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  0% APR on Balance Transfer
- 0% Intro APR.*
- No Annual Fee.
- 5% Cashback Bonus®.**
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- 0% Intro APR for up to 12 months.
- No Annual Fee.
- Free Online Account Access.
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- 0% Intro APR.*
- No Annual Fee.
- 5% Cashback Bonus®.**
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- 0% Intro APR for 6 months.
- No Annual Fee.
- Earn one INSIDE Rewards point for every eligible dollar you spend, whether you′re in Chicago or not.
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- 0% Intro APR.*
- No Annual Fee.
- 5% Cashback Bonus®.**
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- 0% Intro APR for 6 months.
- No Annual Fee.
- Option to carry a balance.
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- 0% APR on BT and purchases for up to 12 months.
- No Annual Fee.
- $0 liability on unauthorized purchases.
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0% APR Cards - Balance Transfer
People are not always happy with their credit cards - due to the debt they accumulate on them or to the unsatisfactory terms the cards have. Balance transfer enables the consumer to move one's current balance to a new card with a lower or zero interest, often providing more benefits and lower fees.
It can often be surprising to learn that your wishes are anticipated by someone.
1. Thus, credit card companies introduce new 0% balance transfer cards to offer more and more beneficial terms to the consumers who are eager to pay less interest and receive more rewards.
This type of cards is chiefly available for good and excellent credit.
2. As you apply for a balance transfer plastic, your balance is transferred to a new credit account and you can pay it off with no interest. In some cases, you have to pay a balance transfer fee (which is 3-5% of the balance transferred), but many cards (for example, American Express products) do not imply this fee.
3. Looking through the balance transfer card applications at our site, you can notice that some of them provide points and cash back. This are a great addition to 0% APR. If you are going to spend much, getting a card with rewards makes sense. In other cases having lower interest on purchases is enough.
4. Using balance transfer cards can save your money, but some people overdo it transferring balances too often. This helps them to have a constant 0% APR, but results in a lower credit score. Too many plastics are no good for both your finance and credit score.
5. As you received your balance transfer card, try to stay away from making purchases until you pay off your transferred balance, as these cards imply a considerable APR on purchases and you can increase the debt. Besides, when comparing the products, it is recommended that you compare the fees as well, to find the most beneficial deal.
At ApplyFast.com you can find the prime of balance transfer credit cards. You are welcome to make an easy and safe application for a card to your liking.
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News About Credit Cards
Keep up with the latest news of ApplyFast.com! Read the news below or see the extensive news list giving curious facts happened in the credit sphere not long ago.
Credit Card Fines Payment
(03:21:57 AM Thursday, May 8, 2008)
Nowadays you can hardly find a location where credit cards are not accepted. You can pay with your plastic at shopping malls and gas stations, book airlines tickets or rent a car. The number of institutions accepting credit cards is increasing. Now you can use your MasterCard, American Express, Visa and Discover plastics at sheriff's offices in California. They have started to accept credit card payments for traffic tickets.
Credit Score Improving
(06:15:27 AM Thursday, May 1, 2008)
Qualifying for a credit card has become increasingly difficult under the dark cloud of the global credit crunch. The lending standards are getting tighter. If earlier credit card holders applied their energy to accumulating cash back or frequent flier miles, now they do their best to improve their credit scores. They understand that positive FICO score is their best guarantee of getting a credit card with beneficial features and terms in future.
Got so many questions about credit cards? Or, there are a couple of things you have lost of sight? Consult our Q&A Online Session, resolve your doubts! Our managers are ready to answer you on weekdays. The service is ready to accept your questions 24/7 every day!
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Credit Cards Tips
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Business Credit Cards with Rewards
Business credit cards are a real helping hand for business owners. They allow users to establish business capital, build up the image and add credibility to the name of their company, separate business finances from personal ones and make bookkeeping tasks a lot easier to handle. Many customers value business credit cards for their extremely beneficial rewards programs. Typically, they provide more cash rebates or points rewards than credit cards for consumers and students. You can make the most out of your rewards program if you choose a credit card that matches your kind of business.
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Prepaid Credit Cards
People with no or bad credit history have a limited choice of credit offers: they can apply for unsecured cards for bad/no credit, secured cards or prepaid credit cards. Two last categories require funds to be deposited before using the plastics. The main difference is in the usage of those funds. Secured credit card deposit will be used to cover your debt if you fail to pay your credit bills. Prepaid credit card deposit will be used as your credit line. But if you pay with your own money, is a prepaid credit card really credit?
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Credit Cards after Bankruptcy
Bankruptcy leaves a black mark on your credit score. Your level of credit risk dramatically goes up in creditors' eyes. Fortunately, the effect doesn't last forever. Filing for Chapter 7 or Chapter 13 bankruptcy will affect your credit rating for up to 10 years. Long before the bankruptcy is removed off your credit report, you can qualify for credit cards with good rates and moderate fees. Certainly, a lot will depend on your specific situation, for example the level of income or age of bankruptcy. But you can take measures to improve your credit rating.
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Using Credit Cards Overseas
Having your plastic handy on holiday in foreign countries is a good idea. They can give you lots of freedom and peace of mind due to many reasons. You will be able not to carry lots of cash with you and therefore avoid robbery. You will have sufficient funds in case of an emergency. Many businesses, for example car rentals or hotels require a credit card to leave a deposit. So having a plastic in your wallet will be convenient and beneficial. However, there some pitfalls you should know about. Taking necessary precautions before you leave will help you ensure trouble-free holidays abroad.
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* 0% Intro APR* on Purchases and Balance Transfers.
** 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more.