Best 5 Credit Card Zero Interest Balance Transfer No Transfer Fee

Transferring your high-interest debt to a credit card with a 0% introductory rate and no transfer fee can be a smart move to save a substantial amount in interest payments. The credit card zero interest balance transfer no transfer fee offer provides a great opportunity to reduce your financial burden and make progress in paying off your debt.

The ideal balance transfer cards have no annual fees and offer an 18-month or longer 0% introductory period on transfers. Alternatively, some cards provide a 0% period of at least 15 months for transfers and excellent long-term rewards for added value. So, keep reading and find the full list of our recommendations below!

Best 5 Credit Card Zero Interest Balance Transfer No Transfer Fee

Below are some of our recommendations for the best credit card zero interest balance transfer with no transfer fee. Check these out! 

1. Discover it Balance Transfer

The Discover it Balance Transfer is one of the top balance transfer credit cards available. It offers a generous 0% introductory APR for balance transfers for 18 months (followed by a variable APR of 17.24 percent to 28.24 percent). 

Card Details:

  • Unlimited Cashback Match: Discover automatically matches all your cash back earned in the first year with no minimum or maximum limits. Turn $150 cash back into $300!
  • Receive a 5% cash back on rotating everyday purchases like Amazon, grocery stores, restaurants, and gas stations of up to the quarterly maximum when activated. Additionally, enjoy an unlimited 1% cash back on every other purchase without limitations.
  • Enhance online privacy with Discover’s assistance in removing your personal information from select people-search sites, helping protect your data. It’s free and can be activated through the mobile app.
  • Redeem every $1 in cash back earned.
  • No annual fee.

2. Wells Fargo Reflect Card

Wells Fargo Reflect Card is an excellent choice among balance transfer credit cards in the market. It boasts one of the longest introductory APR periods. Additionally, it offers a respectable go-to APR and provides reliable cell phone protection against damage or theft, though subject to a deductible.

Card Details:

  • Experience a 0% introductory APR for 21 months from the moment you open your account, applicable to purchases and qualifying balance transfers.  Afterward, the variable APR will be 18.24%, 24.74%, or 29.99%.
  • Transfers of balances completed within 120 days are eligible for the introductory rate. There is a balance transfer fee of 5%, with a minimum of $5.
  • No annual fee for card ownership.
  • Take advantage of receiving cell phone protection worth up to $600 for damages or theft when you use your eligible Wells Fargo card to pay your monthly cell phone bill (with a $25 deductible).
  • Access personalized deals from various merchants through My Wells Fargo Deals to earn cash back. This applies as an account credit when using an eligible Wells Fargo credit card for shopping, dining, or experiences.

3. Citi Double Cash Card

Citi Double Cash is a convenient cash-back credit card that offers enticing rewards. The rewards include credit card zero interest balance transfer no transfer fee. Its main attractions are its consistent rewards rate. It surpasses many similar cards and has a generous introductory APR offer for balance transfers.

Card Details:

  • Earn 2% cash back on every purchase and an extra 1% cash back as you pay for those purchases.
  • To get cash back, pay a purchase at least the minimum due on time.
  • Special Balance Transfer Offer: Enjoy a 0% introductory APR on Balance Transfers for 18 months. Afterward, based on your creditworthiness, the variable APR will range from 19.24% to 29.24%.
  • Note that Balance Transfers do not qualify for cash back, and the introductory APR doesn’t apply to purchases.
  • If you perform a balance transfer, interest will be charged on your purchases unless you pay the entire balance (including balance transfers) by each month’s due date.
  • During the initial four months after opening your account, a 3% fee is applied to each balance transfer, with a minimum of $5.

4. Wells Fargo Active Cash Card

The Wells Fargo Active Cash Card isn’t only an excellent flat-rate cash rewards card and one of the best overall cash rewards credit cards. While 2% cash-back cards exist, it offers rewards with no limitations. It makes it a leader among Wells Fargo’s credit card offerings.

Card Details:

  • Get a $200 cash reward bonus after spending $500 on purchases within the first 3 months.
  • Earn an unlimited 2% cash reward on all purchases.
  • Take advantage of a 0% introductory APR lasting for 15 months on both purchases and eligible balance transfers. Subsequently, the variable APR will be 20.24%, 25.24%, or 29.99%. For balance transfers made within 120 days, there’s an introductory fee of 3%, followed by a BT fee of up to 5% (minimum $5).
  • Pay no annual fee.
  • There are no specific categories to track, and your cash rewards won’t expire as long as your account remains open.
  • Enjoy exclusive benefits at select prestigious hotel properties with Visa Signature Concierge.
  • Earn up to $600 in smartphone protection against damage or theft if you pay your monthly smartphone bill using the eligible Wells Fargo card (subject to a $25 deductible).

5. BankAmericard Credit Card

This card’s extended introductory APR period offers an opportunity to tackle debt and potentially save a significant amount on interest charges. However, if you anticipate clearing your debt within 15 months or less, better alternatives might be available that provide greater long-term benefits.

Card Details:

  • Take advantage of a 0% introductory APR for 21 billing cycles on both purchases and balance transfers made within the initial 60 days. After the intro period, a Variable APR of 16.24% – 26.24% applies, along with a 3% balance transfer fee.
  • Pay no annual fee.
  • No penalty APR; your interest rate won’t automatically increase for late payments. Additional account pricing and terms are applicable.
  • Get your FICO Score for free through online or mobile banking apps.
  • Enjoy the security of a chip card and the convenience of contactless payments with Contactless Cards.

Try Credit Card Zero Interest Balance Transfer No Transfer Fee Now!

In conclusion, these top 5 credit cards zero interest balance transfer no transfer fee provide valuable opportunities for savvy consumers who seek to manage their debts effectively. With generous introductory periods and favorable terms, these cards allow you to save on interest and work towards becoming debt-free.

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