Best Credit Cards With No Balance Transfer Fee

Best Credit Cards With No Balance Transfer Fee

We've sifted through dozens of balance transfer offers to create a list of $0 balance transfer fee cards that can help you get out of debt fast.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Citi is an advertising partner

Are you struggling to pay down a big credit card balance? Do you cringe as you watch a chunk of your payment get eaten up by interest every month? A balance transfer credit card with no fee may be the answer.

A balance transfer card is one of the best ways to pay down debt. But most 0% interest credit cards from big banks charge a balance transfer fee of 3% to 5%. That can tack up to $250 onto a $5,000 balance and cancel out your savings from not paying interest.

But we're about to let you in on a well-kept secret: There are several cards from credit unions and smaller banks that charge a $0 balance transfer fee. Some of these cards also have a 0% APR introductory period for balance transfers.

We've put together a list of seven credit cards with a $0 balance transfer fee, including our pick for the best balance transfer credit card with no fee: Wings Visa® Platinum Card. This card offers a trifecta of savings: a $0 balance transfer fee plus 0% APR on both balance transfers and purchases. That's a winning combination for anyone aiming to get out of debt.

Best credit cards with no balance transfer fee

Why trust us

To make choosing the right card easier, we've analyzed credit cards on ValuePenguin as well as on major issuer sites to compile a list of the best credit cards with no balance transfer fee. Our recommendations are based on features that help you save money on a balance transfers, including 0% introductory APRs for balance transfers and purchases, regular APRs and a lack of an annual fee. We also considered the value of other features, including sign-up bonuses and rewards programs. Our choices are not influenced by our advertisers.

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Choice Rewards World Mastercard® from First Tech FCU

Our thoughts

The Choice Rewards World Mastercard® from First Tech FCU is a great starter rewards credit card for anyone trying to knock out a previous debt. It's also good for consumers who want both the benefits of using a credit union and a digital-friendly experience.

This card offers a generous deal: a $0 balance transfer fee, plus an intro APR of 0% for 12 billing cycles on balance transfers (then 8.25% - 18.00% Variable), essentially giving you a year to pay off your old debt for free. Once you wipe out your debt, you've got plenty of reasons to keep the card, including double rewards points in six bonus categories that cover most everyday spending.

Introductory balance transfer APR: 0% for 12 billing cycles on balance transfers

Introductory purchase APR: N/A

Regular APR: 8.25% - 18.00% Variable based on creditworthiness

Annual fee: $0

Other features: Get a sign-up bonus of 20,000 points when you spend $3,000 in the first 60 days. Rewards program offers 2 points per $1 spent on groceries, gas, electronics, medical, household goods and telecommunications, and 1 point per $1 spent on other purchases. Comes with cellphone insurance to repair or replace a damaged, lost or stolen phone.

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe Choice Rewards World Mastercard® from First Tech FCU is a great starter rewards credit card for anyone trying to knock out a previous debt. It's also good for consumers who want both the benefits of using a credit union and a digital-friendly experience.\u003C\/p\u003E\n\n\u003Cp\u003EThis card offers a generous deal: a $0 balance transfer fee, plus an intro APR of 0% for 12 billing cycles on balance transfers (then 8.25% - 18.00% Variable), essentially giving you a year to pay off your old debt for free. Once you wipe out your debt, you've got plenty of reasons to keep the card, including double rewards points in six bonus categories that cover most everyday spending.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EIntroductory balance transfer APR:\u003C\/strong\u003E 0% for 12 billing cycles on balance transfers\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EIntroductory purchase APR:\u003C\/strong\u003E N\/A\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003ERegular APR:\u003C\/strong\u003E 8.25% - 18.00% Variable based on creditworthiness\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EAnnual fee:\u003C\/strong\u003E $0\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EOther features:\u003C\/strong\u003E Get a sign-up bonus of 20,000 points when you spend $3,000 in the first 60 days. Rewards program offers 2 points per $1 spent on groceries, gas, electronics, medical, household goods and telecommunications, and 1 point per $1 spent on other purchases. Comes with cellphone insurance to repair or replace a damaged, lost or stolen phone.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Our thoughts

The Navy Federal Credit Union GO REWARDS® Credit Card is a good choice for a cardholder looking for a balance transfer rewards card to carry well into the future. It may be a good fit for those who don't mind paying interest on a balance transfer in exchange for a robust rewards program and a $0 balance transfer fee.

