Balance Transfer Credit Card Offers

Most credit cards offer some form of balance transfer. The more attractive offers have low or 0 interest rate and no transfer fee. The transfer fee can be quite high on some cards. This is an important area to investigate. The advantages of balance transfer are having only one credit card to pay, decreasing your monthly payment and lowering the interest rate on balance transfers from higher interest cards. The later benefit can save a great deal of your hard earned cash.

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TrueEarnings® Card from Costco and American Express

American Express Card and Costco Membership Card in one — with no annual fee for Costco members
Cash back on the things you buy: 3% on restaurants and gasoline up to $3,000 annually, 2% for travel, and 1% almost everywhere else
Rated 4.5 out of 5 stars in overall satisfaction by current TrueEarnings Cardmembers from Costco and American Express Get approved in 60-seconds.

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0%* Intro APR

6 months on Purchases*Intro Period

15.24% (V)*APR

$0.00*Annual Fee

4.5

United MileagePlus® Explorer Visa® Card

Earn up to 40,000 bonus miles & first year free, a $95 value*
First checked bag is free for you and a companion when you fly United flights, up to a $50 value
Board your flight before general boarding with priority boarding privileges
Visit the United Club with two complimentary day passes every year, up to a $100 value
Earn 2 miles for each $1 spent on airline tickets purchased from United and 1 mile per $1 for everything else
Your miles don't expire and there is no limit to the number of miles you can earn

N/A* Intro APR

N/A*Intro Period

15.24% (V)*APR

$0.00*Annual Fee

4.5

FREE SPIRIT™ Onyx World MasterCard®

15,000 bonus miles after your first purchase - which is enough for 3 FREE roundtrip off-peak award tickets
10,000 additional miles for balance transfers made in the first 60 days after account opening
Annual fee waived for the first year
Complimentary $9 Fare Club membership (a $39.95 value!)
Priority boarding and domestic priority check-in
3 miles for every $1 spent on Spirit and 1 mile for every $1 spent anywhere else
Your miles never expire and more

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0%* Intro APR

6 months*Intro Period

15.24%*APR

$0.00*Annual Fee

4.5

Chase Sapphire Preferred℠ Card

Earn 40,000 bonus points after you spend $3,000 in the first 3 months – that's $500 toward travel rewards!
2 points per dollar spent on travel and at restaurants & 1 point per dollar spent on all other purchases.
Get 20% off airfare, hotels, car rentals and cruises when you book through Ultimate RewardsSM
No foreign transaction fees
Receive a 7% annual dividend on all new points earned – even on points already redeemed
1:1 point transfer to participating frequent travel programs
Direct access to expert service advisors anytime
No Annual Fee for your first year – A $95 value

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N/A* Intro APR

N/A*Intro Period

15.24% (V)*APR

$95.00*Annual Fee

4.5

Southwest Airlines Rapid Rewards® Plus Card – FREE FLIGHT

NOW! Earn a FREE FLIGHT after your first purchase
Get 3,000 Points every year on your Card member Anniversary – that can be redeemed for a $50 Wanna Get Away® Fare
Now you can redeem for International Travel, Hotels, Gift Cards and more.
Earn unlimited FREE FLIGHTS – 2 Points per $1 Spent on Southwest Purchases and 1 Point per $1 Spent on EVERYTHING else
Your Bags Fly FREE! No Blackout Dates, Points Don't Expire, and Unlimited Reward Seats!
No Change fees – if you need to change your flight, you won't be charged a fee
September 11th Security Fee Applies

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N/A* Intro APR

N/A*Intro Period

15.24% (V)*APR

$69.00*Annual Fee

5.0

Marriott Rewards® Premier Credit Card from Chase

Earn 50,000 Bonus Points after your first use
Receive 1 free night stay upon account approval and each year upon account anniversary
Earn 5 points for every $1 spent at Marriott® locations
Earn 2 points for every $1 spent on qualifying airline, dining, and rental car purchases
Earn 1 point for every $1 spent on other purchases
No foreign transaction fees
Cardmembers achieve Silver elite status with 15 nights credit toward Elite status
Redeem Marriott Rewards® points at Marriott properties including Renaissance Hotels, Courtyard, Residence Inn, and Fairfield Inn & Suites
No annual fee for first Year Free, then $85

