No Fee Balance Transfer Credit Cards – 300+ Offers Now Available!

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While a 0% APR balance transfer credit card may sound pretty hot, you might actually be better off with a “no fee balance transfer credit card” instead.

That’s right, there are balance transfer credit cards out there with no fee if you look hard enough.

No fee balance transfers used to be pretty common, but balance transfer arbitrage and a complete financial collapse have made them harder to come by.

Put simply, credit card issuers were getting “screwed” by savvy cardholders, so they started adding and upping balance transfer fees to ensure they didn’t get stuck holding the short end of the debt stick.

However, because competition among credit card issuers is so intense, they can’t help but try to one up each other with enticing offers that often seem too good to be true. That said, let’s look at the no fee balance transfer offers currently available.

Amazingly, I was able to compile a list of over 300 no fee balance transfer offers. Yes, you read that right, 300+! It wasn’t easy so I hope you find it worthwhile. Now go save some money!

Note: I listed the state(s) where the bank does business to help you narrow down your choices. If you know of an offer that isn’t listed below please let me know by leaving a comment.

No Fee Balance Transfer Credit Card Offers (300+ to Choose From):

*Offers in green are truly free, meaning 0% APR and no fees. Be sure to verify ALL offers yourself with the provider as terms can and will change from time to time. Some promos come and go, others expire, some are based on credit, etc. Always read the fine print!

Last updated April 6th, 2017…

Nationwide No Fee Balance Transfer Offers

Barclaycard Ring MasterCard – (nationwide) this no fee balance transfer credit card now offers 0% APR. In the past, the APR was set at a relatively lofty 8%, meaning you were better off paying a standard 3% balance transfer fee in most cases. But now you get 0% APR, which is clearly unbeatable!

Chase Slate No Fee Balance Transfer (nationwide) is the only way to get your hands on a balance transfer with no fee with Chase. For a limited time, get 0% APR for up to 15 months with $0 balance transfer fee! Act quickly before this offer expires! Amazing deal. Not only do you get 0% APR without a balance transfer fee, but you also get it for a full 15 months!

Discover it Balance Transfer (nationwide) – this targeted offer (seems to be any customer with a Discover it credit card and maybe other Discover cards) offers 4.99% APR for 18 months with a 0% transfer fee. While the APR isn’t set at 0%, the fee is $0, making it a good choice for some consumers looking to transfer a balance.

Discover® More Card – No Balance Transfer Fee (nationwide) – get 0% APR on balance transfers and purchases for 12 months with a $0 balance transfer fee! Discover recently re-launched this offer for the start of 2012. Don’t expect it to last long! (Offer expired!) This offer tends to come back around during the first quarter (January – March) of each year though I haven’t seen it recently.

Edward Jones World MasterCard (nationwide) – this credit card offers 0% APR for 12 months with no balance transfer fee if you complete the transfer within 30 days of account opening. The downside is that you need to apply in an Edward Jones branch, meaning you’ll be sold other retirement products along the way. Just withstand that assault and you’ll have yourself a no fee balance transfer. If you’re already a customer you can apply online via their website.

Farm Bureau Bank Rewards MasterCard (nationwide) offers a long 18 months of 2.99% APR on balance transfers with no annual fee and no balance transfer fee during the first 60 days after account opening date.

Navy Federal Go Rewards Visa (Armed Forces, DoD, Coast Guard or National Guard) – this credit union, which requires membership via a military background, offers a no fee balance transfer credit with 0% APR that lasts 12 months.

Penfed Defender American Express – comes with 4.99% promo APR for 12 months with no balance transfer fee. There is also a Visa version of the card if you prefer that instead.

Penfed Promise Visa (nationwide, can donate if no affiliation) – no balance transfer fee on this card but no 0% APR either. Instead, you’ll pay 4.99% APR for 12 months, which means you might be better off going with a standard balance transfer card with 0% APR and a 3% balance transfer fee. As always, do the math.

QuicksilverOne from Capital One (nationwide) – this card offers 0% APR for around nine months with no balance transfer fee. The hitch is that there’s an annual fee of $39, which can effectively act as a balance transfer fee. For example, if you transfer $1,300 you’d pay $39 if the balance transfer fee was the standard 3%. So if you transfer any less than $1,300 you’re better off going with a balance transfer card that charges you 3% without an annual fee and longer 0% APR. The good news is you can get approved with average credit.

Multi-State No Fee Balance Transfer Offers

ABE Federal Credit Union (CA, CT, DC, IL, NY) offers a rather unique no fee balance transfer. You get 0.99% APR for six months from the date of your first transfer. Short but sweet.

Abbott Laboratories Employees Credit Union (Abbott and AbbVie employees) has a cute no fee balance transfer promo at the moment. You get a rate of 2.16% (in honor of the year 2016) for 12 months with no fee.

Actors Federal Credit Union (Chicago, Los Angeles, NYC) is offering 2.9% introductory APR for six months on purchases and balance transfer with no fees to transfer or hold the card.

AgFed Credit Union (DC, VA) offers 2.99% APR for 12 months on transferred balances with no balance transfer fees and no annual fees.

Alabama Credit Union MasterCard (AL, FL) is offering a super low 0.9% APR on balance transfers for up to 12 months with no fees. Pretty close to free!

Alliance Credit Union (CA, NC) offers 4.99% APR on balance transfers for 9 months without transfer fees or an annual fee.

Allsteel Credit Union (IA, IL, TN) is offering 2.99% APR on balance transfers for 12 months with no annual fee and a $1 balance transfer fee. Sure, it’s not no fee, but it’s a buck so I included it.

