Balance Transfer Credit Cards will Consolidate Your Debt

Balance Transfer Credit Cards

If you're not using a balance transfer credit card, ask yourself why? These cards have numerous advantages such as the 0% Intro APR that enables the consumer to save on interest expense. If you have good credit rating and paying high interest, now is the time to apply for a 0% introductory APR credit card and start saving on interest expense.

AMEX - The Delta Reserve Credit Card

The Delta Reserve Credit Card: Discover a noticeably richer travel experience.

Earn 10,000 Medallion(R) Qualification Miles (MQMs) with your first purchase, and Miles Boosts(SM) of up to 30,000 MQMs when you spend $60,000 in a calendar year
Annual complimentary First-Class companion ticket with Card renewal
Delta Sky Club(TM) access for you and your guests
Check your first bag free on every Delta flight
Rated 4 out of 5 stars in Overall Satisfaction Rating, based on feedback from current Delta Reserve Credit Cardmembers from American Express

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A	N/A	14.50% variable	$450.00/year	Yes	Excellent

IBERIABANK Visa Classic

Apply for the IBERIABANK Visa Classic today!

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.
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
Online access to credit card account information

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A	N/A	prime+4%-prime+10%	$0.00	Yes	Excellent

IBERIABANK Visa Gold

Apply for the IBERIABANK Visa Gold today!

No annual membership fee
Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate.
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
Earn 1% in cash back credit on all qualifying purchases
No limit on cash back; no expiration date on eligibility for accounts in good standing

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A	N/A	Prime+5%-Prime+11%	$0.00	Yes	Excellent

Discover - DiscoverÂ® MoreÂ® Card

With the Discover® More® Card consumers can earn 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall.

0% intro APR on balance transfers for 12 months, then the Regular APR
0% intro APR on purchases for 12 months, then the Regular APR
5% Cashback BonusÂ® 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

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%	Intro APR Period: Purchases=12 months;BT=12 months	11.99%-20.99% Variable	0.00	Yes	Good

Orchard BankÂ® Classic MasterCards

*DISCLOSURE - REQUIRED in additional information sections It is our goal to offer you the credit card that best fits your credit profile based on your consumer credit report and other information you provide us. You may be offered a secured card or an unsecured card which will be disclosed before your application is processed.

An excellent credit card for help 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 are available to remind you of your upcoming payment due date
On-call customer service representatives to assist you with questions or concerns

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A	N/A	7.90%-19.90%, based on creditworthiness	$0-$59 for the first year: $35-59 per year thereafter, based on creditworthiness	Yes	Fair

IBERIABANK Visa Platinum

Apply for the IBERIABANK Visa Platinum today!

No annual membership fee
Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate.
Low Introductory ARP 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
Earn 1 bonus point for every $1 in qualifying net retail purchases
Turn your points into hotel, gift, or experience rewards

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A	N/A	Prime+5%-Prime+11%	$0.00	Yes	Excellent

Discover - DiscoverÂ® Motiva^SM Card

Earn Cashback Bonus for your good credit management

Earn Cashback Bonus for your good credit management
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 15 months, then the Regular APR
3.99% intro APR on purchases for 12 months, then the Regular APR

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
3.99%	Purchases=12 months;Balance Transfer=15 months	11.99% - 20.99%	0.00	Yes	Good

AMEX - Starwood Preferred GuestÂ® Credit Card from American Express

Earn up to 25,000 Starpoints® - enough for up to 6 free nights at a category 1 or 2 hotel.

Earn up to 25,000 StarpointsÂ® - enough for two free nights at the Westin St. Francis in San Francisco, the W Boston or any other category 5 hotel.
Redeem Starpoint Â® for free nights at over 1,000 hotels and resorts in nearly 100 countries and for free flights on over 350 airlines - all with no blackout dates.
No annual fee for the first year and $65 thereafter.
Stay 2 nights and get the 3rd night free at participating SheratonÂ® Hotels and Resorts worldwide.
Earn 4 to 5 Starpoints for every dollar you spend at Starwood Preferred Guest Hotels and Resorts.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
2.90%	on purchases and balance transfers for 6 months	15.24% variable	45.00	Yes	Good

AMEX - American ExpressÂ® Gold Card

Earn 10,000 Membership Rewards(R) bonus points when you spend $500 in your first 3 months of Card membership - redeemable for select gift cards valued at $100!

