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 !
Gold Delta SkyMiles Credit Card


Gold Delta SkyMiles Credit Card

Your next vacation is closer than you think.



  • Get 10,000 Bonus SkyMiles® with your first purchase. 1
  • Earn Always Double Miles® on Delta purchases, at supermarkets, drugstores, gas stations, home improvement stores, the US Postal Service - even on your wireless phone bill payments. 2
  • Earn one SkyMile for every other eligible dollar you charge.
Enjoy added convenience, security, and savings.
  • Your frequent flyer number is conveniently printed on your Card.
  • Shopping security with Purchase Protection 3 and Buyer's Assurance. 4
Get where you want to go sooner.
  • No blackout dates
  • SkyMiles never expire 5
  • Choose from over 400 Delta award destinations worldwide.
1. 10,000 SkyMiles will be awarded after you use your Card for the first time. Please allow 6-8 weeks after you make your first purchase with the Card. This offer is valid for first-time Delta SkyMiles Cardmembers only. You may be permitted to have more than one Delta SkyMiles Credit Card Account, however you are eligible to receive welcome bonus miles for only one Card Account.

2. Offer applies at qualifying stand-alone supermarkets, drugstores, gas stations, home improvement and hardware stores, and the U.S. Postal Service. Not valid in the departments of superstores or warehouse clubs. American Express® Cards are not currently accepted for bulk mail. Offer applies for wireless phone bill payments only. To pay your wireless phone bill automatically using your Delta SkyMiles Credit Card, please call your wireless service provider. Offer applies to qualifying Delta or Delta Connection® flights taken with the purchase of a fare that is eligible for frequent flyer mileage credit. Offer applies to Delta Vacations® packages but not other all-inclusive packages.In each year of Cardmembership, your miles are limited to $60,000 of eligible spending ($100,000 for Gold Delta SkyMiles Cardmembers, unlimited for Platinum Delta SkyMiles Cardmembers), not including bonuses. However, one mile for each U.S. dollar of eligible spending on Delta charges will be awarded aboe this limit. Bonus miles will be posted to your Delta SkyMiles account 8 to 12 weeks after the end of each month.

3. The Buyer's Assurance Plan coverage is limited to eligible products costing $10,000 or less, excluding taxes, up to $50,000 per Cardmember account per policy year. Underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is subject to the terms, conditions, and exclusions of Policy AX0953.

4. The Purchase Protection Plan covers items purchased with the Card for 90 days from the date of purchase, up to $1,000 per occurrence, $50,000 per Cardmember per policy year, in excess of other applicable insurance. For more details or to file a claim, call 1-800-322-1277. Underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is subject to the terms, conditions, and exclusions of Policy AX0951.

5. Mileage will not expire as long as members participate every three years in one of the following: travel on a qualifying Delta, Delta Connection, Delta Shuttle flight, redeem miles for a SkyMiles Award, or accrue miles with one of the SkyMiles program partners, including the Delta SkyMiles Credit Card.

Apply for this credit card