Balance transfer credit cards will enable a person to consolidate all the credit cards debt into one card. Through the process of balance transfer credit cards one can save a lot of money on APR interest rate. This process in-turn helps the consumer in gaining the control regarding finances through simplified method of paying and also enables you to save the money of the consumer if the balance transfers credit cards provide other perks or competitive interest rates. Therefore, the most important criteria to shop for balance transfer credit cards are the rate of interest and also a nice grace period in order to pay down the balance with no added fee involved.