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:

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at issuer’s secured site
fair credit
intro purchase APR 0% for 15 monthsregular APR12.99 - 22.99% (V)
intro BT APR 0% for 15 months, 0% BT fee 60 days 3% BT fee $5 min

no annual fee

0% intro APR on purchases and balance transfers

0% BT fee for 60 days

free FICO score

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at issuer’s secured site
excellent
intro purchase APR no intro offerregular APR7.50% (V)
intro BT APR 7.50% no BT fee

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

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at issuer’s secured site
fair credit
intro purchase APR 0% for 12 monthsregular APR11.24 - 23.24% (V)
intro BT APR 0% for 12 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

no annual fee

2% on gas and dining out

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at issuer’s secured site
excellent
intro purchase APR 0% for 21 monthsregular APR12.99 - 22.99% (V)
intro BT APR 0% for 21 months 3% BT fee $5 min

no annual fee

0% APR for 21 months for BT and purchases

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at issuer’s secured site
excellent
intro purchase APR 0% for 21 monthsregular APR12.24 - 22.24% (V)
intro BT APR 0% for 18 months 3% BT fee $5 min

no annual fee

low APR from 12.24%

21 months 0% intro APR on BT and purchases

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at issuer’s secured site
excellent
intro purchase APR no intro offerregular APR8.25% Variable
intro BT APR 8.25% no BT fee

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

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at issuer’s secured site
excellent
good credit
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

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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at issuer’s secured site
no credit
intro purchase APR no intro offerregular APR7.24 - 7.24% (V)
intro BT APR 7.24% no BT fee

no annual fee

7.24% APR

no BT fee

no credit check

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at issuer’s secured site
excellent
intro purchase APR 0% APR for 12 monthsregular APR15.24%, 19.24% or 23.24% Variable based on credit worthiness
intro BT APR 0% APR for 12 months greatest of $5 or 3% BT fee
rewards $100 bonus for spending $500 in 90 days 1.5% on all purchases

no annual fee

1.5% cash back on all purchases

$100 intro bonus for spending $500 in the first 90 days

5% redemption bonus every time when you redeem your cash back

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at issuer’s secured site
good credit
intro purchase APR no intro offerregular APR10.99 - 19.99% (V)
intro BT APR 0% for 18 months 3% min $5
rewards 4 points per $1 + points on balance
  • 4 points per dollar on purchases
  • 100 points for every $1 of interest charged by bank on your balance with a balance more than $1,500
  • 100 points for every $2 of interest charged by bank on your balance with a balance between $500- $1,500

 

no annual fee

low APR

intro BT APR

points for carrying a balance

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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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