Noah_Bodie, I looked and it is a Juniper Mastercard. But now I have a delimna. I received in the mail today a WaMu Visa offer, 9.99% variable, 4% fee on balance transfers and introductory 0% APR on balance transfers until September 2008. If I do the 0%, I can pay down other CCs and have a little over a year to pay it off with no interest. Juniper is 8.99% fixed and has a 3% transfer fee. In the long run does anyone have an opinion on which is better?