No Balance Transfer Fee Credit Cards

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Credit Card Applications » No Balance Transfer Fee Credit Cards

Credit Cards with 0% Balance Transfer Fee

If you carry a balance on more than one card, wouldn't it be nice to consolidate your debt on one card and only remember one due date per month? You'll save on fees and interest, and only having to make one payment instead of several will make life easier. When you're looking to transfer a balance, a card with no balance transfer fee can save you the most money.

Not so many banks offer balance transfers with no fee these days, but there are always a few of these offers out there. shows you which cards have no balance transfer fees and can save you the most.

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Barclaycard Ring MasterCard®
Key Feature: No Balance Transfer Fees - start saving immediately!
Expert Rating:
Summary of Card Features:
Fee on
Bal. Tr.
Intro APR
on Bal. Tr.
Intro APR
on Purch.
Regular APRAnnual FeeApplication Processing Fee
Nonen/an/a8.25%* Variable$0See terms
Card Details:
  • 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
Our Expert Opinion
  • No Balance Transfer Fees - start saving immediately!
  • A low variable APR on balance transfers and purchases
  • No Annual Fee

See card details

Get the Most of Balance Transfer with No Balance Transfer Fee Cards

Transferring balances can be a great way to save money. When you consolidate several balances from high-interest cards onto one low-interest card, you can save hundreds of dollars and pay off your balance much faster. However, banks often charge a balance-transfer fee for this convenience, so if you're transferring a large balance, or several small ones, it might be a good idea to look for a no balance transfer fee card.

What exactly is a balance transfer fee? It's a percentage of your balance that is charged back to you by the bank when you move your debt to their card. Most balance transfer fees are between 3% and 5%, so transferring a balance of $1,000 will cost you between $30 and $50.

Sometimes cards that offer no balance transfer fee carry a higher interest rate than cards that charge a fee. Whether it makes more sense for you to pay a fee up front or pay higher interest later depends on the size of your balance and how long you think it will take you to pay it off. Do the math and see which works out well.

Our Experts about Balance Transfer Fee

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Try Our Credit Card Tools:

Use these tools to make some helpful calculations and comparisons to build your own plan for managing your credit health.

Balance Transfer Calculator: Save on average $1,400!

Balance Transfer Calculator

Carrying a balance? Find out how much you'll save - and how much faster you'll pay it off - by transferring your balance to a new card. Our Balance Transfer Calculator does the math for you and eliminates the guesswork.

User level: Above average

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Balance Transfer Video

Balance Transfer: Save on Average $1,400

May 08, 2015

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Balance Transfer Fee

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