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No Fee Balance Transfer Business Credit Card
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By waiving balance transfer fees, you can save up to 3% in transaction fees, but your introductory APR period will be shorter.
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By switching your credit card balance from a high-interest account to a long-term 0% APR account, you can pay off your debt without accruing additional interest. However, be sure to check balance transfer fees before choosing a card to transfer that debt to. Many credit card issuers charge a fee (usually 3-5%) to accept a balance transfer to a new account. If you carry $10,000 in debt, that adds up to an additional $300-$500.
Some credit cards offer a $0 balance transfer fee to encourage cardholders to request and transfer balances. The 0% APR balance transfer offer on these cards doesn’t last as long as the best balance transfer cards that charge balance transfer fees. However, if you can’t pay off the balance in full at the end of the introductory APR period, using a card with no balance transfer fee can save you half the change.
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The Union Bank® Platinum™ Visa® Credit Card offers 0% introductory APR for 15 months on both purchases and balance transfers with a $0 balance transfer fee when you transfer within the first 60 days of account opening (3% thereafter. $10 minimum per transfer dollar). After the introductory APR period ends, you’ll have a variable APR ranging from 9.99% to 21.49%, the low end of which is very competitive with most balance transfer credit cards. And there’s no annual fee, making it a safe card where you can transfer your balance at no extra cost if you’re active.
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Wings Financial Credit Union is based in Minnesota, but you can get involved with a $5 donation to the Wings Financial Foundation. Then, you can apply for the Wings Visa Platinum Credit Card*, which has no annual fee or balance transfer and offers a 12-month 0% introductory APR on transfers and balance purchases (8.15% to 18.00% variable APR ).
First Technology Federal Credit Union is located in San Jose, California and serves technology company employees in the Pacific Northwest. Today, you can become a member if you work at one of their affiliates or become a member of the Computer History Museum ($15 for an annual membership) or the Financial Health Association ($8 for an annual membership).
The First Tech Platinum Mastercard Credit Card* also offers 12 payment cycles with a 0% introductory APR on balance transfers (6.99% to 18.00% variable APR) with no credit card balance transfer fees.
Navy Federal Credit Union is for members of the armed forces, veterans and their immediate family members. If you qualify for this card, you’ll get an introductory 0% APR for 12 months on balance transfers with a variable APR of 8.99% to 18%, excluding balance transfer fees. However, to avail this offer, you must start transferring the balance within 60 days of opening the account.
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When used properly, balance transfer credit cards work as a debt financing tool. They help you pay off high interest credit card debt quickly and cheaply.
With a balance transfer, you transfer credit from one credit card to another. The best balance transfer cards offer low or no interest for a fixed introductory period, allowing you to pay off your debt without worrying about interest accrual. This introductory APR period usually lasts between 12 and 21 months, giving you plenty of time to pay off your balance before your interest rate increases.
While some credit cards offer free transfers, most balance transfer cards charge you 3-5% of the balance transferred. Generally, the longer the 0% APR introductory period, the higher the payment and vice versa. So cards with no balance transfer fees have shorter APR introductory periods and cards with transfer fees have longer APR periods.
In our opinion, the Wings Visa Platinum and First Tech Platinum cards are two of the best credit cards with no balance transfer fees. While both offer an introductory APR, you’ll have to pay between $5 and $15 to become a member. However, this fee is small compared to standard balance transfer rates. For comparison, let’s say you carry more than $5,000 in credit card debt—a card with a 3% fee will cost you $150 to do so, while the Wings Visa Platinum and First Tech Platinum cards only require a membership fee. 20 dollars.
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That said, if you’re already a member of a credit union, it’s worth asking if it offers a balance transfer card with a 0% introductory APR and no balance transfer fee.
A credit card with no balance transfer fee allows you to transfer balances from one account to another without paying an upfront fee, usually 3-5%. The exchange has a shorter introductory APR period for balance transfers.
A credit card with no balance transfer fee and 0% APR gives you the ability to pay off high-interest credit card debt without paying a cent of interest or fees, but only if you can pay it off within a year. If you need more time, it may be better to consider a long-term no-interest or low-interest balance transfer credit card.
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