Comments on: 0% Balance Transfer Offers With No Fee (Updated!)

By: joe oliver

joe oliver — Sat, 17 Jan 2009 03:23:29 +0000

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

By: Paul B

Paul B — Thu, 08 Jan 2009 20:45:32 +0000

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!

By: Audrey Fisch

Audrey Fisch — Tue, 23 Dec 2008 02:26:35 +0000

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.

By: Yvonne

Yvonne — Sat, 15 Nov 2008 18:39:05 +0000

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

By: JOEY

JOEY — Sat, 08 Nov 2008 02:21:36 +0000

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!

By: Topwaystosave

Topwaystosave — Sun, 07 Sep 2008 05:42:29 +0000

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.

By: LTC - Retired

LTC - Retired — Tue, 26 Aug 2008 19:51:52 +0000

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.

By: Donna

Donna — Sun, 24 Aug 2008 12:58:14 +0000

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!

By: Dan

Dan — Thu, 21 Aug 2008 13:13:42 +0000

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.

By: Angie

Angie — Wed, 20 Aug 2008 12:49:25 +0000

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.

By: Mark Nelson

Mark Nelson — Wed, 20 Aug 2008 11:31:28 +0000

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