Skip to content

2021’s Best Credit Cards With No Balance Transfer Fees and 0% APR

Updated Feb 04, 2021 | Published Aug 28, 20198 min read

Advertiser Disclosure

Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.

At a glance

There’s only a small selection of cards that offer 0% balance transfer APRs along with no balance transfer fees, but you can use one to transfer a balance and pay it off completely for free.

Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines.

Balance transfer credit cards offer an excellent opportunity to kick-start the debt damage control process. If you’re struggling to pay down debt, one of these cards could be the money-saving solution you’re looking for.

Balance transfer cards are available through a variety of credit card issuers, and they generally provide 0% APR periods on transferred balances for your first year or more. While the cards are usually pretty simple, their lack of interest can make it much easier to manage your credit card debt — especially when it comes to larger balances currently attached to accounts with high interest rates.

Typically, however, these cards have balance transfer fees. They’re usually smallish, but can still take a financial toll if you’re trying to transfer a big balance.

Fortunately, there are some balance transfer credit cards don’t charge balance transfer fees, making a transfer sound that much more enticing.

We’ll give you more details about these great balance transfer cards with no-fee transfers and interest-free intro periods in a moment, and you can see a quick rundown in the table below. But first…

Card Balance Transfer APR Balance Transfer Fee
Navy Federal Credit Union Platinum Card

0% for 12 months, then 5.99% - 18.00% Variable

None
First Tech Odyssey Rewards™ World Elite Mastercard®

0% for 12 billing cycles, then 6.99%–18.00% Variable

None
Choice Rewards World Mastercard®

0% for 12 billing cycles, then 8.25%–18.00% Variable

None
First Tech Platinum Rewards Mastercard®

0% for 12 billing cycles, then 7.99%–18.00% Variable

None
First Tech Platinum Mastercard®

0% for 12 billing cycles, then 6.99%–18.00% Variable

None
Wings Member Rewards Visa® Signature Card

0% for 12 months, then 14.20%–18.00% Variable

None
Wings Visa® Platinum Card

0% for 12 months, then 8.15%–18.00% Variable

None

The Best Credit Cards With No Balance Transfer Fees and 0% Balance Transfer APR Offers

There’s a relatively rich selection of credit cards that charge no balance transfer fees. But if you’d actually like to transfer a balance, you’re probably best off with a card that has both no-fee transfers and a 0% introductory balance transfer APR offer. Very few cards check both boxes, so we’ll talk first about the cards that do.

Afterward, we’ll list a few cards that charge no balance transfer fees, but don’t provide a balance transfer intro APR.

Like most balance transfer cards with intro APR offers and no balance transfers fees, there’s little else to say about Navy Federal Credit Union’s Navy Federal Credit Union Platinum Card. There are no rewards, and few fees, aside from interest charges. Its primary catch is that you only get the introductory offer if you request your balance transfer in the first 30 days.

Balance Transfer APR Balance Transfer Fee

0% for 12 months, then 5.99% - 18.00% Variable

None

Key Features

  • Eligibility: Must be an NFCU member to apply; membership eligibility includes all active duty, retired, and veteran servicemembers along with their families, and DoD civilian personnel
  • Benefits: Shopping and travel protections

First Tech Odyssey Rewards™ World Elite Mastercard®

Apply Now

securely on the issuer's website

First Tech Odyssey Rewards™ World Elite Mastercard®
Apply Now

securely on the issuer's website

  • Min. credit levelGood
  • Annual Fee$75, $0 first year
  • Regular APR6.99%–18.00% Variable

A solid card all around, the First Tech Odyssey Rewards™ World Elite Mastercard® is one of the better First Tech cards, complete with rewards and World Elite Mastercard benefits.

Balance Transfer APR Balance Transfer Fee

0% for 12 billing cycles, then 6.99%–18.00% Variable

None

Key Features

  • Eligibility: Must be a First Tech member to apply; become eligible by joining either the Financial Fitness Association ($8) or the Computer History Museum ($15)
  • Rewards: 3X points per dollar on Travel; 2X points per dollar on Dining; 1X point per dollar on all other purchases
  • Benefits: Personal concierge, ShopRunner membership, cell phone protection, car rental coverage, and more

Choice Rewards World Mastercard®

Apply Now

securely on the issuer's website

Choice Rewards World Mastercard®
Apply Now

securely on the issuer's website

  • Min. credit levelGood
  • Annual Fee$0
  • Regular APR8.25%–18.00% Variable

The Choice Rewards World Mastercard® is quite the card, offering rewards in a range of atypical categories and World Mastercard benefits for no annual fee. Its introductory balance transfer offer is great, too, running long enough to make a good dent in your debts.

