- Who: Consumers with a good credit score seeking to obtain a low introductory rate card
- Why: Credit Card Balance Transfers from high to low rate credit cards or financing new purchases with a low introductory rate card can result in big savings
- Drawbacks: The introductory period on these credit cards tend to be only for 6-12 months. Also, fees can be high.
Balance Transfer
Discover® More® Card
- 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
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 0% - BT | 12 months | 11.99% - 20.99% V | Yes | 4% | Excellent |
Citi® Platinum Select® MasterCard®
- 0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months. After that, the APR will be 11.99%-19.99% based upon your creditworthiness. This APR will vary with the market based on the Prime Rate*
- Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
- Citi® Identity Theft Solutions
- Secure, free online account management
- No annual fee*
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 0% | 18 months bt | 11.99-19.99% Variable* | Yes | 5% ($10 min)* | Good |
Chase FreedomSM Card
- 0% Intro APR and No Annual Fee
- 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy
- Unlimited 1% Cash Back on all other purchases with no spending tiers
- Up to an additional 20% cash back when you shop online at select merchants through Chase
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 0%* | 12 months on balance transfers; 6 months on Purchases | 12.99-22.99% Variable | Yes | 5% ($10 minimum) | Excellent |
Citi® Diamond Preferred® Card
- 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 14.99%. This APR will vary with the market based on the Prime Rate.
- Concierge service that caters to your needs 24/7
- Citi® Identity Theft Solutions
- Secure, free online account management
- No annual fee*
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 0% | 12 months | 14.99% Variable* | Yes | 5% ($10 minimum) | Good |
Discover® More® Card - $75 Cashback Bonus®
- 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
- Unlimited cash rewards that never expire
- Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards or instant eCertificates from over 100 brand-name Partners
- Flexible redemption options with no redemption fee. Choose from Partner gift cards, merchandise, Discover gift cards, credit to your Discover card account or an electronic deposit to your bank account
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 0% - BT | 12 months | 11.99 - 20.99% V | Yes | 4% | Excellent |
Citi® Dividend Platinum Select® MasterCard®
- 0% Intro APR on Balance Transfers for 15 months. After that, the APR will be 12.99%-20.99% based on your creditworthiness*. This APR will vary with the market based on the Prime Rate.
- Earn 5% cash back at restaurants and on car rentals and hotels from 7/1/10 to 9/30/10. Enrollment required each quarter.
- Full 1% cash back on eligible purchases and cash advances.
- Earn extra cash back on popular, rotating categories each quarter.
- Average 5% additional cash back through Citi Bonus Cash Center®
- No Annual Fee
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 0% - BT | 15 months | 12.99 - 20.99% Variable | Yes | 4% ($5 minimum) | Good |
PenFed Promise VISA Card
- Absolutely No Fees
- Introductory Purchase Rate – 7.49% APR for the first 36 months. Afterwards, the APR will vary with the Prime Rate and is currently 9.99% APR.
- No Foreign Transaction Fees
- Some restrictions apply.
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 7.49% | 36 months | 9.99% V | Yes | None | Excellent |
SlateSM from Chase
- 0% Intro APR for up to 12 months
- No Annual Fee
- New innovative card design
- Blueprint free and customizable account features that help you avoid unnecessary interest and pay your balances down faster
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 0%* | Up to 12 months* | 13.24, 17.24, or 22.24% Variable | Yes | 3% ($5 minimum) | Excellent |
Discover® More® Card – Black
- 0% intro APR on balance transfers for a full 12 months, then the regular apr
- 0% intro APR on purchases for a full 9 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
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 0% - BT | 12 months | 11.99 - 20.99% V | Yes | 4% | Excellent |
Discover® Motiva(SM) Card
- 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
- 3.99% intro APR on purchases for a full 12 months, then the regular apr See the online Discover credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now" button, you can review the credit card terms and conditions on Discover’s website.
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 3.99% BT | 12 months | 11.99% - 20.99% V | Yes | 3% | Excellent |
Iberiabank Visa® Classic
- 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. (If there is an interest charge, the charge will be no less than $1.00).
- 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 of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 1.99% BT | 6 months | 7.25 - 13.25% V | Yes | 2% | Excellent |
Iberiabank Visa® Select
- 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 period.
- 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 of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
- 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 less then $1.00).
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 0% - Purchases | 12 months | 7.50% Variable | Yes | 3% | Excellent |









