Apply for a Chase 0% interest credit card today. With an ongoing purchase and balance transfer APR as low as 5.99%, the Navy Federal Credit Union Platinum Card is a good one to keep around even after the introductory period expires – especially if you regularly carry a balance. The balance transfer fee is … 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. Jason It has not been provided or commissioned by the credit card issuers. Pay no balance transfer fee during first 60 days. By CreditCards.com is an independent, advertising-supported comparison service. We’ve received your request and have matched you with a Trusted Provider that specializes in . Annual Fee: $0. If you are unavailable, a confirmation text will be sent, so connecting at your convenience is quick and easy. CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. So what’s left if you want to roll over your balances onto a better card? And what about a card with a $550 annual fee? They once offered 15 months zero-percent on both new purchases and balance transfers, but they got rid of the balance transfer offers. He had been receiving the checks in the mail pretty much every month. The Chase Slate has long been known for its no-fee intro balance transfer offer. By transferring a higher-rate credit card balance to a lower-rate credit card, you can end up paying less interest in the long run. Published by Debt.com, LLC. Balance Transfer Offer: 0% Thank you for signing up for the Debt.com newsletter! At the time of this writing — while much of the world is still dealing with the pandemic — no Chase card offers a 0% intro balance transfer APR. We often fly first-class, not because I'm rich, but because I know how to acquire credit card miles in the most efficient way. You’ll also want to take a look at how many months you’ll get with a 0% intro APR – and determine if that’s enough time to pay down your debt. Sadly, Chase no longer offers the Slate card online to new customers. Balance transfer credit cards with no transfer fee. *Information about the Chase Slate, the Citi Simplicity Card and Amex EveryDay® Credit Card has been collected independently by CreditCards.com. The Bank of America content was last updated on May 3, 2021. Consent is not required as a condition to utilize Debt.com services and you are under no obligation to purchase anything. Here’s our favorite product currently available for applications. There have continually been balance transfer offers, either fee-free, or interest-free. Bottom line. Get essential reads every week with our newsletter. If you’re going to get plenty of ongoing value out of the card, paying the fee upfront might be worth it. They once offered 15 months zero-percent on both new purchases and balance transfers, but they got rid of the balance transfer offers. Copyright © 2021 CreditCards.com a Red Ventures Company. Platinum Card from Navy Federal Credit Union, Amex EveryDay® Credit Card from American Express*, Navy Federal Platinum Card (with an 18% APR), 0% APR on balance transfers for the first 12 months, then 5.99% to 18%, Balance transfer must be made in the first 30 days to qualify for the intro offer, 1% cash back on general purchases (excludes gift cards), 1% additional cash back as you pay off those purchases, 2 points per dollar at supermarkets and gas stations (up to $6,000 per year in purchases, then 1 point per dollar), 1 point per dollar on all other purchases, Every purchase rounded up to nearest 10 points ($2 soda earns 10 points, $13 movie ticket earns 20 points), 3% cash back on a category of choice (gas, online shopping, dining, travel, drug stores or home improvements and furnishings), 2% cash back on grocery store and wholesale club purchases, $2,500 combined spend limit on 2% and 3% categories each quarter, Enroll every quarter to earn 5% cash back on up to $1,500 in purchases each quarter in various categories throughout the year, then 1%. However, we may receive compensation when you click on links to products from our partners. I’ve been writing about credit card balance transfers since the Great Recession a dozen years ago – but I’ve never seen banks remove so many credit card balance-transfer offers from the market so quickly. There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. The card also comes with a $0 balance transfer fee. You may refuse to accept browser cookies by activating the appropriate setting on your browser. I'm one of the country's leading experts on credit cards and have been regularly syndicated by mainstream outlets such as MSN Money and Yahoo! Here is Forbes Advisor's review. It’s true, only a handful of cards still boast the perk. It’s also gone. Furthermore, the Slate from Chase is a no annual fee card that offers 0% interest on purchases and balance transfers for 15 months, which really … However, if you select this setting you may be unable to access certain parts of our Website. By providing my email address, I agree to CreditCards.com’s If not let us know and we’ll improve this page. This website uses cookies to improve your experience while you navigate through the website. Bank of America® Customized Cash Rewards credit card. It’s also gone. Find the best 0% intro APR credit card for your financial needs and save money on interest and balance transfers. In the past few months, I’ve talked about how to best use a balance transfer, and I’ve offered tips for how to responsibly use 0% balance transfer credit cards to get out of debt. Emily Sherman. Today, for the first time in 3 years, I got this message: "Unfortunately, there are no offers available on your account at this time." As balance transfer offers have become few and far between through the coronavirus pandemic, scoring a card with no transfer fee might seem