Discover's new
no fee balance transfer card that came out January 1st is defintely a good contentender for this list
With some careful research, you can likely find a local credit union or community bank with a no -
fee balance transfer card.
Discover's new
no fee balance transfer card that came out January 1st is defintely a good contentender for this list
The Chase Slate credit card has been the best choice among no -
fee balance transfer cards for the last several years.
These fees are generally a percentage of the balance being transferred and commonly range from 3 - 5 percent of the amount transferred, although there are some zero -
fee balance transfer cards available for people with excellent credit.
Not exact matches
Currently, two
cards — Chase Slate and Capital One QuicksilverOne Cash Rewards — have no
balance transfer fees, according to CardHub.com.
Best of all, the
card has no annual
fee and often has 0 % APR for the first 15 months on purchases and
balance transfers.
Buying products and services with your
card, in most cases, will count as a purchase; however, the following types of transactions won't count and won't earn points:
balance transfers, cash advances and other cash - like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and
fees of any kind, including an annual
fee, if applicable.
Note that many credit
cards will charge a
balance transfer fee.
There is one credit
card at least that offers no
balance transfer fees and has a low purchase interest rate.
Some
cards don't charge these
fees, but others will charge 3 % to 5 % of the
balance transferred.
The Chase Slate ® is one of the few credit
cards to waive the
transfer fee as an intro offer on
balances transferred within the first 60 days of account opening.
There are other
cards that offer a longer 0 % introductory period, however very few offer a $ 0
balance transfer fee.
If you
transfer a
balance to the
card within 60 days of account opening, the
balance transfer fee (usually 3 %) will be waived.
Even after the 3 % or $ 10 (whichever is greater)
balance transfer fee, you are still likely saving money compared to paying interest on another
card.
The biggest thing that sets it apart from other
cards, is that it doesn't charge a
balance transfer fee.
Bottom Line: The Citi Simplicity ®
Card - No Late
Fees Ever is one of the better
balance transfer credit
cards, due to the long 0 % intro APR period.
This is because it offers a longer 0 % intro APR for
balance transfers, at 21 months — 3 months longer than the Citi Simplicity ®
Card - No Late
Fees Ever.
The Capital One ® Quicksilver ® Cash Rewards Credit
Card has 0 % intro APR on purchases and
balance transfers for 9 months (a 3 %
fee applies to each
balance transferred).
The best rewards credit
cards have no annual
fees and an introductory 0 % APR on
balance transfers and regular purchases.
Certain transactions are not eligible for Reward Points, including Advances (as defined in the Agreement, including wire
transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), Annual
Fee, convenience checks,
balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges,
fees, credit insurance charges, transactions to fund certain prepaid
card products, U.S. Mint purchases, or transactions to purchase cash convertible items.
With RateSupermarket.ca's credit
cards comparison, you can compare and easily access the best low interest credit
cards, rewards credit
cards, no
fee credit
cards, and low
balance transfer credit
cards in Canada.
If you're looking for a
balance transfer card and you have hefty
balances to
transfer, you might prefer the Chase Slate ®
card, which offers a
fee - free
transfer if you complete within 60 days of opening an account.
If you're
fee - averse, you might be better off with a
card that doesn't charge a
balance transfer fee.
If you're
transferring a
balance of $ 10,000, the 5 %
balance transfer fee on the Chase Freedom Unlimited ®
card will cost you $ 500 — not exactly small change.
Some of the most common credit
card fees are annual
fees, late payment
fees,
balance transfer fees, cash advance
fees, foreign transaction
fees, and late payment
fees.
So cardholders in debt can
transfer their existing
balances to this
card and avoid interest without paying the
balance transfer fee imposed by all other credit
cards with interest free promotional financing offers.
There are some credit
cards that are designed for consumers that are trying to pay off credit
card debt that have no
balance transfer fees.
Some issuers charge
fees for urgent
card delivery as well as
balance transfer fees, overdraft
fees, surcharges, and so on.
The Chase Slate ® is one of our favorite
balance transfer credit
cards, due to the 0 % introductory
balance transfer fee on
transfers that occur within the first 60 days of account opening.
The grace period is typically from 12 to 21 months, and most of these
cards charge a
transfer fee of 3 % to 5 % of the outstanding
balance.
Balance transfer fees are charged to your card's account when you attempt to transfer a balance from anothe
Balance transfer fees are charged to your
card's account when you attempt to
transfer a
balance from anothe
balance from another
card.
These days, such activity has been discouraged by
card issuers, given the higher
fees applied to
balance transfers (typically 4 % of the
transfer amount) and the low rates of return of alternative investments and savings accounts.
First of all, you need to be aware that many credit
cards charge
balance transfer fees.
There are
cards that have no
balance transfer fees.
Considering that you may be able to
transfer up to your available credit limit ($ 15,000 max), you could save hundreds of dollars, compared to other
cards that charge a
balance transfer fee of 3 to 5 percent.
Even with the 3 % -5 %
balance transfer fee it should be clear that you can save a good amount of money by taking advantage of a 0 %
balance transfer credit
card offers.
Chase Slate ® is the solid option around for a
balance -
transfer card that slashes
fees.
If you think you'll need more than 15 months to pay off the debt you
transfer, compare the cost of paying a
balance transfer fee to the savings from a longer period that other
cards may offer.
Barclaycard Ring ™ Mastercard ® — Vote on product features and terms with this unique
card that charges no
balance transfer fees, has an annual
fee of $ 0 and offers a low ongoing variable APR..
Finally, the Chase Ink Business Cash ℠ Credit
Card has no annual
fee plus a 0 % introductory APR for 12 months on purchases and
balance transfers.
Since the Chase Slate ® also charges an annual
fee of $ 0, it's a low - cost option if you'll be able to pay off your
balance transfer within the
card's 0 % period.
* Please note that the
balance transfer fee may not make the most sense depending on how much credit
card debt you have, as well as the interest rates and minimum payments of each debt.
Save money at Tesco Bank No
Balance Transfer Fee Credit
Card with our cashback & discount codes.
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There is no annual
fee, but you will have a
balance transfer fee of $ 10 or 3 % of your
transfer amount, which isn't as attractive as the Simplicity or the Slate
card.
This is because it waives its
fee for
balance transfers that occur in the first 60 days of receiving the
card.
Balance transfers made within 60 days won't get hit with a fee and the card also includes a 0 % intro APR for 15 months for both balance transfers and pur
Balance transfers made within 60 days won't get hit with a
fee and the
card also includes a 0 % intro APR for 15 months for both
balance transfers and pur
balance transfers and purchases.
Be aware that
balance transfers need to be made within four months of opening your
card account in order to get the low rate and there is a 3 %
balance transfer fee, or $ 5, whichever is greater.
The interest - free period on the Citi Simplicity ®
Card - No Late
Fees Ever is nice and long: 0 % on Purchases and
Balance Transfers for 18 months, and then the ongoing APR of 15.49 % - 25.49 % Variable APR..