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Balance Transfer

0% APR balance transfer credit cards can help you use credit for far less. Here, you will find 0% introductory APR offers able to help you to save money on new and older purchases. Some of the balance transfer options and introductory rates have 0% APR for up to 15 months. You may be able to transfer your existing balance on another line of credit to this new line of credit and pay no interest. Many of these balance transfer credit cards offer cash back and rewards programs.

 
Discover® More Card
Discover® More Card
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  • 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 Period Regular APR Annual Fee Balance Transfer Credit Needed
0%* 6 Months* 11.99% - 20.99% (Variable)* None Yes Excellent
 
Blue Cash(R) from American Express
Blue Cash(R) from American Express
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  • When you shop with Blue Cash, you can earn up to 5% cash back on every eligible purchase
  • No Annual Fee
  • 0% Intro APR for 6 months on purchases
  • Express Approval. Get a decision in less than 60 seconds.
Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
See Terms* See Terms* 17.24%-21.24% Variable No Annual Fee Yes Excellent
 
Discover® Open Road Card
Discover® Open Road Card
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  • 2% Cashback Bonus automatically at any gas station and any restaurant
  • 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
  • 0% intro APR on balance transfers for 12 full months, then the Regular APR
  • 0% intro APR on purchases for 6 months, then the Regular APR

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0%* 6 Months* 11.99% - 20.99% (Variable)* None Yes Good
 
IBERIABANK Visa® Classic Card
IBERIABANK Visa® Classic Card
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  • 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.
  • Online access to credit card account information

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A N/A 7.25%, 10.25%, or 13.25% None Yes Excellent
 
Escape by Discover® Card
Escape by Discover® Card
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  • 25,000 Bonus Miles - 1,000 Bonus Miles each month you make a purchase for your first 25 months
  • Unlimited Double Miles on all purchases
  • An additional 2 Miles for every $1 you spend through our exclusive online shopping site, ShopDiscover
  • Flexible redemption options for travel, gift cards, or cash
  • Enhanced travel benefits
  • 0% intro APR on Balance Transfers and Purchases for 6 months, then the Regular APR

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0%* 6 months* 10.99% - 16.99% (Variable)* $60* Yes Excellent
 
Starwood Preferred Guest(R) Credit Card from American Express
Starwood Preferred Guest(R) Credit Card from American Express
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  • Earn up to 25,000 Starpoints (R) - enough for up to 6 free nights at a category 1 or 2 hotel.
  • Use Starpoints(R) 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(R) - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines
  • Earn one Starpoint(R) for every dollar you spend and double Starpoints(R) at participating Starwood properties and retail partners
  • Express Approval. Get a decision in less than 60 seconds.
Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
See Terms* See Terms* 15.24% See Terms* Yes Excellent
 
TrueEarnings(R) Card from Costco and American Express
TrueEarnings(R) Card from Costco and American Express
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  • Earn cash back on gas and a $25 statement credit with your first purchase made with the Card.
  • Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
  • No Annual Fee with your paid Costco Membership
  • The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
  • No Limit on the Cash Back earned
Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
See Terms* See Terms* 15.24% See Terms* Yes Excellent
 
IBERIABANK Visa® Gold Card
IBERIABANK Visa® Gold Card
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  • 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. (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.
  • 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
  • Travel accident coverage up to $500,000
  • Online access to credit card account information

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A N/A 9.25%, 12.25%, or 15.25% None Yes Excellent
 
IBERIABANK Visa® Platinum Card
IBERIABANK Visa® Platinum Card
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  • 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. (If there is an interest charge, the charge will be no less than $1.00).
  • 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 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.
  • Earn 1 bonus point for every $1 in qualifying net retail purchases
  • Turn your points into hotel, gift, or experience rewards
  • Travel accident coverage up to $1,000,000
  • Online access to credit card account information

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A N/A 9.25%, 12.25%, or 15.25% None Yes Excellent
 



Balance Transfer Credit Cards offering a 0% APR are an ideal choice for many. Consider the benefits of a 0% intro APR based on the various ways you can use these lines of credit.

Consolidate and Save: You can use balance transfer credit cards to consolidate high interest debt you are paying from another card by simply transferring the old balance to the new line of credit offering low interest or no interest. You may also get a lower monthly payment by consolidating several lines of credit into one, new line of credit.

Get Access to More Cash: Use this balance transfer line of credit to allow for more cash back. The low APR makes it highly affordable to access cash, without cost, until your cash flow catches up. This opens doors for businesses and those in tight constraints.

Buy Sooner: Balance transfer credit cards enable you to purchase items sooner than you could do so otherwise. Business credit cards may allow for more inventory available while personal users can purchase what they need sooner. There is less reason to wait to make an all-important purchase.

Be sure to fully understand what the line of credit is offering when you sign up. Read through the terms and conditions to locate potential fees, such as transaction fees assigned to any balance transfer or cash advance you may take. Some credit cards offer convenience checks, but there is a potential fee with some credit card offers. In addition, keep in mind that the balances on these credit cards should be paid off prior to the introductory offer's expiration, otherwise some lines will charge finance fees on these balance transfer credit cards.

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