0% Balance Transfer Offers With No Fee (Updated!)
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. In fact, as far as I’m aware, there aren’t any fee-free, 12+ month 0% balance transfer offers left out there. There are, however, still some excellent 12 month offers available if you’re willing to pay a small fee. Here are two of my favorites:
NEW! 0% on balance |
0% on purchases and |
0% on balance |
If you’d prefer a no-fee offer, you’ll have to settle for a significantly shorter term. Here are three cards that are currently offering a six month 0% balance transfer:
- IberiaBank Visa Classic Card
- IberiaBank Visa Gold Cash Back Rewards Card
- IberiaBank Visa Platinum Rewards Card
Finally, here are some other balance transfer offers that might be of interest to you:
- Discover More Card (0% for 6 months on purchases and transfers)
- Citi mtvU Card (0% for 6 months on purchases and transfers)
- Discover Monogram Card (0% for 6 months on purchases and transfers)
- Discover Miles Card (0% for 6 months on purchases and transfers)
- Discover Motiva Card (3.99% on purchases/transfers for 6/12 months)
If you still haven’t found what you’re looking for, be sure to check out my master list of 0% credit card offers.













The credit card industry is working hard at taking advantage of people that carry a balance. Be careful how you use your cards.
Comment by Mark Nelson — Aug 20th 2008 @ 7:31 amI 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.
Comment by Angie — Aug 20th 2008 @ 8:49 amIf 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.
Comment by Dan — Aug 21st 2008 @ 9:13 amI 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!
Comment by Donna — Aug 24th 2008 @ 8:58 amDITO 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.
Comment by LTC - Retired — Aug 26th 2008 @ 3:51 pmI 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.
Comment by Topwaystosave — Sep 7th 2008 @ 1:42 amTry 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!
Comment by JOEY — Nov 7th 2008 @ 9:21 pmTry the ESPN Visa card also. No balance transfer fee, 0% for 6 mos.
Comment by Yvonne — Nov 15th 2008 @ 1:39 pmWhen 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.
Comment by Audrey Fisch — Dec 22nd 2008 @ 9:26 pmI 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!
Comment by Paul B — Jan 8th 2009 @ 3:45 pmTry US Bank. 12 months 0% interest on balance transfers and no balance tranfer fee.
Comment by joe oliver — Jan 16th 2009 @ 10:23 pm