Balance Transfer Cards - First-Credit-Cards.com

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	Balance Transfer Cards
	The following balance transfer credit card offers are designed to help people consolidate their credit card debt onto one card, thus saving money on interest charges. Some of the credit cards below also feature a low introductory 0% APR interest rate on credit card balance transfers.

	Blue from American Express®

0% APR for 15 months

No Annual Fee

Low Balance Transfer APR — 4.99% Fixed APR for the life of the balance.

Membership Rewards Express (SM) program — Earn points redeemable for travel, merchandise and more

*See American Express Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	up to 15 months*	As Low As Prime + 3.99%*	None*	Yes*	Excellent Credit*

	Capital One® Platinum Prestige

Variable APR on purchases and balance transfers, currently 7.4%

Your APR will not increase simply because you pay late only once or go over your credit limit

No annual fee and no balance transfer fees

$0 fraud liability for lost or stolen cards

Choose your own card design

*See Capital One Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	6 months*	7.40%*	None*	Yes*	Excellent Credit*

	Citi PremierPass Card

15,000 bonus points after your first purchase*

0% APR on balance transfers for 12 months

Earn 1 Flight Point for every 3 miles you fly on any airline—or anyone else whose ticket you buy with the card.

Earn 1 Purchase Point for all purchases*

ThankYou Network*

*See Citi Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	12 months*	13.49%*	None*	Yes*	Good Credit*

	Discover® More® Card

5% Cashback Bonus®* in categories that change like travel, home improvement stores, department stores, gas, groceries, restaurants and many 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

Turn your Cashback Bonus into bigger rewards every time when you redeem for gift cards from over 100 brand-name Partners

No Annual Fee

Online Account Access

Online Bill Payment

Intro APR Period: 6 months on purchases and 12 months on balance transfers

*See Discover Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	6 months*	10.99%*	None*	Yes*	Excellent Credit*

	SimplyCash (SM) Business Card

Earn 5% cash back on gas, office supplies and wireless services

Earn 1% on cash back on virtually all other purchases

Cash back is automatically credited to the statement each month

No fee with the flexibility to pay in full or carry a balance

0% introductory APR for the first 12 months

OPEN Savings® : Automatic discounts with FedEx, Delta®, Courtyard by Marriott®, and more

Balance Transfer APR: 7.99% fixed for the life of the transferred balance, but only if transfer is made during the first six months as a Cardmember

*See American Express Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	12 months*	As low as 0%*	None*	Yes*	Excellent Credit*

	Advanta MasterCard® Platinum BusinessCard

0% Intro APR on Balance Transfers and Purchases for 12 Months

Prime + 5.99% Variable APR thereafter

Up to $50,000 Credit Line

No Annual Fee

$0 Fraud Liability

Personalized card -- your company name on the top of the card

*See Advanta Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	12 Months*	Prime + 5.99%*	None*	Yes*	Good Credit*

	Advanta Platinum with Rewards BusinessCard

0% APR for 15 Months on Balance Transfers, 7.99% Fixed APR thereafter

7.99% Variable APR on Purchases

Choice of 5% Cash Back or Travel Rewards

No Annual Fee and No Limit on Earnings

$0 Fraud Liability

Personalized card -- your company name on the top of the card

*See Advanta Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	15 Months*	7.99%*	None*	Yes*	Good Credit*

	AT&T Universal Savings & Rewards Card

1 ThankYouSM Point for every dollar you spend on non-AT&T purchases

Up to 10% savings for the first 12 months on AT&T purchases

Plus AT&T calling benefits: Up to 30 free phone minutes each month

0% APR on balance transfers for 12 months

No annual fee

*See Citi Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% on Balance Transfers*	12 months*	13.24%*	None*	Yes*	Good Credit*

	AT&T Universal Savings Platinum Card

Up to 10% savings for the first 12 months on AT&T purchases

Plus AT&T calling benefits: Up to 30 free phone minutes each month

0% APR on balance transfers for 12 months

No annual fee

*See Citi Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% on Balance Transfers*	12 months*	11.24%*	None*	Yes*	Good Credit*

	Bank of America Rewards (TM) American Express® Card

No Annual Fee

APR (Purchases): Standard rate is fixed at 7.9%

APR (Balance Transfers): Intro 0% Intro Annual Percentage Rate (APR) on balance transfers and cash advance checks for your first 12 billing cycles. Standard rate is fixed at 7.9%.

