0% Balance Transfer Credit Cards Save big! Pay zero interest on balance transfer credit cards. The credit cards listed below offer valuable features to help you consolidate credit card debt. If you’re carrying balances on a number of cards, a balance transfer credit card will let you bring it all to one place. In addition to consolidating debt, many of these cards offer a 0% APR introductory period. During this time you won’t have to pay any interest on the balance transfer, and some cards also offer this feature for new purchases too. Look through the options below to find the right balance transfer credit card. Then click the "Apply" button to start your secure online application.

Discover® More Card 0% intro APR on balance transfers for a full 15 months, then the Regular APR 0% intro APR on purchases for a full 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 Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 6 Months* 11.99% - 20.99% (Variable)* None Yes Excellent

Citi® Platinum Select® MasterCard® 0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months. After that, the APR will be 11.99%-19.99% based upon your creditworthiness. This APR will vary with the market based on the Prime Rate* Extra Cash from Citi: enjoy discounts on gift cards,travel, merchandise and more Citi® Identity Theft Solutions Secure, free online account management No annual fee Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0% 12 months on Purchases* 11.99% - 19.99%* (Variable) None Yes Good

Discover® More Card - Black 0% intro APR on balance transfers for a full 12 months, then the Regular APR 0% intro APR on purchases for a full 9 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 Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 9 months* 11.99% - 20.99% (Variable)* None Yes Excellent

Citi® Dividend Platinum Select® MasterCard® 0% Intro APR on Balance Transfers for 15 months. After that, the APR will be 12.99%-20.99% based on your creditworthiness*. This APR will vary with the market based on the Prime Rate. Earn 5% cash back at restaurants and on car rentals and hotels from 7/1/10 to 9/30/10. Enrollment required each quarter. Full 1% cash back on eligible purchases and cash advances. Earn extra cash back on popular, rotating categories each quarter. Average 5% additional cash back through Citi Bonus Cash Center® No Annual Fee Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed N/A N/A 12.99% - 20.99%* (Variable) None Yes Excellent

Citi® Diamond Preferred® Rewards Card $50 gift card - Redeem 6,000 bonus points after $300 in purchases within 3 months of account opening 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-20.99% based on creditworthiness*. This APR will vary with the market based on the Prime Rate. 5 ThankYou® Points for every $1 spent on purchases at supermarkets, drugstores and gas stations for 12 months, 1 ThankYou Point thereafter** Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more No annual fee Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0% 12 months* 12.99% - 20.99%* (Variable) None Yes Good

Discover® More Card - $75 Cashback Bonus 0% intro APR on balance transfers for a full 12 months, then the Regular APR 0% intro APR on purchases for a full 6 months, then the Regular APR Get $75 Cashback Bonus when you make $500 in purchases within 3 months 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 Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 6 months* 11.99% - 20.99% (Variable)* None Yes Excellent

Discover® Open Road Card 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 Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 6 Months* 11.99% - 20.99% (Variable)* None Yes Good

Miles by Discover® Card 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 Use Miles for travel, merchandise, gift cards or cash 0% intro APR on purchases and balance transfers for 6 months then the regular APR No Annual Fee, No Overlimit Fee, No Redemption Fee Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 6 Months* 10.99% - 16.99% (Variable)* None Yes Good

TrueEarnings(R) Card from Costco and American Express 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 Period Regular APR Annual Fee Balance Transfer Credit Needed See Terms* See Terms* 15.24% variable See Terms* Yes Excellent

Balance Transfer Credit Cards: 4 steps toward a good balance transfer experience

If you’ve heard of balance transfer credit cards and seen the offers, you know that there’s definitely an opportunity in them to get rid of any debt you’re carrying. Follow these steps to ensure that the balance transfer credit card you pick out works for you – and better yet, helps you build a better financial future.

Know what you Need For starters, you’ll want to have a full understanding of where you stand in terms of credit and debt. Look through your current credit cards and tally up the balances on them. Then find the interest rate you’re currently paying for each of these. Could you do better? Probably, and that’s where a balance transfer credit card comes in to play.

Look at the Options Once you know what you want to transfer, sort through your options on the Internet. For each card, look at the balance transfer fee that it charges. Also check for an annual fee and any other charges.

Find what the interest rate offers are and how long they last. Then look for additional benefits. Numerous balance transfer credit cards include a rewards program and other features, such as travel insurance.

Write down your Plan Most balance transfer credit cards come with an introductory period where you won’t be charged any interest. This 0% APR will last for 6 to 12 months. It usually applies toward balance transfers, although some cards include the offer for new purchases too.

Take into account the zero-interest period, and write down how much you are going to pay toward the consolidated balance each month. This is where you’ll save hundreds of dollars on interest charges and get your balance down quickly.

Stick to It Once you have the balance transfer credit card, make the monthly payments as planned. If possible, avoid making new purchases until the balance is paid off. As soon as that happens, you can start using the card just as you would a regular credit card.

* See the online balance transfer credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all balance transfer 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.