American Eagle Credit Union Platinum Visa (IL, MO) comes with 2.99% APR for six months with no balance transfer fee and no annual fee. After the APR ranges from 7.15% to 20.15%.

American Heritage Credit Union Platinum MasterCard (NJ, PA) offers 1.99% intro APR for first six months on purchases, balance transfers, and cash advances with no annual fee and no balance transfer fees. Relatively low 9.99% APR thereafter.

Andrews FCU Business Rewards Visa (DC, MD, NJ, VA) comes with an intro rate of 3.25% APR for 12 months with no fees to transfer and no annual fee during year one.

Anheuser-Busch Employees Credit Union (CA, CO, FL, GA, IL, MO, NH, NJ, NY, OH, TX, VA) offers 2.99% APR for six months on balance transfers with no annual fee or balance transfer fee.

Ashland Credit Union LOW RATE ACU Visa ONE Card (KY, MN, OH) comes with 1.90% APR for six months on purchases and balance transfers with no balance transfer fees and you earn rewards points on transferred balances.

Aspire FCU MasterCard Platinum (employees of participating organizations) comes with 0% APR for six months on balance transfers without the fees! You can transfer a balance for free during the first six months. Just watch out for the annual after the first year is up!

Army Aviation Center FCU (active or retired military) is offering 2.99% APR on balance transfers for 12 months with a $0 balance transfer fee and normal rates after as low as 7.99% APR.

Bankers Trust Visa (AZ, IA, NE) comes with 0% APR for 6 billing cycles on balance transfers with a grace period for balance transfers during first six months (aka no fee) and no annual fee.

Baxter Credit Union Visa (BCU) (AR, CA, FL, GA, IL, IN, MA, MN, NC, OH, TX, UT) comes with 2.90% APR for a period of 365 days on both purchases and balance transfers without a balance transfer fee and annual fee.

Carter Federal Credit Union (AR, LA) offers 2.99% APR for six months with no annual fees/balance transfer fees.

Centra Credit Union YOU Card (IN, NC, NY) offers 0% APR for 6 months from account opening on purchases and balance transfers. Check the fees as website isn’t clear on them.

Chiropractic Federal Credit Union (MI, MN, OH) offers 0% APR for the first six months on balance transfer amounts of $1,000 or more and they don’t mention any fees (check to be sure).

CommonWealth One FCU (DC, VA) has a 1.99% APR balance transfer special for 12 months with NO fees.

Congressional Federal FCU Visa Signature (DC, VA) offers 3.99% APR for 12 months with no balance transfer fee or annual fee.

Corning Credit Union Visa (NC, NY) offers 2.99% intro APR on balance transfers for the first year with no annual fee and no balance transfer fee.

Digital Federal Credit Union (DCU) Visa (MA, NH) – this is a true no cost balance transfer credit card that offers 0% APR for ~6 months with no balance transfer fee and no annual fee. You can even execute unlimited transfers without fees if you need to pay off multiple credit cards. They have branches in Massachusetts and New Hampshire. It’s unclear if you can apply for this card if you reside in other states.

Eastman Credit Union Visa (TN, VA) comes with 1.99% APR for six months on balance transfers with no annual fee or balance transfer fee.

Evansville Teachers FCU (IN, KY) has a no cost balance transfer with 0% APR for six months and no fees. Get on it!

Farmers Insurance FCU (AZ, CA, CO, ID, IL, KS, MI, OH, OK, OR, TX, WA) offers 2.99% APR for 12 months on transferred balances with no balance transfer fees. You can transfer balances up to your available credit limit.

FedEx Employees Credit Association Visa (AR, CA, IN, PA, TN) comes with 2.90% APR for 12 months on balance transfers with no balance transfer fee or annual fee.

Fibre Federal Credit Union (OR, WA) has a no fee balance transfer offer that comes with 1.9% APR for the first six months with no annual fee, after which an 8.9% APR applies.

First American FCU (AZ, NM) has a rate of 3.99% APR for six months on purchases and balance transfers with no fees.

First Commerce Credit Union (FL, GA) has a no fee balance transfer with 6-month promo APR of 3.99%. Also no annual fee on the First Commerce Visa. Their everyday rate is a low 8.24%.

FirstLight Federal Credit Union (NM, TX) has a special 1.99% APR through your March 2017 billing cycle on balances transferred to their Visa Platinum card with no balance transfer fee or annual fee!

FirstMerit Bank Platinum Rewards MasterCard (IL, MI, OH, PA, WI) offers 12 months of 0% APR on purchases and balance transfers with the balance transfer fee waived during the first 30 days! No annual fee either.

First South Financial Visa (MS, TN) comes with 1.99% APR for 6 months on balance traders with no fees.

First Tech FCU MasterCard (CA, CO, GA, ID, MA, OR, TX, WA) offers a rate of 3.99% APR on balance transfers for the first year with no balance transfer fee or annual fee.

Fort Campbell Federal Credit Union Visa (KY, TN) – rates as low as 2.90% APR for 12 months on balance transfers with no annual fee and no balance transfer fee. Just note that the balance transfer APR you ultimately receive can vary based on creditworthiness.

Fort Financial Credit Union (IN, MS, NC) is offering 3.90% APR on balance transfers for 12 months with no fees.

Fortera Credit Union (KY, TN) is offering 2.90% APR on balance transfers for 12 billing cycling with no balance transfer fee and no annual fee!

Global Credit Union (ID, WA) offers an amazing 3.99% APR on balance transfers with no fee to transfer and no annual fee. While the rate might be higher, it’s good until the balance is paid off in full.

