4 Best No Balance Transfer Fee Credit Cards

Student Loan Hero Advertiser Disclosure

How do we make money? It’s actually pretty simple. If you choose to check out and become a customer of any of the loan providers featured on our site, we get compensated for sending you their way. This helps pay for our amazing staff of writers (many of which are paying back student loans of their own!).

Bottom line: We’re here for you. So please learn all you can, email us with any questions, and feel free to visit or not visit any of the loan providers on our site. Read less

No one ever accumulates credit card debt on purpose. But sometimes those little purchases start to add up and we find ourselves digging out of thousands of dollars of debt.

However, applying for a balance transfer to move your debt to a lower interest card can save you a ton of money, help you pay down your balances and get out of debt.

But not all cards and offers are created equally. Read on to learn which card may be best for you to avoid a balance transfer fee while getting out of debt.

What is a balance transfer fee?

A balance transfer fee is a charge from a credit card company for moving your existing balance from one card to another.

Let’s say, for example, you have a card, Card A, with a $5,000 balance. Meanwhile, Card B offers a 0% annual percentage rate (APR) for 12 months for balance transfers – but charges a three percent balance transfer fee.

If you transfer your balance, Card B will pay off your balance on Card A, put the balance on your new card, and charge you a three percent fee on the balance transferred. For a $5,000 balance transfer at three percent, the fee would be $150.

Moving to a 0% APR card would still save you money in most cases. Plus, that three percent fee is far less than the interest charged over time on a $5,000 balance.

But some cards offer the best of both worlds. If you can find a card with no transfer fee and a low APR, you’re guaranteed to save money with a transfer. Here are the four best no balance transfer fee credit cards.

Credit cards with no balance transfer fee

1. Chase Slate® credit card

what is a balance transfer fee

Slate from Chase is one of the best low-fee cards available today, and a top option for balance transfers.

You pay no balance transfer fee when you complete your first balance transfer within the first 60 days of opening a new account. After that, you pay 0% APR on purchases and balance transfers for the first 15 months you have your account.

The account charges no annual fee and includes a free FICO credit score.

Pros

  • 15 months at 0% APR
  • No annual fee

Cons

  • Variable rate APR up to 24.24% based on credit history
  • After 60 days balance transfers cost 5% of the amount transferred ($5 minimum)

Apply for Slate from Chase Here

2. Barclaycard Ring™ MasterCard®

The new Barclaycard Ring MasterCard is another top contender among all low fee credit cards.

The card charges no annual fee, no foreign transaction fees, and no balance transfer fee as long as you have the card. If you plan on several balance transfers over time, this is the best option available today.

You can get 15 months at 0% APR by completing balance transfers within 45 days of opening a new account.

Pros

  • 15 months at 0% APR
  • Will never incur fees for balance transfers

Cons

  • No miles, points, or cash back rewards

Check Out Barclaycard Ring Mastercard Today

3. NASA Federal Credit Union Visa

credit cards with no balance transfer fee

NASA Federal Credit Union offers three Visa credit cards with no balance transfer fees: a cash back card, a travel rewards card, and a classic card with a fixed interest rate.

In fact, these cards are low fee all around with no annual fees and no foreign transaction fees, with APRs as low as 10.65%. You can’t go wrong moving a balance to any card at NASA FCU.

Pros

  • Choose cash back, travel rewards, or low fixed rate APR
  • Secured option available for low credit applicants
  • No annual fee

Cons

  • APRs up to 18%
  • No 0% APR introductory period

Apply for NASA Federal Credit Union Today

4. Alliant Credit Union Visa® Platinum Rewards

balance transfer fee

The Alliant Credit Union Visa Platinum Rewards credit card has no annual fee for credit card charges, no balance transfer fee and offers the most creditworthy applicants 0% APR for 12 months on purchases and balance transfers. The card also offers one reward point per dollar.

While those rewards are not very compelling, this card is a good choice for low interest rates with no balance transfer fee.

Pros

  • 12 month 0% APR introductory period
  • No annual fee

Cons

  • Variable rate APR up to 21.74% after introductory period ends
  • 0% introductory period only available to high credit score applicants

Check Out the Alliant Credit Union Visa Platinum Rewards Card

Use these cards to reach debt freedom

Many credit card users take advantage of a card’s low APR and no balance transfer fee to get out of debt. However, you can undo your progress by making purchases that will just add to your debt.

