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 !
TrueEarnings® Card from Costco and American Express®


TrueEarnings Card from Costco and American Express
Earn true cash back the simple way

TrueEarnings® Card from Costco and American Express

Card features
  • Earn 3% cash back for gasoline.
  • Earn 3% cash back for restaurants.
  • Earn 2%cash back for travel.
  • Earn 1%cash back everywhere else, including Costco.
  • No minimum on how much you have to spend.
  • No limit on what you can earn with the TrueEarnings Card.
  • Cash back earnings accumulates over the course of the year and the total is issued to you in your February billing statement.
The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card

No Annual Fee with your paid Costco Membership Payment Options
  • Pay over time or pay in full.
  • Grace Period for purchases is up to 20 days, if the previous balance shown on each billing statement is paid in full by each respective due date.

Annual Percentage Rate
  • 0.00% Intro APR for 3 months on purchases made with the Card.
  • For Balance transfers, APR is 1.99% for 6 months when you transfer a balance during the first 30 days of Cardmembership.

Apply for this credit card