Harvard University Employees Credit Union (HUECU) MasterCard (Harvard affiliation) – they offer two MasterCard options both with 3.99% APR for the first 12 months with no annual fee or balance transfer fee. The catch here is that you need a Harvard affiliation of some kind. I didn’t know Harvard-affiliated individuals needed credit cards…just kidding!

Heritage Credit Union Visa (IL, WI) offers intro rates as low as 2.99% APR on balance transfers for six months with no annual fee and no transfer fee. The rate then adjusts to a variable rate as low as 8.24% APR.

Hope Credit Union Platinum Visa (AR, LA, MS, TN) comes with a rate of 4.99% for six billing cycles on purchases and balance transfers with no fees.

Infirst Federal Credit Union (DC, VA) has a unique 0.80% APR for 12 months on purchases and balance transfers without fees.

Justice Federal Credit Union (CA, DC, GA, IL, NY, TX, VA, WV) offers a free balance transfer with no fees of any kind and 0% APR for six months. This deal is hard to beat.

Logix Platinum MasterCard (AZ, CA, DC, MA, MD, ME, NH, NV, and VA) – this credit union offers a truly free no fee balance transfer credit card. It comes with 0% APR for the first 12 months and no fees of any kind. You need to become a member but can do so online before you apply. Logix credit cards are available in eight states and DC. If you’re an existing customer in Texas or Florida you may also be able to apply.

M&T Visa (AZ, CO, DC, DE, FL, MD, NY, OR, PA, UT, VA, WA, WV) – until March 31st, 2016, no balance transfer fee, no annual fee, and 0% introductory APR on balance transfers for 12 months! Jump on this one ASAP!

Marine Federal Credit Union (NC, SC, VA) is offering a low rate of 2.98% APR for 12 months with no balance transfer fee or annual fee.

Mayo Employees Federal Credit Union (AZ, FL, MN, WI) offers 3.99% APR on balance transfers for 12 months for balances transferred within 30 days of card opening, no balance transfer or annual fee.

McGraw-Hill Federal Credit Union Visa Platinum (Select Employers Groups) is a free balance transfer. No balance transfer fee, no annual fee, and 0% APR for the first six months!

NRL Federal Credit Union Visa (DC, MD, VA) offers a rate of 1.90% APR for balances transferred for 12 months with no fees!

OE Federal’s Visa STEEL Credit Card (CA, CO, HI, NV, OR, UT) is a free balance transfers with no fees and 0% APR for six months on transferred balances. Tough to beat this strong deal.

OnPoint Visa (OR, WA) – this no-fee balance transfer card from the OnPoint Community Credit Union offers 1.99% APR for 12 months on balance transfers. Pretty much the lowest combination of no fee and APR you’ll find aside from zero. You can save over a standard upfront 3% balance transfer fee by paying down your balance during that 12 months.

Pacific Federal Credit Union Visa (CA, OH employees) offers a 3.9% balance transfer rate for 12 months and they don’t charge balance transfer fees or an annual fee.

Park Community Credit Union Visa (AL, IN, KY) comes with 0% APR for six months and no annual fee, balance transfer, or cash advance fee. In other words, FREE!

Premier America Credit Union Premier Privileges Rewards MasterCard (CA, TX) offers 0% APR for six months with no fees. Rock n’ roll!

Proponent Federal Credit Union Visa (NC, NJ) comes with 1.99% APR for six months on all transactions with no fee balance transfers and no annual fee.

Providence Federal Credit Union Visa Platinum (OR, WA) comes with 12-month introductory APR of 4.99% on balance transfers sans annual fee and balance transfer fee.

Red Canoe Credit Union (OR, WA) offers a low 1.90% APR on balance transfers for six months with no annual fee or balance transfer fee. Verify fees with them to be sure.

Red River Credit Union Visa (AR, TX) comes with 4.9% APR for six months on balance transfers and purchases with no balance transfer fees or annual fee.

Royal Credit Union (MN, WI) – get a low 2.9% APR on balance transfers until December 2017 with no transfer fee! This is one of the longest, lowest APRs I’ve come across. Also no annual fee.

SAC Federal Credit Union (IA, NE) has an introductory rate 1.99% APR no fee balance transfer offer that carries no annual fee. Promo rate is good for six months.

Service 1 FCU Visa (AL, MI, MO) offers 3.9% APR for 18 months on balance transfers without transfer fees. Higher APR but longer period to pay it off.

Signal Financial Federal Credit Union (DC, MD, VA) offers a super low 2.95% for a long 24 months on balance transfers with NO balance transfer fee (assume no annual fee either).

Southeast Financial Credit Union (KY, MS, TN) is offering 5.25% intro APR for 6 months on purchases and balance transfers with no fees.

Spokane Teachers Credit Union MasterCard (ID, WA) – offers 1.90% APR on balance transfers for the first 13 billing cycles with no balance transfer fee and no annual fee. Or 3.99% APR for balance transfers to existing STCU MasterCard holders through March 2017, also with no fees.

Sun East FCU Platinum MasterCard (DE, PA) offers 0% APR for six months on balance transfers and purchases with no balance transfer fee or annual fee. Free, free, free!!

SunTrust Prime Rewards MasterCard (AL, AR, FL, GA, MD, MS, NC, SC, TN, VA, WV, DC) offers three years of prime APR, currently 3.50%, with no fees on balance transfers and no annual fee. Must complete balance transfer in first 60 days of account opening.

Teachers Credit Union (IN, MI) offers a relatively low 3.99% APR on balance transfers for 12 months with no annual fee and no transaction fees. The best part is after the 12 months the APR can be as low as 7.49%.

Texar Federal Credit Union MasterCard (AR, TX) features intro APR of 2.99% for six months with no balance transfer fee or annual fee.

