Credit Cards with a Zero Balance Transfer Fee- 7 of the Best Ones!

A balance transfer credit card may help you manage and reduce your debt commitments by offering introductory rates that provide a temporary reprieve from interest charges. So, today in this article, we have gathered a list of the top 7 credit cards with zero balance transfer fee! Let’s get started.

1. Citi Diamond Preferred Card

Balance transfers have a 0% intro APR for 21 months from the date of the first transfer, and purchases have a 0% initial APR for 12 months from the date of account formation. After this term, your variable APR will range between 13.99 percent and 23.99 percent, depending on your creditworthiness. Balance transfers must be completed within four months of the account's creation.

• Each transaction is assessed a balance transfer fee of $5 or 5% of the transfer amount, whichever is greater.
• Your FICO Score may be seen online for free.
• Join Citi Entertainment and enjoy access to thousands of events such as concerts, sporting events, gourmet experiences, and other activities.

2. BankAmerica credit card

You will receive a $100 statement credit online if you make at least $1,000 in purchases during the first 90 days of account opening.

For a limited period, there is a 0% APR for the first 18 billing cycles on purchases and debt transfers made during the first 60 days after account opening. Following the expiration of the promotional APR offer, a variable APR ranging from 12.99 percent to 22.99 percent will be imposed. All balance transfers are subject to a 3 percent fee (minimum of $10).

• There is no yearly charge. 
• There is no APR penalty. Your interest rate will not automatically rise if you pay late (APR). Other fees and terms apply to your account.
• Log in to Online Banking or your Mobile Banking app to obtain a free copy of your FICO credit score.
• Contactless Cards combine the security of a chip card with the convenience of a single tap on a reader.

3. Wells Fargo Reflect℠ Card

For the first 18 months after account activation, purchases and qualified balance transfers are eligible for a 0% intro APR. You can earn an APR extension of up to 3 months on your first loan if you make on-time minimum payments during the intro and extension periods. 

Following that, the variable APR ranges from 13.24 percent to 25.24 percent; balance transfers performed within 120 days qualify for the introductory rate and cost of 3%, followed by a balance transfer charge of up to 5%, with a minimum transfer fee of $5. There is no annual fee. When you use your approved Wells Fargo card to pay your monthly mobile phone bill (subject to a $25 deductible), you'll be eligible for up to $600 in cell phone protection.

When you shop, dine or participate in an activity, you can receive cashback in the form of a statement credit by simply using your eligible Wells Fargo Credit Card to complete the purchase.

4. Citi Simplicity Card

There are no late fees, no penalty rates, and no yearly costs... Ever.

Balance transfers have a 0% intro APR for 21 months from the date of the first transfer, and purchases have a 0% initial APR for 12 months from the date of account formation. After this term, your variable APR will range between 14.99 percent and 24.99 percent, depending on your creditworthiness. Balance transfers must be completed within four months of the account's creation.

Each transfer transaction is subject to a $5 balance transfer fee or 5% of the transfer amount, whichever is greater. The Citi Flex Plan's normal variable APR ranges from 14.99 percent to 24.99 percent, depending on your creditworthiness. Citi Flex Plan options are only made available at the company's discretion.

5. Discover it Balance Transfer

Unlimited Cashback Match is a limited-time promotion available only from Discover! Discover will automatically double the cashback you've earned at the end of your first year of membership! There are no restrictions on the amount you can spend. If you worked hard enough, you could transform $150 in cash into $300.

• Get 5% cashback on everyday purchases at Amazon.com, grocery stores, restaurants, gas stations, and when you pay with PayPal every quarter, up to the quarterly maximum when you initially activate your account. In addition, you will instantly earn an unlimited 1% cashback on all of your subsequent purchases.
• You can get cashback in any amount and at any moment. The rewards are not time-limited.
• Get your free Credit Scorecard, which contains your FICO Credit Score, the number of recent inquiries, and other credit-related information.

6. Citi Double Cash Card

Increase your profits by 2% on each transaction by earning an unlimited 1% cashback when you make the purchase and an additional 1% when you pay for those purchases.

To be eligible for cashback, you must pay the bare minimum amount owed on time. Only balance transfers are eligible for this offer. For the first 18 months, balance transfers will enjoy a 0% introductory APR. Following that, depending on your creditworthiness, your variable APR will vary between 14.24 percent and 24.24 percent.

Balance transfers are ineligible for cashback incentives. Purchases are exempt from the introductory APR. If you carry a balance from month to month and do not pay off your entire balance (including balance transfers) before the due date of the following month, interest will be charged on your purchases.

7. Bank of America's Unlimited Cash Rewards credit card

• You will receive a $200 online cash rewards incentive if you make at least $1,000 in purchases during the first 90 days of account activation.
• Get 1.5 percent cash back on every purchase, up to an infinite amount!
• Preferred Rewards members may earn 25% to 75% additional cashback on every transaction if they participate in the program. In other words, you might receive up to 2.62 percent cash back on every transaction.
• There is no yearly charge. 
• There is no cap on the amount of cashback you may earn, and cash incentives do not expire once received.

On purchases and debt transfers made during the first 60 days after account establishment, the promotional APR is 0% for the first 15 billing cycles. Following the expiration of the promotional APR offer, a variable APR ranging from 13.99 percent to 23.99 percent will be imposed. All balance transfers are subject to a 3 percent fee (minimum of $10).

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As long as you understand that there is no magic in the process and that some items might not be able to come off your report, then you can order this gig.

We can help with:

• Inquires
• Charge Offs
• Collections
• Bankruptcies
• Late Payments
• Public Records
• Student Loans 
• Foreclosures
• Medical Bills

With any of these gigs, you will get a team of professionals that will relentlessly fight against the credit bureaus and creditors to get results. We send up to 20 dispute letters per round. Because we are located in Miami, Florida, we always mail the disputes ourselves. We don't use any third-party mailers like LetterStream, etc.