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!
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Discover - Discover® MotivaSM Card
Earn Cashback Bonus for your good credit management
- Earn Cashback Bonus for your good credit management
- 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 15 months, then the Regular APR
- 3.99% intro APR on purchases for 12 months, then the Regular APR
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3.99% |
Purchases=12 months;Balance Transfer=15 months |
11.99% - 20.99% |
0.00 |
Yes |
Good |
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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
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N/A |
N/A |
Prime+5%-Prime+11% |
$0.00 |
Yes |
Excellent |
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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
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N/A |
N/A |
Prime+5%-Prime+11% |
$0.00 |
Yes |
Excellent |
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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
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7.50% |
12 months from date opened on Purchases |
7.5% |
35.00 |
Y |
Excellent |
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Discover - 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 – Earn 1,000 Miles each month you make a purchase for your 1st year
- 1 Mile per $1 on every purchase
- Plus, 2 Miles on travel and restaurant purchases on your first $3,000 each year
- No limit on the Miles you earn and Miles don’t expire*
- Fly on any airline, book any hotel or car, with no blackout dates
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0% |
Purchases= 6 months;Balance Transfer= 6 months |
10.99%-16.99% Variable |
0.00 |
Yes |
Good |
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AMEX - Platinum Delta SkyMiles® Credit Card from American Express
Earn 20,000 bonus miles with your first purchase and an additional 5,000 bonus miles when you add two Additional Card members to your account - redeem 25,000 miles for a flight
- Earn 20,000 bonus miles with your first purchase and an additional 5,000 bonus miles when you add two Additional Card members to your account - redeem 25,000 miles for a flight
- No mileage earning limit, and miles do not expire
- Check your first bag free on every Delta flight
- Annual complimentary companion ticket
- Rated 4 out of 5 stars in Overall Satisfaction Rating, based on feedback from current Platinum Delta SkyMiles (R) Credit Cardmembers from American Express
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N/A |
N/A |
14.50% variable |
$150 per year |
YES |
Good |
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AMEX - American Express® Gold Card
Earn 10,000 Membership Rewards(R) bonus points when you spend $500 in your first 3 months of Card membership - redeemable for select gift cards valued at $100!
- Earn 10,000 Membership Rewards(R) bonus points when you spend $500 in your first 3 months of Card membership - redeemable for select gift cards valued at $100!
- The Membership Rewards program - Turn your everyday purchases into Membership Rewards points, and then redeem them for an amazing collection of travel, shopping, dining 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 60 seconds.
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N/A |
N/A |
N/A |
125.00 |
Yes |
Good |
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Discover - Escape by Discover® Card
Apply for the Escape by Discover® Card!
- 25, 000 Bonus Miles – Earn 1,000 Miles each month you make a purchase for the first 25 months
- 2 Miles per $1 on all purchases
- No limit on the Miles you earn and Miles don’t expire*
- Fly on any airline, book any hotel or car, with no blackout dates
- Use Miles for travel, merchandise, gift cards or cash
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0% |
6 months (on purchases and balance transfers) |
10.99%-16.99% Variable |
60.00 |
Y |
Good |
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AMEX - The Delta Reserve Credit Card
The Delta Reserve Credit Card: Discover a noticeably richer travel experience.
- Earn 10,000 Medallion(R) Qualification Miles (MQMs) with your first purchase, and Miles Boosts(SM) of up to 30,000 MQMs when you spend $60,000 in a calendar year
- Annual complimentary First-Class companion ticket with Card renewal
- Delta Sky Club(TM) access for you and your guests
- Check your first bag free on every Delta flight
- Rated 4 out of 5 stars in Overall Satisfaction Rating, based on feedback from current Delta Reserve Credit Cardmembers from American Express
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N/A |
N/A |
14.50% variable |
$450.00/year |
Yes |
Excellent |
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AMEX - Starwood Preferred Guest® Credit Card from American Express
Earn up to 25,000 Starpoints® - enough for up to 6 free nights at a category 1 or 2 hotel.
- Earn up to 25,000 Starpoints® - enough for two free nights at the Westin St. Francis in San Francisco, the W Boston or any other category 5 hotel.
- Redeem Starpoint ® for free nights at over 1,000 hotels and resorts in nearly 100 countries and for free flights on over 350 airlines - all with no blackout dates.
- No annual fee for the first year and $65 thereafter.
- Stay 2 nights and get the 3rd night free at participating Sheraton® Hotels and Resorts worldwide.
- Earn 4 to 5 Starpoints for every dollar you spend at Starwood Preferred Guest Hotels and Resorts.
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2.90% |
on purchases and balance transfers for 6 months |
15.24% variable |
45.00 |
Yes |
Good |
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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
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N/A |
N/A |
prime+4%-prime+10% |
$0.00 |
Yes |
Excellent |
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AMEX - True Earnings® Card from Costco and American Express
With this offer, consumers can earn cash back wherever you buy, including 3% for gasoline for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, and 1% virtually everywhere else
- No annual fee for Costco members
- 0% intro APR on purchases for six months
- Earn cash back wherever you buy, including 3% for gasoline for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, and 1% virtually everywhere else
- Rated 4.5 out of 5 stars in Overall Satisfaction Rating, based on feedback from current TrueEarnings(R) Cardmembers from Costco and American Express
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0% |
on purchases for up to 6 months |
15.24% variable |
N/A |
Yes |
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...
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