Trustmark Visa Platinum (AL, FL, MS, TN, TX) comes with 0% APR for six months on purchases/balance transfers with no annual fee or balance transfer fee.

TwinStar Credit Union (OR, WA) is offering a practically free 0.99% APR on balance transfers for 12 months with no balance transfer fees!

Unilever FCU (Unilever employees) is offering 3.25% APR on balance transfers for the first 12 billing cycles and you pay $0 to transfer your balances.

United Nations Federal Credit Union (DC, NY) is offering a 0% APR promotional rate for 12 months on all balance transfers with no fees.

Unitus Community Credit Union (OR, WA) offers a low 2.99% APR on balance transfers until April 30, 2017 with no annual fee or no fee for balance transfers.

U.S. Postal Service FCU Visa (CA, DC, MD, NC, PA,) is offering a promotional rate of 1.99% APR on credit card balance transfers for 12 months with no balance transfer fee.

Valley Federal Credit Union Platinum Rewards Visa (MT, WY) comes with 1.99% APR for 6 months with no balance transfer fees or annual fee.

Western Federal Credit Union (AL, AR, CA, CO, IN, KY, MI, MS, TN, TX, UT, VA, WV) offers balance transfer rates as low as 4.99% APR for 12 months with no annual or balance transfer fees.

Xceed Financial Credit Union Platinum Visa (CA, CT, NJ, NY, TX) has a low 1.99% APR for the first 12 months and they’re waiving the balance transfer fee. Good deal that won’t last!

Xcel Federal Credit Union Visa (NJ, NY) comes with 0% APR for six months with no annual fee or balance transfer fee. In other words, free!

Single State No Fee Balance Transfer Offers

Alabama

Alabama Teachers Credit Union (AL) is offering 2.99% APR for six months on balance transfers. I don’t think they charge a balance transfer fee.

APCO Employees Credit Union Platinum Visa (AL) offers a special low rate of 2.99% APR on balance transfers for six months with no balance transfer fee or annual fee.

Avadian FCU Visa (AL) comes with an intro rate of 4.99% APR for six months on purchases and balance transfers without the usual fees.

Bank of Tuscaloosa Visa (AL) offers 0% APR for the first 6 months from account opening with no balance transfer fee or annual fee. Free offer!

Coosa Pines Federal Credit Union (AL) balance transfer promotion offers 1.99% for six months on balance transfers with no balance transfer fee or annual fee.

Arizona

American Southwest Credit Union Visa Platinum (AZ) comes with 1.99% APR on balance transfers for a lengthy 18 months without the fees!

Arizona State Credit Union (AZ) has two Visa credit cards with no annual fee, no balance transfer fee, and 3.90% APR for nine months when you transfer a balance. Could save you money over the upfront standard 3% balance transfer fee.

First Credit Union Visa (AZ) offers 4.9% APR on purchases and balance transfers for the first nine billing cycles with no annual fee & no balance transfer fees.

Pima Federal FCU Visa (AZ) offers 2.99% APR on balance transfers for 15 billing cycles, no balance transfer fee or annual fee.

Tucson Old Pueblo Credit Union Visa (AZ) comes with 2.99% APR for the first six months on purchases/balance transfers with no fees.

VantageWest Credit Union (AZ) offers 2.99% APR for six billing cycles on balance transfers with no balance transfer fees and no annual fee.

Arkansas

Arkansas Federal Credit Union Visa (AR) comes with 0% APR for six months and no balance transfer fee and no annual fee. Fee free!

Telcoe Federal Credit Union (AR) is offering 1.99% APR for 15 months on balance transfers with no annual fee and potentially no balance transfer fee. Inquire before you transfer!

TruService Community FCU (AR) is offering 1.90% APR for six months on purchases, balance transfers, and cash advances with no balance transfer fees, annual fees, or over-limit fees.

California

Aerospace FCU Visa (CA) offers a pretty out of this world 1.6% APR for 16 months (in honor of 2016) on balance transfers with no annual fee or transfer fee. Great offer!

Cabrillo Credit Union (San Diego area) is offering a cash back balance transfer in which you get $60 if you transfer at least $1,955. And you get 0% APR for six months with no fees!

California Coast Credit Union (Southern CA) is offering 2.88% APR on purchases and balance transfers until June 30, 2019 with no balance transfer fees. That’s nearly two years of super low APR!

California State & Federal Employees Credit Union (CA) is offering a very low 0.65% APR on balance transfers for one year to celebrate their 65th anniversary. Also pay no balance transfer fees!

Caltech Employees FCU MasterCard (CA) comes with 4.75% APR promotional APR until October 19th, 2016 with no fees.

CBC Federal Credit Union Visa (Southern CA) comes with 4.50% APR for six months (7.50% APR thereafter) and a $0 fee-free balance transfer.

Coast Hills Platinum Rewards Visa (CA) comes with a special introductory 1.99% APR on balance transfers with no fee. No annual fee either and relatively low APR after promotional period ends.

Credit Union of Southern California (CA) – 1.99% fixed promo APR for the first 12 months on balance transfers with no annual fee and no transfer fee. Good deal.

El Monte Community Credit Union (Southern CA) is offering 3.99% APR on balance transfers for six months with no annual fee or balance transfer fee.

First U.S. Community Credit Union (Northern CA) is offering 0% APR for 6 months on all transactions with no fees. Woot!

Kern Schools Federal Credit Union Visa (CA) offers APR as low as 4.99% on balance transfer through your April 2017 statement with no annual fee and no balance transfer fees!

