No Balance Transfer Fee Credit Cards
WalletHub makes it easy to find the best credit card with no balance transfer fee for you.
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Best No Balance Transfer Fee Credit Cards
- Navy Federal Credit Union Platinum Credit Card: Military Families
- BBVA Compass Business Rewards Credit Card: Business Owners
- SunTrust Prime Rewards Credit Card: Long Intro Period
- Arvest Bank Purchasing Credit Card: Short Balance Transfers
Capital One Quicksilver Cash Rewards Credit Card Capital One Quicksilver Cash Rewards Credit Card

- One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
- Pay no annual fee or foreign transaction fees
- See More Details & Reviews About TheCapital One Quicksilver Cash Rewards Credit Card
Capital One SavorOne Cash Rewards Credit Card Capital One SavorOne Cash Rewards Credit Card

- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases for 15 months; 15.49% - 25.49% variable APR after that
- No foreign transaction fee
- No annual fee
- See More Details & Reviews About TheCapital One SavorOne Cash Rewards Credit Card
Capital One VentureOne Rewards Credit Card Capital One VentureOne Rewards Credit Card

- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Transfer your miles to over 15+ travel loyalty programs
- $0 annual fee and no foreign transaction fees
- Enjoy 0% intro APR on purchases for 12 months; 15.49% - 25.49% variable APR after that
- See More Details & Reviews About TheCapital One VentureOne Rewards Credit Card
Capital One® Walmart Rewards® Mastercard® Capital One® Walmart Rewards® Mastercard®

- Earn 5% cash back on Walmart.com purchases, including pickup and delivery
- Earn 2% cash back on purchases in Walmart stores, 2% cash back on restaurants and travel purchases, and 1% cash back on all other purchases everywhere else Mastercard® is accepted
- Introductory offer: Earn 5% cash back on purchases in Walmart stores when you use this card with Walmart Pay for the first 12 months after approval
- Redeem rewards for cash back, statement credits, recent purchases in and out of Walmart, travel, and gift cards
- $0 annual fee
- No foreign transaction fees
- See More Details & Reviews About TheCapital One® Walmart Rewards® Mastercard®
Capital One Platinum Credit Card Capital One Platinum Credit Card

- Pay no annual fee
- Be automatically considered for a higher credit line in as little as 6 months
- Fraud coverage if your card is lost or stolen
- Use online banking to access your account, even from your smartphone, with our mobile app
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
- Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
- Get access to your account 24 hours a day, 7 days a week
- Help build your credit through responsible use of a card like this
- See More Details & Reviews About TheCapital One Platinum Credit Card
Secured Mastercard® from Capital One Secured Mastercard® from Capital One

- No annual fee
- Unlike a prepaid card, there is regular reporting to the 3 major credit bureaus
- Accepted at millions of locations worldwide
- Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
- Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- We will monitor your account, and as you use it responsibly by doing things like making on-time payments, you may be able to earn back your deposit as a statement credit
- Easily manage your account 24/7 with online access, by phone or using our mobile app
- See More Details & Reviews About TheSecured Mastercard® from Capital One
Capital One Venture Rewards Credit Card Capital One Venture Rewards Credit Card

- Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months
- Earn unlimited 2X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
- Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
- No foreign transaction fees
- See More Details & Reviews About TheCapital One Venture Rewards Credit Card
Capital One QuicksilverOne Cash Rewards Credit Card Capital One QuicksilverOne Cash Rewards Credit Card

- Earn unlimited 1.5% cash back on every purchase, every day
- Earn cash rewards without signing up for rotating categories
- No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
- Be automatically considered for a higher credit line in as little as 6 months
- Monitor your credit profile with the CreditWise® app, free for everyone
- $0 fraud liability if your card is ever lost or stolen
- Help strengthen your credit for the future with responsible card use
- Get customized alerts and manage your account with the Capital One mobile app
- See More Details & Reviews About TheCapital One QuicksilverOne Cash Rewards Credit Card
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Best Credit Cards with No Balance Transfer Fee

SunTrust Prime Rewards Credit Card
The best credit card with no balance transfer fee is the SunTrust Prime Rewards Credit Card because it has an introductory balance transfer APR of 3.25% (V) for 36 months and a balance transfer fee that’s $0 for the first 60 days. The SunTrust Prime Card also has a $0 annual fee. However, the card’s regular APR is 11.24% - 21.24% (V), depending on creditworthiness, so it’s best to pay off your transferred balance before the low-interest introductory period ends.
Navy Federal Credit Union Platinum Credit Card
The best credit card with no balance transfer fee for military families is the Navy Federal Credit Union Platinum Credit Card because it offers an introductory APR of 0% for 12 months on balance transfers as well as a balance transfer fee of $0. The Navy Federal Credit Union Platinum Credit Card also has a $0 annual fee.
BBVA Compass Business Rewards Credit Card
The best business credit card with no balance transfer fee is the BBVA Compass Business Rewards Credit Card because it offers an introductory APR of 0% to 3.99% for 12 months on balance transfers as well as a balance transfer fee of $0. The BBVA Compass Business Rewards Credit Card also has a $0 annual fee.
Arvest Bank Purchasing Credit Card
One of the best credit cards with no balance transfer fee for short-term balance transfers is the Arvest Bank Purchasing Credit Card because it has a balance transfer fee of $0 and offers an introductory APR of 0% for 6 months on balance transfers. The Arvest Bank Purchasing Credit Card also has a $0 annual fee.
For your convenience, we’ll summarize WalletHub’s editors’ picks for the best credit cards with $0 balance transfer fees below. WalletHub’s editors evaluated 1,500+ credit card offers to find the top deals.
Best No Balance Transfer Fee Cards
Credit Card | Best For | Balance Transfer Fee |
BBVA Compass Business Rewards Credit Card | Business Owners | $0 |
Navy Federal Credit Union Platinum Credit Card | Military Families | $0 |
SunTrust Prime Rewards Credit Card | Long Intro Period | $0 |
Arvest Bank Purchasing Credit Card | Short Balance Transfers | $0 |
Most 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.
As a result, comparing only 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.
A credit card payoff calculator will be a big help with this. Just remember, the longer you expect to take paying off what you owe, the more emphasis you should put on the regular APR. If you’ll be able to pay down the majority of your balance during a 0% intro period, the transfer fee becomes more important.
Questions & Answers
Comparing no balance transfer fee credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered....show moreshow less
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Featured Credit Cards
Ask the Experts
To help you gain a better understanding of how balance transfer fees can impact your plans to get rid of debt, we posed the following questions to a panel of experts. Hopefully, their responses – which you can find below, along with the experts’ bios – will help you save time and money on the road to debt freedom.
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Do you think people pay enough attention to balance transfer fees when shopping for a balance transfer credit card? Do you think credit card companies need to do a better job of disclosing balance transfer fees?
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Why aren’t there more credit cards with no balance transfer fee?
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Mark Scanlan
Ph.D., Professor of Economics, Stephen F. Austin State University
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Pearl Steinbuch
Ph.D., Senior Lecturer, Markets, Public Policy and Law, Questrom School of Business, Boston University
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Gautam Mukerjee
Associate Professor, University of Pittsburgh at Bradford
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Carlo Silvesti
CPA, MBA, CGMA, Associate Professor of Accounting, Gwynedd Mercy University, School of Business and Education
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Michael Simkovic
Professor of Law and Accounting, University of Southern California, Gould School of Law
Read More
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Michael Manahan
MBA – Full Time Lecturer, California State University, Dominguez Hills
Read More
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Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.