Earn 1 Point for every net retail purchase dollar.

Redeem your points for travel with no blackout dates, discounts at hotels, cash, brand-name merchandise, or gift certificates.

*See Bank of America Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	12 months*	As low as 9.90%*	None*	Yes*	Excellent Credit*

	Blue Cash® from American Express®

Earn up to 5% cash back with unlimited cash rewards

Earn unlimited cash back

0% Intro APR

No Annual Fee

Low balance transfer rate — 4.99% fixed APR for the life of the balance

*See American Express Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	6 months*	As Low As Prime + 4.99%	None*	Yes*	Excellent Credit*

	Capital One® Classic Platinum Visa

A competitive APR with a lower annual fee

0% on purchases until June 2008. After that, variable APR, currently 14.9%

Exclusive savings: up to 40% off featured deals and 10% savings on everything else at Capital One® Saving ZoneSM on Yahoo! Shopping

Platinum Benefits including extended warranties, travel accident insurance and 24 hour roadside assistance

*See Capital One Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	6 months*	16.40%*	$29	Yes*	New to Credit or Needs Improvement*

	Chase Platinum MasterCard®

0% Introductory APR on Purchases and Balance Transfers*

Low regular APR*

No Annual Fee*

Free secure online account access and bill pay*

Eligibility to enroll in Chase Travel Rewards where you can earn points for free flights, hotel stays and more*

*See Chase Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% *	12 Months *	14.24%*	None*	Yes*	Good Credit*

	Chase Platinum Visa Card

0% Intro APR*

No Annual Fee

Flexible Rewards Program: Earn one point per eligible dollar spent. Redeem for your choice of Cash Back, Merchandise, Travel or Gift Cards.

Interest-free grace period when you pay your bill in full each month by the payment due date.

FREE Online Account Access

FREE travel services including Auto Rental Collision Damage Waiver and Worldwide Travel Accident Insurance

*See Chase Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	12 Months*	13.74%*	None*	Yes*	Good Credit*

	Choice Privileges® Visa® Platinum Card

No Annual Fee

APR (Purchases): Intro Rate - 1.9% for six billing cycles
- APR (Balance Transfers): Intro Rate - 1.9% for six billing cycles

Earn 24,000 points after your first purchase - enough for 3 free nights at more than 1,000 Choice Privileges locations*

Points per Dollar: 2 points per dollar

Points per Dollar spent at 15 Choice Privileges locations*

Redeem points towards free nights, airline miles, gift certificates, and more

*See Bank of America Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
1.9%*	6 months*	P + 9.99%	None*	Yes*	Good Credit*

	Citi CashReturnsSM MasterCard®

Earn 5% cash back on ALL purchases for 3 months

Earn 1% cash back on ALL purchases and eligible cash advances after the first 3 months

NO limit and NO expiration on the amount of cash back you can earn

Checks will be sent automatically every time you earn $50 – no calling necessary

No annual fee

*See Citi Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% on Balance Transfers*	12 months*	9.99%*	None*	Yes*	Good Credit*

	Citi Professional Card with ThankYou Network

No Fee Rewards Program

Get 3 ThankYou Points for every dollar you spend at restaurants, gas stations, on auto rentals and certain office supply merchants.

1 ThankYou Point on every other dollar spent.

Redeem your points for: air travel, statement credit, gift cards and certificates, merchandise or create your own reward.

