Bank Vibe » 0% balance transfer credit cards

No Balance Transfer Fee by Discover expiring in 9 days

BankVibe — Sat, 19 Feb 2011 11:03:38 +0000

Discvoer Bank’s no balance transfer fee credit card promotion is set to expire at the end of this month for anyone still interested in transferring their credit card debt with this promotion. If you’ve racked up some credit card debt over the holidays you may want to look into this offer before it’s too late.

Get Promotional Offer Here!

Generally, with balance transfer credit cards, a 5%-10% fee will be imposed on the amount set to transfer, however with this card the fee is waived. This can add up to substantial savings if you have a few grand to payoff! The card will also provide a 0% APR on the transferred balance for 12 months as well as 0% APR on new purchases for 12 months. And Discover Bank’s balance transfer card is awfully enticing to use on new purchases due to it’s 0% APR and phenomenal cash back structure, but we would recommend focussing on eliminating the debt before racking up any new expenses. If you do not payback your debt within the 12 month 0% APR period you’ll incur an APR of between 11.99% and 20.99% depending on your credit worthiness.

Their cash back structure allows you to earn 5% cash back on select purchases including home improvement, grocery, gas, and some entertainment as well as 1% cash back on all other purchases.

Fees to look out for with this card:

Penalty fees such as late payment or returned payment will both set you back 35 bucks apiece. For cash advances, you’ll have to pay either $10 or 5% of the advanced sum (whichever is greater). Also, if you are traveling abroad try to keep this card in your wallet as you’ll get dinged a 2% fee of the US dollar amount of each item purchased.

Best Balance Transfer Card – No Fee plus 0% APR for 12 months!

BankVibe — Wed, 05 Jan 2011 00:34:58 +0000

We have just learned of an EXCELLENT balance transfer credit card for this post-holiday wallet recovery period. The offer comes from Discover More – a prominent credit card that regularly holds the top spots in several credit card categories within our database.

Now for a limited time this promotional offer is providing a balance transfer card featuring No Fees plus 0% APR on balance transfers and purchases for 12 months (– This promotion is available until Feb 28, 2011 – Go To Promotional Offer Here –).

The real hard hitting impact of this card is the lack of fee on the balance transfer. Generally cards of this nature feature the 0% intro APR and may even top it off with the 0% APR on purchases, however, very rarely do these cards waive the fee. The fee can amount to a significant savings depending on the amount your transfering. Generally, these fees range anywhere from 2% on the very low end and 6% on the high end. So to put these savings in perspective, let’s look at a few hypothetical situations:

Apply for Promo Here.

1) Let’s say you’re making a balance transfer of $1,000 from an unfavorable credit card to this promotional balance transfer card. With this offer you are saving anywhere from $20 – $60 on the transfer.

2) Let’s say you’re making a balance transfer of $5,000 from an unfavorable credit card to this promotional balance transfer card. With this offer you are saving anywhere from $100 – $300 on the transfer.

3) Let’s say you’re making a balance transfer of $10,000 from an unfavorable credit card to this promotional balance transfer card. With this offer you are saving anywhere from $200 – $600 on the transfer.

Complete List of Features of Balance Transfer Card from Discover More:

- Limited Time – No Balance Transfer Fee

- Promotion only valid through February 28, 2011

- 0% intro APR on balance transfers for 12 months, then the Regular APR

- 0% intro APR on purchases for 12 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

Apply for Promo Here.

Great Balance Transfer Credit Card from CitiBank

BankVibe — Fri, 20 Aug 2010 23:38:32 +0000

PLEASE NOTE: This card is now offering a 21 month 0% APR intro period.

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 21 months and 0% Intro APR on purchases for 21 months. After that, the APR will be 11.99%-20.99% based upon your creditworthiness

- Extra Cash from Citi: enjoy discounts on gift cards,travel, merchandise and more

- Citi® Identity Theft Solutions

- Secure, free online account management

- No annual fee

- Learn More…

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!

BankVibe — Mon, 19 Jul 2010 14:54:43 +0000

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!

Apply for this offer!

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

Apply Now!

Compare this offer to other balance transfer credit card offers in our database!

Bryant State Bank’s MasterCard – Full Review:

BankVibe — Sat, 06 Feb 2010 16:49:08 +0000

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.

Learn More

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

BankVibe — Sun, 27 Dec 2009 18:59:31 +0000

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

BankVibe — Wed, 09 Dec 2009 21:15:50 +0000

Attention: This Offer has Expired. Check out our Credit Card Center to compare today’s best offers.

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

Also consider these important notes from their fine print…

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.

CitiBank’s deposit rates are also fairly competitive when weighed against the national average. The most notable rate comes with their 24 month CD.

0% APR on balance transfers for 12 months with Discover More!

BankVibe — Sun, 06 Dec 2009 21:35:04 +0000

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

Apply Now!