The rewards program offers tempting fare for foodies who dine out (or get takeout) often plus benefits for commuters who drive a lot and travelers who want to use their card on international trips.

Introductory balance transfer APR: N/A

Introductory purchase APR: 1.99% for six months on purchases

Regular APR: 8.99% - 18.00% Variable based on creditworthiness

Annual fee: $0

Other features: Rewards program offers 3X points on dining, 2 points per $1 spent on gas and 1 point on everything else. Redeem points for cash, gift cards, merchandise and travel. No foreign transaction fee. Free access to FICO Score. Cellphone protection.

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe Navy Federal Credit Union GO REWARDS\u00ae Credit Card is a good choice for a cardholder looking for a balance transfer rewards card to carry well into the future. It may be a good fit for those who don't mind paying interest on a balance transfer in exchange for a robust rewards program and a $0 balance transfer fee.\u003C\/p\u003E\n\n\u003Cp\u003EThe rewards program offers tempting fare for foodies who dine out (or get takeout) often plus benefits for commuters who drive a lot and travelers who want to use their card on international trips.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EIntroductory balance transfer APR:\u003C\/strong\u003E N\/A\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EIntroductory purchase APR:\u003C\/strong\u003E 1.99% for six months on purchases\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003ERegular APR:\u003C\/strong\u003E 8.99% - 18.00% Variable based on creditworthiness\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EAnnual fee:\u003C\/strong\u003E $0\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EOther features:\u003C\/strong\u003E Rewards program offers 3X points on dining, 2 points per $1 spent on gas and 1 point on everything else. Redeem points for cash, gift cards, merchandise and travel. No foreign transaction fee. Free access to FICO Score. Cellphone protection.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Navy Federal Platinum Credit Card

Our thoughts

This basic, no-frills card may be a good fit for cardholders with a big balance to transfer or those who want to make a large purchase and pay it off over a few years. For consumers with excellent credit who can qualify for the best rate, the very low APR makes this card an attractive bet for affordable financing without worry about hurrying to pay off a balance during an introductory period.

Introductory balance transfer APR: 0% intro APR for 12 months on balance transfers made within 30 days of account opening

Introductory purchase APR: N/A

Regular APR: 5.99% to 18.00% variable based on creditworthiness

Annual fee: $0

Other features: Cellphone protection, collision damage waiver for rental cars, travel and emergency assistance.

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Edward Jones World Mastercard®

Our thoughts

The Edward Jones World Mastercard® may be a good selection for consumers looking for a no-annual-fee rewards card to transfer a balance from a high-interest card. The card offers a $0 intro fee for balances transferred within the first 60 days of account opening; after that, a balance transfer fee of 3% of each transferred amount ($5 minimum) will apply. This feature combined with its 0% percent introductory period for a year gives you plenty of time to get rid of old debt, while the rewards will keep you reaping the benefits of the card into the future.

Introductory balance transfer APR: 0% intro APR on balance transfers for 12 billing cycles for balances transferred in first 60 days

Introductory purchase APR: N/A

Regular APR: 12.99% variable

Annual fee: $0

Other features: 4X points on prepaid car rentals and hotels booked with the Edward Jones Travel Center and 1 point per $1 on everything else. Get cellphone protection when you pay your bill with your card. Free ShopRunner shipping benefits with 140 merchants.