No balance transfer fee with this offer

*See Citi Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	9 months*	13.49%*	None*	Yes*	Good Credit*

	CitiBusiness® Card

0% APR on purchases and balance transfers for 12 months*

No balance transfer fee with this offer*

No annual fee

Unlimited employee credit cards with individual credit limits that you can set

Quarterly and annual business account summaries

24/7 live customer service and online access

Personal Business Assistant - Make requests 24/7 online or by phone for business information, travel reservations

*See Citi Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	12 months*	10.49%*	None*	Yes*	Good Credit*

	CitiBusiness® Card with ThankYou Network

0% APR on balance transfers for 12 months*

No balance transfer fee with this offer*

No annual fee

10,000 ThankYou Points after your first purchase*

3 ThankYou Points for every dollar you spend on eligible business purchases

Quarterly and annual account summaries

Free additional cards for employees with credit limits you set

*See Citi Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	12 months*	12.49%*	None*	Yes*	Good Credit*

	CitiBusiness® PremierPass Card

15,000 Bonus points after first purchase with card*

Unlimited cards for employees

1 point for every $1 spent on purchases and 1 point for every mile flown on any airline*, 3 points for every $1 spent on certain business purchases*.

Free, unlimited companion travel, no blackout dates

24/7 live customer service and online access

Personal Business Assistant - Make requests 24/7 online or by phone for business information, travel reservations

No balance transfer fee with this offer*

*See Citi Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	12 months*	13.49%*	None for the first year, then $75*	Yes*	Good Credit*

	Citi® Bronze® / AAdvantage® MasterCard

Receive 5,000 Bonus Miles after your first purchase with the card*

No annual fee for your card or for AAdvantage® program membership*

Earn 1 AAdvantage® mile for every $2 you spend on eligible purchases - up to 25,000 miles per year*

No blackout dates for AAdvantage® award travel on American Airlines, American Eagle & AmericanConnection® carriers*

*See Citi Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	17.24%*	None*	Yes*	Good Credit*

	Citi® Diamond Preferred Card

0% APR* on balance transfers and purchases for up to 12 months*

Citi® Identity Theft Solutions*

$0 Liability on unauthorized purchases*

Secure, free online account management*

No annual fee*

*See Citi Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	12 months*	As low as 9.49%*	None*	Yes*	Good Credit*

	Citi® Diamond Preferred Rewards Card

0% APR* on balance transfers for 12 months*

$50 Gift Card - Earn 6,000 bonus points after first purchase redeemable for a $50 gift card*

5 reward points for every $1 spent on purchases at supermarkets, drugstores and gas stations; 1 point for every $1 on all other purchases*

No annual fee and FREE rewards program*

*See Citi Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	12 months*	as low as 11.99%*	None*	Yes*	Good Credit*

	Citi® Dividend Platinum Select Card for College Students

0% APR* for 6 months on purchases, cash advances and balance transfers as long as you do not default under any Card Agreement.

Earn 5% cash back on purchases at supermarkets, gas stations, convenience stores, and utilities including cable for 6 months and 2% thereafter.

Earn 1% cash back on all other purchases.

No minimum income or cosigner required.

Build your credit history.

No balance transfer fee with this offer.

*See Citi Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	6 months*	15.49%*	None*	Yes*	Good Credit*

	Citi® Dividend Platinum Select MasterCard

Earn 5% cash back at gas stations, supermarkets and drug stores, convenience stores, and utilities including cable for 6 months and 2% thereafter.

Earn 1% cash back on all other purchases

0% APR* on Balance Transfers for 12 months

No Annual Fee

*See Citi Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	12 months*	as low as 11.99%*	None*	Yes*	Excellent Credit*

	Citi® Driver's Edge Card for College Students

0% APR* for 6 months on purchases, cash advances, and balance transfers*

Earn rebates towards any car, new or used*

Build your credit history*

Free online account management*

$0 liability on unauthorized purchases*

No annual fee*

No balance transfer fee with this offer*

*See Citi Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	6 months*	17.49%*	None*	Yes*	Good Credit*

	Citi® Gold / AAdvantage World MasterCard

Earn 12,500 Bonus Miles after your first purchase with the card

Earn 1 AAdvantage® mile for every $1 you spend on eligible purchases - up to 60,000 miles per year

No blackout dates for AAdvantage® award travel on American Airlines, American Eagle & AmericanConnection® carriers

Redeem AAdvantage® miles with over 25 of the world’s top airlines, major car rental companies and hundreds of luxurious hotels worldwide

AAdvantage® miles may never expire

Reduced Mileage Awards – 5,000 fewer miles to select destinations

No pre-set spending limit

*See Citi Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	17.49%*	None for the first year, then $50*	Yes*	Good Credit*

	Citi® Hilton HHonors® Visa® Signature Card

Earn 15,000 Hilton HHonors bonus points - enough for two free nights at participating Hilton Family hotels. Just make a purchase on the card within 60 days of account opening.

