1. 2. Discover® Card Discover® More Card 5% Cashback Bonus. 3. Discover® Card Discover® More Card - 18 Month Promotional Balance Transfer 0% APR for 18 Months on BT.

1. HSBC Bank Nevada Orchard Bank® Classic MasterCards Low Annual Fee. 2. 3. HSBC Bank Nevada Orchard Bank® Visa® Cards Reports to 3 major Credit Bureaus.

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For those consumers who wish to transfer their current balance our experts have selected best credit card offers. Among them are two great cards from Discover - More Card and More Card - Clear. Both of them have 0% APR on balance transfer for 12 months. We are not sure where you saw the 149% interest rate but most likely there was a temporary error on the banks page. Please take a close look at the terms and conditions of the offer.

If you feel uncomfortable applying for a Discover credit card consider other offers. For example, Platinum Visa® issued by Chase Bank also has 0% APR for balance transfer for 12 months.

Bankruptcy is a complicated problem for a credit card holder, but there is always a way to improve the situation. Bankruptcy does not only make your credit rating lower, it leaves the negative record on your credit report which stays there for 5 – 7 years. Few banks provide credit card offers for people who filed for it, but there are companies offering credit cards for those who want to rebuild their credit after bankruptcy. You can consider the following options.Secured credit cards are known to be easily approved, because you make a security deposit which guarantees you will pay off your debt. Besides, secured cards can have lower fees and interest in comparison with unsecured plastics for bad/no credit. Try Platinum MasterCard by Millennium bank which provides credit limits of up to $10,000 and has the same interest rate on purchases and cash advance. First PREMIER bank introduces a range of credit options for people with damaged credit. Check out the bank's unsecured credit cards for low credit score. Compare First PREMIER Centennial Visa/MasterCard or Centennial Gold Visa/MasterCard – they have moderate APR and fees. Besides, the bank provides quick guaranteed approval for all applicants and reports to all major credit bureaus.No matter which credit card you will choose, your success in credit rebuilding depends on how accurate you are with your payments. Pay on time, make more than minimum payments and keep within your credit limit, and you will be able to significantly improve your credit.Good luck! Establishing credit, you should be especially choosy and reasonable, as your first credit card and the way you use it will be a decisive factor in what your credit history is going to be like. Consider credit card offers which are marked as cards for no credit history, choose the one that fits your needs and make your application. Mind it, you should apply for bank cards you are eligible for and try to get as many positive credit records (store credit cards, status of authorized user on somebody's credit card and the like) as possible. However, avoid multiple applications, as it can lead to denials and debt! Here are some credit card offers for people who are going to build a credit history. Look at Capital One Standard Platinum card which has no annual fee, 0% introductory APR and a competitive ongoing APR. Among the card deals of this bank you can also check out Platinum Max MasterCard which has a lower fixed APR, zero balance transfer APR and low annual fee. Another credit card provider of credit cards for limited credit is First PREMIER bank. First PREMIER Centennial Visa/MasterCard (you can choose the type of a card) provides reporting to four credit bureaus, low APR on purchases and quick credit decision.

Customers who have flawless credit history and who have been a reliable credit card holder with their bank, can ask for a lower interest rate, just contacting the bank's customer service representatives. Of course, there is no guarantee that the bank will give you what you ask, but in many cases people are a success. if you really think your current interest rate is unbearable or there are more beneficial credit card offers by other banks, call your credit company and tell them about it. You can be given a lower or 0% APR and fees, depending on your case.

For very good credit score, there are a number of credit card offers with extra beneficial features and lowest interest rates.

For example, Citi Platinum Select card rpovide 0%APR on purchase and balance trasnfers for 12 months, no annual fee, a range of online services and identity thft protection program.

If you are a frequent flyer, you can check out Capital One No Hassle Miles card - it gives 1,25 miles rewards for each dollar spent and 13,9 APR on both purchases and balance transfers.

Another popular credit card for good and excellent credit is Blue card by American Express. it provides 0% on purchases for 15 months and only 4. 99 % on balance transfers, plus a bunch of alluring rewards.

