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No Balance Transfer Fee Credit Cards

While the average 0% balance transfer credit card charges a transfer fee equal to 3.05% of the balance being moved, CardHub has identified a number of offers from major issuers (some of whom are advertising partners) that do not assess such charges. Keep in mind that it may be difficult to find a card that combines a 0% introductory interest rate with no balance transfer fee, depending on the economic environment. But rest assured that if we find such an offer, we will display it below.

It’s also important to note that CardHub analysis has shown the ongoing interest rates…show more

    3.5 3,142 reviews

    Capital One® VentureOne® Rewards Credit Card


    capital one ventureone
    • Purchase Intro APR 0% for 12 months
    • Transfer Intro APR Not Offered
    • Regular APR 12.24% - 22.24% (V)
    • Annual Fee None
    • Rewards Rate 1.25 miles / $1
    • Rewards Bonus 20,000 miles
    • Minimum Credit Good
    • Rewards Details
    • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of approval, equal to $200 in travel
    • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
    • Fly any airline, stay at any hotel, anytime
    • Travel when you want with no blackout dates
    • Miles don’t expire and there’s no limit to how many you can earn
    • Additional Info
    • Enjoy a low intro APR on purchases for 12 months; 12.24%-22.24% variable APR after that
    • No foreign transaction fees
    • Fraud Coverage - You're covered by $0 Fraud Liability if your card is ever lost or stolen
    • Complimentary concierge service - Enjoy assistance 24 hours a day, from home and when you travel
    • Emergency Card Services - If your credit card is lost or stolen, you can get an emergency card replacement and a cash advance with MasterCard® Global Service
    • See More Details & Reviews About The Capital One® VentureOne® Rewards Credit Card
    3.5 1,886 reviews

    Chase Slate®


    chase slate
    • Purchase Intro APR 0% for 15 months
    • Transfer Intro APR 0% for 15 months $0 Intro Transfer Fee
    • Regular APR 13.24% - 23.24% (V)
    • Annual Fee $0
    • Rewards Rate None
    • Minimum Credit Good
    • Rewards Details
    • Additional Info
    • Chase Slate named "Best Credit Card for Balance Transfers" three years in a row by MONEY Magazine
    • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
    • 0% Introductory APR for 15 months on purchases and balance transfers
    • Monthly FICO® Score and Credit Dashboard for free
    • No Penalty APR – Paying late won't raise your interest rate (APR). All other account pricing and terms apply
    • $0 Annual Fee
    • See More Details & Reviews About The Chase Slate®
    4 1,653 reviews

    Capital One® Venture® Rewards Credit Card


    capital one venture
    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 13.24% - 23.24% (V)
    • Annual Fee $0 for 1st yr, $59 after
    • Rewards Rate 2 miles / $1
    • Rewards Bonus 40,000 miles
    • Minimum Credit Good
    • Rewards Details
    • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months of approval, equal to $400 in travel
    • Earn unlimited 2X miles per dollar on every purchase, every day
    • Fly any airline, stay at any hotel, anytime
    • Travel when you want with no blackout dates
    • Miles don't expire and there’s no limit to how many you can earn
    • Additional Info
    • No foreign transaction fees
    • $0 intro annual fee for the first year; $59 after that
    • Fraud Coverage - You're covered by $0 Fraud Liability if your card is ever lost or stolen
    • Emergency Card Services - If your credit card is lost or stolen, you can get an emergency card replacement and a cash advance with MasterCard® Global Service
    • Complimentary concierge service - Enjoy assistance 24 hours a day, from home and when you travel
    • Extended Warranty - Automatically doubles the original manufacturer's/store's warranty on eligible purchases
    • MasterRental® Insurance - Use your card to rent an eligible vehicle and you’re covered for collision, damage and loss
    • Master RoadAssist® Service - Take advantage of 24-hour toll-free dispatch to help with services like towing, fuel delivery and more (fees may apply)
    • Price Protection - If you find a lower price on a new item within 120 days of purchase you may be reimbursed for the difference
    • See More Details & Reviews About The Capital One® Venture® Rewards Credit Card
    3.5 2,900 reviews

    Capital One® QuicksilverOne® Cash Rewards Credit Card


    quicksilverone rewards
    • Purchase Intro APR 0% for 9 months
    • Transfer Intro APR 0% for 9 months No Transfer Fee
    • Regular APR 23.24% (V)
    • Annual Fee $39
    • Rewards Rate 1.5% Cash Back
    • Rewards Bonus None
    • Minimum Credit Limited History
    • Rewards Details
    • Earn unlimited 1.5% cash back on every purchase, every day
    • Every 10th Uber ride is free up to $15 when you pay with your QuicksilverOne card through March 31, 2017
    • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
    • Additional Info
    • 0% intro APR on purchases for 9 months; 23.24% variable APR after that
    • Get access to a higher credit line after making your first 5 monthly payments on time
    • Fraud coverage if your card is ever lost or stolen
    • Fraud Coverage - You're covered by $0 Fraud Liability if your card is ever lost or stolen
    • Travel & Emergency Assistance - Available 24/7 to help connect you with local emergency and assistance resources when you're away from home
    • Extended Warranty - automatically doubles the original manufacturer's/store's warranty on eligible purchases
    • See More Details & Reviews About The Capital One® QuicksilverOne® Cash Rewards Credit Card
    3.5 2,101 reviews

    Capital One® Platinum Credit Card


    capital one platinum
    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 24.99% (V)
    • Annual Fee None
    • Rewards Rate None
    • Minimum Credit Limited History
    • Rewards Details
    • Additional Info
    • Pay no annual fee
    • Get access to a higher credit line after making your first 5 monthly payments on time
    • Fraud coverage if your card is lost or stolen
    • Use online banking to access your account, even from your smartphone, with our mobile app
    • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
    • Get access to your account 24 hours a day, 7 days a week
    • Help strengthen your credit for the future with responsible card use
    • See More Details & Reviews About The Capital One® Platinum Credit Card
    4 5,387 reviews

