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Credit Cards With No Balance Transfer Fee

The Best Credit Cards With No Balance Transfer Fee Reviewed

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Credit cards with no balance transfer fee.

Most of the guys are searching for the best credit card that has no Balance Transfer fee. The Best Credit Cards With No Balance Transfer Fee. That’s absolutely the right thing to do. These credit cards are definitely going to save some extra money. With so many expenses and debt burdens, who would mind getting a credit card that has zero transfer fee?

Here in this post, I will discuss the researched credit cards that save you extra income with the same features.

Credit cards are a way to build credit and improve your credit score, but they can also be an expensive way to get out of debt.

However, there are credit cards with no annual fee and no balance transfer fee that can help you get out of debt quickly.

The best credit cards with no balance transfer fee also offer a low introductory balance transfer APR for extra savings.

Here are some of the Best Credit Cards with No Balance Transfer Fee

Are you thinking about transferring your credit card balance in order to pay off your existing debt or to get a new credit card that has a lower interest rate,?

Here are some tips to help you calculate your potential savings.

A balance transfer calculator will help you estimate what your total cost would be over time, as well as how long it would take to pay off your debt or to pay off your new card.

3 Best Credit Cards with No Balance Transfer Fee.

1. Union Bank® Platinum™ Visa® Credit Card

Union Bank® Platinum™ Visa® Credit Card
Apply in Branch

UNION BANK PLATINUM VISA CREDIT CARD DETAILS

INTRODUCTORY PercentDETAILS
0%INTRODUCTORY APR†  ON PURCHASES
for 15 months after account opening.  After that, a variable APR is currently 10.74% to 22.24%.
0% INTRODUCTORY APR†  ON BALANCE TRANSFERS
for 15 months after account opening.  After that, a variable APR is currently 10.74% to 22.24%.
$0 INTRODUCTORY BALANCE TRANSFER FEE†
for transfers completed within 60 days of account opening.  After that, a 3% fee on each transfer (minimum $10).
$0 ANNUAL FEE†

Pros & Cons of Union Bank® Platinum™ Credit Card

Credit Card ProsCredit Card Cons
No membership feesNo rewards
0% intro APR on purchasesNo initial rewards bonus
0% intro APR on balance transfersForeign fee, Requires excellent credit

Additional Info Union Bank® Platinum™ Credit Card

Additional InfoPercent
Cash Advance Fee5% (min $15)
Cash Advance APR27.50% (V)
Foreign Transaction Fee3%
Smart ChipYes
Max Late Fee$37
Max Overlimit Fee$0
Max Penalty APRNone
Liability0%

 2. Navy Federal Credit Union Platinum Credit Card 

Apply in Branch

Navy Federal Credit Union Platinum Credit Card details

INTRODUCTORY PercentDETAILS
$0Annual Fee
8.24% – 18% (V)APR on Purchases
0.99% intro APR for 12 months, 8.24% – 18% (V) APR after that
Balance Transfer Fee

: $0		Balance Transfer

Pros & Cons of Navy Federal Credit Union Platinum Credit Card

Credit Card ProsCredit Card Cons
No membership feesNo rewards
0.99% intro APR on balance transfersNo initial rewards bonus
No balance transfer feeNo intro APR on purchases
No foreign feeRequires good/excellent credit

Additional Info Navy Federal Credit Union Platinum Credit Card

Additional InfoPercent
Cash Advance Fee$0.5
Cash Advance APR
10.24% – 18% (V)
Foreign Transaction Fee0%
Smart ChipYes, chip-and-PIN
Max Late Fee$20
Max Overlimit Fee
$0
Max Penalty APR18%
Grace Period25 days

3. Edward Jones Business Credit Card

Edward Jones Business Credit Card
Apply in Branch

Edward Jones Business Credit Card details

INTRODUCTORY PercentDETAILS
$0Annual Fee
Earn 15,000 bonus Loyalty Points (redeemable for $150 Edward Jones Loyalty Invest™ Deposit) when you spend $1,000 within the first 90 days of account opening.Rewards
Earn 1.5 Loyalty Points® for every eligible net $1 spent up to $40,000 and 2 Loyalty Points® on every eligible net $1 spent over $40,000 during each 12-month cycle.Rewards
Earn 4 additional Loyalty Points® for every $1 in eligible net purchases spent on prepaid car and hotel reservations made in the online Rewards Travel Center.Rewards
Redeem for rich rewards from Edward Jones Loyalty Invest™ and cashback to travel awards, gift cards, and charitable donations.Rewards
17.99% – 28.99% (V)APR on Purchases
0% intro APR for 12 months, 17.99% – 28.99% (V) APR after that
Balance Transfer Fee

: $0		Balance Transfer

Pros & Cons of Edward Jones Business Credit Card details

Credit Card ProsCredit Card Cons
No membership feesNo intro APR on purchases
0% intro APR on balance transfers
High Regular APR
No balance transfer feeRequires excellent credit
High rewards rate 

Additional Info Edward Jones Business Credit Card details

Additional InfoPercent
Cash Advance Fee4% (min $10)
Cash Advance APR28.99% (V)
Foreign Transaction Fee0%
Smart ChipYes, chip-and-PIN
Max Late Fee$39
Max Overlimit Fee$39
Max Penalty APR30.24% (V)
Grace Period24 days

How important is it to pay no balance transfer fee?

If you have a significant amount of credit card debt, the 3% balance transfer fee (or sometimes even a 5% fee) is absolutely worth paying when transferring your balance to a card that has a 0% intro APR offer, but only if you still need time to pay off a balance.

Here’s why: When you transfer your balance from a high-interest card to a 0% intro APR card, you’ll save money.

For example, if you have a $10,000 balance on a card with a 12% APR, you’ll pay $1,200 in interest over the life of the balance transfer.

With a 3% transfer fee, you’ll save $300, and with a 5% fee, you’ll save $500.

You may also like 5 Best Credit Cards For students in 2022

Conclusion

In our blog post, we discussed credit cards with no balance transfer fee.

Also, we shared some helpful credit cards that can help you build credit while staying out of debt.

These cards come with drawbacks, like not having an annual fee or no balance transfer fee

But we don’t think that this is a downside if you are in debt, and want to get out.

Keep these cards in mind if you are looking for a credit card that can help you build credit and improve your credit score.

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