Posts Tagged ‘0% balance transfer credit cards’
Great Balance Transfer Credit Card from CitiBank
The Citi® Platinum Select® MasterCard® is currently featured as the #1 option for balance transfer cards in our database. If you are looking to pay off some credit card debt and reduce your interest payments, then you may want to consider swapping the balance on your current credit card to one with a 0% APR intro period such as this offer from CitiBank.
Features of Citi’s 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
Another noteworthy offer from CitiBank – If you are in the market for a 0% APR intro balance card AND one with some decent rewards, you may also want to check out the Citi Diamond Preferred Rewards Card. It comes with 6,000 bonus points after you sign up and spend at least $300 in the first 3 months.
$75 Bonus PLUS 0% APR on balance transfers for 12 months!
The infamous Discover More Credit Card has topped itself once again with it’s $75 sign up bonus AND 0% APR on balance transfers for the first 12 months. If you have plans to repay your credit card debt within a 12 month period, this offer is a can’t miss! Simply transfer your existing credit card balance to this card and pay down your debt while adding no additional interest… plus get $75 in your pocket!
A couple things to note with this card – first, the $75 bonus is only available if you spend at least $500 on the card within the first 3 months of owning it. So if you have $175 in monthly expenses (be it – gas, food or recreation) put them on this new card and snag your $75. Just be sure to pay the balance in full each month and repay your total balance transfer debt within one year. Second, if you cannot pay off the amount transferred you will incur an APR of between 11.99% and 20.99%.
Terms, Conditions and Credit Card Features:
- 0% intro APR on balance transfers for a full 12 months, then the Regular APR
- 0% intro APR on purchases for a full 6 months, then the Regular APR
- Get $75 Cashback Bonus when you make $500 in purchases within 3 months
- 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
Compare this offer to other balance transfer credit card offers in our database!
Bryant State Bank’s MasterCard – Full Review:
Bryant State Bank’s MasterCard, issued by Bryant State Bank, is a credit card for those with moderate to decent credit scores. This card’s greatest attractions are it’s fair pricing (APR) and convenient benefits. It provides helpful emergency and safety features such as “Emergency Cash Advance and Card Replacement,” 0% fraud liability and 24/7 online account access. It does, however, lack the reward structure in which rewards credit cards, cash back credit card and frequent flier credit cards possess.
The Bryant State Bank MasterCard offers a low introductory rate of 3.25% on balance transfers for 6 months, plus, it doesn’t carry a dreaded balance transfer fee which you can generally see with these cards. This is an extremely favorable feature for those looking to transfer balance(s) carried on their current high APR credit cards. The APR for purchases and cash advances is 11.25%.
Bryant State Bank’s MasterCard List of Features:
- Low Interest Rate of 11.25%*
- Introductory Balance Transfer Rate
- No Balance Transfer Fee
- $0 Fraud Liability
- 24/7 Online Account Access
- Emergency Cash Advance & Card Replacement
- Worldwide Acceptance
- *See Card Terms and Conditions
IBERIABANK Visa® Classic Card Review
Iberiabank’s Visa® Classic credit card is another exceptional card offer from the 122 year old subsidiary of Iberibank. This is a low APR card with rates as low as 6.25% APR. It is an ideal option for those who occasionally carry a small balance and have good to exceptional credit (similar requirements to the IBERIABANK Visa Platinum Card). If you’re looking for a credit card with rewards than this option may not be fitting, however, if you value low-apr’s and no annual fees, then this is one of the best cards on the market.
Getting Approved: To be approved for the Visa Classic Card by Iberiabank you will not only need proof of income but also proof of at least 2 years of continuous employment (along with a solid credit score).
Fees and APR: There are no annual fees associated with the Iberiabank Visa Classic card. If you plan to use this card as a balance transfer credit card you will incur a 0% introductory APR on transfers for your first 6 billing cycles. Note: this only applies to balance transfers completed during your first 90 days. There are no transaction fees for balance transfers. The APR is a variable one and sits between 6.25% and 8.25%, depending on credit history. If you plan to make cash advances with the card you will incur an APR of between 10.25% and 12.25%, based on credit history. The default rate is 22.00% for all balances so be sure to keep track of balance due dates by setting up alerts online. A transaction fee for cash advances applies at a rate of 5% of the amount, not to be less than $5 nor more than $100.
Late fees associated with card: $15 for balances under $100, $29 for balances between $100 and $1,000, and $35 for balances over $1,000. An “over the credit limit fee” is $35 and the returned check fee is $29. A 25 day grace period will be granted.
IBERIABANK Visa® Classic Credit Card – Quick Facts:
- 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.