Earn 6 Hilton HHonors bonus points for each $1 spent at participating Hilton Family hotels.

Earn two Hilton HHonors bonus points for each dollar spent on other purchases

2.99% APR on purchases and balance transfers for 6 months, then 17.74%.

Complimentary Silver VIP membership for first year of card membership.

Unlike other rewards cards, there's no annual fee

*See Citi Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
2.99%*	6 months*	17.24%*	None*	Yes*	Good Credit*

	Citi® Home Rebate Platinum Select® MasterCard

FULL 6% rebate on Utilities, Cable/Satellite TV, Internet Connection and Telecommunication for 6 months*

FULL 1% on all other purchases*

Rebate automatically applied to your mortgage principal*

NO CAP or limits on the amount of rebates you can accumulate in a year*

No annual fee

*See Citi Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	12 months*	11.49%*	None*	Yes*	Good Credit*

	Citi® mtvUTM Platinum Select Visa Card for College Students

0% APR* for 6 months on purchases, cash advances and balance transfers

Earn 5 ThankYou Points® for every dollar you spend at restaurants, bookstores, record stores, movie theaters and video rentals stores

Earn 1 ThankYou Point for every dollar you spend on all other purchases

Earn 25 ThankYou Points for paying on time

Earn 200-2000 ThankYou Points twice a year for maintaining a good GPA

Redeem points for gift cards, MTV events, and airline tickets

No balance transfer fee with this offer

No Annual Fee

*See Citi Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	6 months*	15.49%*	None*	Yes*	Good Credit*

	Citi® Platinum Select Card for College Students

0% APR* for 6 months on purchases, cash advances and balance transfers

$0 liability on unauthorized purchases

FREE Online Account Management

No minimum income or cosigner required

No balance transfer fee with this offer

No annual fee

*See Citi Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	6 months*	13.49%*	None*	Yes*	Good Credit*

	Citi® Platinum Select/AAdvantage World MasterCard

Earn 15,000 Bonus Miles after your first purchase with the card

Earn 1 AAdvantage® mile for every $1 you spend on eligible purchases - up to 100,000 miles per year

No blackout dates for AAdvantage® award travel on American Airlines, American Eagle & AmericanConnection® carriers

Redeem AAdvantage® miles with over 25 of the world’s top airlines, major car rental companies and hundreds of luxurious hotels worldwide

AAdvantage® miles may never expire

Reduced Mileage Awards – 7,500 fewer miles to select destinations

No pre-set spending limit

*See Citi Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	17.49%*	None for the first year, then $85*	Yes*	Good Credit*

	Citi® Platinum Select® Card

0% APR* on balance transfers and purchases for up to 12 months*

No annual fee*

Secure, free online account management*

$0 liability on unauthorized purchases*

Apply online and get an instant response*

*See Citi Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	12 months*	As low as 9.49%*	None*	Yes*	Good Credit*

	Citi® ProfessionalSM Card

0% APR on Purchases & Balance Transfers for 12 Months

Competitive purchase APR

Online Expense Organizer

Quarterly and annual account summaries at no additional cost

Fast, convenient service anytime

*See Citi Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	12 months*	10.74%*	None*	Yes*	Good Credit*

	Citi® ProfessionalSM Cash Card

Fits your professional lifestyle. Designed to make organizing expenses and getting reimbursed easier than ever.

Earn 3% cash back on purchases at restaurants, gas stations, on auto rentals & at certain office supply merchants. Earn 1% cash back on other purchases.

24/7 Personal Business Assistant helps with travel, marketing, discounts & more.

Online Expense Organizer helps track, categorize and report expenses for billing, reimbursement and taxes.

Immediate one touch access to a live customer service representative.

*See Citi Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% on Balance Transfers*	12 months*	13.24%*	None*	Yes*	Good Credit*

	Clear from American Express®

No fees of any kind. No annual fee, no late fees, no over-limit fees, no balance transfer fees, no cash advance fees.

