The Best No Balance Transfer Fee Credit Cards in 2021
Hello Friends,
Credit cards are one of the most common ways that people use to make purchases. With so many different credit cards available on the market today, it can be hard to find the right one. However, if you’re someone who is looking for a credit card with no balance transfer fees, then you’re in luck! In this article, we will be discussing the best no balance transfer fee credit cards in 2021.
What Is a Balance Transfer Fee?
Before we go into the best no balance transfer fee credit cards, let’s define what a balance transfer fee is. A balance transfer fee is a fee that is charged when you transfer your balance from one credit card to another. This fee is usually a percentage of the total balance that is being transferred. For example, if you were transferring a balance of $5,000, and the balance transfer fee was 3%, then you would be charged $150 for the transfer.
The Best No Balance Transfer Fee Credit Cards in 2021
1. Chase Freedom Unlimited
2. Discover it Cash Back
3. Citi Double Cash Card
4. Chase Slate
5. Wells Fargo Platinum Card
1. Chase Freedom Unlimited
The Chase Freedom Unlimited credit card is one of the best credit cards for those who are looking for a no balance transfer fee credit card. This card offers a 0% introductory APR for the first 15 months on balance transfers and purchases. After the introductory period, the APR will be 14.99% – 23.74% variable, depending on your creditworthiness.
With the Chase Freedom Unlimited card, you can earn a $200 bonus after spending $500 on purchases in the first 3 months from account opening. Additionally, you can earn unlimited 1.5% cash back on every purchase. This card also comes with fraud protection and zero liability protection.
2. Discover it Cash Back
The Discover it Cash Back credit card is another great option for those who are looking for a no balance transfer fee credit card. With this card, you’ll get a 0% introductory APR for the first 14 months on balance transfers and purchases. After that, the APR will be 11.99% – 22.99% variable.
One of the great things about the Discover it Cash Back card is that you can earn up to 5% cash back on rotating categories, which change every quarter. Additionally, you can earn 1% cash back on all other purchases. Discover also provides you with free access to your FICO credit score so that you can stay on top of your credit health.
3. Citi Double Cash Card
The Citi Double Cash Card is a great choice for those who want to earn cash back while also not paying any balance transfer fees. This card offers a 0% introductory APR on balance transfers for the first 18 months, followed by a variable APR of 13.99% – 23.99%.
With the Citi Double Cash Card, you can earn 2% cash back on all purchases, which is broken down into 1% cash back when you make the purchase and an additional 1% cash back when you pay off your balance. There is no limit to the amount of cash back that you can earn with this card, and you can redeem it for statement credit, direct deposit, or a check.
4. Chase Slate
The Chase Slate credit card is another great option for those who are looking for a no balance transfer fee credit card. This card offers a 0% introductory APR on balance transfers for the first 15 months, after which the APR will be 14.99% – 23.74% variable.
One of the great features of the Chase Slate card is that there are no penalty APRs, meaning that your interest rate won’t go up if you make a late payment. Additionally, you can receive alerts to help you stay on top of your account and avoid missing payments.
5. Wells Fargo Platinum Card
The Wells Fargo Platinum Card is a great choice for those who want a no balance transfer fee credit card with a long introductory period. This card offers a 0% introductory APR on balance transfers and purchases for the first 18 months, after which the APR will be 16.49% – 24.49% variable.
With the Wells Fargo Platinum Card, you will also have access to My Money Map, which is a tool that allows you to track and manage your spending. Additionally, you can receive cell phone protection when you pay your monthly cellular bill with your card.
Conclusion
Overall, if you’re looking for a no balance transfer fee credit card in 2021, there are plenty of great options available. Whether you’re looking for cash back rewards, a long introductory period, or other perks, you’re sure to find a card that fits your needs. Just make sure to read the fine print and understand all of the terms and conditions before applying for a credit card.
Thank you for reading, and we hope that this article has been helpful! See you in our next interesting article.
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