Therefore, be sure to stick to your budget and keep a focus on early debt payments. Pay extra and often to get yourself out of debt even faster.

If you take advantage of credit cards with no balance transfer fee and low interest, you’ll have a much easier time getting that debt completely paid off for good.

4 Best No Balance Transfer Fee Credit Cards

Student Loan Hero Advertiser Disclosure

How do we make money? It’s actually pretty simple. If you choose to check out and become a customer of any of the loan providers featured on our site, we get compensated for sending you their way. This helps pay for our amazing staff of writers (many of which are paying back student loans of their own!).

Bottom line: We’re here for you. So please learn all you can, email us with any questions, and feel free to visit or not visit any of the loan providers on our site. Read less

No one ever accumulates credit card debt on purpose. But sometimes those little purchases start to add up and we find ourselves digging out of thousands of dollars of debt.

However, applying for a balance transfer to move your debt to a lower interest card can save you a ton of money, help you pay down your balances and get out of debt.

But not all cards and offers are created equally. Read on to learn which card may be best for you to avoid a balance transfer fee while getting out of debt.

What is a balance transfer fee?

A balance transfer fee is a charge from a credit card company for moving your existing balance from one card to another.

Let’s say, for example, you have a card, Card A, with a $5,000 balance. Meanwhile, Card B offers a 0% annual percentage rate (APR) for 12 months for balance transfers – but charges a three percent balance transfer fee.

If you transfer your balance, Card B will pay off your balance on Card A, put the balance on your new card, and charge you a three percent fee on the balance transferred. For a $5,000 balance transfer at three percent, the fee would be $150.

Moving to a 0% APR card would still save you money in most cases. Plus, that three percent fee is far less than the interest charged over time on a $5,000 balance.

But some cards offer the best of both worlds. If you can find a card with no transfer fee and a low APR, you’re guaranteed to save money with a transfer. Here are the four best no balance transfer fee credit cards.

Credit cards with no balance transfer fee

1. Chase Slate® credit card

what is a balance transfer fee

Slate from Chase is one of the best low-fee cards available today, and a top option for balance transfers.

You pay no balance transfer fee when you complete your first balance transfer within the first 60 days of opening a new account. After that, you pay 0% APR on purchases and balance transfers for the first 15 months you have your account.

The account charges no annual fee and includes a free FICO credit score.

Pros

  • 15 months at 0% APR
  • No annual fee

Cons

  • Variable rate APR up to 24.24% based on credit history
  • After 60 days balance transfers cost 5% of the amount transferred ($5 minimum)

Apply for Slate from Chase Here

2. Barclaycard Ring™ MasterCard®

The new Barclaycard Ring MasterCard is another top contender among all low fee credit cards.

The card charges no annual fee, no foreign transaction fees, and no balance transfer fee as long as you have the card. If you plan on several balance transfers over time, this is the best option available today.

You can get 15 months at 0% APR by completing balance transfers within 45 days of opening a new account.

Pros

  • 15 months at 0% APR
  • Will never incur fees for balance transfers

Cons

  • No miles, points, or cash back rewards

Check Out Barclaycard Ring Mastercard Today

3. NASA Federal Credit Union Visa

credit cards with no balance transfer fee

NASA Federal Credit Union offers three Visa credit cards with no balance transfer fees: a cash back card, a travel rewards card, and a classic card with a fixed interest rate.

In fact, these cards are low fee all around with no annual fees and no foreign transaction fees, with APRs as low as 10.65%. You can’t go wrong moving a balance to any card at NASA FCU.

Pros

  • Choose cash back, travel rewards, or low fixed rate APR
  • Secured option available for low credit applicants
  • No annual fee

Cons

  • APRs up to 18%
  • No 0% APR introductory period

Apply for NASA Federal Credit Union Today

4. Alliant Credit Union Visa® Platinum Rewards

balance transfer fee

The Alliant Credit Union Visa Platinum Rewards credit card has no annual fee for credit card charges, no balance transfer fee and offers the most creditworthy applicants 0% APR for 12 months on purchases and balance transfers. The card also offers one reward point per dollar.

