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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 2,416 reviews

    Capital One® VentureOne® Rewards Credit Card


    capital one ventureone
    • 0% Purchases until July 2016
    • 0% Transfers Not Offered
    • Regular Rate 11.9% - 21.9% (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 the first 3 months, 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 until July 2016; 11.9%-21.9% variable APR after that
    • No foreign transaction fees
    • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts
    • Fraud Coverage - $0 Fraud Liability if your card is ever lost or stolen
    • Warranty Manager/Extended Protection - provides you with valuable features to help manage, use, and even extend warranties of items purchased with your card.
    • Auto rental insurance - use your card to rent an eligible vehicle and you’re covered for collision, damage, and loss
    • See All Reviews & Details About The Capital One® VentureOne® Rewards Credit Card
    3.5 1,460 reviews

    Chase Slate®


    chase slate
    • 0% Purchases 15 months
    • 0% Transfers 15 monthsNo Transfer Fee
    • Regular Rate 12.99% - 22.99% (V)
    • Annual Fee None
    • Rewards Rate None
    • Minimum Credit Good
    • Rewards Details
    • Additional Info
    • Chase Slate named "Best Credit Card for Balance Transfers" two years in a row by Money Magazine
    • $0 Introductory balance transfer fee for transfers made during the first 60 days
    • 0% Introductory APR for 15 months on purchases and balance transfers
    • NEW Free Monthly FICO® Score and Credit Dashboard
    • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
    • $0 Annual Fee
    • See All Reviews & Details About The Chase Slate®
    4 1,366 reviews

    Capital One® Venture® Rewards Credit Card


    capital one venture
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 12.9% - 22.9% (V)
    • Annual Fee $0 for 1st yr, $59 after
    • Rewards Rate 2 - 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 the first 3 months, 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
    • No annual fee for the first year; $59 after that
    • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts
    • Fraud Coverage - You're covered by $0 Fraud Liability if your card is ever lost or stolen
    • Travel upgrades and savings - Receive complimentary upgrades and special savings at hotels, resorts, and spas with your Visa Signature card.
    • Special access to events - Your Visa Signature card gets you special access and preferred seating at popular sporting events, premier golf outings, and concerts.
    • Shopping discounts - Take advantage of special discounts at top retailers and online merchants with your Visa Signature card.
    • Travel & Emergency Assistance - Available 24/7 to help connect you with local emergency and assistance resources when you're away from home
    • Emergency Card Services - If your credit card is lost or stolen, you can get an emergency card replacement and a cash advance.
    • Warranty Manager/Extended Protection - provides you with valuable features to help manage, use, and even extend warranties of items purchased with your card.
    • Auto Rental Insurance - use your card to rent an eligible vehicle and you’re covered for collision, damage, and loss
    • See All Reviews & Details About The Capital One® Venture® Rewards Credit Card
    3 2,048 reviews

    Capital One® QuicksilverOne® Cash Rewards Credit Card


    quicksilverone rewards
    • 0% Purchases until April 2016
    • 0% Transfers until April 2016No Transfer Fee
    • Regular Rate 22.9% (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
    • 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
    • Get a 20% Statement Credit on Uber rides purchased with this card through April 2016
    • Additional Info
    • 0% intro APR on purchases until April 2016; 22.9% variable APR after that
    • Balance transfers also have a 0% intro APR until April 2016
    • 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
    • Free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
    • 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 All Reviews & Details About The Capital One® QuicksilverOne® Cash Rewards Credit Card
    3.5 1,433 reviews

    Capital One® Platinum Credit Card


    capital one platinum
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 24.9% (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
    • Free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
    • See All Reviews & Details About The Capital One® Platinum Credit Card
    4 4,467 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 24.9% (V)
    • Annual Fee None
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • No annual fee, with all the credit building benefits
    • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
    • Free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
    • Your minimum security deposit gets you a $200 credit line
    • You may qualify for a credit line increase based on your payment history and creditworthiness with no additional deposit required
    • 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 All Reviews & Details About The Capital One® Secured MasterCard®
    4 144 reviews

    Barclaycard Ring Credit Card


    barclaycard ring credit card
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 8% (V)
    • Annual Fee None
    • Rewards Rate None
    • Minimum Credit Excellent
    • Rewards Details
    • Additional Info
    • No Balance Transfer Fees - start saving immediately!
    • 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.
    • A low 8% variable APR on balance transfers and purchases.
    • No Annual Fees.
    • Learn more about personal finance from Barclaycard and other members.
    • See All Reviews & Details About The Barclaycard Ring Credit Card
    3.5 115 reviews

    Simmons Bank Visa® Platinum


    simmons first visa platinum
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 7.25% (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 7.25% variable standard purchase APR and platinum benefits.
    • No balance transfer fee for balances transferred in response to this online offer.
    • No Annual Fee.
    • See All Reviews & Details About The Simmons Bank Visa® Platinum
    3 224 reviews

    PlayStation® Card from Capital One®


    playstation credit card
    • 0% Purchases until May 2016
    • 0% Transfers Not Offered
    • Regular Rate 13.9% - 24.9% (V)
    • Annual Fee None
    • Rewards Rate 1 - 10 points / $1
    • Rewards Bonus 5,000 points
    • Minimum Credit Good
    • Rewards Details
    • 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
    • Additional Info
    • 0% intro APR on purchases until May 2016, 13.9% - 24.9% variable APR after that
    • No annual fee
    • Travel Accident Insurance
    • Travel and Emergency Assistance Services
    • $0 Fraud Liability if your card is lost or stolen
    • See All Reviews & Details About The PlayStation® Card from Capital One®
    3.5 81 reviews

    Simmons Bank Visa® Platinum Rewards


    simmons first visa platinum rewards
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 9.25% (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 9.25% variable standard purchase APR and platinum benefits.
    • No balance transfer fee for balances transferred in response to this online offer.
    • No Annual Fee.
    • See Terms and Conditions.
    • See All Reviews & Details About The Simmons Bank Visa® Platinum Rewards
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    Good Credit 661 – 720
    Fair Credit 620 – 660
    Bad Credit 300 – 619
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    Expert’s Answers

    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
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    You could check the following credit card: http://www.cardhub.com/d/slate-credit-card-614c/
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