Automatic Rewards. You'll get an American Express branded shopping card worth $25 delivered straight to your door every time you spend $2,500.

Flexible Payment Terms. You can pay in full, or carry a balance. The choice is yours.

No annual fee and 0% intro APR for up to 12 months.

World class Cardmember benefits including Purchase Protection Plan, Buyers Assurance Plan, and Return Protection.

*See American Express Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	12 months*	P + 5.99%*	None*	Yes*	Excellent Credit*

	Discover® Open Road® Card

5% Cashback Bonus ® on your first $100 in gas and auto maintenance purchases each month – up to $1,200 in purchases each 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

Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners

No Annual Fee

Online Account Access

Online Bill Payment

Intro APR Period: 6 months on purchases and 12 months on balance transfers

*See Discover Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	6 months*	10.99%*	None*	Yes*	Excellent Credit*

	Efectiva™ Visa®

Intro Rate - 0% for first six billing cycles

Earn 1 point for every $100 in net monthly purchases

Every point earned is $1 back to you (up to $600 annually on monthly purchases and balance transfers)

Earn 5 bonus points with your first purchase

Earn 5 points for every $2,500 in net monthly balance transfers from non-Bank of America accounts

Rewards start at just 25 points (points are redeemed in increments of 25 with no annual cap on point redemption)

25 points equal $25 cash back in the form of a check sent to you or a $25 credit to your Bank of America checking or savings account

*See Bank of America Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	6 months*	P + 3.99%*	None*	Yes*	Good Credit*

	IN: NYC® Card from American Express®

0% Intro APR for 6 months on purchases and balance transfers

No annual fee

Option to carry a balance

One INSIDE Rewards point for every dollar spent

Plus INSIDE Double points on City Essentials

*See American Express Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	6 Months*	As Low As Prime + 3.99%*	None*	Yes*	Excellent Credit*

	JetBlue Business Card from American Express

Earn 50 TrueBlueÂ® points, worth 1/2 of a free flight, after your first purchase

Double Award Dollars on JetBlue® purchases, gas, wireless phone charges, and other business needs

5% savings on all JetBlue flights purchased directly, using your JetBlue Business Card

Automatic discounts at leading merchants through the OPEN Savings® program

As a Cardmember, your TrueBlue® points don’t expire

Protection when you travel: Car Rental Loss and Damage Insurance, Baggage Insurance, and more

*See American Express Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	Prime + 9.99%*	$40	Yes*	Excellent Credit*

	Miles by Discover® Card

0% Intro APR*

12,000 Bonus Miles*

No Annual Fee

Earn 1 Mile for Every $1 You Spend

Fly Any Airline. Any Seat. No Blackout Dates.

$0 Fraud Liability.

*See Discover Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	6 months*	10.99%*	None*	Yes*	Excellent Credit*

	Money Return Visa® Platinum

No annual fee

0% fixed introductory annual percentage rate (APR) on purchases and balance transfers (not cash advances) for the first 6 months

All payments you make will be applied to the lowest APR balances first

No fees for balance transfers

At the end of every year, we'll calculate your total interest charges paid and write you a check for 10% of that amount

*See Bank of America Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	6 months*	P + 3.99%*	None*	Yes*	Good Credit*

	PetRewards Visa®

No Annual Fee

APR (Purchases): Intro Rate - 0% for first six billing cycles

APR (Balance Transfers): Intro Rate - 0% for first six billing cycles

Put your pet's picture on your card or choose from one of three adorable designs

Program Rewards: Earn points toward veterinary services, pet food discount certificates, and shelter donations

*See Bank of America Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	6 months*	P + 2.99%*	None*	Yes*	Good Credit*

	Platinum Business Credit Card from OPEN(SM)

0% APR for the first 12 months

No annual fee

Option to enroll in Fee Free Membership Rewards® Program

There is no limit to the number of points you can earn

Unlimited fee-free Additional Cards

Access to OPEN(SM) Saving program for automatic discounts at select businesses

OPEN Savings®: Automatic discounts with FedEx, Delta®, Courtyard by Marriott®, and more

*See American Express Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	12 Months*	As Low As Prime + 2.99%*	None*	Yes*	Excellent Credit*

	Starwood Preferred Guest® Business Credit Card

Earn 10,000 Starpoints with your first purchase - that's good for up to 3 free nights!

