Best No Fee 0% Balance Transfer Credit Cards


Whether you need to save interest on your existing balances or you’d like an interest-free loan, many credit cards offer 0% APR balance transfers for an initial period of up to 21 months. I’ve looked at hundreds of cards online, scoured the “Terms & Conditions” fine print, and the listed ones below are the best that I’ve found with the longest 0% APR periods and the lowest fees.

It’s been harder to avoid all fees these days, but they can still be found. Also remember that stretched across a longer time period, the overall effective APR can still be very low even with a small fee. I’ve tried to include a variety of card issuers as that allows you to spread your balance across multiple cards if needed. Updated as of April 2018.

Best Balance Transfer Credit Cards – April 2018

Slate from Chase Card Art 1) Chase Slate® – 0% Introductory APR on both balance transfers and purchases for 15 months. No balance transfer fee for the first 60 days of opening the account. Once the intro rate has expired, a variable APR of 16.24% – 24.99% applies. Cardholders will also receive a free FICO score updated monthly. No annual fee.

CitiSimplicityCard (1)2) Citi Simplicity® Card – 0% Introductory APR on both balance transfers and purchases for 18 months. There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater. From our partner Citi, this is an exceptionally long 0% intro terms of 18 months.  The added balance transfer time can save hundreds of dollars in interest if you aren’t able to take advantage of the fee free options and pay the full balances off in time. Additional unique features on this card include no over-limit fees or late payment fees.  The Citi Simplicity Card has no annual fee.

alliantcc3) Alliant Credit Union Visa Platinum Card – 0% Introductory APR on both balance transfers and purchases for 12 months. No balance transfer fees. After that, a variable rate applies ranging from 9.74%-21.74% APR. A small catch is that you must be an Alliant CU member to obtain this card, but membership is open to anyone who makes a one-time $10 donation to Foster Care to Success. You can also receive card approval first before joining. No annual fee.

Discover it Balance Transfer4) Discover it® 18 Month Balance Transfer Offer – 0% APR on balance transfers for 18 months. Balance transfer fee is 3%.  The Discover it 18 Month Balance Transfer Offer also includes a robust rewards program, that offers 5% cash back on rotating categories throughout the year (like gas, groceries and restaurants) and 1% cash back on all other purchases.  As an added bonus, for the first year, all new cardholders will receive double cashback through their Cashback Match program.  There is no annual fee, over-limit fees or late payment fees associated with the Discover it 18 Month Balance Transfer Offer and all cardmembers also receive their free FICO credit score.

ejworld 5) Edward Jones Mastercard® – 0% Introductory APR on balance transfers for the first 12 billing cycles. No balance transfer fee on balances transferred within 60 days of opening your account. A catch is that you must be an Edward Jones client and thus talk to an Edward Jones advisor first to get this card. Watch out for high fees and hidden commissions in their investment management services. This hassle may be offset by the offer of a $100 Loyalty Invest™ Deposit after you spend $500 on your card within 90 days of opening your account. No annual fee.

“Disclaimer: This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program.”


  1. Your Alliant link is broken; it goes to Barclaycard.

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