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Balance Transfer Credit Card Offers for Student

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If you are currently carrying a lot of debt on a credit card with a high interest rate, a balance transfer card can be your ticket to a fresh start. Balance transfer cards let you move the balance that you owe on one credit card over to a new card, getting you better rates on the debt that you already have, and better rates for any additional purchases you might make. Using balance transfer cards can keep your interest payments manageable and affordable, and eventually help get you out from underneath your debt.

Transfer higher interest balances to lower
interest accounts and start saving money
Consolidate several accounts and make a single monthly payment
Consider the long term rates on balance transfer cards, not just the introductory rate

| Cards for Consumer | Cards for Student | Cards for Business |

Credit Card Offers Found: 6

Capital One® Standard Platinum for Students

Needs Some Improvement Credit*

Most Attractive:	Common platinum benefits.
Special Offer:	A 0% intro rate is available on purchases until October 2008

(MasterCard)

Click here to apply for Capital One® Standard Platinum for Students

If you have a limited credit history and are starting to establish a credit foundation, this card can grow while providing great benefits
0% APR on purchases until October 2008. After that, variable APR, currently 17.8%
No annual fee or balance transfer fees
A manageable credit line to help control your finances
$0 fraud liability if your card gets lost or stolen
Online account services
See Capital One® important disclosures for more information.
Benefit Rating:

0% Intro APR on Purchases for until October 2008
17.8% Regular Variable APR for Purchases
20.9% Regular Variable APR for Cash Advances

Bonus on First Purchase: n/a
25 days Grace Period

(* A 0% introductory rate is available on purchases until October 2008)

Important Notes:

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

Citi® mtvU™ Platinum Select® Visa® Card for College Students

Poor/Bad Credit OK*

Most Attractive:	0% introductory rate for all transactions; student-related discounts; no annual fee; additional points earned for maintaining good grades and paying in a timely manner.
Special Offer:	0% for 6 months and is applied to Purchases, Balance Transfers, Cash Advances.

(Visa)

0% APR for 6 months on purchases, cash advances and balance transfers
No Annual Fee
Earn 5 ThankYou Points® for every dollar you spend at restaurants, bookstores, record stores, movie theaters and video rentals stores.
Earn 1 ThankYou Point for every dollar you spend on all other purchases.
Earn 25 ThankYou Points for paying on time.
Earn 250-2000 ThankYou Points twice a year for maintaining a good GPA.
Redeem points for gift cards, MTV events, and airline tickets.
No balance transfer fee with this offer
Benefit Rating:

0% Intro APR on Purchases, Balance Transfers for 6 months
12.99% Regular Variable APR for Purchases
19.99% Regular Variable APR for Cash Advances

Points per Dollar: 1.00 Point
Bonus on First Purchase: n/a
20 days Grace Period

(* 0% APR for 6 months on purchases, cash advances and balance transfers)

Important Notes:

Estimate Reward Earnings

No minimum income or co-signer required to activate an account.
See website for complete terms and conditions of card usage and application disclosure.

Chase +1SM Student MasterCard®

Poor/Bad Credit OK*

Most Attractive:	0% APR for up to 6 months, No Annual Fee.
Special Offer:	0% Intro APR on all purchases and balance transfers for up to 6 months

(MasterCard)

0% Intro APR for 6 months
No Annual Fee
Earn 15 Karma Points just by getting approved for a Chase credit card
Share points with friends, give points to support causes
Get music, movies, electronics and more with your Karma Points in the Chase +1 store
Earn more Karma Points at Facebook.com/plus1
Get the limited edition Facebook t-shirt with 10 Karma Points
Benefit Rating:

0% Intro APR on Purchases, Balance Transfers for 6 Months
14.99% Regular Variable APR for Purchases
20.99% Regular Variable APR for Cash Advances

Points per Dollar: 1.00 Point
20 days Grace Period

(* 0% Intro APR on all purchases and balance transfers for up to 6 months)

Important Notes:

Estimate Reward Earnings

The following APRs may vary monthly based on the Prime Rate: Purchase and Balance Transfer APR: The Prime Rate plus, as applicable, 9.99% or 14.99% for outstanding and new balances after the introductory period. Cash Advance APR: The Prime Rate plus 15.99%. Default APR: The Prime Rate plus up to 23.99%.

Discover® Student Card - Tropical Beach

Good Credit*

Most Attractive:	Double cash rebates at participating retailers and merchants (through the Cashback Bonus® award program); no annual fee.
Special Offer:	0% for 6 months and is applied to Purchases.

