Balance Transfer Cards
Best 0% balance transfer cards at taocredit.com. Balance transfers is the process of using a new credit card to pay off your account balance on one of your existing credit card. Balance transfers can be a vary good way to save money on interest when you have an opportunity to move your balance from a high interest credit card to a low interest credit card. If you want to do a balance transfer call your credit card company and ask about their rates. If they don't have low rate balance transfer cards when you call ask them if there's any upcoming promotions, often employees are able to divulge that information when asked but not otherwise. When many promotional offers are being made, offering balance transfers at good rates, you can sometimes keep your monthly credit card payments low by transfering your balances to new low introductory rate cards.
* See the online Balance Transfer Cards 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 issuer’s website.
- 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*
| Annual Fee | Intro APR | Intro APR Period | Regular APR | Balance Transfer | Credit Quality |
| None | 3.99% | 6 months | 11.99% - 19.99% | Yes | Excellent Credit |
- The Orchard Bank MasterCard is an excellent credit card choice for people looking to build their credit. Get prequalified online in just 30 seconds!
| Annual Fee | Intro APR | Intro APR Period | Regular APR | Balance Transfer | Credit Quality |
| $0-$75 the first year: $35-$79 per year thereafter | N/A | N/A | 7.90% - 28.90% | Yes | Fair Credit |
- The Orchard Bank MasterCard is an excellent credit card choice for people looking to build their credit. Get prequalified online in just 30 seconds!
| Annual Fee | Intro APR | Intro APR Period | Regular APR | Balance Transfer | Credit Quality |
| $0-$75 the first year: $35-$79 per year thereafter | N/A | N/A | 7.90% - 28.90% | Yes | Fair Credit |
- 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
| Annual Fee | Intro APR | Intro APR Period | Regular APR | Balance Transfer | Credit Quality |
| None | 0% | 6 months | 11.99% - 19.99% | Yes | N / A |
- 2% Cashback Bonus® automatically at any gas station and any restaurant
- 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
- 0% intro APR on balance transfers for 12 full months, then the Regular APR
- 0% intro APR on purchases for 6 months, then the Regular APR
| Annual Fee | Intro APR | Intro APR Period | Regular APR | Balance Transfer | Credit Quality |
| None | 0%* | 6 Months* | 11.99%-20.99%(Variable)* | Yes | Excellent |
- The Orchard Bank Visa Credit Card can help you get your credit back on track. We report monthly to all three major credit bureaus giving you the opportunity to rebuild your credit with good payment behavior! Get pre-qualified in less than 1 minute!
| Annual Fee | Intro APR | Intro APR Period | Regular APR | Balance Transfer | Credit Quality |
| $0-$75 the first year: $35-$79 per year thereafter | N/A | N/A | 7.90% - 28.90% | Yes | Bad credit |
- Earn up to 25,000 Starpoints (R) - enough for up to 6 free nights at a category 1 or 2 hotel.
- Use Starpoints(R) 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(R) - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines
- Earn one Starpoint(R) for every dollar you spend and double Starpoints(R) at participating Starwood properties and retail partners
- Express Approval. Get a decision in less than 60 seconds.
- Smarter Travel Editor's Choice Award for Best Travel Awards Card for Domestic Use
| Annual Fee | Intro APR | Intro APR Period | Regular APR | Balance Transfer | Credit Quality |
| $0 for the first year, then $45 | 2.9% | 2.90% on Purchases and Balance Transfers for 6 months | 15.24% variable | Yes | N / A |
- 0% intro APR on purchases for 6 months and no annual fee.
- Flexibility to pay over time.
- Turn purchases into free travel: Enjoy travel rewards with no travel restrictions or blackout dates - get points for flights on any airline, stays at any hotel, and car rentals with any company.
| Annual Fee | Intro APR | Intro APR Period | Regular APR | Balance Transfer | Credit Quality |
| None | 0.0% | 0% on Purchases for 6 months | 17.24%-21.24% Variable | Yes | N / A |
- 0% intro APR on purchases for 6 months and no annual fee.
- Flexibility to pay over time.
- Get up to 5% cash back on everyday purchases at supermarkets, gas stations and drug stores.
- Receive your cash back automatically as a statement credit.
| Annual Fee | Intro APR | Intro APR Period | Regular APR | Balance Transfer | Credit Quality |
| None | 0.0% | 0% on Purchases for 6 months | 17.24%-21.24% Variable | Yes | N / A |
- Earn 20,000 bonus SkyMiles® (including 5,000 Medallion Qualification Miles) after first purchase and another 2,500 for adding an Additional Cardmember
- 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
- Check your first bag for free on every Delta flight.
| Annual Fee | Intro APR | Intro APR Period | Regular APR | Balance Transfer | Credit Quality |
| $150 | N / A | N / A | 14.50% variable | Yes | N / A |
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Current Interest Rates
- Update: 09-03-2010
- 12.72% National Average
- 12.88% Low Interest
- 12.99% Student
- 14.49% Business
- 14.49% Cash Back
- 14.49% Instant Approval
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