Consolidate Debt with Balance Transfer Credit Cards

0% APR CREDIT CARDS

If you're not using a low interest 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.

Consolidate Debt with Balance Transfer Credit Cards

Miles by Discover^® Card

Sign up for the Miles by Discover^® Card today and travel with no restrictions, Earn Miles Faster and redeem for your choice of rewards. Apply Now!

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 â€“ personal and business
Unlimited Miles
Redeem for travel credits to your account, gift cards from any of our 90 brand-name Partners or cash
No Annual Fee
Online Account Access
Online Bill Payment

*View Rates, Fees, Rewards and Other Important Information

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%	Purchases=6 months;Balance Transfer=12 months	11.99%	$0.00	Yes	Good

AMEX – Platinum Card^® from American Express

Experience the service, rewards, and world-class benefits that are the hallmarks of the Platinum Card^® . Apply today!

Make everyday purchases count twice: For a limited time, you can earn double membership rewards points on gas and groceries for your first year.
Earn 25,000 Membership Rewards^® bonus points when you spend $1,000 in 3 months - Reedeemable for one round-trip domestic airline ticket!
24-hour access to Concierge service for the finest experiences in dining, entertainment, and luxury
Fine Hotels & Resorts Program - Exclusive amenities at boutique, resort, and luxury hotels around the world
By Invitation Only^® Events - access to exclusive, once-in-a-lifetime events
Complimentary Airport Club Access

*See Card Terms and Conditions

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A	N/A	N/A	$$450	No	Excellent

Starwood Preferred Guest^® Credit Card from American Express

Apply today for the Starwood Preferred Guest^® 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.
Use Starpoints^® for free nights and upgrades at over 860 participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates
No annual fee for the first year and $45 thereafter
Transfer Starpoints^® – almost always on a 1:1 basis – to the frequent flyer programs of over 30 major airlines
Earn one Starpoint^® for every dollar you spend and double Starpoints^® at participating Starwood properties and retail partners
Express Approval. Get a decision in less than 60 seconds.

*See website for complete terms and conditions of card usage and application disclosure.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
2.90%	6 months	13.24%	$45.00	Yes	Good

MBNA Gold MasterCard^® Credit Card – Fixed 9.99% AIR

Credit limit up to $100,000. International acceptance at millions of locations. Immediate cash access at 430,000 ABMs internationally.

9.99% Annual Interest Rate on Purchases and Cash Advances
No Annual Fee
Around-the-clock fraud protection
Online access to your credit card account
Unparalleled 24-hour Customer service
Immediate cash access at 430,000 ATMs internationally

*Please refer to online application legal disclosures

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A	N/A	9.99%	$0.00	Yes	Good

MBNA Platinum PlusÂ® MasterCard^® Credit Card

No annual fee and around-the-clock fraud protection. Unparalleled 24-hour customer service. International acceptance at millions of locations.

1.99% introductory Annual Interest Rate for 10 months on Cheque Cash Advances and Balance Transfers*
17.99% Annual Interest Rate on Purchases and 19.99% Annual Interest Rate on Cash Advances
Around-the-clock fraud protection
Online access to your credit card account
Unparalleled 24-hour Customer service
Immediate cash access at 430,000 ATMs internationally

*Please refer to online application legal disclosures

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A	N/A	17.99%	$0.00	Yes	Good

MBNA WorldPoints^® MasterCard^® Credit Card

The most rewarding MasterCard^® Credit Card. Introductory bonus of 1,000 WorldPoints^®*

1,000 Bonus WorldPoints after your first purchase*
No Annual Fee
19.99% Annual Interest Rate on Purchases and 19.99% Annual Interest Rate on Cash Advances
Earn 1 WorldPoint for every $1 in net retail purchases*
Around-the-clock fraud protection
Online access to your credit card account

*Please refer to online application legal disclosures

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A	N/A	19.99%	$0.00	Yes	Good

AMEX – TrueEarningsSM Card from Costco and American Express

Apply today for the True Earnings^® Card from Costco and American Express.

Earn cash back on gas and a $25 statement credit with your first purchase made with the Card!
Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
No Annual Fee with your paid Costco Membership
The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
No Limit on the Cash Back earned

*See Card Terms and Conditions

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%	for up to 3 months	13.24%	$0	Yes	Excellent

MBNA PremierRewards^® MasterCard^® Credit Card

Use your MBNA PremierRewards^® Platinum Plus^® MasterCard^® credit card for every day shopping, groceries, gasoline, even to pay your utility bills and get 1% back*! Your payment will automatically be credited back to your account in January.

1% back on all net retail purchases*
No Annual Fee
19.99% Annual Interest Rate on Purchases and 19.99% Annual Interest Rate on Cash Advances
Around-the-clock fraud protection
Online access to your credit card account
Unparalleled 24-hour Customer service

*Please refer to online application legal disclosures

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A	N/A	19.99%	$0.00	Yes	Good

Discover^® More^® Card – Clear

Apply today for the Discover^® More^® Card - Clear!

5% Cashback Bonus^®* in categories that change like travel, home improvement stores, department stores, gas, groceries, restaurants and many 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
Turn your Cashback Bonus into bigger rewards everytime when you redeem for gift cards from over 100 brand-name Partners
No Annual Fee
Online Account Access
Online Bill Payment

*View Rates, Fees, Rewards and Other Important Information

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%	6 months for Purchases & Balance Transfers	11.99% - 18.99%	$0.00	Yes	Good

Discover^® More^® Card

Apply today for the Discover^® More^® Card!

5% Cashback Bonus^®* in categories that change like travel, home improvement stores, department stores, gas, groceries, restaurants and many 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
Turn your Cashback Bonus into bigger rewards everytime when you redeem for gift cards from over 100 brand-name Partners
No Annual Fee
Online Account Access
Online Bill Payment

*View Rates, Fees, Rewards and Other Important Information

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%	6 months on purchases and balance transfers	11.99% - 18.99%	$0.00	Yes	Good

Pharmaprix MasterCard^® Credit Card

Apply for the Pharmaprix MasterCard^® Credit Card!

Earn 25 pointsii for every $1 in purchases at Pharmaprix using your Pharmaprix Optimum MasterCard^® when you show your Pharmaprix Optimum Card^®
No Annual Fee
1.99% Introductory Annual Interest Rate on Cheque Cash Advances and Balance Transfers* for 6 months
Feel secure with around-the-clock fraud protection
Enjoy free online access to your credit card account
19.99% Annual Interest Rate on Purchases and 19.99% Annual Interest Rate on Cash Advances

*Please refer to online application legal disclosures

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
1.99%	on Balance Transfers	19.99%	$$0.00	Yes	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.

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