nearly impossible. I live in Denver, Colorado with my wife and two daughters, and we love to travel. These offers expire within 6-18 months, and you pay a fee for the privilege of the transfer. All Rights Reserved. The only tradeoff is debt consolidation loans don’t offer 0% intro periods, instead offering much lower interest rates for your debts. While choosing a card with no balance transfer fee can often save you money, there are still plenty of reasons to opt for a card that does charge a fee. We take your privacy seriously and you may receive electronic communications, including periodic emails with important news, financial tips, tools and more. Balance transfer credit cards offer an excellent opportunity to kick-start the debt damage control process. Consent is not required as a condition to utilize Lexington Law or Debt.com services and you are under no obligation to purchase anything. To learn more, visit the Banking Education Center . We use cookies to collect and analyze information on site performance and usage, and to enhance and customize content and advertisement. autodialing, text and pre-recorded messaging) via telephone, mobile device (including SMS and MMS – charges may apply), or dialed manually, at my residential or cellular number, even if your telephone number is currently listed on any internal, corporate, state or federal Do-Not-Call list; and (2)Lexington Law’s Privacy Policyprivacy policy link and Terms of UseTerms of use link and Debt.com’s Terms of UseTerms of Use and Privacy Policy. For cardholders chasing a balance transfer offer coupled with a low ongoing APR, the Platinum Card from Navy Federal Credit Union is a good choice. We hold our sponsors and partners to the highest industry standards. If you are just starting to become familiar with credit card rewards, it may seem incredible that a high annual fee can be worth it. Once vetted, those sponsors may compensate us for clicks and transactions that occur from a link within this page. Bank of America used to offer its BankAmericard with 15 months zero percent, with no balance transfer fee at all. Privacy Policy. Other contenders included both the standard Chase Freedom and the Freedom Unlimited cards. CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. That you are providing express "written" consent for Debt.com or appropriate service provider(s)service provider link to call you (autodialing, text and pre-recorded messaging for convenience) via telephone, mobile device (including SMS and MMS - charges may apply depending on your carrier, not by us), even if your telephone number is currently listed on any internal, corporate, state or federal Do-Not-Call list. There is no fee for balance transfers made in the first 60 days after opening the account. Chase Slate No Balance Transfer Fee Offer: At present, Chase Slate is the only 0% APR no balance transfer fee credit card being offered by a major bank. Products Tip: Previously, cards from major issuers including Chase and American Express also offered no balance transfer fee. You should receive a call within the next few minutes so you can get connected. It charges no balance transfer fee and currently offers 0 percent intro APR on balance transfers for 12 months (5.99 percent to 18 percent variable APR thereafter). Long 0% introductory APRs are tempting offers, but save you less money than no balance transfer fee. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. The card offers one of the best regular APRs on the market, on top of a limited-time balance transfer offer. By clicking on the "Contact Me" button above, you consent, acknowledge, and agree to the following: Our Terms of UseTerms of use link and Privacy Policyprivacy policy link. And it’s not just Chase. The best balance transfer credit cards offer long 0% APR periods with no annual fees. She is also one of the founders of To Her Credit, a biweekly series of financial advice by women, for women. Other contenders included both the standard Chase Freedom and the Freedom Unlimited cards. The Chase Slate* (not currently open to applications) and Amex EveryDay® Credit Card from American Express* (no longer accepting balance transfers) were two notable examples. The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. Pay less interest. Advertiser Disclosure, A card with no balance transfer fee is often the better deal, by Since balance transfer fees typically hover between 3% and 5%, you’ll usually save more money with a no-annual-fee card than you’d pay in interest with a shorter introductory period. Your credit cards journey is officially underway. All Rights Reserved. Bank of America used to offer its BankAmericard with 15 months zero percent, with no balance transfer fee at all. At the moment, there are no 24-month balance transfer credit cards with a 0% intro APR period. While the Citi Simplicity has a regular variable APR of 14.74% to 24.74%, it has one of the longest introductory APRs you’ll find on a balance transfer card – 0% for 18 months. If paying down debt is a top priority, a balance transfer card with no transfer fee is probably your best option. Check out our top balance transfer offers and apply online today! Other factors, such as our proprietary website's rules and the likelihood of applicants' credit approval also impact how and where products appear on the site. The Chase Slate credit card offers a 0% APR balance transfer for 15 months without charging a balance transfer fee. Privacy Policy. Balance transfers won’t earn you rewards points or cash back, if the card you are transferring a balance to offers them. For cardholders ready to break out of credit card debt, there are several different strategies to get you there. 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