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 !
Some tips to reduce debt problems

Don't let your debt problems overpower you. Be analytical, creative and realistic to find options that can help you out.
What worked out for somebody else in resolving his economical problems may not be the best choice for you.
Don't feel embarrassed by having financial problems. It could happen to anybody. If you admit you are facing some difficulties, your family and work colleges would be willing to help you in different ways, either by making savings at home or by avoiding you to make unnecessary expenses.
Be frugal. The best way to save is by not expending more than you can really afford.
Elaborate a budget and adhere to it. Don't let money just disappear in your hands. Have a strict control on your expending.
Get an extra income. Every body in the family can help. Teenagers could take a newspaper route to deliver every morning; some members of the family could help couple of hours at a local shop. Those skills you have but probably thought could never use such as painting, writing, teaching some languages or other school subjects could help you to bring home some more money.
Don't be afraid to ask for some advice. Having more options could help you to clarify, organize your ideas and most probably find some strategies to resolve your situation. The answer could be there; just clicking at the right place in the Internet could do wonders for you.