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Balance Transfer Credit Card Offers

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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

Discover® More Card

Good Credit*

Most Attractive:	Double cash rebates at participating retailers and merchants (through the Cashback Bonus® award program); 0% introductory rate; no annual fee.
Special Offer:	0% for 12 months and is applied to Balance Transfers.

(Discover Card)

Click here to apply for Discover® More Card

0% Intro APR
No Annual Fee
5% Cashback Bonus in categories like travel, home, apparel, gas, restaurants, movies and more
5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
Up to 1% unlimited Cashback Bonus on all other purchases
Easy online Account management tools
View Discover® Card Rates, Fees, Rewards and Other Important Information
Benefit Rating:

0% Intro APR on Balance Transfers for 12 months
10.99% Regular Variable APR for Purchases
23.99% Regular Fixed APR for Cash Advances

Rebate Amount: Up to 5%
25 days Grace Period

(* There is a 0% introductory APR on purchases for 6 months and a 0% introductory APR on balance transfers for 12 months)

Important Notes:

Estimate Reward Earnings

The APR for purchases and balance transfers varies according to the applicant's credit history and may range from 10.99% - 18.99%.
See website for complete terms and conditions of card usage and application disclosure.

Blue from American Express®

Good Credit*

Most Attractive:	Access to Membership Rewards Express(SM) program; various benefits and services available to cardholders; introductory rate; no annual fee.
Special Offer:	0% for 15 months and is applied to Purchases.

(American Express)

0% APR on purchases for up to 15 months
Low Balance Transfer APR - 4.99% Fixed APR for the life of the balance
No Annual Fee
Membership Rewards Express SM Program
Blue is Your Launch Pad to Standout Shopping and Entertainment Rewards and One-of-a-Kind Experiences
Benefit Rating:

0% Intro APR on Purchases for 15 months
10.24% Regular Variable APR for Purchases
20.24% Regular Variable APR for Cash Advances

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

(* 4.99% Fixed APR for the life of the balance)

Important Notes:

Estimate Reward Earnings

Card is currently unavailable to residents of Puerto Rico.
The APR for purchases varies according to the applicant's credit history and will be 3.99%, 5.99%, 8.99% or 10.99% + Prime Rate.
See website for complete terms and conditions of card usage and application disclosure.

Discover® More Card - American Flag

Excellent Credit*

Most Attractive:	Double cash rebates at participating retailers and merchants (through the Cashback Bonus® award program); no annual fee; 0% introductory rate.
Special Offer:	0% for 12 months and is applied to Balance Transfers.

(Discover Card)

Click here to apply for Discover® More Card - American Flag

0% Intro APR
No Annual Fee
5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
Up to 1% unlimited Cashback Bonus on all other purchases
Easy online Account management tools
5% Cashback Bonus in categories like travel, home, apparel, gas, restaurants, movies and more
View Discover® Card Rates, Fees, Rewards and Other Important Information
Benefit Rating:

0% Intro APR on Balance Transfers for 12 months
10.99% Regular Variable APR for Purchases
23.99% Regular Fixed APR for Cash Advances

Rebate Amount: Up to 5%
25 days Grace Period

(* There is a 0% introductory APR on purchases for 6 months and a 0% introductory APR on balance transfers for 12 months)

Important Notes:

Estimate Reward Earnings

Citi® Diamond Preferred® Card

Good Credit*

Most Attractive:	Long term 0% introductory rate; no annual fee; reasonable APR.
Special Offer:	0% for up to 12 months and is applied to Purchases, Balance Transfers.

(MasterCard)

Click here to apply for Citi® Diamond Preferred® Card

0% APR on balance transfers and purchases for up to 12 months
No Annual Fee
$0 Liability on unauthorized purchases
Secure, free online acount management
Citi® Indentity Theft Solutions
Benefit Rating:

0% Intro APR on Purchases, Balance Transfers for up to 12 months
as low as 8.49% Regular Variable APR for Purchases
19.99% Regular Variable APR for Cash Advances

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

(* The introductory rate is available on purchases and balance transfers for up to twelve months.)

Important Notes:

The APR for purchases and balance transfers varies according to the applicant's credit history and will be 1.99%, 4.99%, or 6.99% + Prime Rate.
See website for complete terms and conditions of card usage and application disclosure.

IN:NYC® Card from American Express

Good Credit*

Most Attractive:	Double points earned on City Essentials; additional NYC benefits and services for cardholders; no annual fee; reasonably low APR for purchases.
Special Offer:	0% for 6 months and is applied to Purchases, Balance Transfers.

(American Express)

0% Introductory APR for 6 months on purchases
No annual fee
Option to carry a balance
One INSIDE Rewards point for every dollar spent
Plus INSIDE Double points on City Essentials
Benefit Rating:

0% Intro APR on Purchases, Balance Transfers for 6 months
9.24% Regular Variable APR for Purchases
20.24% Regular Variable APR for Cash Advances

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

(* 0% Intro APR for 6 months on purchases)

Important Notes:

Estimate Reward Earnings

Card is currently unavailable to residents of Puerto Rico.
See website for complete terms and conditions of card usage and application disclosure.

Chase Platinum Visa®

Good Credit*

Most Attractive:	0% introductory rate; no annual fee; access to free rewards program.
Special Offer:	0% for 12 months and is applied to Purchases, Balance Transfers.

(Visa)

0% Intro APR for Up To 12 Months on Purchases and Balance Transfers
No Annual Fee
FREE Online Account Access
FREE Travel Services
Benefit Rating:

0% Intro APR on Purchases, Balance Transfers for 12 months
11.24% Regular Variable APR for Purchases
21.24% Regular Variable APR for Cash Advances

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

(* 0% Intro APR for Up To 12 Months on Purchases and Balance Transfers)

Important Notes:

Estimate Reward Earnings

The APR for purchases varies according to the applicant's credit history and will be 5.99%, 9.99% or 14.99% + Prime Rate.
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.