0% balance transfer, low apr credit cards directory. Transfer your balances from your old, higher APR credit cards, such as Visa, or MasterCard for free! It's a smart way to consolidate and track your total debt and to gain control of your finances. Take advantage of a special introductory balance transfer APR credit card, when you transfer your high-interest credit card amount,or small loan balances to your new, low APR credit card. Use one of the free balance transfer credit cards such as Discover Platinum or Subaru from Chase. To see if a great rate is available for you, or to see how much you can save, just scroll down!.

We collected all the free balance transfer credit cards available on the Internet.

Applying online is very simple. Just choose the credit card you like the most on this page and click it. On the next screen you'll see even more detailed information about that particular credit card. Then just answer a few questions to apply. You'll get an answer to your credit card application in a few minutes!


Here’s a little info about
Annual Percentage Rate:

It can either be "fixed" or "variable". Fixed-rate APR-s are usually a little higher, but you know exactly how much you will be charged each month. A variable or floating rate will fluctuate based on a published index.

For example: The APR on your credit card is 18%. Typically, credit card companies calculate that rate on either a daily or monthly basis. The daily rate is calculated on your daily balance and the monthly rate on your monthly.
Let's say you charge $800 for a new TV. Few weeks later, you get your bill and you decide to pay only the minimum. This is when finance charge steps in, and if your card works on a monthly basis, you will be charged 1-1/2% , (or1.5 %) interest on $800.

Where did the 1.5 % come from? That’s 18% divided by 12, as 12 months in a year. (Annual Percentage Rate).

Next month, when you get your bill, and you did not charged anything on your card, and you made your minimum payment of $15, you will be unsatisfised.

From the $15 minimum payment you made, $12 pays the interest and only $3 will reduce the $800 down to $797. — which does not seem like much progress.

This is where you have to be carefull. If you only make the minimum payment each month, most of your money goes toward paying off the finance charge—the amount you’re being charged on the money you’ve effectively borrowed from the credit card company.

So, if you borrow the money for a long time, you would end up paying far more for the product than you originally wanted.

This is why it’s far more smart business—to choose a card with low APR and pay not only the minimum payment but as much as you can !
Balance transfer: Consolidate your debt quickly and securely

Apply online for a balance transfer of 0% interest or get a cashback bonus!
Finding your credit card with balance transfer of 0% is simple with the help of our directory. The credit card providers featured on our site are offering some of the best deals available online. Read our quick guide on balance transfers then browse the offers and apply online.

How does credit card balance transfer work?
Balance transfer is a special offer from the credit card issuer. When you agree to transfer the balance from one credit card to another the creditor that you are transferring to issues a check for the other credit card company. Thus from the point of the company who you are transferring from it appears as if you made a single payment in the amount of the transfer. With most companies this should not cause any problems with the creditor you are transferring from. If you have doubts however it is best to check with them. Just give them a call and ask about your agreement with them.

How can credit card balance transfer save me money?
It saves you money by simply reducing your monthly interest charges. Before agreeing to a balance transfer make sure that you get the best rate fit for your budget and plans. If you are planning to take advantage of an introductory rate and hope to transfer again when the introductory rate is up you are taking chances. The chance that you won't be able to transfer again. In that case don't forget that the interest rate will go up after the introductory period. For example if the rates go up to 12.99% after the introductory period and you get stuck with them then after paying the interest charges after several months at that rate you'll be at the same level as if you would have taken a fix 9.99% low rate offer without introductory period. This is why we offer fixed low cards without introductory rates as well so that your options are open.