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No Balance Transfer Fee Credit Cards

No Balance Transfer Fee Credit Cards

While “no balance transfer fee” is a feature highly desired by consumers interested in a balance transfer, Card Hub analysis shows that no balance transfer fee credit cards usually have much higher interest rates than 0% balance transfer credit cards. As a result, we suggest comparing the no balance transfer fee credit cards listed below to cards with balance transfer fees (usually 3-4% of the balance transferred) since they will most likely allow you to save more on overall interest charges and fees. You can also customize your search for a no balance transfer fee credit card by using the controls on the left and thereby include or exclude the likes of no balance transfer fee business credit cards and student credit cards with no balance transfer fees. Once you are certain that you’ve found the best balance transfer credit card for your needs, you can apply for it immediately online. ...show more

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    3.5

    Capital One® VentureOne® Rewards Credit Card

    capital one ventureone rewards credit card
    • 0% PURCHASES until August 2015
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 11.9% - 19.9% (V)
    ANNUAL FEE None
    REWARDS Miles
    BASE EARN 1.25 miles / $1
    MAX EARN 1.25 miles / $1
    • Earn unlimited 1.25 miles on every purchase, every day.
    • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel.
    • Fly any airline, stay at any hotel, anytime.
    • Enjoy a low intro APR on purchases.
    • Travel when you want—no blackout dates.
    • Miles don’t expire.
    • No limit to the miles you can earn.

     
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    4.5

    Capital One® Venture® Rewards Credit Card

    capital one venture rewards credit card
    • 0% PURCHASES Not Offered
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 13.9% - 20.9% (V)
    ANNUAL FEE $0 for 1st yr, $59 after
    REWARDS Miles
    BASE EARN 2 miles / $1
    MAX EARN 2 miles / $1
    • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel.
    • Earn unlimited 2X miles on every purchase, every day.
    • Fly any airline, stay at any hotel, anytime.
    • Travel when you want—no blackout dates.
    • Miles don’t expire.
    • No limit to the miles you can earn.

     
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    3

    Capital One® QuicksilverOne® Cash Rewards Credit Card

    capital one quicksilverone cash rewards credit card
    • 0% PURCHASES until May 2015
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 22.9% (V)
    ANNUAL FEE $39
    REWARDS Cash Back
    BONUS None
    BASE EARN 1.5%
    MAX EARN 1.5%
    • Earn unlimited 1.5% cash back on every purchase, every day.
    • No rotating categories and no sign ups needed to earn cash rewards.
    • Redeem the cash back you earn for any amount, any time.
    • No limit to the cash back you can earn.
    • Your cash back doesn't expire.

     
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    4

    Capital One® Secured Mastercard®

    capital one secured credit card
    • SECURED CREDIT CARD Min Deposit of $49, $99, or $200
    • ANNUAL FEE $29
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 22.9% (V)
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    3.5

    Chase Slate®

    slate credit card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....None
    • REGULAR RATE 12.99% - 22.99% (V)
    ANNUAL FEE $0
    REWARDS None
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    4

    Sony Card from Capital One®

    sony credit card
    • 0% PURCHASES until June 2015
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 13.9% - 24.9% (V)
    ANNUAL FEE None
    REWARDS Points
    BASE EARN 1 point / $1
    MAX EARN 5 points / $1
    • Earn 5,000 bonus points after first purchase in your first 90 days.
    • 5 points per $1 at Sony Store and store.sony.com.
    • 3 points per $1 on dining out and movie purchases.
    • 1 point per $1 spent on all other purchases.
    • Redeem for Sony products, movies, music & more

     
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    3.5

    Capital One® Platinum Credit Card

    capital one standard platinum
    • 0% PURCHASES Not Offered
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 24.9% (V)
    ANNUAL FEE $0 for 1st yr, $19 after
    REWARDS None
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    4

    Capital One® Classic Platinum Credit Card

    capital one classic platinum mastercard
    • 0% PURCHASES until May 2015
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 22.9% (V)
    ANNUAL FEE $39
    REWARDS None
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    4

    BuyPower Card from Capital One

    gm credit card
    • 0% PURCHASES 12 months
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 11.9% - 19.9% (V)
    ANNUAL FEE None
    REWARDS Other
    BONUS None
    BASE EARN 2% Earnings
    MAX EARN 5% Earnings
    • Every purchase earns rewards that can help you save toward a new Chevrolet, Buick, GMC or Cadillac vehicle.
    • Get 5% Earnings on your first $5,000 in purchases every year.
    • Unlimited 2% Earnings on every purchase after that.
    • Your Earnings don’t expire and there’s no limit on how much you can earn or redeem.
    • For an even better value, use your Earnings on top of your best agreed-upon price and most current GM offers.