(Discover Card)

Click here to apply for Discover® Student Card - Tropical Beach

Build Your Credit History
0% Interest* on Purchases for 6 Months
No annual fee
No Minimum Income or Cosigner Required
Easy Online Account Management Tools
Up to 1% Cashback Bonus on all purchases automatically
Double Rewards with More than 80 Cashback Bonus Partners*
*View Discover® Card Rates, Fees, Rewards and Other Important Information
Benefit Rating:

0% Intro APR on Purchases for 6 months
16.99% Regular Variable APR for Purchases
23.99% Regular Fixed APR for Cash Advances

Rebate Amount: Up to 5%
Bonus on First Purchase: n/a
25 days Grace Period

(* There is a 0% introductory APR* on purchases for 6 months)

Important Notes:

Estimate Reward Earnings

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

Citi® Driver's Edge® Card for College Students

Poor/Bad Credit OK*

Most Attractive:	No annual fee; access to rebate program; 0% introductory rate for all transactions.
Special Offer:	0% for 6 months and is applied to Purchases, Balance Transfers, Cash Advances.

(Visa)

Click here to apply for Citi® Driver's Edge® Card for College Students

0% APR for 6 months on purchases, cash advances and balance transfers
No Annual Fee
Earn 3% rebates on purchases made at supermarkets, drug stores and gas stations
Earn 1% rebates on other purchases
Redeem up to $5,000 on the next vehicle, new or used
Build your credit history
Earn money for the miles you drive!
No minimum income or co-signer required
Benefit Rating:

0% Intro APR on Purchases, Balance Transfers for 6 months
14.99% Regular Variable APR for Purchases
19.99% Regular Variable APR for Cash Advances

Rebate Amount: Up to 3%
Bonus on First Purchase: n/a
20 days Grace Period

(* 0% APR for 6 months on purchases, cash advances and balance transfers)

Important Notes:

Estimate Reward Earnings

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

Citi® Upromise® Platinum Select® MasterCard®

Excellent Credit*

Most Attractive:	Long term 0% introductory rate; college savings reward program; no annual fee.
Special Offer:	0% for 12 months and is applied to Balance Transfers.

(MasterCard)

0% APR on balance transfers for 12 months
No Annual Fee
1% college savings on purchases, everywhere you shop!
2% college savings on eligible gas purchases at Exxon & Mobil locations
Plus 10% college savings on thousands of participating grocery and drug store items
Balance transfer fee applies with this offer
If you have good credit, apply today
Benefit Rating:

0% Intro APR on Balance Transfers for 12 months
10.99% Regular Variable APR for Purchases
19.99% Regular Variable APR for Cash Advances

Rebate Amount: Up to 10%
Bonus on First Purchase: n/a
20 days Grace Period

(* 0% APR on balance transfers for 12 months)

Important Notes:

Estimate Reward Earnings

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

It isn't the principal on your credit card that gets you-it's the interest you pay on it. If you've accumulated a fair amount of debt, and you are carrying it on a credit card with a high interest rate, it might be time for you to think about balance transfer cards. While your current credit card is charging you a high interest rate on the amount you owe, balance transfer cards can offer you a lower interest rate-frequently, even a period with no interest at all-and a way to get yourself back in control of your debt. Balance transfer cards can get you the interest rates you can manage, and the time you need to really start paying off your principal.

How can balance transfer cards do this? Balance transfer cards simply take on whatever amount you owe on another credit card, and apply their own rates instead of the other card's. This means that you can get away from a credit card with a bad interest rate, but it also means you have to pay close attention to the details. You want balance transfer cards that are going to help your financial situation, not saddle you with an even higher interest rate.

There are several things you need to examine when you are looking at different balance transfer cards. One of the first and most important things for you to think about is the introductory rate. First, find out if the balance transfer cards that you are looking at have one. An introductory rate is the rate that the credit card company will offer you for a period of time after you've signed up for their card. Ideally (and frequently), the introductory rate on balance transfer cards will be zero percent, giving you a little time in which to pay down your principal, without any interest adding up.

Next, you need to make sure that the introductory rate offered by the balance transfer cards that you're looking at actually applies to balance transfers. Often, credit cards will have different rates for normal purchases than for balance transfers, so you want to be sure that the balance transfer cards that you are considering have an low interest rate that applies specifically to balance transfers. Otherwise, you might just be hopping out of the frying pan and into the fire. Also, make sure that the introductory rate that is advertised is the rate that you will get. Rates frequently depend on your credit history, so don't just assume that you automatically got the rates you read about in an ad, without looking at the terms on your contract.
Another important thing to consider when you're looking at balance transfer cards is the duration of the introductory period. Most balance transfer cards offer an introductory period that lasts from six months to a year. Try to shoot for the balance transfer cards with the longest introductory periods, to get yourself the most time possible with the lowest rates. Balance transfer cards with an introductory rate of zero percent interest and a one-year introductory period will give you an entire year to pay off your principal, without accruing any more interest.

Finally, you need to make sure that the balance transfer cards that you are considering are the right financial choice for you in the long run. Even if the introductory rates on the balance transfer cards that you're looking at are incredible, if the interest rates jump to an unmanageable level after the introductory period ends, the cards you're looking at probably aren't a great choice. Used properly, balance transfer cards can get you the time you need to get your finances in order, so make sure you know what you're doing before you sign a contract.