Balance Transfer APR Balance Transfer Fee

0% for 12 billing cycles, then 8.25%–18.00% Variable

None

Key Features

  • Eligibility: Must be a First Tech member to apply; become eligible by joining either the Financial Fitness Association ($8) or the Computer History Museum ($15)
  • Rewards: 2X points per dollar on Groceries, Gas, Electronics, Medical purchases, Household goods, and Telecommunications purchases; 1X point per dollar on all other purchases
  • Benefits: ShopRunner membership, cell phone protection, car rental coverage, and more

First Tech Platinum Rewards Mastercard®

Apply Now

securely on the issuer's website

First Tech Platinum Rewards Mastercard®
Apply Now

securely on the issuer's website

  • Min. credit levelFair
  • Annual Fee$0
  • Regular APR7.99%–18.00% Variable

One of First Tech’s lower-end cards, the First Tech Platinum Rewards Mastercard® offers 1X point per dollar for all your purchases, along with its balance transfer offer.

Balance Transfer APR Balance Transfer Fee

0% for 12 billing cycles, then 7.99%–18.00% Variable

None

Key Features

  • Eligibility: Must be a First Tech member to apply; become eligible by joining either the Financial Fitness Association ($8) or the Computer History Museum ($15)
  • Rewards: 1X point per dollar on all purchases; 10,000 bonus points for spending $2,000 in the first 60 days
  • Benefits: Mastercard shopping and travel protections

First Tech Platinum Mastercard®

Apply Now

securely on the issuer's website

First Tech Platinum Mastercard®
Apply Now

securely on the issuer's website

  • Min. credit levelFair
  • Annual Fee$0
  • Regular APR6.99%–18.00% Variable

There’s not much to see with the First Tech Platinum Mastercard®; it’s a simple offer, but if you need an inexpensive balance transfer card this one could fit the bill.

Balance Transfer APR Balance Transfer Fee

0% for 12 billing cycles, then 6.99%–18.00% Variable

None

Key Features

  • Eligibility: Must be a First Tech member to apply; become eligible by joining either the Financial Fitness Association ($8) or the Computer History Museum ($15)
  • Benefits: Mastercard shopping and travel benefits

Wings Member Rewards Visa® Signature Card

Apply Now

securely on the issuer's website

Wings Member Rewards Visa® Signature Card
Apply Now

securely on the issuer's website

  • Min. credit levelFair
  • Annual Fee$0
  • Regular APR14.20%–18.00% Variable

The Wings Member Rewards Visa® Signature Card is a rare beast, one of very few cards to offer 2X points per dollar for every purchase you make (equivalent to 2% cash back).

Balance Transfer APR Balance Transfer Fee

0% for 12 months, then 14.20%–18.00% Variable

None

Key Features

  • Eligibility: Must be a Wings Financial Credit Union member to apply; become eligible by living in the appropriate county, or with a $5 donation
  • Rewards: 2X points per dollar on every purchase; 10,000 bonus points for spending $1,000 in the first 90 days
  • Benefits: Visa Signature benefits, no foreign transaction fee
  • Purchase APR: 0% for 12 months, then 14.20%–18.00% Variable

Wings Visa® Platinum Card

Apply Now

securely on the issuer's website

Wings Visa® Platinum Card
Apply Now

securely on the issuer's website

  • Min. credit levelFair
  • Annual Fee$0
  • Regular APR8.15%–18.00% Variable

Not quite as robust as Wings’ reward card above, the Wings Visa® Platinum Card doesn’t have too much to offer aside from its balance transfer deal.

Balance Transfer APR Balance Transfer Fee

0% for 12 months, then 8.15%–18.00% Variable

None

Key Features

  • Eligibility: Must be a Wings Financial Credit Union member to apply; become eligible by living in the appropriate county, or with a $5 donation
  • Benefits: Visa Platinum benefits, no foreign transaction fee
  • Purchase APR: 0% for 12 months, then 8.15%–18.00% Variable

Cards With No Balance Transfer Fees, But No Intro APR Offer

Cards that offer no-fee balance transfers, but don’t provide 0% APR offers, aren’t usually going to be the best choices if you’d like to transfer a balance. Nevertheless, we’ve compiled several cards that offer this perk below.