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Wings Visa® Platinum Card

Our thoughts

This card may be the perfect pick for cardholders looking to pay off old debt and finance a new purchase for free. That's because the card offers balance transfers with no fee, plus a 0% introductory APR on both balance transfer and purchases. It's hard to beat this deal for those looking to cash in on what is essentially free money, provided you pay off your balance transfer and purchases before the intro period ends.

However, consumers looking for a sign-up bonus or other rewards and perks may want to look elsewhere since this is truly a no-frills card.

Introductory balance transfer APR: 0% for 12 months on balance transfers

Introductory purchase APR: 0% for 12 months on purchases

Regular APR: 8.15%-18.00% Variable

Annual fee: $0

Other features: Get collision damage waiver on rental cars when you pay with your card.

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Navy Federal nRewards® Secured Credit Card

Our thoughts

This card is an excellent first rewards card for a consumer who needs to build credit. The Navy Federal nRewards® Secured Credit Card allows you to earn rewards on all your spending as you build (or rebuild) a good credit track record. It's a secured card, so you have to pay a $200 deposit at first. But by using the card wisely you may be able to transition to an unsecured card in six months.

One word of caution: Because this card starts out as a secured card and there is no 0% introductory balance transfer APR, it may not be the best option for balance transfers. If you do decide to transfer a balance at some point, do so only if you can't find a less costly option.

Introductory balance transfer APR: N/A

Introductory purchase APR: N/A

Regular APR: 18% variable

Annual fee: $0

Other features: Earn 1X points per dollar spent on purchases. Redeem rewards for cash, gift cards, merchandise or statement credit. Cellphone and rental car coverage. Account reviewed automatically at three months to see if you're eligible for a credit limit increase beyond the amount of your deposit, and again at six months to see if you're eligible to upgrade to an unsecured card.

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThis card is an excellent first rewards card for a consumer who needs to build credit. The Navy Federal nRewards® Secured Credit Card allows you to earn rewards on all your spending as you build (or rebuild) a good credit track record. It's a secured card, so you have to pay a $200 deposit at first. But by using the card wisely you may be able to transition to an unsecured card in six months.\u003C\/p\u003E\n\n\u003Cp\u003EOne word of caution: Because this card starts out as a secured card and there is no 0% introductory balance transfer APR, it may not be the best option for balance transfers. If you do decide to transfer a balance at some point, do so only if you can't find a less costly option.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EIntroductory balance transfer APR:\u003C\/strong\u003E N\/A\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EIntroductory purchase APR:\u003C\/strong\u003E N\/A\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003ERegular APR:\u003C\/strong\u003E 18% variable\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EAnnual fee:\u003C\/strong\u003E $0\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EOther features:\u003C\/strong\u003E Earn 1X points per dollar spent on purchases. Redeem rewards for cash, gift cards, merchandise or statement credit. Cellphone and rental car coverage. Account reviewed automatically at three months to see if you're eligible for a credit limit increase beyond the amount of your deposit, and again at six months to see if you're eligible to upgrade to an unsecured card.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

SunTrust Prime Rewards Card

Our thoughts

The SunTrust Prime Rewards Card is an excellent choice for consumers with a large balance on a high-interest card who want a little more breathing room to pay off the debt. And if you were hoping to find a 0% balance transfer for 24 months, this offer might be the next best thing.

While the prime rate isn't zero, this is still a really good — and more realistic — deal for some consumers saddled with a large debt.

Note: You need to make the balance transfer within the first 60 days after opening the account to avoid a balance transfer fee and get the prime rate APR.

Introductory balance transfer APR: Introductory 3.25% variable APR for the first 36 months for all balances transferred within 60 days of account opening

Introductory purchase APR: N/A

Regular APR: 11.24% - 21.24% variable based on creditworthiness

Annual fee: $0

Other features: Get a $100 in statement credit after you spend $500 on qualifying purchases in the first three months after account opening. Earn unlimited 1% cash back on qualifying purchases. $0 foreign transaction fee.