    Capital One® Secured MasterCard®


    capital one secured credit card
    • Secured Credit Card Min Deposit of $49, $99 or $200
    • One-Time Fees None
    • Regular Rate 24.99% (V)
    • Annual Fee None
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • No annual fee, and all the credit building benefits with responsible card use
    • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
    • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
    • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
    • Easily manage your account 24/7 with online access, by phone or using our mobile app
    • It’s a credit card accepted at millions of locations worldwide
    • See More Details & Reviews About The Capital One® Secured MasterCard®
    4 243 reviews

    Barclaycard Ring MasterCard®


    barclaycard ring
    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 8.25% (V)
    • Annual Fee None
    • Rewards Rate None
    • Minimum Credit Excellent
    • Rewards Details
    • Additional Info
    • No Balance Transfer Fees - start saving immediately!
    • A low variable APR on balance transfers and purchases
    • No Annual Fee
    • Choose your card benefits and features
    • Get rewarded through the new Giveback™ program, where Barclaycard Ring members get money back for good performance
    • Get exclusive access to our online community and vote on the card features you like and view the financials of the Barclaycard Ring MasterCard online
    • Learn more about personal finance from Barclaycard and other members
    • Complimentary FICO® Credit Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account
    • See More Details & Reviews About The Barclaycard Ring MasterCard®
    3.5 190 reviews

    Simmons Bank Visa® Platinum


    simmons first visa platinum
    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 7.50% (V)
    • Annual Fee None
    • Rewards Rate None
    • Minimum Credit Excellent
    • Rewards Details
    • Additional Info
    • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
    • Low 7.50% variable standard purchase APR and platinum benefits
    • No balance transfer fee for balances transferred in response to this online offer
    • No Annual Fee
    • See More Details & Reviews About The Simmons Bank Visa® Platinum
    4 88 reviews

    Simmons Bank Visa® Platinum Rewards


    simmons first visa platinum rewards
    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 9.50% (V)
    • Annual Fee None
    • Rewards Rate 1 point / $1
    • Rewards Bonus None
    • Minimum Credit Excellent
    • Rewards Details
    • Travel Rewards - cardholders who enroll in the program receive one point per net dollar spent
    • Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions
    • Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants
    • Additional Info
    • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
    • Low 9.50% variable standard purchase APR and platinum benefits
    • No balance transfer fee for balances transferred in response to this online offer
    • No Annual Fee
    • See More Details & Reviews About The Simmons Bank Visa® Platinum Rewards
    3.5 631 reviews

    BuyPower Card from Capital One® -Get The Card That Helps You Get The Car


    gm credit card
    • Purchase Intro APR 0% for 12 months
    • Transfer Intro APR Not Offered
    • Regular APR 13.15% - 23.15% (V)
    • Annual Fee None
    • Rewards Rate 2-5% Earnings
    • Rewards Bonus None
    • Minimum Credit Good
    • Rewards Details
    • 5% Earnings on your first $5,000 in purchases every year. Unlimited 2% Earnings on every purchase after that. Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle.
    • Additional Info
    • No annual fee, no redemption limits, no Earnings expiration, no foreign transaction fees. Save even more when you combine your available Earnings with most current GM offers and incentives.
    • 0% intro APR on purchases for 12 months, then a 13.15% – 23.15% variable APR on purchases will apply
    • See More Details & Reviews About The BuyPower Card from Capital One® -Get The Card That Helps You Get The Car
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    Excellent Credit 721 – 850
    Good Credit 661 – 720
    Fair Credit 620 – 660
    Bad Credit 300 – 619
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    Expert’s Answers

    What are the best no balance transfer fee credit cards?

    By: Odysseas Papadimitriou, CardHub CEOThe best no balance transfer fee credit card is an offer that matches your credit score, first and foremost. It must also offer a low-enough introductory APR for long enough to allow you to save money relative to your current situation. A balance transfer calculator will definitely help with crunching the numbers. Our editors evaluated 1,000+ credit card offers based on those criteria to find the best no balance transfer fee credit cards that anyone can apply for. You can find their selections below.

    2016’s Best No Balance Transfer Fee Credit Cards



    Rank Card Name Intro Rate Transfer Fee Annual Fee Credit Required
    1 Chase Slate® 0% for 15 months $0 introductory balance transfer fee for transfers made during the first 60 days of account opening $0 Good
    2 Capital One® QuicksilverOne® Cash Rewards Credit Card 0% for 9 months $0 $39 Limited / Fair
    3 United States Equestrian Federation Visa® Signature Credit Card 0% for 6 months $0 $0 Good
    4 Salmon Nation Credit Card 0% for 6 months $0 at account opening $0 Good
    5 SunTrust Prime Rewards Credit Card 3.5% for 36 months 0% $0 Excellent


    It’s important to point out that dollars saved, not your credit card’s branding or issuer, is what really matters at the end of the day.

    How are balance transfer fees assessed?

    By: Odysseas Papadimitriou, CardHub CEOBalance 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, CardHub CEOBalance 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, CardHub CEOLifetime 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, CardHub CEOUnfortunately, 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, Personal Finance EditorNo. 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.

    Community Discussion

    Ask a question or help others find the best no balance transfer fee credit cards by sharing some tips.

     
    Sep 3, 2014
    By:
    I NEED NO TRANSFER FEES O INTEREST
    Sep 10, 2014
    Photo of Card H.
    You could check the following credit card: http://www.cardhub.com/d/slate-credit-card-614c/