It’s also worth noting that you may be more likely to find a credit card with no balance transfer fees at your local (or an online) credit union. These cards may not offer the same perks as big-name picks, but credit unions are governed by strict laws that usually lead to a lower regular APR, and this could still help you save some cash over time. Just remember that most credit unions have specific membership requirements you’ll have to meet if you want one of their cards. We’ve included a few credit union cards below for good measure.

Insider tip

Most Capital One cards feature no balance transfer fees unless you’re transferring a balance to a card with a promotional APR offer. So if you find a Capital One card with a 0% balance transfer APR, you’ll likely pay a balance transfer fee, while you probably won’t if you opt to transfer to a card with a standard balance transfer APR.

For Consumers

Apply Now

securely on the issuer's website

Capital One VentureOne Rewards Credit Card
Apply Now

securely on the issuer's website

  • Min. credit levelGood
  • Annual Fee$0
  • Regular APR15.49% - 25.49% Variable

The information related to Capital One VentureOne Rewards Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Capital One Venture Rewards Credit Card
  • Min. credit levelGood
  • Annual Fee$95
  • Regular APR17.24% - 24.49% Variable
Apply Now

securely on the issuer's website

Capital One Savor Cash Rewards Credit Card
Apply Now

securely on the issuer's website

  • Min. credit levelGood
  • Annual Fee$95
  • Regular APR15.99% - 24.99% Variable

The information related to Capital One Savor Cash Rewards Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Apply Now

securely on the issuer's website

Capital One QuicksilverOne Cash Rewards Credit Card
Apply Now

securely on the issuer's website

  • Min. credit levelFair
  • Annual Fee$39
  • Regular APR26.99% Variable
Apply Now

securely on the issuer's website

Prime Platinum Visa
Apply Now

securely on the issuer's website

  • Min. credit levelFair
  • Annual Fee$0
  • Regular APRAs low as 8.5% Variable
Apply Now

securely on the issuer's website

NFCU Visa Signature® Flagship Rewards
Apply Now

securely on the issuer's website

  • Min. credit levelFair
  • Annual Fee$49
  • Regular APR9.99%–18.00% Variable

For Businesses

Apply Now

securely on the issuer's website

Capital One Spark Classic for Business
Apply Now

securely on the issuer's website

  • Min. credit levelFair
  • Annual Fee$0
  • Regular APR24.49% Variable

The information related to Capital One Spark Classic for Business has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Apply Now

securely on the issuer's website

Capital One Spark Cash Select - $500 Cash Bonus
Apply Now

securely on the issuer's website

  • Min. credit levelGood
  • Annual Fee$0
  • Regular APR13.24% - 19.24% (Variable)

The information related to Capital One Spark Cash Select - $500 Cash Bonus has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Apply Now

securely on the issuer's website

Capital One Spark Cash for Business
Apply Now

securely on the issuer's website

  • Min. credit levelExcellent
  • Annual Fee$0 intro for first year; $95 after that
  • Regular APR20.99% (Variable)

The information related to Capital One Spark Cash for Business has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Apply Now

securely on the issuer's website

Capital One Spark Miles Select for Business
Apply Now

securely on the issuer's website

  • Min. credit levelGood
  • Annual Fee$0
  • Regular APR14.49% - 22.49% Variable

The information related to Capital One Spark Miles Select for Business has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Apply Now

securely on the issuer's website

Capital One Spark Miles for Business
Apply Now

securely on the issuer's website

  • Min. credit levelGood
  • Annual Fee$0 intro for first year; $95 after that
  • Regular APR20.99% (Variable)

The information related to Capital One Spark Miles for Business has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

What Is a Balance Transfer Fee?

If you’ve never actually conducted a balance transfer, you may not know how the process unfolds.

Transferring a balance is pretty easy. In most cases, you simply fill out an online form found on your credit card’s account management portal with information concerning the balance you’d like to transfer, and then you’ll have to wait a bit before your transfer request is approved or denied. Occasionally, there will be a limit on how large a balance you can transfer, though this will often just be the card’s credit limit.

Balance transfers will often require you to pay a fee. 

Most balance transfer fees range from 3%–5%, and there’s nearly always a minimum fee of at least $5.

Because balance transfer fees are charged as a percentage, they can grow quite large if you’re looking to transfer a bigger balance.

Imagine you’re trying to transfer a $2,000 balance, for example. With a 5% fee, you’d be charged $100, and that’s quite a bit.

The card’s 0% introductory APR would likely help you offset that and then some with saved interest, but still — if you don’t have to pay it, why would you?

