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 !
Blue from American Express


Blue from American Express
  • Evolving Credit
  • 0% introductory rate for purchases for 15 months
  • Then a fixed APR as low as 3.99%
  • No annual fee
  • 4.99% fixed APR on balance transfers
  • Choose to carry a balance or pay in full Easy Navigation Through Everyday Life
  • Online Fraud Protection Guarantee--protects you against unauthorized purchases online.
  • Built-in Smart Chip--for added Internet security.
  • Plus, An Exciting, Free Rewards Program Register for BlueLootSM--the totally FEE-FREE online rewards program from Blue.

Fundamentals of the Card

Redefine What a Credit Card Can Do
Blue from American Express® is a credit card that adapts to your needs. It's designed to give you more flexibility and independence. You can pay for your purchases in full or pay over time. And the built-in Smart Chip gives you an added level of security when shopping online. Blue has no annual fee, a competitive 0.00% APR for the first 6 months, and then as low as 7.99% fixed APR, a grace period up to 20 days, and a credit line up to $100,000. Additional Cards are fee-free, so you can share virtually all the benefits and services with your friends or family members. Define financial control on your own terms with Blue from American Express®. 1

Enroll in Blue's free rewards program
Enroll in Blue's Fee-Free Rewards Program and start earning points toward incredible rewards from the places you love to shop. Once enrolled, you can earn one point for virtually every dollar you charge with Blue. Buy gas - earn points. Dinner with friends - earn points. You get the idea. Points can quickly add up and may be redeemed for great entertainment, retail, and travel rewards as well as once in a lifetime experiences!

Blue PLAYSM - An Online Auction Site
Cardmembers enrolled in Blue's fee free rewards program, have access to Blue PLAY - an online auction site where eligible Cardmembers can win incredible experiences. At Blue PLAY the points you earn - just by charging with Blue - can be used to bid on rewards like VIP passes to movie premieres, great packages to sporting events and more!

Blue for MusicSM
Announcing a new partnership with Warner Music to present Blue from American Express® Cardmembers with special offers. Get discounts on CD's, download featured songs, enter contests for concert tickets and other music merchandise and more.

ID KeeperSM
Now your Smart Chip lets you surf the Web, shop, and manage your finances with ease, security, and convenience! ID Keeper is the new free Web tool that stores your favorite URLs, log-in, and personal data on your Smart Chip, so you'll never have to input them again!

Transfer Balances Fee-Free
Transfer balances from your higher-rate MasterCard®, Discover®, and Visa®: cards to your American Express®: Card account with no transaction fee! Then enjoy the low APR: Fixed rate of 7.99% for life of balance (until the balance is completely paid off), on BT requests submitted with this application.

Access Your Account Online
You can view up-to-date billing information online, including transactions, charges, and payments.

The Smart Card Reader
The Smart Card Reader enables you to take advantage of the enhanced online security provided by Private Payments®. Private Payments provides a secure, temporary transaction number to use instead of your actual Card number when shopping online. The Reader ensures that only you have access to this feature from your PC. Simply insert your Card into the Reader, enter your PIN (Personal Identification Number), and use Private Payments to shop online with confidence.

CoolBlueOffers®
With CoolBlueOffers, you receive special bonus offers and savings deals just for using Blue at the participating merchants, such as Gap.com, Origins, Sharper Image, and more!

Online Fraud Protection Guarantee
Use the American Express Card online, and you won't be responsible for any unauthorized charges. Period. No fine print, no deductible - just pure protection, so you can shop with confidence anywhere on the Internet.

Your Online Year End Summary
Your Year End Summary of Charges, available online as of February 5, 2004, gives you access to important information 24 hours a day, seven days a week. Flexible features make organizing your expenses a snap - download the Summary and print it out; sort by date, merchant name, or charge amount; review charges made within a category, such as Travel and Restaurant. Your Year End Summary is an indispensable tool for preparing taxes and budgeting. You may also receive a paper Year End Summary in the mail by calling the number on the back of your Card.

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