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Other balance transfer credit cards to consider

In some cases, it may be worth considering a card with a balance transfer fee if the card is a good match for you and has enough perks to outweigh the fee. Here are a couple of our top picks for cards with 0% introductory balance transfer APRs.

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Citi® Diamond Preferred® Card

On Citibank's Secure Website

$0

13.74% - 23.74% (Variable)

Excellent/Good

  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 13.74% - 23.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 13.74% - 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

Our thoughts

The Citi® Diamond Preferred® Card offers a 0% APR with a long introductory period on both balance transfers and purchases. While there are no major issuers currently offering a 0% balance transfer for 24 months, this card comes close.

Keep in mind a Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum. So crunch the numbers to make sure the benefits and perks outweigh the fee for you.

Introductory balance transfer APR: 0% for 21 months on Balance Transfers

Introductory purchase APR: 0% for 12 months on Purchases

Regular APR: 13.74% - 23.74% (Variable) depending on creditworthiness

Annual fee: $0

Other features: Free access to your FICO Score. Purchase protection for items you buy with your card.

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-BenefitsBox\" data-component-name=\"BenefitsBox\"\u003E\n \u003Cdiv class=\"BenefitsBox--root \"\u003E\u003Cdiv class=\"BenefitsBox--inner\"\u003E\u003Cdiv class=\"BenefitsBox--content\"\u003E\u003Cdiv class=\"BenefitsBox--field-container\"\u003E\u003Cdiv class=\"BenefitsBox--field-affiliate-banner\"\u003E\u003Cdiv class=\"AffiliateBanner--root AffiliateBanner--align-left AffiliateBanner--fluid AffiliateBanner--context-credit-card-nested\"\u003E\u003Cdiv class=\"AffiliateBanner--inner\"\u003E\u003Cdiv class=\"AffiliateBanner--wrapper\"\u003E\u003Cdiv class=\"AffiliateBanner--image\"\u003E\u003Ca class=\"Link--root AffiliateBanner--image-link \" href=\"\/credit-cards\/redirect\/27?url=_best-no-fee-balance-transfer-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Citi\u00ae Diamond Preferred\u00ae Card\"\u003E\u003Cimg alt=\"Citi\u00ae Diamond Preferred\u00ae Card\" class=\"Image--root lazyload\" data-src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4673.png\"\/\u003E\u003C\/a\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateBanner--button\"\u003E\u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/27?url=_best-no-fee-balance-transfer-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateDisclaimer--root\"\u003E\u003Cspan class=\"AffiliateDisclaimer--item\"\u003EOn Citibank's Secure Website \u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--fields\"\u003E\u003Cdiv class=\"BenefitsBox--fields-bottom\"\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAnnual Fee\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E$0\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAPR\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E13.74% - 23.74% (Variable)\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\/Good\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":100,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003E0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 13.74% - 23.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.\u003C\/li\u003E\u003Cli\u003EThere is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater\u003C\/li\u003E\u003Cli\u003EGet free access to your FICO\u00ae Score online.\u003C\/li\u003E\u003Cli\u003EWith Citi Entertainment\u00ae, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.\u003C\/li\u003E\u003Cli\u003EShop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi\u00ae Identity Theft Solutions.\u003C\/li\u003E\u003Cli\u003EThe standard variable APR for Citi Flex Plan is 13.74% - 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi\u2019s discretion.\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$0\",\"apr\":\"13.74% - 23.74% (Variable)\",\"bannerDisclaimers\":[\"On Citibank's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\\\/Good\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003E0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 13.74% - 23.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.\\u003C\\\/li\\u003E\\u003Cli\\u003EThere is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater\\u003C\\\/li\\u003E\\u003Cli\\u003EGet free access to your FICO\\u00ae Score online.\\u003C\\\/li\\u003E\\u003Cli\\u003EWith Citi Entertainment\\u00ae, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.\\u003C\\\/li\\u003E\\u003Cli\\u003EShop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi\\u00ae Identity Theft Solutions.\\u003C\\\/li\\u003E\\u003Cli\\u003EThe standard variable APR for Citi Flex Plan is 13.74% - 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi\\u2019s discretion.\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":100,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4673.png\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/27?url=_best-no-fee-balance-transfer-credit-cards\",\"name\":\"Citi\\u00ae Diamond Preferred\\u00ae Card\",\"signUpBonus\":\"\",\"signUpBonusTitle\":\"Sign Up Bonus\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Citi\u00ae Diamond Preferred\u00ae Card: 18 Month Long 0% Intro APR For Balance Transfers\" href=\"https:\/\/www.valuepenguin.com\/citi-diamond-preferred-credit-card\"\u003ECiti\u00ae Diamond Preferred\u00ae Card\u003C\/a\u003E\u003C\/span\u003E offers a 0% APR with a long introductory period on both balance transfers and purchases. While there are no major issuers currently offering a 0% balance transfer for 24 months, this card comes close.\u003C\/p\u003E\n\n\u003Cp\u003EKeep in mind a Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum. So crunch the numbers to make sure the benefits and perks outweigh the fee for you.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EIntroductory balance transfer APR:\u003C\/strong\u003E 0% for 21 months on Balance Transfers\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EIntroductory purchase APR:\u003C\/strong\u003E 0% for 12 months on Purchases\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003ERegular APR:\u003C\/strong\u003E 13.74% - 23.74% (Variable) depending on creditworthiness\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EAnnual fee:\u003C\/strong\u003E $0\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EOther features:\u003C\/strong\u003E Free access to your FICO Score. Purchase protection for items you buy with your card.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Citi® Double Cash Card – 18 month BT offer

