Finding a quality 0% APR balance transfer credit card has never been easier. The Internet makes comparing balance transfer offers from banks and credit card companies such as Chase, American Express, Bank of America and Discover Card a snap. There are many quality web sites that will allow you to check out the various credit card deals in an efficient manner.

Could you just imagine spreading out all the credit card solicitations that come through the mail on the kitchen table and attempting to sort through them? Yeah, I'll take a pass on that too. But now, thanks to the World Wide Web, finding a 0 APR balance transfer card that fits your financial needs is as easy as doing a search using your favorite search engine such as Google or Yahoo.

An individual consumer or business owner may have several reasons for wanting to transfer balances. Chief among these reasons is the desire to save money by taking advantage of special rates. Many credit card issuers offer 0% APR balance transfer credit card introductory rates that last anywhere from 6 to 12 months. I have even seen some offers that last for as long as 15 months. Advanta is one such offer.

Now here is what you will want to look for as you compare the various offers:

1) Is the rate being offered an introductory rate

2) How long is the introductory rate good for

3) What will the interest rates be when the intro period expires

4) Check to see if there is an annual fee charged

5) Find out if there is a balance transfer fee

6) Find out what the credit limit is

These are the main criteria for choosing your balance transfer credit card. These terms can be found on the application that accompanies the offers. Please read them carefully. Far too many individuals simply skip over the terms and conditions from the banks and issuers and suddenly find themselves having to pay rates and fees that they never bargained for. Don't make this expensive mistake. We hate surprises.

Balance transfer fees are pretty much a foregone conclusion. Almost all issuers charge them. They usually run around 3%. But as for annual fees... there is no way you should pay for these. If a 0% APR balance transfer credit card that interests you has an annual fee, skip it. Look elsewhere. Make sure that the credit limit will cover the amount you want to transfer as well. Following these steps can mean substantial savings. And I'm all for that.