While those rewards are not very compelling, this card is a good choice for low interest rates with no balance transfer fee.

Pros

  • 12 month 0% APR introductory period
  • No annual fee

Cons

  • Variable rate APR up to 21.74% after introductory period ends
  • 0% introductory period only available to high credit score applicants

Check Out the Alliant Credit Union Visa Platinum Rewards Card

Use these cards to reach debt freedom

Many credit card users take advantage of a card’s low APR and no balance transfer fee to get out of debt. However, you can undo your progress by making purchases that will just add to your debt.

Therefore, be sure to stick to your budget and keep a focus on early debt payments. Pay extra and often to get yourself out of debt even faster.

If you take advantage of credit cards with no balance transfer fee and low interest, you’ll have a much easier time getting that debt completely paid off for good.

Study of the users that contract our credits online

Resulta ng larawan para sa credit

 

Loans Ferratum

We present the following infographic with the most important conclusions about the type of users that usually hire credits in   Ferratum and Creditomovil .

To understand what it is that leads a person to contract a quick credit, first it is necessary to know how is the economic outlook in our country. For this we have compiled some data obtained by the National Institute of Statistics on the economic situation of Spain in 2012, with which we can understand much better the behavior of our customers.

According to the INE, we have an unemployment rate of 26%, the second highest in Europe, second only to Greece. However, the employment situation of people who hire online loans is mostly made up of salaried workers, representing 62%, followed by unemployed workers with 29% and self-employed workers with 18%. This means that you do not have to be unemployed to hire a loan, but there are people who need an economic bonus to make your life more satisfying.

Analyzing the rise in the CPI (Consumer Price Index), we see that in 2012 it was reflected above all in these products: eggs, medicines and fuels, that is, articles of first necessity. While they lowered prices on photographic equipment, sound, computer and telephone services.

This gives us a clue as to why most users (68%) use the money obtained with the loan in their own expenses. And the rest spend the money to be able to make ends meet, others use it in sporadic expenses and others in leisure.

In the data of the INE we also observe a priori a saving trend. The average expenditure per household has decreased with respect to last year, standing at € 29,482 per year, while the average annual income of Spanish households have also decreased, hence many people need to hire our loans in order to reach an end. of month.

Therefore, more and more people are encouraged to hire fast loans, being the features that convince our customers the return times, the amount of the loan amounts, the fees and our customer service.

If you are interested in hiring an online credit or a loan, here you can consult all the   necessary information to know what the conditions of hiring are.

prestamos online

 

Study of the users that contract our credits online

Resulta ng larawan para sa credit

 

Loans Ferratum

We present the following infographic with the most important conclusions about the type of users that usually hire credits in   Ferratum and Creditomovil .

To understand what it is that leads a person to contract a quick credit, first it is necessary to know how is the economic outlook in our country. For this we have compiled some data obtained by the National Institute of Statistics on the economic situation of Spain in 2012, with which we can understand much better the behavior of our customers.

According to the INE, we have an unemployment rate of 26%, the second highest in Europe, second only to Greece. However, the employment situation of people who hire online loans is mostly made up of salaried workers, representing 62%, followed by unemployed workers with 29% and self-employed workers with 18%. This means that you do not have to be unemployed to hire a loan, but there are people who need an economic bonus to make your life more satisfying.

Analyzing the rise in the CPI (Consumer Price Index), we see that in 2012 it was reflected above all in these products: eggs, medicines and fuels, that is, articles of first necessity. While they lowered prices on photographic equipment, sound, computer and telephone services.

This gives us a clue as to why most users (68%) use the money obtained with the loan in their own expenses. And the rest spend the money to be able to make ends meet, others use it in sporadic expenses and others in leisure.

In the data of the INE we also observe a priori a saving trend. The average expenditure per household has decreased with respect to last year, standing at € 29,482 per year, while the average annual income of Spanish households have also decreased, hence many people need to hire our loans in order to reach an end. of month.

Therefore, more and more people are encouraged to hire fast loans, being the features that convince our customers the return times, the amount of the loan amounts, the fees and our customer service.

If you are interested in hiring an online credit or a loan, here you can consult all the   necessary information to know what the conditions of hiring are.

prestamos online

 

P2P credits, all about these credits between people

The so-called P2P credits, or credits between people are increasingly known in our country. But what are they? How do they work? How can they be requested? We tell you everything in this post.