N/A* Intro APR

N/A*Intro Period

15.24% (V)*APR

$85.00*Annual Fee

4.5

Chase Sapphire Preferred℠ MasterCard

Earn 40,000 bonus points after you spend $3,000 in the first 3 months – that's $500 toward travel rewards!
2 points per dollar spent on travel and at restaurants & 1 point per dollar spent on all other purchases.
Get 20% off airfare, hotels, car rentals and cruises when you book through Ultimate RewardsSM
No foreign transaction fees
Receive a 7% annual dividend on all new points earned – even on points already redeemed
1:1 point transfer to participating frequent travel programs
Direct access to expert service advisors anytime
No Annual Fee for your first year – A $95 value

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N/A* Intro APR

N/A*Intro Period

15.24% (V)*APR

$95.00*Annual Fee

4.5

Hyatt Credit Card

Begin with 2 Award Nights at Hyatt properties worldwide, after making your first purchase with the Hyatt Credit Card
Receive 1 Anniversary Award Night each year in category 1-4 properties
No foreign transaction fees and Smart Chip protection on international purchases
3 Hyatt Gold Passport points for every $1 spent with your Hyatt Card at all Hyatt properties
1 Hyatt Gold Passport point for every $1 spent on purchases elsewhere
There are no limits to the points you can earn
Award nights with no resort, Internet or redemption fees

N/A* Intro APR

N/A*Intro Period

15.24% (V)*APR

$75.00*Annual Fee

4.0

Ritz-Carlton Rewards® Credit Card

The world-class service you experience when staying at The Ritz-Carlton can always be within reach with The Ritz-Carlton Rewards Credit Card.
Earn 50,000 points after you use your card for the first time, redeemable for a complimentary night at most of our luxury properties
Earn 5 points per $1 spent at The Ritz-Carlton hotels, 2 points per $1 spent on airline tickets purchased directly with the airline, and at car rental agencies and restaurants, and 1 point per $1 spent on all other purchases
Exclusive member benefits include a $100 Hotel Credit for qualifying dining, spa, and hotel recreational activities during every two night stay or longer

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N/A* Intro APR

N/A*Intro Period

15.24% (V)*APR

$395.00*Annual Fee

4.5

Discover® Miles Card

Earn 10,000 Bonus Miles with every $2,000 in purchases within the first 6 months – up to 20,000 Bonus Miles
1 Mile on every $1 you spend - Plus flexible redemption options like travel credits, merchandise, gift cards or cash
0% intro APR on balance transfers for 12 months, then the variable purchase APR of 10.99% - 15.99%*
No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
Travel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover card
Discover is ranked #1 in customer loyalty--16 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee *Click apply to view rates, fees, rewards, limitations and other important information

0%* Intro APR

12 months*Intro Period

10.99 - 15.99% (V)*APR

$0.00*Annual Fee

4.0

Escape by Discover® Card

Earn up to $250 in travel rewards--1,000 Bonus miles every month you make a purchase for the first 25 months
Double Miles on every $1 you spend
0% intro APR on purchases and balance transfers for 6 months, then the variable APR of 10.99% - 16.99%
No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
Flexible redemption options like travel credits, merchandise, gift cards or cash
Travel Insurance benefits, including primary car rental, lost or damaged luggage, travel delay, and trip cancellation when you book with your Escape by Discover card
Ranked #1 in customer loyalty--16 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report) *Click apply to view rates, fees, rewards, limitations and other important information

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0%* Intro APR

6 months*Intro Period

10.99% - 16.99% (V)*APR

$60.00*Annual Fee

4.5

Capital One® Platinum Prestige Credit Card

0% intro APR until September 2013 on balance transfers
0% intro APR until September 2013 on purchases
No annual fee
$0 Fraud Liability if your card is lost or stolen
24-hour travel assistance gives you a replacement card and cash advance
24-hour roadside assistance
Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own

