Balance Transfer Credit Cards - Apply for a 0% Balance Transfer Today!

Transfer your balances from higher APR credit cards and/or other loans into lower APR card and save a lot of money on interest. Simply use the balance transfer request form provided in an online credit card application or make the transfer over the phone once your application is approved. Start saving today, choose the card that meets your credit needs and apply now!

Discover® More(SM) Card

0% APR on Balance Transfers for a FULL 12 months
0% APR on Purchases for a FULL 6 months
5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more
Up to 1% unlimited Cashback Bonus on all other purchases automatically
Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
Instant Response within 60 seconds
No Annual Fee

Intro APR	Intro APR Period	Regular APR	Balance Transfer	Annual Fee	Credit Required
0%*	6 Months*	as low as 11.99% Variable*	Yes	None	Excellent

Citi Platinum Select MasterCard®

0% APR* on balance transfers and purchases for up to 15 months
No annual fee
Citi® Identity Theft Solutions
$0 Liability on unauthorized purchases
Secure, free online account management
Extra Cash from Citi: enjoy significant discounts on gift cards, travel, merchandise and more.

Intro APR	Intro APR Period	Regular APR	Balance Transfer	Annual Fee	Credit Required
0%	up to 15 months	As Low As 11.99% Variable	Yes	None	Good

Discover MoreCard - $50 Cashback Bonus

0% APR on Balance Transfers for a FULL 12 months
0% APR on Purchases for a FULL 6 months
Get $50 Cashback Bonus after your first $599 in purchases
5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants and more
Up to 1% unlimited Cashback Bonus on all other purchases automatically
Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
Instant Response within 60 seconds
No Annual Fee

Intro APR	Intro APR Period	Regular APR	Balance Transfer	Annual Fee	Credit Required
0%*	6 months*	as low as 12.99% Variable*	Yes	None	Excellent

Discover® More(SM) Card - American Flag

0% APR on Balance Transfers and Purchases for a full 6 months
5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more
Up to 1% unlimited Cashback Bonus on all other purchases automatically
Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
Instant Response within 60 seconds
No Annual Fee

Intro APR	Intro APR Period	Regular APR	Balance Transfer	Annual Fee	Credit Required
0%*	6 Months*	as low as 11.99% Variable*	Yes	None	Excellent

Biodegradable Discover® More Card

Help protect the planet with the new biodegradable Discover Card
Card plastic breaks down 99% within five years in landfill conditions
0% APR on Balance Transfers and Purchases for a full 6 months
5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more
Up to 1% unlimited Cashback Bonus on all other purchases automatically
Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
Instant Response within 60 seconds
No Annual Fee

Intro APR	Intro APR Period	Regular APR	Balance Transfer	Annual Fee	Credit Required
0%*	6 months*	as low as 11.99% Variable*	Yes	None	Excellent

Discover Motiva(SM) Card

Cash Rewards for your good credit management!
Get a Pay-On-Time Bonus(SM) equal to a full month’s interest every time you make 6 on-time payments in a row—twice a year, every year
5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site
Up to 1% Cashback Bonus on all other purchases
Unlimited cash rewards
Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners
3.99% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers*

Intro APR	Intro APR Period	Regular APR	Balance Transfer	Annual Fee	Credit Required
3.99%*	6 Months*	as low as 11.99% Variable*	Yes	None	Good

Orchard Bank Classic MasterCards

Acceptance at millions of locations worldwide, including website purchases and reservations
Your account information is updated and at your fingertips 24/7 so you can manage it your way
Email and text messages to remind you of your upcoming payment due date with online enrollment
On-call customer service representatives to assist you with questions or concerns

Intro APR	Intro APR Period	Regular APR	Balance Transfer	Annual Fee	Credit Required
N/A	N/A	7.90% - 24.90%	Yes	See Terms*	Poor

FREE SPIRIT(TM) Onyx World MasterCard

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

Intro APR	Intro APR Period	Regular APR	Balance Transfer	Annual Fee	Credit Required
N/A	N/A	14.24%-17.24%	Yes	See Terms*	Good

Bryant State Bank MasterCard

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

Intro APR	Intro APR Period	Regular APR	Balance Transfer	Annual Fee	Credit Required
N/A	N/A	11.25%	Yes	$20	Average

Credit Card Balance Transfer Guide

A balance transfer credit card can be a great tool to help you get rid of credit card debt. To make the most of the card, however, it is important to understand how it works. If you’re thinking of applying for a balance transfer credit card, use the following information as a guide to help you make the best decision.

Know your Balance

Before you get a new credit card, make sure you know just how much credit card debt you are currently carrying. You may choose to transfer all of it onto a new card, or you might find that it is better to only bring over a portion of the debt. Decide on an amount that you can practically pay off during a reasonable amount of time.

Look at the Interest Rate

Many balance transfer credit cards come with an initial 0% APR. This can last for six months or even up to a year. Before you apply, find out how long the zero interest period will last. Ideally, you will want to pay off the balance during the 0% APR timeframe.

Check the Fees

Some balance transfer credit cards charge a fee for the initial transfer. Others include an annual fee. Before you sign up, find out what you will be charged for. If the fees are too high, look for a card that charges less for balance transfers.

Make a Plan

Think about how much money you can set aside each month, and use that amount to pay off the balance you transfer. If you pay off the debt during the 0% APR period, you’ll save yourself hundreds of dollars in interest fees. This significant savings is what makes a balance transfer credit card a smart choice to pay off debt.

Apply for a Balance Transfer Credit Card

Important Notices and Disclosures:* See the online Balance Transfer credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now" button, you can review the credit card terms and conditions on the credit card issuer's website.