PLEASE NOTE – Refer to the date of this article for accuracy. Some rates and other information may have changed since this was written. Visit our Credit Card Comparison page for updated credit card information.
0% APR for 9 months with CitiBank credit card
Below is a fairly nice credit card deal offered by CitiBank. Thanks to BankVibe reader Jeff for submitting us this offer! Currently, if you are approved for a new Citi Platinum Select Mastercard you can expect the following benefits…
- 0% APR on Purchases and Balance Transfers for up to 9 months (note that this is based on your application and credit history)
- Purchase APR as low as variable 11.99%, based on your application and credit history.
- $0 Liability on unauthorized purchases
- Online Discounts with Extra Cash from Citi
- No Annual Fee
- The 0% APR does not apply to Cash Advances
- The 0% APR may increase if you default under any cardmember agreement you have with us because you pay us late, go over your credit limit or have a returned check
- Balance Transfer fee applies with this offer
- Your payments will be applied to low APR balances before higher ones
- Length of your introductory period will be either 0% for 9 months from the date of account opening on purchases and balance transfers, or 7 months from the date of account opening on purchases and balance transfers based on our review of your application and credit history.
- After the promotional period ends, the standard purchase APR will be applied to all balances.
- The standard variable APR for purchases is either 11.99% Rate 1, 15.99% Rate 2 or 19.99% Rate 3 in that order based on our review of your application and credit history, standard APR for cash advances – 21.99%. However, all your APRs (including any promotional APRs) may increase as permitted by law to the 29.99% variable default rate if you pay us late, go over the credit line, or make a payment to us that is not honored.
- Minimum finance charge – $0.50. Fee for Foreign Purchases — 3% of the U.S. dollar amount of each purchase made outside the U.S. Cash advance fee — 3.0% of cash advance amount, $5 minimum. Balance transfer fee — 3.0% of balance transfer amount, $5 minimum.
0% APR on balance transfers for 12 months with Discover More!
The infamous Discover More credit card has sweetened their offer during this holiday season. Traditionally, the Discover More card has been known for providing the most cash rebates on more items than any card on the market. And just last week they made this product even more enticing. Currently, when approved for a new Discover More card you will receive two additional outstanding benefits…
1) 0% APR on ALL balance transfers for 12 months!
2) 0% APR on ALL purchases for 6 months!
While we always recommend paying off your entire debt in full each month, if you must carry a balance, this card will now allow a fairly nice no-interest grace period in which you can scrounge up the funds to pay it off.
Additional Features:
- 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
- 5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
- Up to 1% Cashback Bonus on all other purchases automatically
- Unlimited cash rewards
- Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners
- 0% Intro APR for 6 months on Purchases, and up to 12 months on Balance Transfers*
Please Note: This is a limited time offer
Discover More Credit Card Review
The Discover More Credit Card is a favorite amongst credit card connoisseurs. It offers the best of a few worlds – a low APR, cash back rewards, and a temporary 0% balance transfer.
Discover More Credit Card Overview
- 5% Cash Back Bonus in categories including: hardware (ie HomeDepot), home furnishing (ie Bed, Bath and Beyond), grocery shopping (ie. Safeway) etc. The list of merchants in which you can earn cash back rotates on a monthly basis
- 0% intro APR – balance transfers for 9 months for consumers with excellent credit
- 0% purchase APR – For 6 months, as low as 10.99% variable APR thereafter based on your credit history
- $0 annual fee with unlimited cash rewards
- Apply for the Discover® More Card
Discover More Credit Card Rewards:
The Discover More card offers up to 5% cashback on various purchases throughout the year. Discover implements new categories throughout the year, including travel, gas, groceries, restaurants, movies, home, and fashion. You also earn up to 1% cashback on all purchases anytime.
Earn unlimited cash rewards on all purchases. Earn a full 5% Cashback Bonus on category purchases throughout the year by signing up for each program. In addition, earn a full 1% unlimited Cashback Bonus on all other purchases after your total annual purchases exceed $3,000; other purchases that are part of your first $1,500 earn .25% and other purchases that are part of your second $1,500 earn .50%. Warehouse purchases (those made at select warehouse clubs, discount stores and their affiliates) earn .25%. We do not include warehouse purchases or 5% Cashback Bonus program purchases (up to the dollar limit specified in each applicable program) in calculating your total annual purchases to determine your tier level. Rewards are redeemable in $20 increments. Rewards have no expiration date; however, if your account is closed for any reason or inactive for 18 consecutive months or if you fail to make the Minimum Payment Due by the Payment Due Date for two consecutive billing periods, your Cashback Bonus will be forfeited. Full terms and conditions will be sent with your card.
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