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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CARD FEATURES
Automatic Rewards
When you spend $2,500, you get an American Express® branded shopping card worth $25.I Complimentary credit report (with credit score) every 12 months
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CARD TERMS AND FEES
No Annual Fee, Late Fees, Overlimit Fees, Cash Advance Fees or Balance Transfer Fees
Payment Options
- Pay over time or pay in full.
- Grace Period for purchases is 28-31 days, if the previous balance shown on each billing statement is paid in full by each respective due date.
Annual Percentage Rate
Balance Transfer APR: A fixed rate of 3.99% (0.0164% DPR) for 12 months, on Balance Transfer requests submitted with this application and/or within the first 30 days of Cardmembership.
Clear from American Express® ADDITIONAL BENEFITS
Emergency Services
- Emergency Card ReplacementVII: Receive a new Card if yours has been lost or stolen in as little as 24 hours.
- Global Assist® HotlineVIII: Whenever you travel more than 100 miles from home, we'll provide you with emergency assistance 24/7, including medical and legal referrals, visa/passport help, cash access, lost luggage and more.
Account Management
- Access your account online 24/7: Pay your bill or view up-to-date billing information, including transactions, charges, and payments.
- Online Year-End Summary: Organize your expenses in a snap - download and print the Summary; sort charges by date, merchant name, amount or category, such as Travel and Restaurant.IX
Dedicated Customer Service
* Around-the-clock Customer Service to help you with all your account needs.
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