Apply Online to Transfer High Interest Credit Cards

Apply online for a credit card that allows you to transfer your high interest credit card balance. Most of these offers allow you a 0% annual percentage rate for at least a year. A very sensible solution if you are paying a high interest rate on your current credit cards. All you have to do is apply for a new credit card and cut the old one up to start saving yourself a lot of Sensible Dollars. Consolidate your high interest credit card bills and save with great low rates. Transfer the balances from your higher interest rate accounts and start saving money. Make the sensible choice and apply online today!

AMEX - The Delta Reserve Credit Card The Delta Reserve Credit Card: Discover a noticeably richer travel experience. Annual First-Class companion certificate, which can be used for a First-Class or Coach-Class ticket! Earn up to 10,000 Medallion® Qualification Miles (MQMs) after your first purchase Built-in Miles Boost%%SM%% — earn up to 30,000 MQMs and 30,000 bonus miles Complimentary Crown Room Club® access for you and two guests Access to American Express® Concierge Services

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A	N/A	14.50%	$450.00/year	Yes	Excellent

Discover® MotivaSM Card The MotivaSM Card was designed for consumers who carry a balance and feel underappreciated by card issuers rather than rewarded for being some of their best customers. Each time cardholders make six consecutive on-time monthly payments with the Discover MotivaSM Card, they receive their next month's interest back as a Pay-On-Time Bonus. Cash rewards for your good credit management Each time you make 6 on-time payments in a row, you'll get a Pay-On-Time Bonus equal to a full month's interest added to your Cashback Bonus account 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 3.99% intro APR on balance transfers for a full 15 months, then the Regular APR

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
3.99%	Purchases=12 months;Balance Transfer=15 months	11.99% - 20.99%	0.00	Yes	Good

IBERIABANK Visa Platinum Apply for the IBERIABANK Visa Platinum today! 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. 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 Earn 1 bonus point for every $1 in qualifying net retail purchases Turn your points into hotel, gift, or experience rewards

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A	N/A	Prime+5%-Prime+11%	$0.00	Yes	Excellent

Miles by Discover® Card The Miles by Discover® Card allows you to promote a low introductory offer where the consumer can earn 1 mile for every dollar they spend. This program performs best when marketed to individuals with good to excellent credit. 12,000 Bonus Miles - 1,000 Bonus Miles each month you make a purchase for your first year Double Miles on up to $3,000 in travel and restaurant purchases each year Double Miles through our exclusive online shopping site One Mile for every dollar on all other purchases 0% intro APR on balance transfers and purchases for 6 months, then the Regular APR

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%	Purchases= 6 months;Balance Transfer= 6 months	10.99% - 16.99% APR	0.00	Yes	Good

American Express® Gold Card Consumers can experience exclusive shopping, entertainment and travel and earn 10,000 Membership Rewards® bonus points after your first purchase with the card - redeemable for a $100 gift card! Earn 10,000 Membership Rewards® bonus points when you spend $500 in 3 months - redeemable for a $100 gift card! The Membership Rewards® program - Earn 1 Membership Rewards® point for virtually every dollar you spend and redeem for your choice of travel, shopping, and entertainment rewards. Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide. Express Approval. Get a decision in less than 60 seconds.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A	N/A	N/A	125.00	Yes	Good

Escape by Discover® Card Apply for the Escape by Discover® Card! 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 0% intro APR on Balance Transfers and Purchases for 6 months, then the Regular APR

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%	6 months (on purchases and balance transfers)	10.99% - 16.99%	60.00	Y	Good

Discover ® More ® Card - Clear Sign up for a Discover® More® Card - Clear card today and enjoy 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall. 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall 0% intro APR on purchases and balance transfers for 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 APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%	6 months on Purchases & Balance Transfers	11.99% - 20.99%	0.00	Yes	Good

Biodegradable Discover® More® Card Put more green in your wallet with the Biodegradable Discover® More® Card. New biodegradable card plastic breaks down 99% within five years in landfill conditions and leaves no toxic effects behind. 0% intro APR on purchases and balance transfers for 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 APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	*See terms	11.99% - 20.99%	$0.00	Yes	Good

AMEX - Platinum Delta SkyMiles® Credit Card from American Express Earn 20,000 bonus SkyMiles® (including 5,000 Medallion Qualification Miles) after first purchase with the Platinum SkyMiles® Credit Card from American Express.  Apply Now! Earn 20,000 bonus SkyMiles® (including 5,000 Medallion Qualification Miles) after first purchase and another 2,500 for adding an additional cardmember. Earn one companion Coach Class ticket each year upon renewal Earn at least 1 mile for every eligible dollar spent Miles never expire and there is no cap on the miles you can earn Pay with Miles: Pay for all or part of your flight with miles - and put the rest on your card

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A	N/A	14.50%	$150 per year	YES	Good

