Welcome to our article on credit cards with 0 balance transfer and no fees! Credit cards can be a great way to manage your finances and build credit, but the fees and high interest rates often associated with them can be a turn off for many people. Fortunately, there are options available for those looking to transfer their existing credit card balances without paying additional fees or interest. These credit cards can save you money in the long run and help you pay down your debt faster. So, let’s explore 0 balance transfer credit cards with no fees and see if they are the right choice for you.
Top 10 Credit Cards with 0 Balance Transfer and No Fees
1. Anz Platinum Credit Card
The Anz Platinum Credit Card is a top-rated card on the market that offers 0% balance transfer for 18 months and no annual fees. However, keep in mind that there is a balance transfer fee of 1.5% that applies to the amount transferred. This card also offers a range of rewards and insurance covers, making it the perfect card for those looking to make significant purchases in the short term.
2. NAB Low Rate Credit Card
The NAB Low Rate Credit Card is an excellent choice for those who want to transfer their balances without paying any balance transfer fees. The card offers 0% balance transfer for 20 months and no annual fees. This card also has one of the lowest interest rates on the market, making it ideal for those who want to save money on interest charges.
3. HSBC Platinum Credit Card
The HSBC Platinum Credit Card is another popular option for consumers who need to transfer high balances. This card offers 0% balance transfer for 22 months and no annual fees. The balance transfer fee of 1% is much lower than what other cards offer, making this card an excellent choice for those paying off huge debts.
4. St.George Vertigo Platinum Credit Card
The St.George Vertigo Platinum Credit Card is one of the best balance transfer credit cards if you want to avoid balance transfer fees. This card offers 0% balance transfer for 20 months and no annual fees. The card comes with other great features such as a low-interest rate, travel insurance, and rewards points that can be redeemed for flights, merchandise, and other exciting products.
5. NAB Qantas Rewards Premium Credit Card
The NAB Qantas Rewards Premium Credit Card gives cardholders the opportunity to combine rewards with low-interest rates and no balance transfer fees. This card offers 0% balance transfer for six months on balances that come from non-NAB credit cards. It also provides users with a range of Qantas benefits, such as frequent flyer points, travel insurance, and concierge services.
6. Bank of Melbourne Vertigo Platinum Credit Card
The Bank of Melbourne Vertigo Platinum Credit Card is a low-cost card that offers customers 0% balance transfer for 18 months and zero annual fees. Customers can also take advantage of the card’s low-interest rate, which can be as low as 13.74% p.a. This card also offers a range of perks such as insurance covers and rewards programs suitable for frequent travelers.
7. Citi Rewards Credit Card
The Citi Rewards Credit Card is a popular card that offers a range of benefits such as bonus reward points, balance transfer offer, and no annual fees. This card provides users with 0% balance transfer for 15 months, and a minimal balance transfer fee of 1.5%. The card comes with a considerable reward program that includes shopping vouchers, merchandise, travel, and even a cash payment option.
8. Westpac Low Rate Credit Card
The Westpac Low Rate Credit Card is a reliable card for those looking for an extended low-interest period and zero balance transfer fees. This card offers 0% balance transfer for 20 months on non-Westpac balances and zero annual fees. However, keep in mind that a balance transfer fee of 1% applies. The card also has a low-interest rate that is perfect for those looking to save money on interest payments.
9. ANZ Low Rate Credit Card
The ANZ Low Rate Credit Card has a low-interest rate and a 0% balance transfer offer for 15 months with no annual fees. This card allows you to use your card to purchase things within a certain period without paying interest and also comes with a range of features such as fraud protection and travel insurance.
10. Virgin Money No Annual Fee Credit Card
The Virgin Money No Annual Fee Credit Card is another great option for those looking for a balance transfer card without annual fees. This card offers 0% balance transfer for 12 months, and no annual fees, making it ideal for those looking to transfer small balances. It also comes with an attractive offer of 1% cashback on all purchases made in the first three months from card issuance.
In conclusion, 0 balance transfer and no fees credit cards are beneficial as they help consumers manage their debts and save money on interest and unnecessary fees. Consider reviewing the pros and cons of each card and choose one that best suits your financial situation.
Top 10 Best Credit Cards with 0 Balance Transfer and No Fees
If you’re looking for credit cards with 0 balance transfer and no fees then you’ve come to the right place. Here are the top ten best credit cards for those looking for a balance transfer and zero fees:
1. Citi Simplicity Card – This card offers zero annual fee, zero late fees and zero penalty rate. With this card, one can transfer their balance and enjoy a 0% intro APR on balance transfers for 21 months.
2. Discover it Balance Transfer Card – With this credit card, you can transfer your balance and enjoy a 0% intro APR on balance transfers for 18 months. Plus, there is no annual fee and they will not charge late fees for the first late payment.
3. Chase Slate Card – This credit card offers zero transfer fees and you can enjoy a 0% intro APR on balance transfers and purchases for 15 months. You can also receive free monthly credit score reports and fraud protection.
4. Amex EveryDay Credit Card – This credit card offers a 0% intro APR on balance transfers and purchases for 15 months. You can also earn rewards on purchases, with no annual fee.
5. BankAmericard Credit Card – This card offers a 0% intro APR on balance transfers for 18 billing cycles and comes with zero balance transfer fee, no annual fee and $0 liability guarantee for unauthorized purchases.
6. HSBC Gold Mastercard – This card offers a 0% intro APR on balance transfers and purchases for 18 months, after which a variable APR of 12.99 – 22.99% will apply. They also offer no annual fee and no foreign transaction fees.
