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what does o% apr on balance transfers mean

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Millennium Bank Platinum MasterCard®
The following fees will be billed to the first statement: an annual fee of $48, an account set-up fee of $29, a program fee of $95, and a monthly participation fee of $6. These types of fees are common for cards designed for poor or limited credit and will reduce the cardholder?s available credit until they are paid. Account set-up fee is $29 (one time fee).Program fee is $95 (one time fee).$25 fee for a credit line increase for an unsecured card.Reports monthly to four major credit bureaus.See website for complete terms and conditions of card usage and application disclosure.
Citibank Citi® Diamond Preferred® Card

Discover® Card Discover® Business Cashback Card

Intro APR	APR %	Annual Fee
0% Intro APR for 12 months	10.99%	No annual fee

• 0% Intro APR.
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• 5% Cashback Bonus®.
• Up to 1% Cashback Bonus
on all other purchases automatically.
• Unlimited cash rewards.
• Turn your Cashback Bonus into bigger rewards everytime when you redeem for gift cards from over 100 brand-name Partners.
• $0 Fraud Liability Guarantee.

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American Express® Delta SkyMiles® Gold Card

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Citi® mtvU™ Platinum Select® Visa® Card for College Students

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