That’s exactly what makes the credit card offers we’ve compiled below so appealing.

Aside from fees, there are several other points worth considering if you’re planning to transfer a balance in the near future, including:

  • A limited time: You’ll generally have a limited time, usually around 60 days, to transfer a balance to a card with no fees and at a 0% interest rate.
  • A large enough credit limit: You’ll want a card with a credit limit large enough to accommodate your full balance, though your ability to get a high credit limit is mostly dependent on your creditworthiness and income.
  • Minimum payments: You’ll still have to pay at least your minimum monthly payment by the due date to avoid late fees, even if your balance transfer card has a 0% introductory offer.
  • Hard inquiries: Applying for a new credit card will nearly always result in a hard credit inquiry, which may impact your credit scores slightly and temporarily. Fortunately, it should be a small sacrifice for the opportunity to take care of your debt. Plus, the additional available credit provided by your new card should contribute positively to your credit utilization ratio, potentially helping to offset the effect of the inquiry on your credit scores.
  • Different lenders: Regular balance transfers must be conducted between cards issued by two different credit card companies, or between a credit card company and another lender; you won’t be able to transfer a balance between two cards from the same issuer.
Insider tip

In addition to the typical card-to-card balance transfer, there are also bank balance transfers, which work a bit differently. You request a transfer with the issuer of your balance transfer card, but instead of paying off the balance of another card, the issuer sends money directly to your bank account. Then, that amount becomes your transfer card’s balance, which you’ll have to pay off as usual.

Pay Less Interest With Balance Transfers

Credit cards with no balance transfer fees and intro APR offers are among the best ways to pay off an outstanding credit card balance. But if you’re looking for a new credit card with a longer introductory period than is offered by any of the above options, you might find the perfect match among our favorite balance transfer credit cards.

Top picks include the Citi® Diamond Preferred® Card (Review), which boasts an introductory APR period of 18 months, and the Wells Fargo Platinum card (Learn More) (Review), with an intro period that lasts 18 months on qualifying balance transfers.

After all, with a strong intro period, your long-term savings on interest will often offset any balance transfer fee with ease.

Read more How Long Does a Balance Transfer Take?

Frequently Asked Questions

How do you avoid balance transfer fees?

Most credit cards with 0% introductory balance transfer APR offers will charge you a balance transfer fee. But not all of them.

Some issuers choose to provide fee-free balance transfer offers to further entice customers. As of 2021, these options are currently few and far between due to the current economic situation, but several prominent cards offered this money-saving feature before the pandemic hit.

So, if you’re hoping to avoid paying a fee to transfer a balance, you have to look for a card with no balance transfer fee. You may even want to ask your local credit union if it offers such a card, as most that currently feature fee-free balance transfer offers are only available through these types of institutions.

What’s the best no-fee balance transfer credit card?

There are currently very few no-fee balance transfer cards; the Navy Federal Credit Union Platinum Card (Review) is our pick for the best. Its introductory balance transfer APR — 0% for 12 months, then 5.99% - 18.00% Variable — isn’t the best we’ve seen, but most better offers have since been indefinitely withdrawn.

You have to be a member of the Navy Federal Credit Union in order to get the card, which is its biggest obstacle. The NFCU is geared for members of the armed forces, but you can join if you have an immediate family member who’s a member of the credit union, even if you’re not.

Why should you get a balance transfer?

The main benefit of balance transfers is that they can help you save money by transferring a high-interest debt to a lower-interest account.

The best balance transfer credit cards feature 0% introductory balance transfer APR offers that often give you a year or more to knock out the debt in question without accumulating interest.

Depending on the size of the debt, that could amount to hundreds of dollars in savings.

Who qualifies for a balance transfer?

It depends on the card — some balance transfer cards may require good credit, while, for others, fair credit will suffice.

Even if you know what kind of credit scores the issuer is looking for, there’s no guarantee that you’ll be approved or denied. Other factors, like your income, are also considered, and may impact the issuer’s decision.

Looking to avoid interest on purchases too? You’ll find several credit cards — including some of our favorite cards overall — that provide 0% introductory purchase APR offers.

Was this helpful?
Written by

Sean Messier

Sean Messier works to empower individuals with the knowledge required to use credit cards responsibly and to their advantage. His writing- and research-based background has granted him experience in an array of topics, from finance to business and beyond. Sean distills the knowledge accumulated over years of experience in the credit space into consistent, actionable articles, guides, and reviews.

Do you have a correction, tip, or suggestion for a new post? Contact us here.

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

Scroll to top