7. Wells Fargo Platinum Card – This card offers zero balance transfer fees and a 0% intro APR on balance transfers and purchases for 18 months. After that, the variable APR ranges from 16.49 – 24.49%. Additionally, there is no annual fee.
8. Capital One Quicksilver Card – This card offers a 0% intro APR on balance transfers and purchases for 15 months. Additionally, there is no annual fee and you can earn unlimited 1.5% cashback on every purchase.
9. US Bank Visa Platinum Card – This card offers a 0% intro APR on balance transfers and purchases for 20 billing cycles, which is one of the longest intro periods of any card on our list. There is also no annual fee and zero fraud liability.
10. SunTrust Prime Rewards Credit Card – This card offers no balance transfer fees and a 0% intro APR on balance transfers and purchases for 15 months. Additionally, you can earn up to 3% cashback on everyday purchases with no annual fee.
Finding the right balance transfer credit card is not easy, but with our list of the top ten best credit cards with 0 balance transfer and no fees, you can be sure to find one that suits your needs. Be sure to do your research, compare multiple offers and choose a card that aligns with your financial goals.
Zero Balance Transfer Fee Credit Cards
One of the most frustrating things about opening a new credit card is the fees that come along with it. Fortunately, there are some credit cards that offer a balance transfer with 0% interest and no balance transfer fees. Here are five of the best:
|18 months 0% APR on balance transfers
|Chase Freedom Unlimited
|15 months 0% APR on balance transfers
|Citi Diamond Preferred
|21 months 0% APR on balance transfers
|15 months 0% APR on balance transfers
|18 months 0% APR on balance transfers
1. Discover it
The Discover it card is highly recommended for anyone looking for a credit card with no balance transfer fees. Not only does it offer 18 months of 0% interest, but there are also no annual fees. The Discover it card also gives you cashback rewards on all purchases, so it can be a great card to use long after the balance transfer period has ended.
2. Chase Freedom Unlimited
The Chase Freedom Unlimited card offers new customers 15 months of 0% interest on balance transfers. They also don’t charge an annual fee and provide customers with cashback rewards on all of their purchases. Additionally, if you spend at least $500 within the first three months of opening the card, you can receive a $150 cashback bonus.
3. Citi Diamond Preferred
The Citi Diamond Preferred card has the longest balance transfer offer on this list, giving new customers 21 months of 0% interest. There are also no annual fees associated with this card. While it doesn’t offer cashback rewards, it does provide other benefits like travel accident insurance and concierge services.
4. Barclaycard Ring
The Barclaycard Ring is another credit card that offers a 0% balance transfer for 15 months without any transfer fees. Additionally, cardholders can earn cashback rewards on their purchases. One of the unique features of this card is its community forum, which allows users to share tips and advice for managing finances.
The BankAmericard offers new customers 18 months of 0% interest on balance transfers. They don’t charge an annual fee, and they even offer a $0 liability guarantee for fraudulent purchases. While this card doesn’t offer any cashback rewards, it can be a good option for someone looking for a simple, no-frills credit card.
Overall, these five credit cards are excellent options for people looking for a 0 balance transfer fee credit card. Before applying, make sure to compare the offers and benefits of each card to determine which one is the best fit for you and your financial goals.
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Pros of Credit Cards with 0 Balance Transfer and No Fees
1. Save Money on Interest Charges: One of the most significant advantages of applying for a credit card with a 0 balance transfer and no fees is that it can help you save a considerable amount of money on interest charges. By transferring your balance to a new card, you can enjoy a lower interest rate for a promotional period, typically ranging anywhere from 6 to 18 months.
2. Consolidation of Debts: If you have multiple credit card debts, you can consolidate them into one payment by transferring all outstanding balances to the new card. Not only is it convenient to have only one payment to make each month, but the lower interest rate can also help you pay off your debts faster.
3. No Balance Transfer Fee: One of the best things about credit cards with 0 balance transfer and no fees is that you won’t have to pay any fees for transferring your balances. Typically, credit card companies charge around 3% of the total balance as a fee, which can be quite significant, especially if you have a large balance.
4. Rewards Programs: Many credit cards with 0 balance transfer and no fees come with rewards programs that you can take advantage of. These reward programs can offer cash-back, travel points, or miles that you can redeem for various benefits.
5. Flexibility: Credit cards with 0 balance transfer and no fees offer flexibility in managing your finances. Not only do they provide an opportunity to transfer balances to save money on interest, but they also offer other features such as cash advances and balance transfers to checking accounts.
6. Lower Monthly Payments: With a lower interest rate, your monthly payment on the new credit card will also be lower, which means you’ll have more money available to pay other bills or save.
7. Improved Credit Score: If you use a credit card with a 0 balance transfer and no fees wisely and make payments on time, it can help improve your credit score. A good credit score can help you qualify for lower interest rates in the future.
8. No Annual Fees: Most credit cards with 0 balance transfer and no fees also come with no annual fees, which means you can enjoy all the benefits without having to pay extra for the privilege.
9. Lengthen Your Time to Pay Off Debt: A balance transfer credit card can give you more time to pay off your debts before the promotional period ends. With no interest charges during this time, you can make larger payments and get your balances paid down faster.
10. Convenience: Finally, credit cards with 0 balance transfer and no fees offer a convenient solution for managing your debts. You can easily transfer balances online, track your spending, and monitor your payments, all from the comfort of your home.
Wrapping It Up
We hope you found this article helpful in understanding credit cards with 0 balance transfer and no fees. Now you can take the decision wisely on choosing the right credit card for you. Don’t forget to take note of the APR and other terms and conditions before signing up. Thanks for reading and don’t forget to come back again for more informative articles.