Got a large purchase or a hefty balance to pay off over time without interest? The most common practice to do so is by doing the balance transfer to a new credit card that offers 0%. Most of the balance transfer comes with a fee in general. The balance transfer fee ranges from 3% to 5% in most of the cards. After all, you are getting a new card to avoid any interest or fees. There are few credit cards that offer 0% APR on balance transfer as well as 0% APR on purchases for a certain period with $0 fees too.

Combining these 0% Balance Transfer and $0 Balance Fee with Top Credit Card Promotions will help you to maximize the rewards even better.

The Amex EveryDay® Credit Card from American Express

The Amex EveryDay Credit Card is now one of the best balance transfer credit cards on the market, offering a 0% introductory APR (for both purchases and balance transfers) for 15 months and charging NO annual fee and NO balance transfer fee (for 60 days from account opening). On top of that, Amex EveryDay actually rewards you for making purchases. You just have to request your transfer within 60 days of opening your account, which is important.

Benefits

  • 0% for 15 months. It applies to new purchases and balance transfers. The average 0% credit cards offer about 10.5 months without interest on new purchases and 12 months on balance transfers.
  • $0 balance transfer fee for 60 days. The balance transfer fee is normally in the range of 3% to 5% of the amount transferred. Normally it is limited to 80% of your credit limits, varies by card.
  • $0 annual fee.
  • Initial Sign-Up bonus. This is the excellent offer, considering it has 0% promo APR and $0 Balance Transfer Fee. The Amex EveryDay Card’s 15,000-point ($150) initial bonus(Using our Referral link), which you get for spending $1,000 within three months of account opening, is roughly average for a rewards card.
  • Rewards at the supermarket. The Amex EveryDay Credit Card gives you 1 point per $1 spent on most purchases, except for the first $6,000 that you spend at U.S. supermarkets each year, which yields 2 points per $1.
  • Requires Good to Excellent credit

Highlights

    • Earn 15,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
    • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
    • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
    • You can use points for rewards from over 500 leading brands in travel, gift cards, merchandise, or entertainment or use them towards eligible charges you make on your Card, such as retail, dining, entertainment and more.

Chase Slate

Chase Slate is one of the best balance transfer credit cards for most: It gives you the chance to completely avoid fees and finance charges while getting out of debt much faster than you would otherwise. And it’s available to people with good credit score, unlike most other top 0% credit cards, which require excellent credit for approval. You will have to make sure to transfer your balance within 60 days of account opening to avoid any fees and benefit from the intro offer.

Chase Slate Review Highlights:

  • 0% for 15 months. Not only will you enjoy 0% interest on the transferred balance for the first 15 months, but you can also avoid a balance-transfer fee if you complete the transaction within 60 days of account opening.
  • $0 balance transfer fee for 60 days. The balance transfer fee is normally in the range of 3% to 5% of the amount transferred. Normally it is limited to 80% of your credit limits, varies by card.
  • 0% Intro APR. The Slate Card’s 0% interest promotion also applies to new purchases. So if you use Slate for spending, you won’t have to worry about interest charges for the first 15 months, provided that you make on-time minimum payments in the meantime.
  • Need good credit or better. In order to qualify for Chase Slate, you need good or excellent credit to get approved for the Chase Slate Credit Card.
  • No Purchase Rewards. There are no rewards earned on Chase Slate, unlike other popular Chase Ultimate Rewards cards.

Benefits

  • Transfer balances with an introductory fee of $0 during the first 60 days your account is open. After that, the fee for future balance transfers is 5% of the amount transferred, with a minimum of $5.
  • 0% intro APR for 15 months on purchases and balance transfers from account opening.
  • You can check your FICO® Score, updated monthly, as well as monitor and better understand the five main attributes that drive your credit health – all for free with Slate
  • You won’t have to pay an annual fee for all the great features that come with your Slate card.
  • Paying late won’t raise your interest rate (APR).

There are other Top 0% Balance Transfer and 0% Intro Purchase APR cards that you might consider too.


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