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Apply online for 0% no fee balance transfer credit cards

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Higher Balance Transfer Fees
The prolong weak economy, recent financial crisis and new credit card act have drastically changed the landscape of US credit card market.

It is a fact that getting a decent balance transfer card is much harder now without incurring a hefty fees. The credit card issuers are raising the balance transfer fees as high as 5% nowadays. You must take note on the minimum and maximum cap on the balance transfer fee as well, if any.

This only means getting a 0% no fee balance transfer credit card is not possible at the moment. However, good news is, unlike previous years where 0% balance transfer card is pretty much limited with only up to 6 months offer, now you've wider choice of up to 15 months 0% balance transfer introductory offer.
credit card offers 0% for balance transfer Secure Online Application Safe and secure online application with SSL encryption technology.
Get your best balance transfer credit cards with 0% interest today!
WARNING : The card issuer may STOP card offers and promotions without notice. Grab the card of your choice while it last.
For detailed card information or to apply, click on the link next to the card of your choice and a new window will be opened for you.
Discover® More® Card
 
discover platinum card
  • 0% intro APR on balance transfers for a full 15 months, then the Regular APR
  • 0% intro APR on purchases for a full 6 months, then the Regular APR
  • No Annual Fee
  • Earn more cash in more ways than anyone elseSM*
  • 5% Cashback Bonus®* in categories that change like travel, home improvement stores, department stores, gas, groceries, restaurants and many more
  • 5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
  • Turn your Cashback Bonus into bigger rewards everytime when you redeem for gift cards from over 100 brand-name Partners
  • Up to 1% unlimited Cashback Bonus on all other purchases automatically
  • Unlimited cash rewards
  • Instant Response Within 60 Seconds
  • $0 Fraud Liability Guarantee
  • Easy online account options that put you in control
  • Fraud specialists dedicated to helping you 24/7
  • Customer Service in less than a minute, anytime you want
  • Secure online account numbers
  • Timely e-mails to help you avoid fees
*View Discover® Card Rates, Fees, Rewards and Other Important Information

Regular APR Annual Fee
as low as 11.99% (V) None
Click here to Apply
Now or Learn More...
 
Discover® More® Card - Black
 
discover platinum card
  • 0% intro APR on balance transfers for a full 12 months, then the Regular APR
  • 0% intro APR on purchases for a full 9 months, then the Regular APR
  • No Annual Fee
  • Earn more cash in more ways than anyone elseSM*
  • 5% Cashback Bonus®* in categories that change like travel, home improvement stores, department stores, gas, groceries, restaurants and many more
  • 5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
  • Turn your Cashback Bonus into bigger rewards everytime when you redeem for gift cards from over 100 brand-name Partners
  • Up to 1% unlimited Cashback Bonus on all other purchases automatically
  • Unlimited cash rewards
  • Instant Response Within 60 Seconds
  • $0 Fraud Liability Guarantee
  • Easy online account options that put you in control
  • Fraud specialists dedicated to helping you 24/7
  • Customer Service in less than a minute, anytime you want
  • Secure online account numbers
  • Timely e-mails to help you avoid fees
*View Discover® Card Rates, Fees, Rewards and Other Important Information

Regular APR Annual Fee
as low as 11.99% (V) None
Click here to Apply
Now or Learn More...
 
Discover® More® Card - $75 Cash Back Bonus
 
Get $50 Cash Back Bonus with the Discover® More® Card!
  • 0% intro APR on balance transfers for a full 12 months, then the Regular APR
  • 0% intro APR on purchases for a full 6 months, then the Regular APR
  • Get $75 Cashback Bonus when you make $500 in purchases within 3 months
  • No Annual Fee
  • Earn more cash in more ways than anyone elseSM*
  • 5% Cashback Bonus®* in categories that change like travel, home improvement stores, department stores, gas, groceries, restaurants and many more
  • 5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
  • Turn your Cashback Bonus into bigger rewards everytime when you redeem for gift cards from over 100 brand-name Partners
  • Up to 1% unlimited Cashback Bonus on all other purchases automatically
  • Instant Response Within 60 Seconds
  • Unlimited cash rewards
  • $0 Fraud Liability Guarantee
  • Easy online account options that put you in control
  • Fraud specialists dedicated to helping you 24/7
  • Customer Service in less than a minute, anytime you want
  • Secure online account numbers
  • Timely e-mails to help you avoid fees
*View Discover® Card Rates, Fees, Rewards and Other Important Information


Regular APR Annual Fee
as low as 11.99% (V) None
Click here to Apply
Now or Learn More...
 