     
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    3

    Playstation® Card from Capital One®

    playstation credit card
    • 0% PURCHASES until June 2015
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 13.9% - 24.9% (V)
    ANNUAL FEE None
    REWARDS Points
    BASE EARN 1 point/$1
    MAX EARN 10 points/$1
    • Earn 5,000 bonus points after your first purchase in the first 90 days.
    • 10 points per $1 spent on all Playstation® Store purchases.
    • 3 points per $1 spent on Playstation ® and Sony purchases at Sony Store and store.sony.com.
    • 3 points per $1 spent on quick service restaurants, movie theatres & your mobile phone bill.
    • 1 point per $1 spent on all other purchases.
    • Redeem for Sony products, movies, music & more.

     
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    We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information.

    Before you apply for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences.

    Ad Disclosure: Certain offers originate from paying advertisers, and this will be noted on a card's details page using the designation "Sponsored Card", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At CardHub we try to list as many credit card offers as possible and currently have more than 1,200 offers, but we do not make any representation of listing all available offers.


    Ask our Experts
    EXPERT’S ANSWERS

    How are balance transfer fees assessed?

    By: Odysseas Papadimitriou Balance transfer fees are simply added to the amount being transferred, which means you don’t have to pay them right away. You might therefore be wondering why it’s called a balance transfer “fee,” after all.

    Credit card companies call it a fee to preserve the advertised balance transfer APR. You see, there is no fundamental difference between a credit card that offers a 0% balance transfer APR for six months and charges a 3% balance transfer fee and a credit card with no balance transfer fee that has a 6% transfer APR, but the 0% offer seems more appealing. Interest and transfer fees are both considered finance charges from a regulatory standpoint, and the distinction is therefore merely marketing-based.

    How can I compare no balance transfer fee credit cards to cards with such fees?

    By: Odysseas Papadimitriou Balance transfer cards with fees usually compensate by having 0% intro APRs. If you want to see how a 0% balance transfer credit card stacks up to a credit card with no transfer fee, divide the 0% card’s balance transfer fee by the length of it’s intro period (in years). For example, a card that offers 0% for six months and has a 3% fee is basically the same thing as a card offering 6% and no fee (3% / 0.5 years = 6%). This is a rough way to convert the balance transfer fee into a balance transfer APR and turn an apples-to-oranges comparison into a more revealing apples-to-apples evaluation.

    What are lifetime balance transfer credit cards?

    By: Odysseas Papadimitriou Lifetime balance transfer credit cards are simply cards that offer the same balance transfer APR for the lifetime of your transferred debt. In other words, from the time you first transfer your balance to the time you pay it off, the terms of your interest rate will not change, unless you become more than 60 days delinquent. Most credit cards with no balance transfer fees, and any other cards that do not have introductory balance transfer APRs, can therefore be thought of as lifetime balance transfer cards.

    While no credit card company would offer 0% on balance transfers for an indefinite period of time, it is not uncommon to find low rates on lifetime balance transfer credit cards. Thus, they are viable alternatives for anyone who a). won’t be able to get out of debt for a couple of years and b). values simplicity and predictability.

    How should I go about choosing a balance transfer credit card?

    By: Odysseas Papadimitriou Unfortunately, finding the right balance transfer card isn’t as simple as identifying the no balance transfer fee credit card with the lowest transfer APR. As a general rule of thumb, as fees go up, rates go down and vice versa. Focusing only on no balance transfer fee cards or zero percent balance transfer credit cards is therefore ill-advised and you should consider the following factors in combination, rather than in isolation: 1) Balance transfer fee, 2) Length of 0% intro APR (if applicable), 3) Regular balance transfer APR, 4) Amount of monthly payments you can comfortably afford.

    Your starting point should be to use a credit card payoff calculator, and even though you do not yet know your balance transfer interest rate, you can use 10% in order to get a rough sense of how long it will take you to pay off your balance. The longer your expected payoff time frame, the more emphasis you should put on the regular APR. If you’ll be able to pay down the majority of your balance during the average low-interest period being offered, your balance transfer fee becomes more important.

    In addition, be careful to avoid the following common balance transfer mistakes:
    1. Assuming balance transfer credit cards will be available: People often think they can just hop from 0% balance transfer card to 0% balance transfer card until their balance is no more. This strategy should not be relied upon though, as credit card companies do not always offer balance transfers, and you could get stuck paying interest rates north of 20%.
    2. Overestimating your ability to pay: This will lead to you having more debt exposed to your card’s regular rate than planned and could therefore cause you to apply for the wrong card.
    3. Forgetting that most regular APRs are variable: Given the current low-interest environment, variable rates can only go up.

    I can’t find a balance transfer fee listed on a credit card application; does that mean there isn't one?

    By: John Kiernan No. According to Card Hub’s annual credit card application study, the balance transfer fee is one of the main account terms that credit card companies routinely fail to list clearly on applications. You might therefore have to scour the fine print or utilize the “Ctrl + F” hot-key command (if you are applying online) in order to determine a given card’s transfer fee. If the card in question is a no transfer fee credit card, this too will be listed on the terms and conditions. If you are serious about doing a balance transfer it is extremely important that you confirm the balance transfer fee of each card you evaluate because the existence and amount of this fee can dramatically impact the benefit provided by any balance transfer credit card.
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