Top 5 Zero-Fee Balance Transfer Credit Cards for Smart Borrowers

Discover the top five credit cards offering zero balance transfer fees with long introductory 0% APR periods. These options help you save on transfer costs while providing rewards and flexible terms. Choose wisely by comparing post-introductory APRs, fees, and rewards to make informed financial decisions and improve your credit health.

Finding the right credit card can be challenging, especially with numerous offers and transfer fees that eat into your budget. To avoid high costs, opt for cards offering 0% APR on balance transfers with no associated fees. These cards not only help you save money but also provide attractive rewards and flexible terms. It’s essential to review each card’s introductory period and long-term APR to make an informed decision. Picking a card with minimal fees and good perks can significantly benefit your financial health.

Amex Everyday® Credit Card
Issued by American Express, this card features one of the longest 0% intro periods on balance transfers, lasting 15 months, plus rewards on your spending.

Additionally, it offers a 0% rate during the introductory period for 15 months on transfers and purchases.

Edward Jones World MasterCard®
From Edward Jones, this card provides a 0% APR for 12 months with no fees on balance transfers. Note that these offers are valid only until the end of 2018, so quick action is recommended if interested.

CHOICE REWARDS® World Elite® MasterCard®
Offered through First Tech Federal Credit Union, this card allows applications without union membership. It features a 0% APR for 12 months and no transfer fees within the first 90 days of opening an account.

La Capitol Prime Plus Visa and Rewards Visa cards are available to members nationwide, offering a year-long 0% rate and no transfer fees during the first 90 days after account activation.

Premier Privileges Rewards Mastercard®
This student-focused card provides a 0% introductory rate for six months on balance transfers. Afterward, the variable APR rises to approximately 11.5%.

When selecting a 0% APR transfer card, compare the ongoing APRs and fees post-introductory period. Pay attention to rewards options and cashback features to maximize benefits and make a financially sound choice.