Resulta ng larawan para sa credit

Credits for entrepreneurs, advice and documentation

In this post we will see all the documents that can usually be requested at the time of requesting a loan for entrepreneurs, both banks and other alternative financing platforms, and how to increase the chances of getting a loan for entrepreneurs.

Resulta ng larawan para sa credit

Credits between individuals. Guide to formalize them

Currently, loans between individuals are increasingly used and considered a good alternative to bank loans, this has been mainly due to the closing of the credit tap where it is increasingly difficult to access a particular financing for those people or companies that need certain amount of resources at any given time. The loan between individuals is then presented as a good alternative within the few financing options that exist today.

 

Credits for business without going through the bank

Many companies, both SMEs and self-employed or entrepreneurs need credit for business, because without external financial help can not carry out their ideas and projects.

Credits # May 18, 2016

Loans to SMEs, requirements to obtain financing

Almost all the companies in our country are SMEs (small and medium enterprises with between 0 and 249 employees), representing more than 99% of the Spanish business fabric (99.88% according to the latest report by the Ministry of Industry, Energy and Tourism, which represents a figure of 3,110,522 companies).

Credits # May 12, 2016

Credits and loans, what are your differences?

In the area of ​​economics and finance it is very common to use the word credit as a synonym of loan and vice versa. But although we think they mean the same thing, they have a series of differences that the company must know when applying for financing, in order to choose the product that best suits it, be it the loan or the loan.

Credits # May 12, 2016

SME Credit to start a business: tips

According to the II Report on the Financing of SMEs in Spain carried out by the Spanish Confederation of Guarantee Companies (SGR-CESGAR), one million small businesses in Spain have serious difficulties in accessing the financing they really need, if 150,000 These small companies or SMEs will achieve this access to credit to start a business, it could generate up to 450,000 jobs in the next 3 years.

 

Credit to large companies

Large companies do not have financial limits or number of workers that limit their activity by governments. These large companies exceed those limits that are placed on small businesses, although they depend in each case on the country where the company is located, although normally these large companies are located in several countries and are defined as multinationals.

Credits

P2P credits, all about these credits between people

The so-called P2P credits, or credits between people are increasingly known in our country. But what are they? How do they work? How can they be requested? We tell you everything in this post.

Resulta ng larawan para sa credit

Credits for entrepreneurs, advice and documentation

In this post we will see all the documents that can usually be requested at the time of requesting a loan for entrepreneurs, both banks and other alternative financing platforms, and how to increase the chances of getting a loan for entrepreneurs.

Resulta ng larawan para sa credit

Credits between individuals. Guide to formalize them

Currently, loans between individuals are increasingly used and considered a good alternative to bank loans, this has been mainly due to the closing of the credit tap where it is increasingly difficult to access a particular financing for those people or companies that need certain amount of resources at any given time. The loan between individuals is then presented as a good alternative within the few financing options that exist today.

 

Credits for business without going through the bank

Many companies, both SMEs and self-employed or entrepreneurs need credit for business, because without external financial help can not carry out their ideas and projects.

Credits # May 18, 2016

Loans to SMEs, requirements to obtain financing

Almost all the companies in our country are SMEs (small and medium enterprises with between 0 and 249 employees), representing more than 99% of the Spanish business fabric (99.88% according to the latest report by the Ministry of Industry, Energy and Tourism, which represents a figure of 3,110,522 companies).

Credits # May 12, 2016

Credits and loans, what are your differences?

In the area of ​​economics and finance it is very common to use the word credit as a synonym of loan and vice versa. But although we think they mean the same thing, they have a series of differences that the company must know when applying for financing, in order to choose the product that best suits it, be it the loan or the loan.

Credits # May 12, 2016

SME Credit to start a business: tips

According to the II Report on the Financing of SMEs in Spain carried out by the Spanish Confederation of Guarantee Companies (SGR-CESGAR), one million small businesses in Spain have serious difficulties in accessing the financing they really need, if 150,000 These small companies or SMEs will achieve this access to credit to start a business, it could generate up to 450,000 jobs in the next 3 years.

