dollar you spend
Always Double Miles® on eligible everyday purchases and all Delta purchases
Your Delta Frequent Flyer number is printed on your Card
Pay with Miles: Pay for all or part of your flight with miles - and put the rest on your Card
Express Approval. Get a decision in less than 60 seconds.
More info
Apply for Gold Delta SkyMiles® Credit Card |
| SimplyCash® Business Card |
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Intro APR: 0%
Issuer: American Express
Earn 5% cash back on office supplies and wireless services.
Earn 3% cash back on automobile gas purchases of up to $12,000 per year; 1% thereafter.
Earn 1% on cash back on virtually all other purchases
Cash back is automatically credited to the statement each month
No fee with the flexibility to pay in full or carry a balance
0% introductory APR for UP TO 12 months
OPEN Savings®: Automatic discounts with FedEx, Delta®, Courtyard by Marriott®, and more
Additional Cards have no annual fee
More info
Apply for SimplyCash® Business Card |
| Wyndham Rewards Mastercard® |
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Intro APR: 0%
Issuer: Card issued by FIA Card Services, NA.
13 points for every $1 you spend on qualifying hotel stays - when you use your Wyndham Rewards MasterCard credit card at these participating hotel brands.§ Wyndham Hotels & Resorts, Ramada, Days Inn, Super 8, Wingate by Wyndham, Baymont, Howard Johnson, Travelodge (US hotels only), Knights Inn and Amerihost Inn.
2 Points for every $1 you charge on all other purchases§
0% Introductory Annual Percentage Rate (APR) for Cash Advance Checks and Balance Transfers through your first 12 billing cycles* (subject to a 3% transaction fee, no less than $10).
No Annual Fee
24 hour Online Access
Complete Fraud Protection
Credit Protection Available
More info
Apply for Wyndham Rewards Mastercard® |
| Bank of America PetRewardsTM Visa® |
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Intro APR: 0%
Issuer: Card issued by FIA Card Services, NA.
0% Intro APR for first six billing cycles.
No Annual Fee
Put your pet's picture on your card
Earn points toward veterinary services, pet food discount certificates, and shelter donations
More info
Apply for Bank of America PetRewardsTM Visa® |
| BoatU.S. WorldPoints® Platinum Plus® Visa® |
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Intro APR: 0%
Issuer: Card issued by FIA Card Services, NA.
Card issued by Bank of America, N.A. (USA)
Earn 1 point for every net retail purchase dollar spent and redeem your points for travel, merchandise, gift certificates, and cash§
Access to the MyConciergeSM service, a unique personal assistance service**
Absolute fraud protection against unauthorized use, online and offline
No annual fee
More info
Apply for BoatU.S. WorldPoints® Platinum Plus® Visa® |
| Advanta Platinum Business Card with Rewards Options |
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Intro APR: 0%
Issuer: Advanta
0% APR for 15 Months on Balance Transfers, 7.99% Fixed APR thereafter
7.99% Variable APR on Purchases
Choice of 5% Cash Back or Travel Rewards
No Annual Fee and No Limit on Earnings
$0 Fraud Liability
Personalized card -- your company name on the top of the card
More info
Apply for Advanta Platinum Business Card with Rewards Options |
| Advanta Platinum Business Card |
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Intro APR: 0%
Issuer: Advanta
0% Intro APR* on Purchases and Balance Transfers for 12 months
No Annual Fee
Detailed Expense Management Reports
Free Online Account Management
Customized Card with Your Business Name
Business Credit Line Up To $50,000
$0 Fraud Liability
Personalized Card -- your company name at the top of the card* See Terms & Conditions
More info
Apply for Advanta Platinum Business Card |
| Miles by Discover® Card |
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Intro APR: 0%
Issuer: Discover®
Book any travel, anytime with no blackout dates or restrictions
Double Miles on up to $3,000 in travel and restaurant purchases each year
1 Mile for every $1 on all your other purchases
Unlimited Miles that never expire as long as you use your card
Redeem for travel credits to your account, gift cards from any of our 80 brand-name Partners or cash starting at just 5,000 Miles
No Annual Fee
Online Account Access
Online Bill Payment
Complete Fraud Protection for Your Peace of Mind
$0 Fraud Liability Guarantee
Advanced fraud early warning alerts
Secure online account numbers
Fraud specialists dedicated to helping you 24/7
Customer Service That Puts You First
One call, we take care of it
Talk to a knowledgeable person in less than a minute
Easy online Account options that put you in control
Timely e-mails to help you avoid fees
More info
Apply for Miles by Discover® Card |
| Gold Delta SkyMiles® Business Credit Card |
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Intro APR: 9.99%+prime
Issuer: American Express
Earn 15,000 SkyMiles® with your first purchase and save 5% on all Delta flights with the Card.