Earn 10,000 Membership Rewards(R) bonus points when you spend $500 in your first 3 months of Card membership - redeemable for select gift cards valued at $100!
The Membership Rewards program - Turn your everyday purchases into Membership Rewards points, and then redeem them for an amazing collection of travel, shopping, dining and entertainment rewards.
Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.
Express Approval. Get a decision in 60 seconds.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A	N/A	N/A	125.00	Yes	Good

AMEX - Platinum Delta SkyMilesÂ® Credit Card from American Express

Earn 20,000 bonus miles with your first purchase and an additional 5,000 bonus miles when you add two Additional Card members to your account - redeem 25,000 miles for a flight

Earn 20,000 bonus miles with your first purchase and an additional 5,000 bonus miles when you add two Additional Card members to your account - redeem 25,000 miles for a flight
No mileage earning limit, and miles do not expire
Check your first bag free on every Delta flight
Annual complimentary companion ticket
Rated 4 out of 5 stars in Overall Satisfaction Rating, based on feedback from current Platinum Delta SkyMiles (R) Credit Cardmembers from American Express

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A	N/A	14.50% variable	$150 per year	YES	Good

IBERIABANK Visa Select

Apply for the IBERIABANK Visa Select Card

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 per
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
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 les
Online access to credit card account information

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
7.50%	12 months from date opened on Purchases	7.5%	35.00	Y	Excellent

The Most Beneficial Features of 0% APR Credit Cards. Apply Now!

The most beneficial feature of balance transfer cards is the popular 0% APR introductory interest rate that can last up to 12 months. These offers may only apply to the balance transfer and not to new purchases and cash advance. Therefore, making purchases and taking cash advance with your promotional offer credit card may result in paying multiple interest rates. Individuals who are planning to make purchases and carry a balance each month may be better off with low fixed interest rate. Customers will need to decide if a 0% intro APR or a low fixed interest rate card is better suited for their personal needs. It's not uncommon for the interest rate to shoot up dramatically after the introductory period expires. Therefore, customers should know what the interest rate will be after the promotional period ends.

The promotional offer or interest free period can save hundreds of dollars in interest expense. During this interest free period no interest is accrued if the account is in good standing. Many customers utilize the interest free period to move balance from high interest cards to low interest cards to save money on interest expense. These cards are also very important for customers who are planning to consolidate credit card loans, make large purchases and carry a balance from month to month. Credit card issuers charge a fee to do a balance transfer. This fee varies from bank to bank so it is a good idea to shop around for the best deal. Individuals with excellent credit score can ask to have the fee waived.

Low interest credit card can be very versatile because they have similar feature to a standard credit card with features such as cash back, rewards, no annual fees, bonus miles etc. It's important to compare features and apply for the one that fulfils your needs. Paying your entire outstanding credit card balance on time each billing cycle is the only way to avoid paying interest expense. This may not be financially feasible for many customers due to the fact that they do not have the available funds. Therefore, by using a low interest credit card to make purchases and maintaining a credit card balance will be the next best choice to save money on interest expense. The amount of interest accrue on your account depends on the interest rate you receive.

It's a common situation for individuals with bad credit to pay credit card companies large fees and finance charges. This situation keeps the card holder indebted to the credit card companies for years to come if no action is taken. This is a good reason to have excellent credit to avoid high finance charge and fees. Credit card issuers can change the rate of interest on your low interest credit card for several reasons such as making late payment, poor payment history with other creditors, applying for too much credit etc. To maintain good credit habits only charge what you know you can afford.

Individuals with good credit score may receive a credit decision within 60 seconds of filling out their online credit card application.