KeyPoint Credit Union (Northern CA) has you covered with a free balance transfer: no fees and 0% APR for six months!

***Los Angeles Federal Credit Union (CA) is offering $100 cash back if you transfer at least $1,000 to them and you get 0% APR for 12 months with no fees as far as I can see. This is better than free!

Los Angeles Police FCU (Southern CA) has a 6-month introductory rate of 0.00% APR with no balance transfer or annual fee. Hot dog!

Mendo Lake Credit Union Visa (CA) comes with 2.99% APR for 12 months without balance transfer fees and no annual fee.

Pasadena Federal Credit Union Visa (CA) comes with an intro rate of 4.99% for 12 months and no fees.

Premier America Credit Union (CA) is offering a free balance transfer with 0% APR for six months and no fees. Jump on this now!

Sacramento Credit Union (CA) has a great free offer with 0% APR for six months and zero balance transfer fee. Sweet!

Safe Credit Union Platinum Visa (CA) offers 0% APR on balance transfers for the first 6 months with no balance transfer fee or annual fee.

San Mateo Credit Union Visa Platinum (CA) comes with 1.99% APR for 12 months on purchases and balance transfers with no balance transfer fee during the promotional period and no annual fee. Solid deal.

Santa Clara County FCU Visa Platinum (CA) has an introductory rate of 2.99% APR for the first 12 months on purchases, balance transfers and cash advances with no annual fee or cash advance fee for balance transfers.

Schools Federal Credit Union Visa (CA) has a discounted balance transfer rate as low as 1.75% for 12 months and they’re “waiving the annoying balance transfer fee.” Also no annual fee.

Schools Financial Credit Union (CA) offers 1.99% APR for six months from the date of transfer with no balance transfer fee or annual fee!

Tucoemas Federal Credit Union Visa (CA) comes with an intro rate of 2.35% APR on balance transfers for 6 billing cycles with no balance transfer fee or annual fee.

Connecticut

360 Federal Credit Union (CT) has a no cost balance transfer with 0% APR for 12 statement cycles. Can’t get much better…

Dutch Point Credit Union (CT) wants to “eliminate abominable holiday credit card debt” with their 2.99% APR no fee balance transfer. That low rate is good for the first year.

Nutmeg State Financial Credit Union (CT) has a Visa with 4.99% APR on balance transfers for 12 months. No balance transfer fee or annual fee.

Seasons Federal Credit Union (CT) offers 1.99% APR for all applicants, free balance transfers, and no annual fee.

Colorado

Coors Credit Union Visa (CO, MillerCoors employees) is offering a “once in a blue moon offer” of 2.99% APR on balance transfers for 12 months with no fees. After that rate is as low as a fixed 7.90%.

Northern Colorado Credit Union (CO) offers a promotional rate of 2.80% for 6 months on balance transfers with zero balance transfer fees and I’m assuming no annual fee.

Options Credit Union (CO) is offering a $2 balance transfer. Yes, you read that right. For two bucks you get 0% APR for six months. Basically free. We’ll mark it green…

Partner Colorado Credit Union Platinum Visa (CO) offers 1.99% APR for 12 months from balance transfer date with no balance transfer fee or annual fee.

Westerra Credit Union (CO) – 1.99% intro APR on balance transfers for 12 months with no balance transfer fee. Variable rate of 8.15% – 19.15% APR thereafter. No annual fee.

DC

Bank Fund Staff Federal Credit Union Visa Signature (bank employees, DC) offers 1.9% APR on balance transfers for the first 12 billing cycles and does not charge a balance transfer fee or annual fee.

Delaware

Del-One Federal Credit Union (DE) offers a completely free balance transfer with 0% APR for the first six months. No balance transfer fees or annual fee.

Florida

Brightstar Credit Union Visa Platinum Cash Rewards (FL) is a no cost balance transfer with 0% APR for six billing cycles. Doesn’t get much better.

Campus USA Credit Union (FL) offers 3.9% APR for 12 months on balance transfers with no balance transfer fee or annual fee.

CFE Federal Credit Union (FL) allows you to pay down your debt at 1.99% APR for 12 months with no transfer fees, no annual fees, and no cash advance fees. Post-promo rates as low as 9% APR.

Community Credit Union (FL) is offering 3.99% APR on its Visa Platinum card for 12 months with 1% cash back on the balances you transfer from other credit card issuers. No balance transfer fees or annual fee.

Community First Credit Union (FL) offers 4.9% APR on balance transfers for 12 months with no balance transfer fee and no annual fee.

Dade County Federal Credit Union (DCFCU) Visa Platinum (FL) – their “resolution solution” for the New Year is a 0% APR balance transfer with no BT fee and no annual fee. It’s set at 0% APR for six months. They also have a life of the balance option set at a very low 3.99%.

First Florida Credit Union Diamond Awards Visa (FL) has 1.90% APR six-month balance transfer offer with no fees to transfer and no annual fee.

Florida Central FCU (FL) has a no fee offer for existing customers; 2.99% APR for 12 months with no transfer fee!

Florida State University Credit Union (FL) offers APR as low as 0% for 12 billing cycles with no annual fee and possibly no balance transfer fee. The terms on their website are a bit jumbled so ask before you transfer.

Grow Financial FCU Visa (FL) comes with 1.99% APR for six months with no fees to transfer and no annual fee.

GTE Financial (FL) has a 1.99% APR balance transfer special offered until March 2017 with no transfer fee!

Insight Credit Union (FL) offers 3.99% APR for 12 months with NO balance transfer fees or annual fee.

Keys Federal Credit Union (FL) has an introductory offer of 2.9% APR for 6 months on balance transfers with no annual fee and no balance transfer fee during the first 6 months. These terms apply to three different Visa cards they offer.

