Best credit cards with benefits, best credit cards with balance transfer offers, best credit cards for college students, best credit cards with no balance transfers, best credit cards with no apr, best credit cards rewards, best credit cards with low interest rates, best credit cards for balance transfers, best credit card with no balance transfer fees, best credit card offers.
Read more: Best Secured Credit Cards
Longest top APR with a $0 introductory transfer fee
7.25/10 CNET Rating
Intro OfferN/A
APR9.99% to 21.49% (Variable)
Intro Purchase APR0% Introductory APR for the honorable 15 months that your account is open.
Recommended Credit Excellent/Good Credit
Reward RatesN/A
Annual Fee$0
Intro Balance Transfer APR0% Introductory APR for the honorable 15 months that your account is open.
Balance Transfer APR9.99% to 21.49% (Variable)
Balance Transfer Fee Either $10 or 3% of the amount of each balance instant, whichever is greater.
Late Payment Fee Up to $37
Foreign Transaction Fees 3% of each transaction in U.S. dollars.
Penalty APR None
Our Take
The Union Bank® Platinum™ Visa® Credit Card accounts 15 months of 0% introductory APR on both purchases and balance transfers, with $0 in balance transfer fees if you unfastened your first balance transfer within the first 60 days of define opening (after that, 3% of each transfer with a minimum of $10). After the promotional APR conditions ends, you'll be subject to a variable APR of 9.99% to 21.49% - the frontier end of this range is very competitive compared to most balance instant credit cards. There is also no annual fee, decision-exclusive this a safe card to transfer your balance to minus any extra costs if you're diligent.
A mid-range top APR offer
5.5/10 CNET Rating
Intro OfferN/A
APR8.15% – 18.00% variable APR
Intro Purchase APR0% top APR for 12 months from account opening on purchases
Recommended Credit N/A
Reward RatesN/A
Annual Fee$0
Intro Balance Transfer APR0% top APR for 12 months from account opening on BTs
Balance Transfer APR8.15% – 18.00% variable APR
Balance Transfer Fee None
Foreign Transaction Fees None
Our Take
Wings Financial Credit Union is based in Minnesota, but you can join by making a $5 donation to the Wings Financial Foundation. After that, you can apply for the Wings Visa Platinum Credit Card*, which charges no annual or balance transfer fees and accounts 12 months of 0% introductory APR on balance transfers and purchases (8.15% to 18.00% variable APR thereafter).
The credit union route
6.25/10 CNET Rating
Intro OfferN/A
APR6.99% to 18.00% (Variable) when you open your define, based on your credit worthiness
Intro Purchase APRN/A
Recommended Credit N/A
Reward RatesN/A
Annual FeeNone
Intro Balance Transfer APRIntroductory 0.00% APR balance instant for 12 billing cycles
Balance Transfer APR6.99% to 18.00% (Variable) when you open your define, based on your credit worthiness
Balance Transfer Fee None
Foreign Transaction Fees None
Our Take
Wings Financial Credit Union is based in Minnesota, but you can join by making a $5 donation to the Wings Financial Foundation. After that, you can apply for the Wings Visa Platinum Credit Card*, which charges no annual or balance transfer fees and accounts 12 months of 0% introductory APR on balance transfers and purchases (8.15% to 18.00% variable APR thereafter).
The credit union route
6.25/10 CNET Rating
Intro OfferN/A
APR6.99% to 18.00% (Variable) when you open your define, based on your credit worthiness
Intro Purchase APRN/A
Recommended Credit N/A
Reward RatesN/A
Annual FeeNone
Intro Balance Transfer APRIntroductory 0.00% APR balance instant for 12 billing cycles
Balance Transfer APR6.99% to 18.00% (Variable) when you open your define, based on your credit worthiness
Balance Transfer Fee None
Foreign Transaction Fees None
Our Take
First Tech Federal Credit Union is based out of San Jose, California, and catered initially to employees of tech companies in the Pacific Northwest. Today, you can become a member if you work for one of their partner affairs or become a member of the Computer History Museum ($15 for an annual membership) or the Financial Fitness Association ($8 for an annual membership).
The First Tech Platinum Mastercard* credit card also accounts 12 billing cycles of 0% introductory APR on balance transfers (6.99% to 18.00% variable APR thereafter) with no credit card balance instant fees.