 

Credit to large companies

Large companies do not have financial limits or number of workers that limit their activity by governments. These large companies exceed those limits that are placed on small businesses, although they depend in each case on the country where the company is located, although normally these large companies are located in several countries and are defined as multinationals.

Credits

The best credit for solving a serious illness

 

 

Resulta ng larawan para sa credit

Diseases are those situations in which time is money, and if they are serious, more. Says the saying that time is pressing, how much truth in so few words.

When there is a diagnosis of a serious illness, the days may be an eternity or, on the contrary, they may happen in the blink of an eye.

What is true and there could be no doubt, is that these diseases are not only serious for health, but also for personal finances. What should be done in these cases?

Request a loan is the most convenient when these urgencies afflict, sometimes not all savings or all bank accounts are sufficient to settle the account of these treatments, which obviously can not wait.

At Credifiel we have different credit options for public sector workers , so do not worry if you have to request one soon and read on to know what a loan should offer to solve a serious illness:

  • Ease of application: Without so much research, without so much formality and without so many questions, the credit can be almost yours. Neither is it about generating mistrust, it only speeds up the process because, when you work in an institution with which there is an agreement with a credit organization, everything is much simpler and more practical.
  • Rapid response capacity: Before a serious illness, we can not wait for so many days to pass to approve the credit, start the process and much less, to deliver the money.
  • For this reason, you should look for an option that has that quick ability to give you an answer, so in a few hours you will have the money in your bank account, ready for you to have it.
  • Opportunities for pensioners and retirees: For pensioners and retired people, in most cases the possibilities are reduced since “they will not have the resources to be able to liquidate the loan”.
  • In case of illness, you have to look for an option that does not put obstacles in your way, but on the contrary, it should help you to resolve the situation as soon as possible and, in addition, speed up the process.
  • The lowest interest rate: Of course, once the disease is resolved and it has become a thing of the past, you will have to take care of paying off the loan completely.
  • If you choose a discount option via payroll, you will see that paying off your payments will be much easier and, in addition, it turns out to be an option in which interest is reduced.

Resulta ng larawan para sa credit

In Credifiel we have credits for retirees , pensioners and workers from government agencies with which there is an agreement. In addition, our terms provide you with the time necessary to liquidate the loan without setbacks.

At the end, you can request another credit equal or greater. In those moments when time is money, do not lose hope and trust us.

Contact us and we will help you solve that illness and emergency situation, so that neither that nor anything, will take away your sleep. 

 

The best credit for solving a serious illness

 

 

Resulta ng larawan para sa credit

Diseases are those situations in which time is money, and if they are serious, more. Says the saying that time is pressing, how much truth in so few words.

When there is a diagnosis of a serious illness, the days may be an eternity or, on the contrary, they may happen in the blink of an eye.

What is true and there could be no doubt, is that these diseases are not only serious for health, but also for personal finances. What should be done in these cases?

Request a loan is the most convenient when these urgencies afflict, sometimes not all savings or all bank accounts are sufficient to settle the account of these treatments, which obviously can not wait.

At Credifiel we have different credit options for public sector workers , so do not worry if you have to request one soon and read on to know what a loan should offer to solve a serious illness:

  • Ease of application: Without so much research, without so much formality and without so many questions, the credit can be almost yours. Neither is it about generating mistrust, it only speeds up the process because, when you work in an institution with which there is an agreement with a credit organization, everything is much simpler and more practical.
  • Rapid response capacity: Before a serious illness, we can not wait for so many days to pass to approve the credit, start the process and much less, to deliver the money.
  • For this reason, you should look for an option that has that quick ability to give you an answer, so in a few hours you will have the money in your bank account, ready for you to have it.
  • Opportunities for pensioners and retirees: For pensioners and retired people, in most cases the possibilities are reduced since “they will not have the resources to be able to liquidate the loan”.
  • In case of illness, you have to look for an option that does not put obstacles in your way, but on the contrary, it should help you to resolve the situation as soon as possible and, in addition, speed up the process.
  • The lowest interest rate: Of course, once the disease is resolved and it has become a thing of the past, you will have to take care of paying off the loan completely.
  • If you choose a discount option via payroll, you will see that paying off your payments will be much easier and, in addition, it turns out to be an option in which interest is reduced.