Of course, you should establish credit! It is no secret that people with good credit enjoy tangible savings and rewards when using credit cards. It goes without saying that good and excellent credit history helps you get lower interest rates on cards and loans. In order to establish credit, you should choose a credit card that provides guaranteed approval or does not require good credit score. First of all, you should get an account in your name - a savings account, a debit card or both. Thus the bank will see you are responsible enough to use banking services. After that you can apply for a store card or a credit card for bad/no credit, very often it is a secured type of a card which requires a security deposit and provides guaranteed approval, accordingly. An example of such a card is Millennium bank Black Diamond card which provides up to $10.000 of credit limit (depending on your security deposit) and moderate APR on purchases and cash advance. A beneficial credit card for limited credit is Capital One Standard Platinum, which has intro APR of 0% and 19.5% ongoing APR, plus convenient account management service. Though, you should be very careful when applying for a Capital One credit card, if your credit is far from ideal.

Your credit score is really high, and you have all the chances to find the right card with which you can save a lot.

When it comes to balance transfers, there can be several great options. If the balance you're going to transfer is not that heavy and you can pay it off within the introductory period, cards with a 0% Intro APR are the best.

Discover More Card can be a smart choice for you. This card gives you 0% promotional rates on balance transfers within 12 months. Plus, it has no annual fee, so you don't have to pay extra charges for the maintenance of the card. Unfortunately, there are no 0% balance transfer cards available on offer that do not charge a balance transfer fee.

This card comes with a balance transfer fee of 3% with cap of $75. It means you will pay a fee of no more than $75 when transferring your balance from one card to another.

Another card offering 0% intro rates on balance transfers within 12 months is Platinum Visa by Chase. This card also comes with 0% rates on purchases and no annual fee. It has a capped balance transfer fee of 3%.

Citi Platinum Select Card is also a good choice. It gives 0% rates on both balance transfers and purchases for up to 12 months. Again, no annual fee is required to be paid. Plus, it has low ongoing interest rates. Look through these offers, compare their features and make your choice. Good luck!

Right now it is not possible to find a card that has 0% APR on balance transfer and no balance transfer fee. A balance transfer is a service and you should pay for it some way or another. Since a totally "free" balance transfer is not an option you need to analyze your situation and find the deal that will be less costly for you.If you have good or excellent credit and need to transfer a significant amount, the best option for you will be More Card - American Flag from Discover. It has 0% APR for 12 months and 3% charge ($75 maximum). The advantage of Blue from American Express is that it offers fixed low APR for balance transfer till it is paid off. This feature is especially convenient if you are not sure that 12 months is enough time to pay off the balance in full. This card is also for good or excellent credit.If your credit is limited you should apply for Platinum-Visa from Capital One. This card is designed especially for those who have average credit but need to pay off their balance faster with lower APR. You get a card with low rate APR on balance transfer.Consider all the options and apply for the card that is best for your situation. Unfortunately, nowadays banks do not offer cards that have 0% APR on balance transfer and no balance transfer charge. A balance transfer is one of the regular banking services and the banks expect you to pay for it. Since you cannot count on a totally "free" balance transfer deal you need take into account all the details and find the card that will allow you to make a less costly balance transfer.If you have good/excellent credit and look for a card to transfer significant balance, the best deal for you will be More Card - American Flag from Discover. The card has 0% APR for 12 months and 3% charge ($75 maximum). Another option is Blue from American Express that offers fixed low APR for balance transfer for unlimited period of time. This feature is especially advantageous for those who are not sure that a year is enough time to pay off the balance. This offer is also for good/excellent credit.If your credit is average you should apply for Platinum-Visa from Capital One. This offer is designed for those who have limited credit but want to pay off their balance faster with lower APR. You get a deal with very low rate APR on balance transfer.Select the offer that works best for you. Your credit score shows your creditworthiness. Since you have limited or no credit the banks are not sure whether you will be a responsible cardholder or not. That is why fees and interest rates for consumers with no credit are higher than those for clients with good or excellent score. Look at those cards for no credit as the first stage of building your credit report. By applying for such a card you invest in your future good credit.There are several ways you can go to establish credit. You can apply for one of the cards issued by Capital One. For example, Platinum-Visa card has low rate APR but it has a $39 annual fee. Standard Platinum card has no annual fee, but the APR is higher. It is up to you to choose which card suits you better.You should also consider applying for a secured credit card, such as Secured Visa® Credit Card from Applied Bank. It has very low fixed APR and the annual fee is only $50. However, you will need to make a bank deposit to serve as collateral since it is a secured credit card.

The card that has the longest intro period (15 months) with 0% APR on purchases is Blue from American Express. It has no annual fee and very low ongoing APR. It also has very low APR on balance transfer until it is paid off.

Platinum Visa® from Chase is another great card for purchases. The 0% intro APR is valid for 12 months. The card has no maintenance fee and low APR. Free Cash RewardsSM Visa® Card has similar features but also offers a cashback program.