Fortunately, there are dozens of credit cards with $0 balance transfer fees available now, and finding the right one is fairly simple. First and foremost, the best no balance transfer fee credit card is an offer that matches your credit score. And it must offer a low-enough intro rate (0%, if possible) long enough for you to save money. A balance transfer calculator will help with crunching the numbers.
WalletHub’s editors evaluated 1,000+ credit card offers based on those criteria to find the best no balance transfer fee credit cards around. You can find their selections below.
Here are the best no balance transfer fee credit cards:
|Best For…||Card Name||Balance Transfer Fee||Annual Fee||Intro APR|
|Overall||The Amex EveryDay® Credit Card from American Express||$0 for the first 60 days||None||0% for 15 months|
|Excellent Credit||BankAmericard® Credit Card||None||None||0% for 15 months|
|Good Credit||Chase Slate®||$0 Intro fee on transfers made within 60 days of account opening.||$0||0% for 15 months|
|College Students||BankAmericard® Credit Card for Students||None||None||0% for 15 months|
|Long Intro Period||SunTrust Prime Rewards Credit Card||None||None||4.50% (V) for 36 months|
|Wildlife Charity Rewards||Sierra Club Credit Card||None||None||0% for 12 months|
|Sustainable Travel||ReDirect Guide Credit Card||None||None||0% for 6 months|
|Low Intro Rate||Santander Ultimate Cash Back Credit Card||None||None||3% for 12 months|
All of these no transfer fee credit cards require good or excellent credit for approval. So you may want to check your latest credit score for free on WalletHub before you apply.
Furthermore, it’s important to note that finding the right plastic for a balance transfer isn’t as simple as picking the $0 balance transfer fee credit card with the lowest APR. Because as fees go down, rates tend to go up, and vice versa. So comparing only credit cards with no balance transfer fee or only zero percent balance transfer credit cards is ill-advised. Rather, you need to consider all of the following factors in combination:
- Balance transfer fee;
- Length of 0% intro APR (if applicable);
- Regular APR; and
- How much you can afford to pay each month.