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Which Cards Have 0% APR On Balance Transfers Plus No Balance Transfer Fee

As we have already discussed many times on the blog, balance transfers are a great way to save on interest in a case where you are stuck with a high credit card bill.

How do 0% APR balance transfers work?

There are many credit card issuers that offer, what is called, an intro 0% APR period. As an incentive for you to transfer your existing balance to the new card, the credit card issuer will offer you an introductory 0% APR period for as much as 21 months! You will be paying ZERO percent interest for the entire 21 months!

Balance transfer fee

Most credit cards charge a slight fee to transfer a balance. It’s usually about 3% (you can always see the fee clearly displayed on our website for each card.

A 3% fee to carry a balance interest-free for up to 21 months is extremely cheap. But paying no fee is even better. 

Here are two credit cards that offer 0% APR for 12 months on balance transfers and don’t charge any balance transfer fee.

1. Edward Jones Business Plus Mastercard

Intro 0% APR: Get intro 0% APR for 12 months on balance transfers (after that 19.24% to 29.24% variable).

Annual fee: $25

Balance transfer fee: Balance transfers are free for transfers completed within the first 60 days. After that, your fee will be 3% of each transfer ( minimum $5).

Get the card>>

2. The Edward Jones World Mastercard®

Intro 0% APR: Get intro 0% APR for 12 months on balance transfers (after that 17.24%  variable).

Annual fee: $0

Balance transfer fee: Balance transfers are free for transfers completed within the first 60 days. After that, your fee will be 3% of each transfer ( minimum $5).

Get the card>>

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Sam Sam has nearly a decade's worth of experience educating his many readers on everything credit. Sam spends his days checking out credit cards for a full report, from the minute benefit details to the shebang of welcome bonuses. Plus studying the ins and outs of building proper credit. It’s his favorite pastime and he loves sharing it with others.

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The smarter way of keeping track of your cards
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Today's best offers

The Business Platinum Card from American Express

Earn 250,000 points after spending $20,000 within the first 3 months.

More

Capital One Spark Cash Plus

Highest ever!! Earn $2,000 after spending $30,000 within the first 3 months. Plus, earn an additional $2,000 for every $500,000 you spend during the first year. You can earn the bonus unlimited times over the course of the first year!

More

United Business Card

Earn 100,000 miles after spending $5,000 within the first 3 months.

More
The smarter way of keeping track of your cards
Now available on Android and iOS
Get our app on

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