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 !
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Chase PerfectCardTM MasterCard® |
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Perfectly Rewarding
Until now, gas rebate cards had their limits: one brand of gas and that was it. Those days are over. Earn rebates on all of your gas purchases with the Chase PerfectCard™ Perfectly Rewarding™.
- Perfectly Rewarding
- 6% rebate on all gas purchases made at any gas station for the first 90 days.
- After that, you'll earn a 3% rebate on all gas purchases.
- Earn a 1% rebate on all other purchases everywhere MasterCard® or Visa® is accepted
- 0% Introductory APR* on balance transfers
- All the rebates you earn are automatically credited towards your future purchases
- Worldwide acceptance
- Generous credit line
- Automatic Travel Accident Insurance
- Purchase Protection
- No annual fee first year. Thereafter, the $19 annual fee will be waived if at least nine (9) purchase transactions were made in the prior year.
With the Chase PerfectCard you earn a 6% rebate on all gas purchases made at any gas station for the first 90 days. After that, you'll earn a 3% rebate on all gas purchases. And when you use your card at... a department store... your favorite restaurant... the dry cleaners... grocery stores... or anywhere else you shop, you earn a 1% rebate. Plus, your rebates are automatically credited toward any future purchases made with your
Chase PerfectCard. The payoff for you is fast and easy. With the Chase PerfectCard, you don't need to go out of your way to earn your rebates. Simply use your card everywhere you go.
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