0%* on purchases and BTIntro APR

until September 2013*Intro Period

APR: 10.9% - 18.90% Variable on Purchases and BT

$0.00*Annual Fee

4.5

Discover® Student Open Road℠ Card

0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% - 18.99%*
Double Cashback Bonus®* at gas stations and restaurants.
Up to 1% unlimited Cashback Bonus on everything else you buy $0 Fraud Liability- you will not be responsible for unauthorized charges
No Annual Fee
Text and Email Alerts *Click apply to view rates, fees, rewards, limitations and other important information

0%* Intro APR

9 months*Intro Period

12.99% - 18.99% (V)*APR

$0.00*Annual Fee

3.5

Discover® Student Card - Monogram Collection

0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% - 18.99%*
5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
Up to 1% unlimited Cashback Bonus on everything else you buy $0 Fraud Liability- you will not be responsible for unauthorized charges
No Annual Fee
Text and Email Alerts *Click apply to view rates, fees, rewards, limitations and other important information

0%* Intro APR

9 months*Intro Period

12.99% - 18.99% (V)*APR

$0.00*Annual Fee

3.0

Discover® Student Card - Clear

0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% - 18.99%*
5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
Up to 1% unlimited Cashback Bonus on everything else you buy $0 Fraud Liability- you will not be responsible for unauthorized charges
No Annual Fee
Text and Email Alerts *Click apply to view rates, fees, rewards, limitations and other important information

0%* Intro APR

9 months*Intro Period

12.99% - 18.99% (V)*APR

$0.00*Annual Fee

3.0

Discover® Student Card - Tropical Beach

0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% - 18.99%*
5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
Up to 1% unlimited Cashback Bonus on everything else you buy $0 Fraud Liability- you will not be responsible for unauthorized charges
No Annual Fee
Text and Email Alerts *Click apply to view rates, fees, rewards, limitations and other important information

0%* Intro APR

9 months*Intro Period

12.99% - 18.99% (V)*APR

$0.00*Annual Fee

2.5

Discover® Student Card

0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% - 18.99%*
5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply.
Up to 1% unlimited Cashback Bonus on everything else you buy $0 Fraud Liability- you will not be responsible for unauthorized charges
No Annual Fee
Text and Email Alerts *Click apply to view rates, fees, rewards, limitations and other important information

0%* Intro APR

9 months*Intro Period

12.99% - 18.99% (V)*APR

$0.00*Annual Fee

4.0

Discover® Mix Tape Student Card

0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% - 18.99%*
5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
Up to 1% unlimited Cashback Bonus on everything else you buy $0 Fraud Liability- you will not be responsible for unauthorized charges
No Annual Fee
Text and Email Alerts *Click apply to view rates, fees, rewards, limitations and other important information

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0%* Intro APR

9 months*Intro Period

12.99% - 18.99% (V)*APR

$0.00*Annual Fee

4.0

Discover® Student Card - $20 Cash Back

Experience Discover's great rewards program. Earn $20 Cashback Bonus®* when you make your 1st purchase within 3 months of approval
0% intro APR on purchases for 6 months, then the variable standard purchase APR of 12.99% - 18.99%*
5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
Up to 1% unlimited Cashback Bonus on everything else you buy $0 Fraud Liability- you will not be responsible for unauthorized charges
No Annual Fee
Text and Email Alerts *Click apply to view rates, fees, rewards, limitations and other important information

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0%* Intro APR

6 months*Intro Period

12.99% - 18.99% (V)*APR

$0.00*Annual Fee

4.5

Starwood Preferred Guest® Credit Card from American Express

Starpoints® Bonus: 10K with your first purchase and another 15K when you spend $5K within 6 months - enough for up to 6 free nights at a Category 1 or 2 hotel
Free nights, free flights: Redeem Starpoints with over 350 airlines through SPG Flights and more than 1,000 hotels and resorts worldwide. No blackout dates
2011 SmarterTravel® Award for "Best Travel Rewards Card"
$0 introductory annual fee for the first year, then $65

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N/A* Intro APR

N/A*Intro Period

15.24% - 19.24% (V)*APR

$0.00*Annual Fee

4.5

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Always review the terms and conditions that apply to any offer when making an online application. While every effort is made to ensure the accuracy of the information we provide, changes can occur without notice at any time. All information on credit cards is given without warranty. Certain restrictions, limitations and exclusions apply. Check your Guide to Benefits for details when you open your account.

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