IBERIABANK Visa Gold Apply for the IBERIABANK Visa Gold today! 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. 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 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

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A	N/A	Prime+5%-Prime+11%	$0.00	Yes	Excellent

AMEX - True Earnings® Card from Costco and American Express With this offer, consumers can earn cash back virtually everywhere they go - 3% for gasoline, 3% for restaurants, 2% for travel, 1% everywhere else, including Costco. 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 APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%	on purchases for up to 6 months	15.24%or up to 6 months	N/A	Yes	Excellent

AMEX - Starwood Preferred Guest® Credit Card from American Express Earn 10,000 Starpoints® with your first purchase1 — enough for up to 3 free nights at a Category 1 or 2 hotel   Earn up to 25,000 Starpoints® enough for up to 6 free nights at a category 1 or 2 hotel. Use Starpoints® 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® almost always on a 1:1 basis to the frequent flyer programs of over 30 major airlines Earn one Starpoint® for every dollar you spend and double Starpoints® at participating Starwood properties and retail partners

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
2.90%	on purchases and balance transfers for 6 months	15.24%	45.00	Yes	Good

IBERIABANK Visa Classic Apply for the IBERIABANK Visa Classic today! 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. 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 Online access to credit card account information

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A	N/A	prime+4%-prime+10%	$0.00	Yes	Excellent

IBERIABANK Visa Select Apply for the IBERIABANK Visa Select Card Introductory Rate of 0.00% for 12 months from date opened, on Purchases. (If there is an interest charge, the charge will be no less then $1.00). This rate will not change during the introductory per Low Introductory APR on Balance Transfers of 1.99% for the first 12 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months Low Ongoing Variable Rate APR after introductory period of 7.50% (Prime + 4.25%). This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no les Online access to credit card account information

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
7.50%	12 months from date opened on Purchases	7.5%	45.00	Y	Excellent

Here are some interesting articles that may aid you in making a sensible decision before applying for a balance transfer credit card.

Sensibly Gettting the Most from Your Balance Transfer Credit Card

Before applying for a balance transfer card, you will want to check out your options. First look at the fees involved, as these may vary from card to card. Many companies charge a certain amount to bring over an existing balance. Read the full article...

Sensible Facts Consumers Should Know About Balance Transfers

You cannot use balance transfers to pay off or pay down any account issued by the same company or its affiliates. Depending on balances that are transferred, the restrictions of your choices of available credit cards may vary. The total amount that is transferred (including any balance transfer fee), must be less than your available credit line. Read the full article...

How to Apply For Sensible Balance Transfer Credit Cards

You can source balance transfer credit cards quickly and easily online. All-in-one credit card sites make selection and applications easy. If you have to trawl through all the different offers yourself and research them, you could take months if not years. Why not use a website that has done all the initial work for you? Read the full article...

How to Sensibly Apply For Credit Card Balance Transfers

Credit card balance transfers to zero-rate introductory cards can save you hundreds of dollars a month. Instead of struggling to pay bills, your money will be diverted from lenders to essential family needs. You can also get enough breathing space to get organized and make new financial decisions. Read the full article...

How to Sensibly Apply For Credit Card Balance Transfer Offers

Balance transfer offers can provide immediate financial relief. The larger your credit card debt and the higher your interest rates, the more relief you will receive. Debt stress can place enormous pressure on individuals and families and significantly affect people's quality of life. It is therefore very important to take action to make your life easier now and financially more stable in the future. Read the full article...

Higher Credit Limit with Transfer Credit Cards

If you have a few too many credit cards, a sensible way to consolidate all of your credit card debt would be to apply for a credit card that allows you to transfer balances to the new card. Many times, you can get a new credit card with a lower interest rate and a higher credit limit. Many factors determine your credit card limit. Make sure the transfer credit card that you are applying for will give you a high enough limit to transfer your balances so you can get rid of the other credit cards. Read the full article.

Sensible Question - Are 0% Balance Transfer Offers Really Free?

Whenever you see credit card promotions that sound like they're going to be a good deal for you, it's best to look into them closely and make sure you read all of the "fine print". A 0% balance transfer is typically good for a specific length of time, six months or twelve months are the most common terms. Read the full article...

Sensible Low Interest Lifetime Balance Transfer Credit Cards

For people who maintain more than average to excellent credit scores, we recommend them to take 0% balance transfer scheme and apply for no interest balance transfers because it offers the least amount of financial investment and no interest is laid on to be borne as long as people continue to pay off regularly each month's minimum card balance. Read the full article...

Zero Percent Balance Transfer Deals Is This a Sensible Time To Change Your Card?

Balance transfers occur when a customer transfers an existing balance to another credit card. This balance is commonly from another credit card but could also be from a bank account. In order to attract new customers credit card companies are now offering substantial periods of time where balances can be moved to the new card and become interest free. Read the full article...