Credit Cards No Interest Balance Transfer

Top 5 Credit Cards for No Balance Transfer Fee

Hello Friends,

Are you tired of paying high interest rates on your credit cards every month? Then, it’s time to consider credit cards with no balance transfer fees. These cards offer a promotional period where you can transfer your balance from your high-interest credit card to a new card with no balance transfer fee and no interest charges.

In this article, I’m going to discuss the top 5 credit cards for no balance transfer fee and help you choose the best credit card that suits your needs.

1. Discover it Cash Back

Discover it Cash Back credit card is one of the best credit cards for no balance transfer fee. This card offers an introductory 0% APR for 14 months on balance transfers, and after that, the variable APR will be 11.99% – 22.99%.

With this card, you will earn 5% cashback at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate, and unlimited 1% cashback on all other purchases.

Pros:

  • 0% APR for 14 months on balance transfer
  • 5% cashback on rotating categories
  • No annual fee

Cons:

  • Not accepted everywhere like Visa or Mastercard
  • High variable APR after the promotional period

2. Chase Slate

Chase Slate is another great credit card for no balance transfer fee. This card offers an introductory 0% APR for the first 15 months on balance transfers and purchases, and after that, the variable APR will be 14.99%–23.74%.

This card offers a no annual fee, and it provides free access to credit score and credit monitoring.

Pros:

  • 0% APR for 15 months on balance transfer and purchases
  • No annual fee
  • Free credit score and monitoring

Cons:

  • No rewards program
  • 3% balance transfer fee

3. Citi Simplicity Card – No Late Fees Ever

If you’re looking for a card with simple, no-nonsense features, then Citi Simplicity Card is the right card for you. This card offers a 0% APR for the first 18 months on purchases and balance transfers, and after that, the variable APR will be 14.74%-24.74%.

What makes this card unique is that it has no late fees, no annual fees, and no penalty APR.

Pros:

  • 0% APR for 18 months on purchases and balance transfers
  • No late fees, annual fees or penalty APR
  • Free access to FICO Scores

Cons:

  • No rewards program
  • 3% balance transfer fee or $5, whichever is greater

4. Wells Fargo Platinum Card

Wells Fargo Platinum Card is a great option for those who want a simple card that offers easy-to-understand rewards. This card offers a 0% APR for the first 18 months on purchases and balance transfers, and after that, the variable APR will be 16.49% – 24.49%.

What’s great about this card is that it provides overdraft protection and cell phone protection. Moreover, it offers free access to FICO Scores.

Pros:

  • 0% APR for 18 months on purchases and balance transfers
  • Overdraft protection and cell phone protection
  • Free access to FICO Scores

Cons:

  • No rewards program
  • 3% balance transfer fee

5. U.S. Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card is another great option for those who want a simple card that offers basic features. This card offers a 0% APR for the first 20 billing cycles on balance transfers and purchases, and after that, the variable APR will be 14.49%-24.49%.

What’s great about this card is that it offers free access to your credit score and flexible payment options.

Pros:

  • 0% APR for 20 billing cycles on balance transfers and purchases
  • Free access to your credit score
  • Flexible payment options

Cons:

  • No rewards program
  • 3% balance transfer fee or $5, whichever is greater

Conclusion

In conclusion, choosing the right credit card with no balance transfer fee depends on your financial situation, spending habits, and credit score. Always make sure to choose a credit card with a promotional period that suits your needs, and check the balance transfer fee and variable APR after the promotion ends.

We hope this article helped you make the right decision when choosing a new credit card. If you have any questions or comments, please feel free to share them with us. Thank you for reading, and see you in the next article.

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