Balance Transfer

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.

 

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% 45.00 Y Excellent

Biodegradable Discover® More® Card

Put more green in your wallet with the Biodegradable Discover® More® Card. New biodegradable card plastic breaks down 99% within five years in landfill conditions and leaves no toxic effects behind.

  • 0% intro APR on purchases and balance transfers for 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
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0%* *See terms 11.99% - 20.99% $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
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

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 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
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% Intro APR Period: Purchases=6 months;BT=15 months 11.99% - 20.99% 0.00 Yes Good

Orchard Bank® Classic MasterCards

The Orchard Bank® MasterCard® is an excellent credit card choice for people looking to build their credit. Get prequalified online in just 30 seconds!

  • 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
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A See website 7.90% - 28.90% $0-$74 the first year; $35-$79 per year thereafter Yes Fair

MBNA - Best Western MasterCard® Credit Card

This program gives Canadian consumers the opportunity to apply for the Best Western MasterCard® Credit Card. With the Best Western MasterCard® Credit Card, Earn Gold Crown Club points for your everyday expenses!

  • Earn 1.5 Best Western Rewards points for every $1 in net retail purchases*
  • Receive 20,000 bonus Best Western Rewards points after your first qualifying purchase
  • No Annual Fee
  • 19.99% Annual Interest Rate on Purchases and 19.99% Annual Interest Rate on Cash Advances
  • Around-the-clock fraud protection
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A 19.99% $0.00 Yes Excellent

MBNA PremierRewards® MasterCard® Credit Card

Use your MBNA PremierRewards%%RT%% Platinum Plus%%RT%% MasterCard%%RT%% 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
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A 19.99% 0.00 Yes Good

Discover® MotivaSM Card

The MotivaSM Card was designed for consumers who carry a balance and feel underappreciated by card issuers rather than rewarded for being some of their best customers. Each time cardholders make six consecutive on-time monthly payments with the Discover MotivaSM Card, they receive their next month's interest back as a Pay-On-Time Bonus.

  • 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
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

American Express® Gold Card

Consumers can experience exclusive shopping, entertainment and travel and earn 10,000 Membership Rewards® bonus points after your first purchase with the card - redeemable for a $100 gift card!

  • Earn 10,000 Membership Rewards® bonus points when you spend $500 in 3 months - redeemable for a $100 gift card!
  • The Membership Rewards® program - Earn 1 Membership Rewards® point for virtually every dollar you spend and redeem for your choice of travel, shopping, 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 less than 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

MBNA Platinum Plus® 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
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A 17.99% 0.00 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
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A 9.99% 0.00 Yes Good

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

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

Discover ® More ® Card - Clear

Sign up for a Discover® More® Card - Clear card today and enjoy 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall.

  • 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
  • 0% intro APR on purchases and balance transfers for 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
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 6 months on Purchases & Balance Transfers 11.99% - 20.99% 0.00 Yes Good

AMEX - 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.

  • 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 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
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 - Platinum Delta SkyMiles® Credit Card from American Express

Earn 20,000 bonus SkyMiles(R) (including 5,000 Medallion Qualification Miles) after first purchase and another 2,500 for adding an Additional Cardmember

  • Earn 20,000 bonus SkyMiles(R) (including 5,000 Medallion Qualification Miles) after first purchase and another 2,500 for adding an Additional Cardmember
  • Earn one companion Coach Class ticket each year upon renewal
  • Earn at least 1 mile for every eligible dollar spent1 mile for eve
  • Miles never expire and there is no cap on the miles you can earn
  • Pay with Miles: Pay for all or part of your flight with miles - and put the rest on your Card
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

AMEX - The Delta Reserve Credit Card

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

  • Annual First-Class companion certificate, which can be used for a First-Class or Coach-Class ticket!
  • Earn up to 10,000 Medallion(R) Qualification Miles (MQMs) after your first purchase
  • Built-in Miles BoostSM - earn up to 30,000 MQMs and 30,000 bonus miles
  • Complimentary Crown Room Club(R) access for you and two guests
  • Access to American Express(R) Concierge Services
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 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

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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