Credit Cards with 0% Balance Transfer Fee
about Balance Transfer
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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.
What you should know:
Balance Transfer Fee 101:
What exactly is a balance transfer fee? It's a percentage of your balance - usually 3 - 5% - that is charged back to you by the bank when you move your debt to their card.
Watch the Interest Rate:
Be sure to notice what the interest rate on the card is - if a card with no balance transfer fee has a higher APR than a card with a small fee, do the math and see which one makes the most sense.
Our Expert Advice:
Not so many banks offer balance transfers with no fee these days, but there are always a few of these offers out there. Credit-Land.com shows you which cards have no balance transfer fees and can save you the most.
Excellent Credit
Required FICO score for this card: 750 to 850
You can apply if: you have not been late on any credit card or loan in the last year and make timely payments, you have long lasting credit history and high credit limit; you have never declared a bankruptcy or defaulted loan.
This credit offer is only for people with Excellent credit history.
Have Bad credit history? Click Here!
No credit history? Click Here!
Fair credit? Click Here!
| Fee on Bal. Tr. | Intro APR on Bal. Tr. | Intro APR on Purch. | Regular APR | Annual Fee | Activation Fee |
|---|---|---|---|---|---|
| $0 | n/a | n/a | 8.0% (Variable) | $0 | $0 |
- A low 8% variable APR on balance transfers and purchases.
- No Annual Fees.
- 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.
- Learn more about personal finance from Barclaycard and other members.
- Low APRs and no annual fee credit card.
- You can vote on benefits or features you want.
- Community-built credit card.
Fair Credit
Required FICO score for this card: 620 to 659
You can apply if: your credit history is short; you have recent late or missed payments, recent bankruptcy or loan defaults, or other past credit problems.
| Fee on Bal. Tr. | Intro APR on Bal. Tr. | Intro APR on Purch. | Regular APR | Annual Fee | Activation Fee |
|---|---|---|---|---|---|
| $0 | n/a | n/a | 24.99% (Variable) | $0 | $0 |
- 2X points per $1 spent on gas, groceries and utilities.
- No balance transfer fee.
- Redeem for flights, shopping, dining and more.
- Use your points like cash to pay for any purchase you´ve made.
- No annual fee.
- No blackout dates.
- No cash back limits.
- Earn Points on all purchases you make.
- Pay for your purchases with points.
- Transfer your extended balance for free.
- No 0% intro APR on balance transfer.
Excellent Credit
Required FICO score for this card: 750 to 850
You can apply if: you have not been late on any credit card or loan in the last year and make timely payments, you have long lasting credit history and high credit limit; you have never declared a bankruptcy or defaulted loan.
This credit offer is only for people with Excellent credit history.
Have Bad credit history? Click Here!
No credit history? Click Here!
Fair credit? Click Here!
| Fee on Bal. Tr. | Intro APR on Bal. Tr. | Intro APR on Purch. | Regular APR | Annual Fee | Activation Fee |
|---|---|---|---|---|---|
| 0% | n/a | n/a | 7.25% | $0 | $0 |
- 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 Annual Fee.
- No balance transfer fee for balances transferred in response to this online offer.
- Travel Insurance Coverage.
- Great Ongoing APR.
Excellent Credit
Required FICO score for this card: 750 to 850
You can apply if: you have not been late on any credit card or loan in the last year and make timely payments, you have long lasting credit history and high credit limit; you have never declared a bankruptcy or defaulted loan.
This credit offer is only for people with Excellent credit history.
Have Bad credit history? Click Here!
No credit history? Click Here!
Fair credit? Click Here!
| Fee on Bal. Tr. | Intro APR on Bal. Tr. | Intro APR on Purch. | Regular APR | Annual Fee | Activation Fee |
|---|---|---|---|---|---|
| 0% | n/a | n/a | 9.25% | $0 | $0 |
- 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 Annual Fee.
- No balance transfer fee for balances transferred in response to this online offer.
- 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.
- No Introductory Apr Offer.
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.
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.
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!
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
July 18, 2012
Balance Transfer Fee
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