Balance Transfer Credit Cards


0 APR & No Fee Balance Transfer Credit Card Offers


With so many benefits of a credit card balance transfer, there's no wondering why so many consumers move forward with this decision every year. But here's something to consider: most balance transfer offers charge a fee. With this in mind, you need to weigh the cost against the benefits to ensure that you make the best possible decision.

A balance transfer fee is assessed by the bank associated with the new credit card company. Rather than charge a flat fee, this is typically assessed as a percentage of the money you're transferring. Take for example a $10,000 balance transfer. With a typical fee of 3%, you are charged $300 to make the transfer to the new credit card.




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U.S. Bank Visa® Platinum Card

  • 0% Intro APR* on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 10.24%-21.24%*
  • No annual fee*
  • Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum
  • Zero fraud liability* for unauthorized transactions if your card is ever lost or stolen
  • Fraud Protection detects and notifies you of any unusual card activity to help keep your account safe
  • Chip technology for enhanced card security
  • Online banking and mobile apps* for your smartphone or tablet provide complete, 24/7 access to your account

Balance Transfer Offer: 0% for 15 billing cycles*

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Excellent Credit Consumer $0* 0.00% for 15 billing cycles* 0.00% for 15 billing cycles* 10.24% - 21.24%* (Variable) None
Barclaycard CashForward™ World MasterCard®

  • Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase
  • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
  • Redeem your cash rewards for a deposit into your bank account, a statement credit or gift cards. Redemptions start at $50
  • Cash rewards do not expire as long as your account is open, active and in good standing
  • 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that a variable APR will apply, 14.99%, 19.99% or 24.99%, based on your creditworthiness.
  • Please note, there is a fee for balance transfers
  • No annual fee

Balance Transfer Offer: 0% for 15 months*

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Excellent Credit Consumer $0 0.00% for 15 months* None 14.99%, 19.99% or 24.99% Variable Cash Back
Upromise World MasterCard®

  • $100 Cash Back Bonus after first use of card within 90 days of account opening
  • Earn up to 10% total cash back as a Upromise member when you use your Upromise MasterCard on eligible purchases at online retailers and travel partners through Upromise.com
  • 2% cash back on eligible in-store and movie theater purchases
  • 1% cash back on all other purchases
  • No Limit to the total cash back you can earn on eligible purchases
  • No rotating reward categories
  • Complimentary FICO® Credit Score

Balance Transfer Offer: 0% for 15 months*

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Excellent Credit Consumer $0 0.00% for 15 months* None 14.24% - 23.24% Variable Cash Back
U.S. Bank Business Edge™ Platinum

  • 0% Intro APR* on purchases and balance transfers for the first 12 billing cycles
  • No annual fee*
  • Free employee cards
  • Zero fraud liability* protects you against unauthorized transactions

Balance Transfer Offer: 0% for 12 billing cycles*

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Excellent Credit Business $0* 0.00% for 12 billing cycles* 0.00% for 12 billing cycles* 10.24% - 18.24%* (Variable) None
Barclaycard Arrival Plus™ World Elite MasterCard®

  • Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $500 travel statement credit
  • Earn 2X miles on all purchases
  • Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.24%, 20.24% or 23.24%, based on your creditworthiness.
  • Please note, there is a fee for balance transfers.

Balance Transfer Offer: 0% for 12 months*

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Excellent Credit Consumer $89 - Waived first year 0.00% for 12 months* None 16.24%, 20.24% or 23.24% Variable Airlines
USAA Military Affiliate Card

  • USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
  • Special Offer: 0% Intro APR for 12 months on balance transfers that post within the first three months. After 12 months, the 11.15% to 26.15% variable regular APR will apply.
  • Show your military pride while supporting the affiliate group of your choice.
  • Get 2,500 bonus points after you make your first purchase.
  • Redeem your USAA Rewards points towards cash, gift cards, name brand merchandise and travel with no blackout date.
  • No annual fee and no minimum finance charge.

Balance Transfer Offer: 0% for 12 months*

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Above Average Credit Consumer $0 0.00% for 12 months* None 11.15%-26.15% (Variable) None
U.S. Bank Cash 365™ American Express® Card

  • Special Online Offer: $100 customer relationship bonus for U.S. Bank customers.
  • Earn 1.5% cash back on every $1 of eligible net purchases.
  • No limit on the amount of cash back you can earn.
  • No minimum redemption when redeeming cash as a statement credit or direct deposit to a U.S. Bank checking or savings account.
  • No Annual Fee*.

Balance Transfer Offer: 0% for 12 billing cycles*

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Excellent Credit Consumer $0* 0.00% for 12 billing cycles* None 13.24% - 23.24%* (Variable) Cash Back
If a fee in place, is it still a good idea to make the transfer?

Find a No Transfer Fee Offer

If you're opposed to paying a transfer fee, the best thing you can do is search for a no balance transfer fee credit card. There aren't many of these to choose from, but those that are available are offered by some of the biggest banks including Chase and Citi.

Most balance transfer credit cards charge a fee of 3% to 5% for offering an introductory period of 0% APR. But when you find a no transfer fee offer, this never comes into play. Instead, you can move your debt to a 0% card without having to pay a fee that typically reaches into the hundreds of dollars.

Know What You're Getting

The benefit of a no fee balance transfer credit card is easy to see. However, don't make this decision until you consider the other details of the offer. For example:
  • The length of the introductory rate.
  • The annual fee.
  • Other fees associated with the credit card.

    • Conclusion

      There are balance transfer credit cards with no transfer fee that deserve your attention. If you want to save money on this financial transaction, this is one of the best ways of doing so. It allows you to leave your high interest credit card debt in the past, all without having to pay a high transfer fee.