0% Balance Transfer Offers
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 which offers 0% introductory APR for 15 months on balance transfers and purchases and $0 introductory balance transfer fee when you transfer a balance during the first 60 days your account is open. Here are some other balance transfer credit cards to consider:
We will be adding more offers to our list soon, so check back with us!
Disclaimer: Discover is a paid advertiser of this site.
Reasonable efforts are made to maintain accurate information. See the Discover online credit card application for full terms and conditions on offers and rewards.
Modified on January 6th, 2013 - 11 Comments
Filed under: Credit Cards
About the author: Nickel 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”
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The new Discover it card is out to change the way people think about credit cards. No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And Discover won't increase your APR for paying late.*
The new Discover it card is out to change the way people think about credit cards. No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And Discover won't increase your APR for paying late.*
The new Discover it card is out to change the way people think about credit cards. No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And Discover won't increase your APR for paying late.*
The new Discover it card is out to change the way people think about credit cards. No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And Discover won't increase your APR for paying late.*
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August 20th, 2008 at 7:31 am
The credit card industry is working hard at taking advantage of people that carry a balance. Be careful how you use your cards.
August 20th, 2008 at 8:49 am
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.
August 21st, 2008 at 9:13 am
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.
August 24th, 2008 at 8:58 am
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!
August 26th, 2008 at 3:51 pm
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.
September 7th, 2008 at 1:42 am
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.
November 7th, 2008 at 9:21 pm
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!
November 15th, 2008 at 1:39 pm
Try the ESPN Visa card also. No balance transfer fee, 0% for 6 mos.
December 22nd, 2008 at 9:26 pm
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.
January 8th, 2009 at 3:45 pm
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!
January 16th, 2009 at 10:23 pm
Try US Bank. 12 months 0% interest on balance transfers and no balance tranfer fee.