Earn up to 30,000 Bonus Miles
One Delta mile for virtually every dollar you spend
Always Double Miles in select categories
Payment flexibility - Pay in full or over time
One Delta mile for virtually every dollar you spend
Unlimited fee-free Additional Cards
OPEN Savings®: Automatic discounts with FedEx, Delta®, Courtyard by Marriott®, and more
More info
Apply for Gold Delta SkyMiles® Business Credit Card |
| Discover® Open Road(SM) Card |
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Intro APR: 0%
Issuer: Discover®
0% Intro APR*
5% Cashback Bonus for your gas and auto maintenance purchases.
Earn up to 1% Cashback Bonus on all other purchases automatically
$0 fraud liability guarantee
Advanced fraud early warning alerts
Fraud specialists dedicated to helping you 24/7
Customer service that puts you first
One call and we take care of it
Talk to a knowledgeable person in less than a minute
Easy online account options that put you in control
Timely e-mail reminders to help you avoid fees
No annual fee
More info
Apply for Discover® Open Road(SM) Card |
| Union Plus Credit Card |
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Intro APR: 8.99%
Issuer: HSBC Bank Nevada, N.A
Attention Union Members! You're eligible for the exclusive Union Plus® Credit Card - the only card endorsed by your union. Join the 3 million members who carry the Union Plus® Credit Card.
No Annual Fee
8.99% Fixed APR on Balance Transfers for the life of the balance
$0 liability on any unauthorized charges
Personal Customer Service - Speak with a representative 24 hours a day
Online Balance Transfer immediately upon approval
Apply now and receive a response within 60 seconds
More info
Apply for Union Plus Credit Card |
| Chase TravelPlus Visa® Card |
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Intro APR: 0%
Issuer: Chase Manhattan Bank
Earn 1 mile for every dollar in purchases
Redeem your points for flights, hotel stays, car rentals, cruises and more!
Choose from over 250 airlines without restrictions
0% Introductory APR on purchases and balance transfers for up to 6 months
More info
Apply for Chase TravelPlus Visa® Card |
| MilesEdge® Platinum Visa® Card |
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Intro APR: 0%
Issuer: Card issued by FIA Card Services, NA.
Card issued by FIA Card Services, NA.
Up to $1,000,000 in travel accident insurance.
Auto rental insurance.
Extended warranty protection.
Various travel and emergency assistance services.
Medical referral services.
Legal referral services.
Lost luggage recovery.
Emergency airline ticket replacement.
No liability for unauthorized Internet transactions.
Optional personal photo on card.
Discounts on auto rentals.
Optional Mini Card.
See website for additional benefits.
*See website for complete terms and conditions of card usage and application disclosure. *Terms and Conditions
More info
Apply for MilesEdge® Platinum Visa® Card |
| Bank of America Financial Rewards® Visa® Platinum Plus® |
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Intro APR: 0%
Issuer: Card issued by FIA Card Services, NA.
Card issued by FIA Card Services, NA.
Earn points towards cash back
Mini Card available
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
More info
Apply for Bank of America Financial Rewards® Visa® Platinum Plus® |
| Bank of America Platinum Plus® Visa® Card |
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Intro APR: 0%
Issuer: Card issued by FIA Card Services, NA.
Card issued by FIA Card Services, NA.
Mini Card available
Photo Expressions available
0% Intro Annual Percentage Rate (APR)† on purchases and balance transfers for the first 6 months.
No Annual Fee
Credit lines as high as $25,000
Online Banking Service
Total Security Protection®
More info
Apply for Bank of America Platinum Plus® Visa® Card |
| Total Rewards® Credit Card |
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Intro APR: 0%
Issuer: Card issued by FIA Card Services, NA.
Card issued by FIA Card Services, NA.
Earn 1 Reward Credit for every $1 you charge in net retail purchases anywhere
0% Introductory Annual Percentage Rate (APR) on balance transfers and cash advance checks for one year
No annual fee
More info
Apply for Total Rewards® Credit Card |
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