Updated: 07/25/2016

Balance Transfer Credit Cards with No Fee

When choosing a balance transfer card, part of the equation is an intro balance transfer APR, but people tend to forget a balance transfer fee, which is commonly 3%-4% of every transfer. The best offers have both zero intro APR and no balance transfer fee. Here they are. Not so many, as you can see:

intro purchase APR 0% for 15 monthsregular APR15.49 - 24.24% (V)
intro BT APR 0% for 15 months, 0% BT fee 60 days 5% BT fee $5 min
fair credit required

no annual fee

0% intro APR on purchases and balance transfers

0% BT fee for 60 days

free FICO score

read review
intro purchase APR 0% for 21 monthsregular APR13.99 - 23.99% (V)
intro BT APR 0% for 21 months 3% BT fee $5 min
excellent required

no annual fee

0% APR for 21 months for BT and purchases

read review
intro purchase APR no intro offerregular APR16.24%, 20.24% or 24.24% Variable
intro BT APR 0% for 12 months 3% BT fee $5 min
rewards 2x miles on travel and dining, 1x miles on all other purchases, 20,000 sign up bonus
excellent / good credit required

Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 90 days — that's enough to redeem for a $200 travel statement credit

Earn 2X miles on travel & dining and 1X miles on all other purchases

Get 5% miles back to use toward your next redemption, every time you redeem

Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad

No foreign transaction fees on anything you buy while in another country

0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR will apply, currently 16.24%, 20.24% or 24.24%, depending on your creditworthiness

Complimentary online FICO® Credit Score access for Barclaycard Arrival cardmembers

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intro purchase APR 0% for 21 monthsregular APR12.99 - 22.99% (V)
intro BT APR 0% for 21 months 3% BT fee $5 min
excellent required

no annual fee

low APR from 12.99%

21 months 0% intro APR on BT and purchases

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intro purchase APR no intro offerregular APR8.00% (V)
intro BT APR 8% no BT fee
excellent required

Excellent Credit Required - Applicants that do not have excellent credit will not be approved

Low 8% variable standard purchase APR and platinum benefits

No balance transfer fee for balances transferred in response to this online offer

No Annual Fee

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intro purchase APR 0% for 14 monthsregular APR11.49 - 23.49% (V)
intro BT APR 0% for 14 months 3% BT fee
rewards 1% or 2% 
  • earn 2% cashback on gas and restaurants with $1,000 quarterly limit in combined purchases
  • 1% on all other purchases
good credit / fair credit required

no annual fee

2% on gas and dining out

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intro purchase APR 0% for 15 monthsregular APR13.99% Variable
intro BT APR 0% for 15 months no BT fee
excellent required

0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.99%

No annual fee

No balance transfer fees

No foreign transaction fees

Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad

Free online access to FICO® Credit Score

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intro purchase APR no intro offerregular APR7.49 - 7.49% (V)
intro BT APR 7.49% no BT fee
bad credit / no credit required

no annual fee

7.49% APR

no BT fee

no credit check

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intro purchase APR 1.99% for 6 monthsregular APR10.74 - 20.74% (V)
intro BT APR 1.99% for 6 months 5% BT fee $10 min
rewards $10 to your favorite charity for sign up 1% on all purchases goes to your chosen charity

earn tax deductible 1% cash back and automatically send it to the charity of your choice

good credit / fair credit required
  • No Annual Fee
  • Low APR starting at 10.74%
  • World MasterCard benefits
  • Earns 1% Cash Back to ANY nonprofit of your choice including K-12 schools, colleges, & religious organizations
  • Comes with all of the great benefits of a World MasterCard
  • Support up to three nonprofits at once
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intro purchase APR 0% for 12 monthsregular APR13.74 - 25.74% (V)
intro BT APR 0% BT APR for 12 months 3% or $5 BT fee
rewards 1.5% flat rate cash back $200 bonus for spending $1000

get $200 for spending $1000 on a card in the first 3 months 

excellent required

no annual fee

earn 1.5% flat rate cash back on all purchases

get $200 bonus for spending $1000 on the card in the first 3 months

0% APR on purchases and balance transfers for 12 months

read review

Chase Slate card is a leader with its 15 months, 0% APR on balance transfers and purchases, and zero balance transfer fee for 60 days of the account. Even better, you can get the card with an average credit, which is not a usual offering.

Simmons Banks cards are hard to get because of a very strict and long application process, but they offer a low ongoing APR and no balance transfer fee.



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