On Citibank's Secure Website

$0

13.99% – 23.99% (Variable)

Excellent/Good

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Our thoughts

The Citi® Double Cash Card – 18 month BT offer gives cardholders a little extra time to pay off a big balance. It's good for consumers who are looking for a simple cashback rewards card with a solid earnings rate that they can keep for many years to come.

The balance transfer fee is 3% of each balance transfer; $5 minimum. So you'll have to crunch the numbers on your debt to decide if the fee is worth it for you. Keep in mind that balance transfers must be made within four months of account opening.

Introductory balance transfer APR: 0% for 18 months on Balance Transfers

Introductory purchase APR: N/A

Regular APR: 13.99% – 23.99% (Variable) based on creditworthiness

Annual fee: $0

Other features: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. No categories or caps on cash back.

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Citi Flex Plan offers are made available at Citi's discretion.\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$0\",\"apr\":\"13.99% \\u2013 23.99% (Variable)\",\"bannerDisclaimers\":[\"On Citibank's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\\\/Good\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EEarn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.\\u003C\\\/li\\u003E\\u003Cli\\u003ETo earn cash back, pay at least the minimum due on time.\\u003C\\\/li\\u003E\\u003Cli\\u003EBalance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% \\u2013 23.99%, based on your creditworthiness.\\u003C\\\/li\\u003E\\u003Cli\\u003EBalance Transfers do not earn cash back.\\u003C\\\/li\\u003E\\u003Cli\\u003EIf you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.\\u003C\\\/li\\u003E\\u003Cli\\u003EThere is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.\\u003C\\\/li\\u003E\\u003Cli\\u003EThe standard variable APR for Citi Flex Plan is 13.99% \\u2013 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":100,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4595.png\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/710?url=_best-no-fee-balance-transfer-credit-cards\",\"name\":\"Citi\\u00ae Double Cash Card \\u2013 18 month BT offer\",\"signUpBonus\":\"\",\"signUpBonusTitle\":\"Sign Up Bonus\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Citi\u00ae Double Cash Card: Outstanding cashback rewards, few other benefits\" href=\"https:\/\/www.valuepenguin.com\/citi-double-cash-card\"\u003ECiti\u00ae Double Cash Card \u2013 18 month BT offer\u003C\/a\u003E\u003C\/span\u003E gives cardholders a little extra time to pay off a big balance. It's good for consumers who are looking for a simple cashback rewards card with a solid earnings rate that they can keep for many years to come.\u003C\/p\u003E\n\n\u003Cp\u003EThe balance transfer fee is 3% of each balance transfer; $5 minimum. So you'll have to crunch the numbers on your debt to decide if the fee is worth it for you. Keep in mind that balance transfers must be made within four months of account opening.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EIntroductory balance transfer APR:\u003C\/strong\u003E 0% for 18 months on Balance Transfers\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EIntroductory purchase APR:\u003C\/strong\u003E N\/A\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003ERegular APR:\u003C\/strong\u003E 13.99% \u2013 23.99% (Variable) based on creditworthiness\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EAnnual fee:\u003C\/strong\u003E $0\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EOther features:\u003C\/strong\u003E Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. No categories or caps on cash back.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Why a card with no balance transfer fee is the better deal