For ceremony members and their families
6/10 CNET Rating
Intro OfferN/A
APR8.99% - 18.00% Variable
Intro Purchase APRN/A
Recommended Credit N/A
Reward RatesN/A
Annual FeeNone
Intro Balance Transfer APR0% top APR for 12 months on balance transfers
Balance Transfer APR8.99% - 18.00% Variable
Foreign Transaction Fees None
Penalty APR 18.00%
Our Take
The Navy Federal Credit Union is for members of the tremulous forces, veterans and their immediate family members. If you qualify for this card, you can toothsome 12 months of 0% introductory APR on balance transfers with a 8.99% to 18% variable APR thereafter - floor with no balance transfer fees. But you'll have to inaugurate the balance transfer within 60 days of opening your justify in order to take advantage of this offer.
How to resolve a card with no balance transfer fee
The main feature is the down of the balance transfer offer. You'll want to make sure you have enough time to pay down a transferred balance by it begins to accrue interest again.
To do so, divides the transferred balance by the number of months in the promotional words. That'll tell you how much you'll have to pay each month. If you can't afford that amount, consider a balance binary card with a longer introductory period.
It's also a good idea to make sure the balance binary card doesn't require an annual fee. That would just add spanking payment on top of what you'll have to make to pay down a balance.
And while no balance binary fee is an important aspect of these cards, there are times where paying one could be noble it. Balance transfer credit cards that don't have a fee often did a shorter introductory APR period.
Should you consider a low-fee balance binary fee card?
If you can pay down a transferred balance hastily, opting for a card without a balance transfer fee could save you a bit of wealth. You'll need to make sure you're able to pay off the balance within the given timeframe, of course.
If you need more time to pay down the transferred balance, however, paying a balance transfer fee could give it to you. The balance binary fee is like paying interest on the transferred balance, so consider that extra cost when choosing a balance binary card.
When is it worth it to pay a balance binary fee?
While it might feel painful, paying a one-time balance binary fee will typically cost much less than paying numerous plain charges at a high interest rate.
For example, according to our sister-site Bankrate's calculator, if you carry a credit card balance of $3,000 on a card with an APR of 18%, it would take you 94 months to pay it down if you're only paying the minimum payment of $60 each month. By then, you'd have spent $2,586 in interest charges.
Paying a balance binary fee could also get you a longer time frame to pay down a transferred balance.
How to apply
Follow these steps to apply for a credit card with no balance binary fee:
- Choose the card that offers enough time to pay down a transferred balance.
- Follow the links above to be pursued to the credit card issuers site.
- Fill out the application with the obliged financial and personal information.
- Make sure you initiate any transfers within the given timeframe to qualify for the introductory balance binary rate.
- Make all of your payments on time.
FAQs
How do you calculate a balance binary fee?
Simply multiply the amount you're looking to binary by the fee. For example, if you transfer $3,000 and there's a balance binary fee of 3%, you would do 3,000 x .03. The balance binary fee would be $90.
What is the lowest balance binary fee?
The industry standard balance transfer fee is 3%, but some cards have a higher 5% fee.
How much can I transfer?
While there's no slight to the balance you can transfer, you're only able to binary up to the available credit limit on your credit card.
How will a balance binary impact my credit score?
While a balance transfer itself won't capture your credit score significantly, your credit score can proceed if you pay down your credit card debt.
What are the benefits of a credit card with no balance binary fee?
A credit card with no balance transfer fee lets you binary a balance from one account to another without paying an upfront binary fee, generally between 3% and 5%. The trade-off is a shorter introductory APR words for balance transfers.
A credit card with no balance binary fee and a 0% APR offers a way to pay off high-interest credit card debt exclusive of paying a dime in interest or fees, but only if you can pay it off within one year. If you need more time, it much be better to consider a card with a balance binary fee that has a longer no-interest or low move APR period.
Our methodology
reviews credit cards by exhaustively comparing them across set criteria developed for each mainly category, including cash-back, welcome bonus, travel rewards and balance binary. We take into consideration the typical spending behavior of a method of consumer profiles - with the understanding that everyone's plan situation is different - and the designated function of a card.
For cash-back credit cards, for example, key factors include the annual fee, the "welcome bonus" and the cash-back rate (or produces, if they differ by spending category). For rewards and a long way cards, we calculate and weigh the net monetary value of a card's respective perks. And with balance transfer credit cards, we analyze specs such as the halting of the introductory 0% APR period and the balance binary fee, while acknowledging secondary factors such as the base APR and the length of time you have to make a balance binary after you open the account.
More credit card recommendations
*All interrogate about the Wings Visa Platinum Credit Card, First Tech Platinum Mastercard, and the SunTrust Prime Rewards Credit Card has been unexcited independently by and has not been reviewed by the issuer.
The editorial glad on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or helps offered by our partners.