Martin Federal Credit Union (FL) offers 2.99% APR for 18 months on balance transfers with no fees and no penalty rate for late or missed payments.

MidFlorida Credit Union (FL) offers a higher 4.99% intro APR, but it’s good for a full 36 months. And they don’t charge a balance transfer fee during the first 90 days. Also no annual fee.

South Florida Educational Federal Credit Union (FL) offers a low rate of 1.99% APR on balance transfers until the end of January 2017 with no balance transfer fee or annual fee, and no summer payments required, whatever that means…

South Florida Federal Credit Union (FL) offers 3.99% APR on balance transfers, no annual fee, and no balance transfer fee.

Space Coast Credit Union Platinum Visa (FL) – 0% APR for the first six billing cycles with no balance transfer fee or annual fee. Rises to between 10.99% and 17.99% thereafter.

Sun Credit Union Visa (FL) has 3.99% introductory APR on balance transfers for six months with no balance transfer or annual fee

Suncoast Credit Union (FL) has a nice long 2.9% APR balance transfer deal for 18 months with…drumroll…no balance transfer fee! Good deal for someone that’ll need more time.

Tampa Bay Federal Visa Platinum Credit Card (FL) offers 2.49% APR for 12 months on balance transfers with no balance transfer fees and no annual fee.

Tropical Financial Credit Union (FL) has a pretty sweet deal. You get 0% APR for 12 months on purchases and 0% APR for six months on balance transfers with no balance transfer fee.

Tyndall FCU Visa (FL) offers 0% promotional APR for 6 months with no balance transfer fees.

Velocity Community Credit Union (FL) is offering a 0% balance transfer offer for six months with no fees. Don’t miss this!

Georgia

Associated Credit Union Visa (GA) offers 3.9% APR on balance transfers for 12 months, no annual fee, no balance transfer fee.

GEMC FCU (GA) offers 0% APR for six months on balance transfers with no fees as far as I can see. Verify with them first to be sure.

Georgia’s Own Credit Union (GA) offers 3.99% APR on balance transfers until December 31st, 2016 with no transfer fees.

Georgia United Credit Union (GA) offers a low 1.99% APR for 12 months on balance transfers and purchases with no balance transfer fee or annual fee.

LGE Community Credit Union Visa Business Platinum (GA) offers 3.99% introductory APR until December 2016 with no balance transfer fee or annual fee.

Northwest Georgia FCU (GA) offers 2.99% APR on balance transfers for 12 months without a balance transfer, annual fee, or default penalty rate for late payment.

Peach State FCU Visa (GA) offers 0% APR for six months on balance transfers and purchases with no fees. Four letters: F-R-E-E!

Hawaii

Hawaii Central FCU Visa (HI) comes with a low 2.99% APR on balance transfers for the first six months with no balance transfer fee or annual fee.

Idaho

CapEd Credit Union (ID) is offering 4.90% APR on balance transfers for 12 months with no balance transfer fee/annual fee.

ISU Credit Union MasterCard (ID) offers a rate of 2.99% APR on purchases and balance transfers for six billing cycles with no fees.

Illinois

Abri Credit Union Visa Platinum (IL) comes with 1.99% APR for the first six months on balance transfers with no balance transfer fees and no annual fee.

Alliant Visa Platinum (or Platinum Rewards) – (IL) this Chicago, Illinois-based credit union offers two 0% APR credit cards with no balance transfer fee. Both offer 0% APR for 12 months, but you need to be a member to get approved for one of these offers. If you’re not a member you can make a $10 donation to Foster Care to Success, so it’s not truly free, though it is for a good cause. Also note that your credit score could bump up your intro APR north of 0%, so there’s guarantee here.

Chicago Patrolmen’s Federal Credit Union Visa (IL) comes with a rate as low as 3.90% APR not just for six or 12 months, but for the life of the balance transferred! Oh, by the way, no balance transfer fee or annual fee!!

Community Trust Credit Union (IL) is offering a rate of 1.99% on balance transfers for six months sans a balance transfer fee. Variable rate as low as 7.20% thereafter.

Consumers Credit Union Visa Platinum (IL) offers 2.99% APR for the first 12 billing cycles on balance transfers all with no balance transfer fee and no annual fee.

Dupaco Community Credit Union (IL) is offering 4.9% APR on balance transfers for six months with no fees.

DuPage Credit Union Visa Platinum Advantage (IL) offers 3.90% APR on balance transfers for 12 months with $0 balance transfer fee and $0 annual fee. Slightly higher APR but no fees.

Earthmover Credit Union (IL) has a no fee balance transfer special with 1.99% APR for 12 months. Great deal!

Encore Federal Credit Union Platinum Visa (IL) offers a promotional rate of 1.90% APR for 12 months without the fees. Great deal even if it’s not completely free.

First Financial Credit Union (IL) has a Visa balance transfer special whereby you receive 2.99% APR on balance transfers for 12 months with no balance transfer fees.

Meadows Visa Platinum (IL) – this credit card from the Meadows Credit Union is another completely free balance transfer. Enjoy 0% APR for 12 months with no annual fee and no balance transfer fee. Hard to beat those terms! And after the 0% APR ends the rate can still be a somewhat reasonable 10.24% APR depending on creditworthiness.

Mid-Illini Credit Union VISA credit card (IL) comes with 4.95% APR for a full 12 months with $0 balance transfer fee and $0 annual fee.

Scott Credit Union (IL) rate as low as 0% APR for six billing cycles, possibly no fee, inquire within.