Considering a balance transfer? It's smart to learn how 0% APR credit cards work and why a card with no balance transfer fee may save you money over a card with a fee and a longer introductory 0% APR period.

Let's say you're transferring a balance of $5,000 and you can pay $300 a month on your debt. At the end of the one-year introductory period offered by card two, you'll still have $1,400 left to pay down, which will take almost five months more.

Here is a comparison of the balance transfer costs between two cards, one with a fee and one without:

Cost of a $5,000 balance transfer (with $300 monthly payment)

Card 1 with balance transfer fee

  • Balance transfer fee: 3%
  • Intro APR: 0% for 18 months
  • Balance after intro period: None
  • Total cost: $150 ($150 balance transfer fee + $0 interest)

Card 2 without balance transfer fee

  • Balance transfer fee: $0
  • Intro APR: 0% for 12 months
  • Balance after intro period: $1,400 with 18% APR
  • Total cost: $41 ($0 balance transfer fee + $41 interest)

Bottom line: As you can see, the $0 balance transfer fee credit card is a better deal. With that card, you save $109 over the card with a balance transfer fee and a longer introductory period.

What is a no-balance-transfer-fee credit card?

A no-balance-transfer-fee credit card is a card that doesn't charge a fee for transferring balances. Some of these cards also include a 0% introductory APR for balance transfers, making your balance transfer cost-free if you pay off your balance before the introductory period expires. Many of the cards on our best balance transfer cards list charge a balance transfer fee of 3%, which can add up if you're transferring thousands of dollars. A credit card with no balance transfer fee can save you money and allow you to pay down debt faster.

What is the best credit card with no balance transfers fee?

The best card with no balance transfer fee depends on your needs, preferences and situation. One of our top picks is the Wings Visa Platinum card. Not only does it have no balance transfer fee, it also offers a 0% introductory period on both balance transfers and purchases.

Can the balance transfer fee be waived?

It's not a common practice for credit card issuers to waive balance transfer fees, because these fees are one way some credit card companies make money from a balance transfer. Rather than trying to sweet talk a credit card issuer into waiving a balance transfer fee, your best bet is to apply for a balance transfer credit card with no fee.

Do balance transfers negatively affect your credit?

A balance transfer itself won't negatively affect your credit. But several factors associated with a balance transfer may. When you apply for a balance transfer credit card, you'll get a hard inquiry from the lender which will ding your credit. If you apply for several cards, multiple hard inquiries can compound the problem. However, using an introductory 0% balance transfer offer to pay down your debt and decrease the amount of credit you're using may actually boost your credit.

The information related to Choice Rewards World Mastercard® from First Tech FCU, Navy Federal Platinum Credit Card, Navy Federal nRewards® Secured Credit Card, SunTrust Prime Rewards Card, Wings Visa® Platinum Card, Navy Federal Credit Union GO REWARDS® Credit Card and Edward Jones World Mastercard® has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).