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0% Balance Transfer Offers

Written by Nickel - 11 Comments

In case you haven’t noticed, it’s getting harder and harder to find 0% balance transfer credit cards that don’t charge a transfer fee.

Here’s one 0% balance-transfer offer that does not charge a balance transfer fee: the Slate® from Chase.

Chase Slate®

With a Chase Slate® card, consumers can save with a:

  • $0 introductory balance transfer fee
  • 0% introcutory APR for 15 months on purchases and balance transfers
  • $0 annual fee

The $0 introductory balance transfer fee is for balances transferred within 60 days of account-opening. After 60 days of account-opening, the ongoing balance transfer fee is either $5 or 5% of the amount of each transfer, whichever is greater.

We will be adding more offers to our list soon, so check back with us!

Published on August 20th, 2008
Modified on July 14th, 2016 - 11 Comments
Filed under: Credit Cards

About the author: is the founder and editor-in-chief of this site. He's a thirty-something family man who has been writing about personal finance since 2005, and guess what? He's on Twitter!

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11 Responses to “0% Balance Transfer Offers”

  1. 1
    Mark Nelson Says:

    The credit card industry is working hard at taking advantage of people that carry a balance. Be careful how you use your cards.

  2. 2
    Angie Says:

    I would like to do a few of these to save some interest on current loans. I wanted to get them done while I’m not in the market for any new loans in the near future.

    But I am concerned about applying for a card and being disappointed with the credit limit. Is there any guidance on the best company or card to go with to maximize your credit limit. I would like more than $10k, but currently the max on each of my cards is around 6k.

  3. 3
    Dan Says:

    If you are a member, USAA has a 12-month 0% offer with no fees for balance transfers and convenience checks. You have to be a member though and it is limited to military or people related to members.

  4. 4
    Donna Says:

    I have not done a balance transfer with a fee yet. Is the fee included in the transfer and also charged 0% intrest? If not, how is it handled? Is it a seperate charge at full intrest that has no payment credited to it untill the full amount of the balance transfer is paid off? Do you just send a check for the fee amount? Please answer asap. Thank You!

  5. 5
    LTC - Retired Says:

    DITO with #3 Dan. Did it in July with USAA for 12 months. The real trick is to have sufficient liquidity to pay off after 12 months and then start all over.

    #4 Donna – Fee is tacked onto the balance of the transfer, i.e., $1000 transfered + $30 ( 3% fee). Be careful not to bust your credit limit on the transfer.

  6. 6
    Topwaystosave Says:

    I didn’t even know any cards transfered even with 6 months any more for no fee so that could definetly come in handy for some people.

  7. 7
    JOEY Says:

    Try Bank Of America for higher limits. I have two cards with them at this point. Every couple of months, I request a limit increase and I get it. One of my cards has a $18,000 limit and I own 4,000 on it and the other limit is $15,000 and I have a zero balance on it. I obtained both cards with an intro 0% offer for one year each. I have almost paid off all of my debt by doing this for the past three years. Next, I ‘m going to start taking the max for 0% and putting it in a 12 month CD to earn the interest. Food for thought!

  8. 8
    Yvonne Says:

    Try the ESPN Visa card also. No balance transfer fee, 0% for 6 mos.

  9. 9
    Audrey Fisch Says:

    When looking at the Advanta site it stated that “adding an Advanta card to your wallet gave 0% for 15 months”, then there were at least 3 cards that had no transaction fee – the Business World Mastercard, the Business World Mastercard with WhyWait Points and the Net90 card. Am I missing some catch?

    Also, I have an Advanta card and they have never reported my balance to the credit bureaus – whether that is standard for them or just lucky for me, I don’t know.

  10. 10
    Paul B Says:

    I just wanted to say thanks for finding these. Despite the fact that there are TONS of 0% offers, it is REALLY nice to find info with 0% balance transfers that include Zero Fees!

    Thanks again – I think this will save me about $100/month in interest!

  11. 11
    joe oliver Says:

    Try US Bank. 12 months 0% interest on balance transfers and no balance tranfer fee.

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