SIU Credit Union Visa (IL) offers an introductory rate of 2.9% APR for a lengthy 15 months on balance transfers with no balance transfer fee and no annual fee. Nice long period to pay off a lot of debt.

SourceOne Credit Union (IL) offers 12 months of 1.99% APR on balance transfers with no annual fee and no cash advance fees (which I believe is in reference to balance transfer fees).

Streator Onized Credit Union (IL) offers 0% APR for 12 months on balance transfers with no mention of fees (contact them to verify).

U of I Employees Credit Union Visa Rewards (IL) card comes with a rate as low as 3.89% APR on balance transfers with no balance transfer fees, annual fees, cash advance fees, and even foreign transaction fees!

Indiana

Elements Financial (IN) offers 0% APR on balance transfer for six months with no balance transfer fee, late payment fee, or annual fee. And no penalty rates. Can’t beat that!

Financial Center FCU (IN) is offering 2.99% intro APR on purchases and balance transfers for 12 months with no BT fee and 2,500 rewards points upon transfer.

Forum Credit Union (IN) has a no fee balance transfer with intro APR of 2.99% for 12 months and no annual fee.

Harvester Financial Credit Union (IN) offers a free balance transfer, aka no fees and 0% APR for six months. These deals can never be beat.

Heritage Federal Credit Union (IN) is offering introductory 2.99% APR on balance transfers for 12 months with no balance transfer fee or annual fee.

iAB Financial Bank Visa (IN) offers 0% APR for the first six billing cycles on balance transfers with no annual fee. And the balance transfer fee is waived for balance transfers made at account opening!

IU Credit Union – (IN) this Indiana-based credit union offers 2.99% APR for 12 months on balance transfers with no annual fee or balance transfer fee. You can pay off up to four different credit cards using one form. Sweet!

Members Advantage Credit Union Visa (IN) comes with a low 1.99% APR on balance transfers for the first six months with no annual fee, no balance transfer fee, and no fee for multiple balance transfers. After that the APR could be as low as 8.50%.

Notre Dame Federal Credit Union Visa (IN) – are you “Irish?” If so, and even if not, they’ve got two Visa credit card options with your name on them that offer 0% APR for the first six months with no balance transfer fee.

Purdue Federal Credit Union Visa (IN) – offers 1.9% APR for 12 months on balance transfers with no balance transfer fee and no annual fee. After intro APR ends it will rise to between 11.5% and 17.5%.

Via Credit Union (IN) is offering 3.5% APR on balance transfers for 12 months with no balance transfer fees.

Iowa

Ascentra Credit Union (IA) offers 2.99% APR for six months on balance transfers with no transaction fees or annual fee.

Collins Community Credit Union Visa Platinum (IA) comes with 2.99% introductory APR for the first six billing cycles with no annual fee or balance transfer fee.

Greater Iowa Credit Union Signature Visa (IA) offers 1.99% intro APR on purchases and balance transfers for 12 months with no fees.

University of Iowa Community Credit Union (IA) offers a fixed introductory rate as low as 0% for the first six months on purchases and balance transfers with no balance transfer transaction fees or annual fee.

Kansas

Envista Credit Union Black Visa (KS) comes with 2.29% APR on balance transfers for six billing cycles and no fees. And it’s a black card, which is apparently cool…

Mainstreet Credit Union MasterCard (KS) comes with rates as low as 4.99% APR for 12 months on balance traders without fees.

Skyward Credit Union Platinum MasterCard (KS, Textron Aviation employees) comes with 3.99% APR for six months on balance transfers with no balance transfer fees and no annual fee.

The TECU Visa Credit Card (KS) comes with a very reasonable 1.99% APR for 12 months on balance transfers and no balance transfer fee or annual fee.

Kentucky

Fort Knox FCU Visa Platinum (KY) is a free balance transfer with 0% APR for 12 months on balance transfers with no balance transfer fee or annual fee. One of the best deals available!

Louisiana

Barksdale Federal Credit Union Visa (LA) comes with 1.99% APR on balance transfers for 12 months with no fees.

La Capitol FCU Visa (LA) comes with 0% APR on balance transfers for 12 months when you transfer a balance within 90 days of account opening with no balance transfer fee or annual fee! Freebie!

Louisiana Federal Credit Union Platinum Student Advantage Rewards (LA) offers an utterly amazing 0% APR for two years on purchases and balance transfers with no transaction fee for balance transfers and no annual fee.

Ouachita Valley FCU (LA) offers a rate of 5.99% for the first six months on balance transfers and purchases with no fees.

Pelican State Visa (LA) comes with a low 4.90% APR on balance transfers (non-intro rate) that varies based on the Prime Rate. No fees.

Maine

Biddeford Savings (ME) appears to be offering 0% APR for 12 months on balance transfers with no balance transfer fees for six months. It’s a little unclear if this is a no fee offer, so inquire with the bank before you proceed.

Midcoast FCU Basics Visa (ME) come with 3.99% APR for 12 months on balance transfers with no fees.

NorState FCU (ME) Visa comes with 2.99% APR for 12 months on balance transfers with no fees.

Oxford FCU Visa (ME) comes with a higher APR of 6.90% but they rebate 2% of the balance transfer if it’s for $500 or more and don’t charge fees.

PeoplesChoice Credit Union Visa (ME) offers 2.99% APR on balance transfers for the first 12 billing cycles with no fees of any kind.

University Credit Union (ME) – 3.99% APR for 12 billing cycles on balance transfers with no balance transfer fee and no annual fee. Rate as low as 7.99% thereafter.

Maryland

Baltimore County Employees FCU Visa (MD) comes with an introductory rate of only 1.90% APR on balance transfers for the first six months with no fees.