Earn 1 Starpoint for virtually every dollar you spend on the Card.

Redeem at over 825 participating Starwood hotels and resorts worldwide with no blackout dates. Starwood hotels include Sheraton®, Westin®, W Hotels®, St. Regis®, Luxury Collection®, Le Meridien®, and Four Points by Sheraton®.

Transfer to over 30 frequent flyer programs, most on a one-to-one basis.

Save on business purchases at companies like FedEx® and Hertz®.

Fee-free for your first year.

*See American Express Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
2.90%*	6 months*	Prime + 9.99%*	None*	Yes*	Excellent Credit*

	The Knot Credit Card from American Express

Start out with a great wedding gift - 5,000 Membership Rewards® points the first time you use the Card, which can be redeemed for a $50 gift card.

Earn an additional 10,000 bonus points when you spend over $15,000 on the Card annually.

Track all of your wedding - related expenses with the Card on one monthly statement.

No annual fee. Pay over time or in full.

Exclusive Welcome Gift: Plan every detail of your wedding with The Knot Wedding Planning Kit, including The Knot wedding binder, where you can manage wedding ideas, budgets, guest lists, to-do's and more

*See American Express Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	As Low As Prime + 3.99%*	None*	Yes*	Excellent Credit*

	The Nest Credit Card from American Express

Start out with a great nest-warming gift - 5,000 Membership Rewards® points the first time you use the Card, which can be redeemed for a $50 gift card.

Earn an additional 10,000 bonus points when you spend over $15,000 on the Card annually.

No annual fee. Pay over time or in full.

Exclusive Welcome Gift: The Nest Planning Kit, filled with many helpful items to get the two of you started including The Nest planning binder, designed to help you organize and manage home expenses and joint finances.

*See American Express Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	As Low As Prime + 3.99%*	None*	Yes*	Excellent Credit*

	Union Plus MasterCard

No Annual Fee

8.99% Fixed APR on Balance Transfers for the life of the balance

$0 liability on any unauthorized charges

Personal Customer Service - Speak with a representative 24 hours a day

Online Balance Transfer immediately upon approval

Apply now and receive a response within 60 seconds

*See Union Plus Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
1.99%*	6 Months*	8.99%*	None*	Yes*	Good Credit*

	Visa Signature® with WorldPoints

No Annual Fee

APR (Balance Transfers): 0% Intro Annual Percentage Rate (APR) on balance transfers and cash advance checks for your first 12 billing cycles.

Earn 1 Point for every dollar you spend in net retail purchases.§ Points are redeemable for cash, brand name merchandise, travel with no blackout dates, dining certificates and more.

Online account access and Points management

*See Bank of America Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	12 months*	P + 9.90%*	None*	Yes*	Good Credit*

	World MasterCard with WorldPoints

No Annual Fee

APR (Balance Transfers): 0% Intro Annual Percentage Rate (APR) on balance transfers and cash advance hecks for your first 12 billing cycles.

Earn 1 Point for every dollar you spend in net retail purchases. Points are redeemable for cash, brand name merchandise, travel with no blackout dates, dining certificates and more.

Absolute Fraud Protection

*See Bank of America Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	12 months*	P + 9.90%*	None*	Yes*	Good Credit*

	WorldPoints Platinum Plus MasterCard® Credit Card

No Annual Fee

APR (Purchases): Standard rate is fixed at 7.9% for Platinum Plus®; 13.99% for Preferred accounts.

APR (Balance Transfers): 0% Intro Annual Percentage Rate (APR) on balance transfers and cash advance checks for your first 12 billing cycles

Earn 1 Point for every dollar you spend in net retail purchases. Points are redeemable for cash, brand name merchandise, travel with no blackout dates, dining certificates and more.

*See Bank of America Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	12 months*	P + 9.90%*	None*	Yes*	Good Credit*