A to Z Credit Cards

The credit card offers in this section are the most popular balance transfer credit cards found online. Balance transfer credit cards are great when you need to get rid of that high interest rate credit card or to extend the 0% APR period you're currently on. These cards have great intro APR's on balance transfers and low balance transfer fees, they also have rewards and cash back. Search through these credit card offers and apply for one that best meets your needs. We at AtoZ Credit Cards currently recommend Capital One's Platinum Prestige Visa. It has 0% APR until October of 2009 with a great low variable interest rate of 8.9%.

Visa Platinum Cashback Rewards Card

13.99% APR -- lower than most rewards cards!
Earn 5.00% cash back from gas purchases paid at the pump*
Earn 1.00% cash back from all purchases** you make with the card during each billing cycle
Up to $50,000 limit
No Annual Fee
Cash Rewards credited each month
No special restrictions to earn your cash rewards
Limited Time Only – Low Balance Transfer Rates†

Terms and Conditions

Intro APR	Intro Period	Regular APR	Annual Fee	Credit Type
N/A	N/A	13.99%	None	Excellent

PenFed Promise VISA Card

Absolutely no fees!
7.49% introductory purchase APR for first 36 months! After that, the APR will vary with the Prime Rate, and is currently 9.99% APR.
No-fee cash advances carry a 17.99% APR
No Foreign Transaction Fees!
Some restrictions apply.

Terms and Conditions

Intro APR	Intro Period	Regular APR	Annual Fee	Credit Type
7.49%	36 months	9.99%	None	Excellent

Escape by Discover® Card

Earn up to $250 in travel rewards--1,000 Bonus miles every month you make a purchase for the first 25 months
Double Miles on every $1 you spend
0% intro APR on purchases and balance transfers for 6 months, then the variable purchase APR of 10.99% - 16.99%
No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
Flexible redemption options like travel credits, merchandise, gift cards or cash
Travel Insurance benefits, including primary car rental, lost or damaged luggage, travel delay, and trip cancellation when you book with your Escape by Discover card
Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)

Intro APR	Intro Period	Regular APR	Annual Fee	Credit Type
0%*	6 months*	10.99%-16.99% (Variable)*	$60*	Excellent

IBERIABANK Visa® Platinum Card

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. (If there is an interest charge, the charge will be no less than $1.00).
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 of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Earn 1 bonus point for every $1 in qualifying net retail purchases
Turn your points into hotel, gift, or experience rewards
Travel accident coverage up to $1,000,000
Online access to credit card account information

Intro APR	Intro Period	Regular APR	Annual Fee	Credit Type
N/A	N/A	9.25%, 12.25%, or 15.25%	None	Excellent

PenFed Premium Travel Rewards American Express® Card

No annual fee
5x points on airfare purchases and 1x points on all other purchases
20,000 bonus points upon spending $650 in the first 3 months
Complimentary concierge service
Exceptional travel offers and discounts
VIP airport lounge access with $15,000 in annual spend

Terms and Conditions

Intro APR	Intro Period	Regular APR	Annual Fee	Credit Type
N/A	N/A	13.24%	$50	Excellent

Visa® Black Card

Made with carbon, not just another piece of plastic; Membership is limited
24-hour concierge service at your disposal
Access to over 600 VIP airport lounges worldwide in over 100 countries
Exclusive rewards program; 1% cash back or airfare on any airline - no blackouts or restrictions
Accepted globally; zero liability protection against unauthorized purchases

Intro APR	Intro Period	Regular APR	Annual Fee	Credit Type
N/A	N/A	14.99%	$495	Excellent

IBERIABANK Visa® Classic Card

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. (If there is an interest charge, the charge will be no less than $1.00).
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 of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Online access to credit card account information

Intro APR	Intro Period	Regular APR	Annual Fee	Credit Type
N/A	N/A	7.25%, 10.25%, or 13.25%	None	Excellent

Discover® More Card

0% intro APR on purchases for 6 months, then the variable purchase APR of 11.99% - 20.99%
0% intro APR on balance transfers for 18 months, then the variable purchase APR of 11.99% - 20.99%
5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)24/7 access to a U.S. based Account Manager within 60 seconds
$0 Fraud Liability plus automatic mobile and email fraud alerts
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee

Intro APR	Intro Period	Regular APR	Annual Fee	Credit Type
0%*	6 months*	11.99%-20.99% (Variable)*	None	Excellent

IBERIABANK Visa® Gold Card

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. (If there is an interest charge, the charge will be no less than $1.00).
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 of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
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
Travel accident coverage up to $500,000
Online access to credit card account information

Intro APR	Intro Period	Regular APR	Annual Fee	Credit Type
N/A	N/A	9.25%, 12.25%, or 15.25%	None	Excellent

Discover® Motiva(SM) Card

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*

Intro APR	Intro Period	Regular APR	Annual Fee	Credit Type
3.99%*	Up to 12 Months*	11.99% - 18.99%*	None	Good

Discover® More Card

0% intro APR on purchases and balance transfers for 15 months, then the variable purchase APR of 11.99% - 20.99%
5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
24/7 access to a U.S. based Account Manager within 60 seconds
$0 Fraud Liability plus automatic mobile and email fraud alerts
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee

Intro APR	Intro Period	Regular APR	Annual Fee	Credit Type
0%*	15 Months*	11.99% - 20.99% (Variable)*	None	Excellent

TrueEarnings(R) Card from Costco and American Express

American Express(R) Card and Costco Membership Card in one - with no annual fee for Costco members
Cash back on the things you buy: 3% for the first $3,000 in annual gasoline purchases (1% thereafter), 2% for restaurants, 2% for travel, and 1% everywhere else, including Costco
Rated 4.5 out of 5 stars in overall satisfaction by current TrueEarnings(R) Cardmembers from Costco and American Express

Intro APR	Intro Period	Regular APR	Annual Fee	Credit Type
See Terms*	See Terms*	15.24% variable	See Terms*	Excellent

Miles by Discover® Card

Earn up to $120 in travel rewards--1,000 Bonus miles every month you make a purchase for the first year
1 mile on every $1 you spend
0% intro APR on purchases and balance transfers for 6 months, then the variable purchase APR of 10.99% - 16.99%
No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
Flexible redemption options like travel credits, merchandise, gift cards or cash
Travel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover card
Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee

Intro APR	Intro Period	Regular APR	Annual Fee	Credit Type
0%*	6 Months*	10.99%-16.99% (Variable)*	None	Good

Discover® Open Road Card

Free $150 Restaurant.com Gift Certificate with first purchase
0% intro APR on purchases and balance transfers for 12 months, then the variable purchase APR of 11.99% - 20.99%
2% automatically at any gas station and any restaurant all year long
Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
24/7 access to a U.S. based Account Manager within 60 seconds
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee

Intro APR	Intro Period	Regular APR	Annual Fee	Credit Type
0%*	12 Months*	11.99% - 20.99% (Variable)*	None	Good

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

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