Discover® MotivaSM Card
 
discover motiva credit card
  • Cash Rewards for your good credit management!*
  • 3.99% intro APR on balance transfers for a full 15 months, then the Regular APR
  • 3.99% intro APR on purchases for a full 12 months , then the Regular APR
  • Each time you make 6 on-time payments in a row, you'll get a Pay-On-Time Bonus equal to a full month's interest added to your Cashback Bonus account
  • 5% to 20% Cashback Bonus® at top online retailers through our exclusive online site
  • Up to 1% unlimited Cashback Bonus on all other purchases
  • Unlimited cash rewards
  • Turn your Cashback Bonus into bigger rewards everytime when you redeem for gift cards from over 100 brand-name Partners
  • Free payment by phone or online—even on your Payment Due Date
  • Choose a Payment Due Date that meets your needs
  • Automatic email reminders when a Payment Due Date is nearing or when a payment has been made
  • Easy online account options that put you in control
  • $0 fraud liability guarantee
  • Fraud specialists dedicated to helping you 24/7
  • Secure online account numbers
*View Discover® Card Rates, Fees, Rewards and Other Important Information

Regular APR Annual Fee
as low as 11.99% (V) None
Click here to Apply
Now or Learn More...
 
IberiaBank Visa® Select Card
 
Iberia Bank Visa Select Card
  • Introductory Rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on Purchases. (If there is an interest charge, the charge will be no less then $1.00). This rate will not change during the introductory period.
  • Low Introductory APR on Balance Transfers of 1.99% for the first 12 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
  • Low Ongoing Variable Rate APR after introductory period of 7.50%, 9.50%, or 11.50% (Prime + 4.25%, Prime + 6.25%, and Prime + 8.25%) based on your creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less then $1.00).
  • Online access to credit card account information

Intro APR Intro Period Annual Fee
0% 12 Months $35
Click here to Apply
Now or Learn More...
 
Discover® Open Road® Card
 
discover platinum gas card
  • 0% intro APR on balance transfers for 12 full months, then the Regular APR
  • 0% intro APR on purchases for 6 months, then the Regular APR
  • 2% Cashback Bonus automatically at any gas station and any restaurant
  • 5% to 20% Cashback Bonus® at top retailers through the online shopping site
  • Up to 1% unlimited Cashback Bonus on all other purchases automatically
  • Redeem for Partner gift cards, merchandise, Discover® gift cards, credit to your Discover card account or an electronic deposit to your bank account
  • Turn your Cashback Bonus into bigger rewards by redeeming for gift cards or eCertificates from over 100 brand-name Partners
  • No Annual Fee
  • $0 Fraud Liability Guarantee
  • Easy online account options that put you in control
  • Fraud specialists dedicated to helping you 24/7
  • Secure online account numbers
  • Timely e-mails to help you avoid fees
*View Discover® Card Rates, Fees, Rewards and Other Important Information

Regular APR Annual Fee
as low as 11.99% (V) None
Click here to Apply
Now or Learn More...
 
IberiaBank Visa® Classic
 
Iberia Bank Visa Classic
  • No annual membership fee
  • Low variable rate of 7.25%, 10.25%, or 13.25% (Prime + 4.00%, Prime + 7.00%, or Prime + 10.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00).
  • Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
  • Online access to credit card account information

Intro APR Intro Period Annual Fee
1.99% 6 Billing Cycles None
Click here to Apply
Now or Learn More...
 
Simmons First Visa® Platinum
 
Simmons First Visa Platinum
  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • Low 7.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
  • No Annual Fee

Intro APR Intro Period Annual Fee
N/A N/A None
Click here to Apply
Now or Learn More...
 
IberiaBank Visa® Gold Cash Back Rewards Card
 
Iberia Bank Visa Gold Cash Back Rewards Card
  • Earn 1% in cash back credit on all qualifying purchases
  • No limit on cash back; no expiration date on eligibility for accounts in good standing
  • Travel accident coverage up to $500,000
  • No annual membership fee
  • Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00)
  • Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate
  • Online access to credit card account information

Intro APR Intro Period Annual Fee
1.99% 6 Billing Cycles None
Click here to Apply
Now or Learn More...
 
IberiaBank Visa® Platinum Rewards Card
 
Iberia Bank Visa Platinum Rewards Card
  • Earn 1 bonus point for every $1 in qualifying net retail purchases
  • Turn your points into hotel, travel, gift or experience rewards
  • Travel accident coverage up to $1,000,000
  • No annual membership fee
  • Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00)
  • Low Introductory ARP on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate
  • Online access to credit card account information

Intro APR Intro Period Annual Fee
1.99% 6 Billing Cycles None
Click here to Apply
Now or Learn More...
 
Simmons First Visa® Platinum Rewards
 
Simmons First Visa Platinum Rewards
  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • Low 9.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
  • Travel Rewards - cardholders who enroll in the program receive one point per net dollar spent
  • Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions
  • Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants
  • No Annual Fee

Intro APR Intro Period Annual Fee
N/A N/A None
Click here to Apply
Now or Learn More...
 
