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No Fee Balance Transfers

Two years ago, no fee balance transfer credit cards offering 0% interest rates were widely available. Today, the major credit card companies that offer 0% balance transfers all charge balance transfer fees. While paying these fees does eat into the total savings offered by a 0% APR balance transfer, balance transfer offers with fees offer significantly better savings opportunities than cards that do not charge fees. For example, for every $1000 transferred from a credit card with a 20% interest rate to one that has a 0% for 1 year, but charges a 5% transfer fee, you can save close to $150 on interest.

Below you can compare current no fee and 0% APR balance transfer offers and apply online for approval. In most instances, choosing a credit card with a 0% for 1 year will likely provide more savings than credit cards that charge no fees.

Best Balance Transfer Offers

DISCOVER® MORE® CARD - EDITOR'S CHOICE

0% APR on Balance Transfers for a FULL 12 months 0% APR on Purchases for a FULL 6 months 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more Up to 1% unlimited Cashback Bonus on all other purchases automatically Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners Instant Response within 60 seconds No Annual Fee

Intro on Purchases Intro APR Period Regular APR Annual Fee Credit Needed 0% * 12 Months * As Low As 11.99% Variable* None * Excellent

BRYANT STATE BANK MASTERCARD® - NO BALANCE TRANSFER FEES

No Balance Transfer Fee 3.25% Introductory Balance Transfer Rate for 6 Months $20 Annual Fee Low Interest Rate of 11.25%* $0 Fraud Liability 24/7 Online Account Access Emergency Cash Advance & Card Replacement Worldwide Acceptance *See Card Terms and Conditions

Intro on Purchases Intro APR Period Regular APR Annual Fee Credit Needed 3.25% * 6 Months * 11.25% * $20* Good

CITI® PLATINUM SELECT CARD

Offers a 0% APR* on balance transfers and purchases for up to 15 months No annual fee Citi Identity Theft Solutions $0 Liability on unauthorized purchases Secure, free online account management

Intro APR Intro APR Period Regular APR Annual Fee Credit Needed 0% * Up to 15 Months * As low as 11.99% Variable* None * Good

GOLF MAGAZINE REWARDS VISA® CARD

Save with an introductory 0% Annual Percentage Rate (APR) for Balance Transfers through your first 6 monthly billing cycles. Free 1 dozen Titleist Pro V1 golf balls after your first purchase of $50 - a $58 value! Earn 1% cash back. Or earn points for golf gear, access to championship courses, VIP golf experiences, plus travel, merchandise, and gift cards Points don't expire (as long as your account is open and you use your credit card every 24 months) No annual fee

Intro on Purchases Intro APR Period Regular APR Annual Fee Credit Needed 0% on Transfers * 6 Months * 16.24%* None * Good

More 0% APR Balance Transfer Credit Card Offers

Choosing a 0% Balance Transfer Credit Card

In the past, when just about every credit card company offered 0% balance transfers for a full year and most charged no balance transfer fees, choosing a balance transfer card was pretty easy: go with the lowest fees and the longest 0% period. Unfortunately, choosing a balance transfer offer isn't as easy today. Many credit cards offer 0% rates for 6 or 12 months, based on a review of your credit. Because of this, the best balance transfer offers are the ones that offer a 0% for 12 months to all approved applicants, even if this means paying more in balance transfer fees.

0% Balance Transfers and Increasing Balance Transfer Fees

No fee balance transfer were common before the credit crunch. At that time, credit card companies were basically giving away the store to get your business. 0% balance transfers for 12 to 15 months were common, and fees were generally 3% with a maximum of $75. Today, as you may have already experienced, credit card companies aren't particularly eager to lend, even to good customers. As a result, many companies raised balance transfer fees and decreased 0% interest periods to around 6 months. In the near term, it is unlikely that balance transfer fees with decrease. In all likelihood, more companies will increase these fees. At the same time, 0% interest rate periods will likely hoover around 6 months, with less and less companies offering 0% balance transfers for 1 year.

*Important Disclaimer: See online credit card applications for complete details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now" button, you can review the credit card terms and conditions on the issuing company's website.