Resulta ng larawan para sa credit

In Credifiel we have credits for retirees , pensioners and workers from government agencies with which there is an agreement. In addition, our terms provide you with the time necessary to liquidate the loan without setbacks.

At the end, you can request another credit equal or greater. In those moments when time is money, do not lose hope and trust us.

Contact us and we will help you solve that illness and emergency situation, so that neither that nor anything, will take away your sleep. 

 

STRATEGIES TO SAVE MONEY ON FOOD – Lender Chile – Loans and Credit

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Food purchases can be extremely expensive if strategies are not presented before going to the supermarket. Here are nine useful tips that will help you save money when buying food.

Make One Trip

Instead of going several times a week, it is better to make a single trip to the super market. In this way, you can buy everything at once and limit the amount of unnecessary items you buy when you go.

Plan To Follow

When shopping, it is always better to plan ahead to make sure you buy only what is needed. Plan what you will eat every day and make a very detailed list of what you need to make those meals that will help you stay on track.

 

Resulta ng larawan para sa credit

Do not Go If You Have Hunger

Go to the super Market with hunger will make you want to buy everything that looks tasty. Eating before you go shopping will help you focus on what you wanted to buy and not gloat to see what you want to eat at that time.

Use Coupons

As obvious as it seems, coupons are the best way to save money on your purchases. The coupons can be easily found online, as several brands will offer them to try out their new products.

Empty The Pantry

The food that accumulates in your pantry may be more useful than you think. Give yourself the goal of using at least two items a week, plan your meals instead of buying new things. In other words, use what you have first before buying new things.

Buy In Larger Quantities

It may seem expensive at first, but buying in bulk is actually one of the best ways to save a lot of money. If you know, for example, that you eat the same granola bar every day, you can buy a larger quantity because you know you will eat them   all.

Articles In Specials

In the same way, when buying in larger quantities, when the item you eat every day is for sale, buy more than one package so that when the sale ends you do not have to buy more at the regular price.

Go Solo

Going to the super market with someone else will provoke discussions about the food around you that will make you feel more tempted to buy things you do not need.

Resulta ng larawan para sa credit

Do not Buy Pre-cut Foods

Grated cheese, pre-cut fruits or any other type of pre-cut food is definitely not worth paying extra money. In fact, when you buy this type of food, you pay extra for the preparation of such foods.

STRATEGIES TO SAVE MONEY ON FOOD – Lender Chile – Loans and Credit

Resulta ng larawan para sa credit

Food purchases can be extremely expensive if strategies are not presented before going to the supermarket. Here are nine useful tips that will help you save money when buying food.

Make One Trip

Instead of going several times a week, it is better to make a single trip to the super market. In this way, you can buy everything at once and limit the amount of unnecessary items you buy when you go.

Plan To Follow

When shopping, it is always better to plan ahead to make sure you buy only what is needed. Plan what you will eat every day and make a very detailed list of what you need to make those meals that will help you stay on track.

 

Resulta ng larawan para sa credit

Do not Go If You Have Hunger

Go to the super Market with hunger will make you want to buy everything that looks tasty. Eating before you go shopping will help you focus on what you wanted to buy and not gloat to see what you want to eat at that time.

Use Coupons

As obvious as it seems, coupons are the best way to save money on your purchases. The coupons can be easily found online, as several brands will offer them to try out their new products.

Empty The Pantry

The food that accumulates in your pantry may be more useful than you think. Give yourself the goal of using at least two items a week, plan your meals instead of buying new things. In other words, use what you have first before buying new things.

Buy In Larger Quantities

It may seem expensive at first, but buying in bulk is actually one of the best ways to save a lot of money. If you know, for example, that you eat the same granola bar every day, you can buy a larger quantity because you know you will eat them   all.

Articles In Specials

In the same way, when buying in larger quantities, when the item you eat every day is for sale, buy more than one package so that when the sale ends you do not have to buy more at the regular price.

Go Solo

Going to the super market with someone else will provoke discussions about the food around you that will make you feel more tempted to buy things you do not need.

Resulta ng larawan para sa credit

Do not Buy Pre-cut Foods

Grated cheese, pre-cut fruits or any other type of pre-cut food is definitely not worth paying extra money. In fact, when you buy this type of food, you pay extra for the preparation of such foods.