PenFed Premium Travel Rewards American Express® Card
 
PenFed Premium Travel Rewards American Express Card
  • 5 Points for Every $1 Spent on Airfare!
  • 3 Points on Hotels and Dining (through December 31, 2010)
  • No Balance Transfer Fees – Good till April 30, 2010
  • Automatic enrollment in PenFed Premium Rewards Program
  • Access to 600+ Luxury VIP Global Airport Lounge Access with $15,000 Annual Spend
  • 24/7 Premium Concierge Service
  • Exclusive Travel Upgrades and Offers
  • Redeem on any Airline; no black-out dates or restrictions
  • Spend $650 in the First Three Months and Receive 20,000 bonus points
  • No Foreign Transaction Fees!
  • You must be a Pentagon Federal Credit Union member to apply. Not a member? It’s easy to join. You must be a United States Government employee, member of the United States Military and Uniformed Services, employee or volunteer of the American Red Cross, member of the National Military Family Association, or a family member/housemate of a current PenFed member.

Intro APR Intro Period Annual Fee
4.99% 24 Months Free for 12 Months, $50 thereafter
Click here to Apply
Now or Learn More...
 
PenFed Promise VISA Card
 
PenFed Promise VISA Card
  • Absolutely No Fees!
  • Introductory Purchase Rate – 7.49% APR for the first 36 months. Afterwards, the APR will vary with the Prime Rate and is currently 9.99% APR.
  • No Balance Transfer Fees – Good till April 30, 2010
  • No Foreign Transaction Fees!
  • Some restrictions apply.
  • You must be a Pentagon Federal Credit Union member to apply. Not a member? It’s easy to join. You must be a United States Government employee, member of the United States Military and Uniformed Services, employee or volunteer of the American Red Cross, member of the National Military Family Association, or a family member/housemate of a current PenFed member.

Intro APR Intro Period Annual Fee
7.49% 36 Months None
Click here to Apply
Now or Learn More...
 
PenFed VISA Platinum Gas / Cash Rewards Card
 
PenFed VISA Platinum Gas / Cash Rewards Card
  • 13.99% APR – Lower than most rewards cards!
  • Earn 2.00% Cash Back on Supermarket Purchases*
  • Earn 5.00% Cash Back from Gas Purchases Paid at the Pump*
  • Earn 1.00% Cash Back from All Purchases** You Make with the Card During Each Billing Cycle
  • No Balance Transfer Fees – Good till April 30, 2010
  • Up to $50,000 Limit
  • No Annual Fee
  • Cash Rewards Credited Each Month
  • No Special Restrictions to Earn Your Cash Rewards
  • Limited Time Only – Low Balance Transfer Rates†
  • You must be a Pentagon Federal Credit Union member to apply. Not a member? It’s easy to join. You must be a United States Government employee, member of the United States Military and Uniformed Services, employee or volunteer of the American Red Cross, member of the National Military Family Association, or a family member/housemate of a current PenFed member.

Intro APR Intro Period Annual Fee
4.99% 24 Months None
Click here to Apply
Now or Learn More...
 
Why such drastic measures are taken?
With current economy woes where unemployment rates skyrocketing, lending has become a highly unpredictable risky business. Most credit card issuers are unwilling to extend credit for high risk lending.

The delinquency rate is high and they are making huge losses in the credit card business operation.

Not only the application process is strict, favoring a small group with excellent credit rating, the credit card issuers are now expecting to be rewarded fairly for taking the unusual high risk lending.

All these unfavorable circumstances has somehow force and lead the market with no option but to increase in fee, which is almost inevitable, if not predictable.

Pay off the debt within introductory offer period
Although it may not possible for you to pay the balances in full within the introductory offer period, it is to your advantage to put extra efforts in paying as much as possible in the given period. At the end of the day, you'll be glad with the savings you made by paying within the offer period.

If you plan to carry your balances beyond the introductory offer period, make sure the interest rate is reasonable and affordable according to your plan.

Aside that, to help settle your debt faster, it is best not to make any purchases with the balance transfer card.

What if you have more than one card with balances
At the end of the day, you may not be able to consolidate all your card balances into one card.

In such circumstances, you should concentrate in settling off the balances on one card while paying the minimum amount on other cards. And restraint yourself from making further purchases with your cards.

This practice should continue until you settle your debts in full on all the cards.

Credit Limit and Minimum Payament
Bear in mind the issuer is entitled to reduce your credit limit and increase your monthly minimum-payment amounts.

It is advisable to use only 30% of the credit limit available to avoid such reduction from affecting your credit score. This may help to ensure you are not caught off-guard in case the issuer raise your monthly minimum-payment required.

With such uncertainties, it is best to stress against making purchases with your balance transfer card, until unless all the balances are settled in full.

Nowonwards, preserving your creditworthiness has become a crucial factor in determining your financial future. So make good use of your credit and do not spend on something you can't afford to pay.

Treating your credit card like a charge card i.e. paying your balances in full every month is now the golden rule in maintaining a healthy credit history.

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