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 !
Effective FREE Strategies to Reduce Debt

Financial hardship is a major source of stress. Two Effective FREE Strategies to Reduce Debt.

The Good News and the Bad News:
The dishwasher breaks; your car needs new brakes; the roof springs a leak; you're laid off from work: our basic needs sometimes exceed our income, which means we spend money not in our budget. The good news: credit cards can be lifesavers in these situations.

The bad news: a $3000 balance will take 39 years to pay back at an interest rate of 19.8% a year and you pay only the minimum balance each month. This means your original $3000 costs a total $13,000 including the interest! This is why credit card companies market their services so aggressively. Credit equals profit: for them. For emergencies, use your credit card but don't charge items you can live without if you carry a balance from month to month.

First Strategy: Get Interest Rates reduced! Transfer balances from high interest cards to low interest cards if you can. If you carry a balance and your interest rate is higher than 7% call customer service and ask to speak to a supervisor. This person will ask: "Why you want to speak to a supervisor?" You say: "Because I want an interest rate reduction." If they can; they will offer you a decrease immediately rather than bother their supervisor. If they refuse, don't give up: ask to be to transferred to a supervisor. Persist. One client took only 2.5 minutes to decrease his interest, on three cards, a total of 15 points, another client called once a week for six weeks before getting a reduction.

If you have maxxed out your cards because of an emergency, tell customer service what happened. They are human. You may get a more positive response [Don't be tempted to make up a story; they hear many tales of woe and it's easy to detect ones that are not true].

If you have maxxed out your cards because you are an impulsive spender: cut up your cards. Get counseling before it gets worse.

Second Strategy: Pay down High Interest Rates First. Got more than one credit card debt? I know clients who pay their credit card bills with equal dollar amounts on each card each month. That does not make financial sense.

Write down the your balance and interest rate for each card. Pay the minimum on every bill except for the bill with the highest interest rate. Pay as much as you can afford on this bill so you pay it down. When this one is paid off, start paying down the card with the next highest interest rate.

Remember to Persist: Once you have paid a bill down from maximum, call again for a reduction in interest even if they refused you a couple of months earlier. Also check if you can increase your credit on a lower rate card so you can then transfer debt from a higher interest rate card. If you don't understand this, go to your bank and ask the customer service person to explain it to you.

Five Easy Ways Enjoy Yourself and Save Money: Invite friends to your home instead of meeting in a restaurant. When they ask: "What can I bring?" say "How about an appetizer or dessert." Make a tasty, inexpensive main course like spaghetti with sauce and a salad: they bring the rest and everyone saves. Resist buying manufactured, packaged foods - manufacturing and packaging increase costs - plus most junk foods and candies are expensive and have little or no nutritional value. Reduce the amount you spend on cigarettes, alcohol [or recreational drugs]. You save money, calories and your brain! Reorganize your closets. Find and wear clothes you forgot you had. Resist buying new clothes, makeup, shoes or anything you don't really need. Rent videos & DVDs instead of paying $8 at the movies. Loan books from the library for free instead of buying paperbacks.

Three ways to generate money: Tell your pals your new years resolution is to pay off your credit cards and you will be their girl/guy Friday for [say] $20 an hour to help them [clean out their closets, garage, garden, attic]. My pal was laid off when I moved house, I still remember her Girl Friday help: it was worth every penny. Have a garage sale - invite your neighbors to have one on the same day and you will attract more traffic to your street. Take paperbacks to the office and sell them - sell children's videos they no longer watch or toys they've outgrown. Tell everyone you are recycling. It's true. You are recycling for money.