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No Balance Transfer Fee Credit Cards
Getting a credit card with no fee for balance transfers used to be much more common; now it is rare to find a credit card that offers a balance transfer with no fee. And if you find one, it won't be the best balance transfer credit card. That's why it is sometimes better to set your choice on a card with a fee but with a longer 0% interest introductory period and maybe rewards. But if you don't want to pay for a balance transfer, you should consider no balance transfer fee credit cards. Compare the offers below and make your decision.
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No Balance Transfer Fee Card: Pros & Cons
Balance transfer credit cards with no fee involved are hard to come by, and may not even be worth the hunt. When you are looking to transfer a balance and save money by paying off your debt at a 0% APR, you will still save even if you pay a small fee to transfer the balance.
If you transfer a balance of $10,000 and pay a 3% balance transfer fee, you will pay $300 for the transfer. However, if you were paying a high APR on that balance it could cost you hundreds of dollars per year in interest. So by paying that $300 fee up front and then getting a 0% APR introductory rate, you are still saving money and will be able to pay off your debt faster.
If you find a balance transfer offer with no fee then you should grab it, because it is a rare to find. But keep in mind that credit card issuers who charge a fee often give rewards and longer promotional periods that make the fee worth paying.
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