First Financial of Maryland FCU (MD) offers 1.90% APR for six months on balance transfers with no fees.

MECU of Baltimore Visa (MD) comes with a nice 1.99% intro rate on balance transfers for 12 months with no fees to hold you back.

Mid-Atlantic Federal Credit Union (MD) is offering 0% APR for six months on purchases and balance transfers without fees!

Money One Federal Credit Union Visa (MD) is a 0% APR balance transfer (and 0% on purchases) for six months with no fees to worry about!

Tower Federal Credit Union MasterCard (MD) offers a special intro 4.99% APR balance transfer rate for 12 months with no balance transfer fees to worry about.

Massachusetts

Align Credit Union (MA) has a low intro rate of 1.99% APR on balance transfers for six months with no fees.

***Central One Federal Credit Union (MA) offering a balance transfer where they pay you. Yeah, it seems kind of hard to believe but is apparently true. Not only do you get 0% APR for six months on balance transfers without a balance transfer fee or annual fee, you also receive 2% of your balance transfer in cash, up to $500 in value.

City of Boston Credit Union Visa Platinum (MA) comes with 3.99% APR for the first 12 months without a balance transfer fee and no annual fee.

Clinton Savings Bank (MA) offers a balance transfer with no fee if you make the transfer at account opening. You get 0% APR for six months.

Jeanne D’Arc Credit Union (MA) offers 1.99% APR for the first six months on balance transfers with no BT fee and no annual fee on credit lines as high as $25,000.

Mass Mutual FCU (MA) has a balance transfer special of 3.99% APR for 12 months with I believe no fees. Check with them to be sure.

Southern Mass Credit Union (MA) is offering a rate as low as 3.99% on balance transfers until paid in full. Check on fees and APR with them.

Michigan

AAC Credit Union Visa (MI) gives you 1.99% APR on balance transfers until September 30th with no fees.

Advantage One FCU (MI) has a very low 0.99% APR no fee balance transfer offer that is good for six billing cycles. No annual fee either.

Advia Credit Union Visa Platinum (MI) comes with 3.99% APR for one year on balance transfers with no annual fee, balance transfer fee, or cash advance fee.

Christian Financial Credit Union Visa (MI) – get 0% APR for six months on balance transfers with no annual fee and no balance transfer fee. It’s their solution to “get rid of holiday baggage.”

Community Alliance Credit Union (MI) is offering 0% APR on balance transfers for the first six months with no annual fee and no balance transfer fee (as far as I can tell).

Consumers Credit Union (MI) offers a no fee balance transfer with 0% APR for six months. Awesome!

Credit Union Advantage (MI) is offering 2.99% APR on balance transfers for 12 months with no annual fee or balance transfer fee (confirm fees with bank because it was somewhat unclear).

East Traverse Catholic FCU (MI) is offering 2.99% APR on balance transfers for 12 months with no balance transfer fees!

Educational Community Credit Union (MI) offers 0% APR on credit card balance transfers for 9 months with no transfer fee!

Financial Plus Federal Credit Union Visa (MI) – snag 1.99% APR through March 2017 with no balance transfer fee, no cash advance fee, and no annual fee. Generous credit limits as high as $25,000.

Honor Credit Union (MI) is offering a low rate of 2.99% APR for 12 billing cycles without any fees.

Kalsee Credit Union (MI) is into “slimming down your debt” with a fee-free balance transfer that is set to 0.99% APR for six months.

Lake Trust Credit Union (MI) has an unbeatable 0% APR for 12 months no fee balance transfer offer. Nuff said.

Michigan Educational Credit Union (MI) – get a low 2.99% APR on balance transfers for 12 months. MECU doesn’t charge a fee for balance transfers or an annual fee.

Michigan State Federal Credit Union (MI) is offering 0% APR on transferred balances until June 30th, 2016 with no balance transfer fee. You can also get 0% APR balance transfer checks.

Oakland University Credit Union (MI) offers free balance transfer checks with 0% APR for six months with no fees to move your balances to them.

Parkside Credit Union (MI) offers a free balance transfer (no balance transfer fee) with 0% APR for six months. Get on it!

People Driven FCU (MI) has a 3.99% APR intro rate on balance transfers for six months, no fees.

Sage Link Credit Union (MI) has a no fee offer with 4.5% APR for 12 months.

Shore to Shore Community FCU (MI) offers 0% APR for the first six months with no fees mentioned.

TLC Community Credit Union (MI) has a 1.74% APR no fee balance transfer. Pretty darn close to free!

Minnesota

Associated Healthcare Credit Union (MN) has a 2.99% APR balance transfer for 12 months with no fees to speak of to boost your financial health. APR thereafter will be between 7.99% and 17.99%.

Hiway Federal Credit Union (MN) has a 1.99% APR 12-month introductory rate on balance transfers and they waive the balance transfer fee.

MidMinnesota FCU Visa (MN) comes with 1.99% intro APR for six months with no fees!

Novation Credit Union (MN, 3M employees) – 3.90% APR for the life of the balance(s) transferred with no balance transfer fee or annual fee. Solid offer for someone who needs a lot of time to pay down a balance.

Sharepoint Credit Union (MN) has a no fee 0% APR balance transfer for six months. Act fast on this one!

Mississippi

Mississippi FCU Visa (MS) comes with 1.99% APR for six months with no fees.

Missouri

Central Missouri Community Credit Union Visa (MO) comes with 0% intro APR on balance transfers and purchases for six months with no fees. As good as it gets!

Health Care Family Credit Union (MO) offers rates as low as 2.9% APR on balance transfers for six months with no pesky fees to worry about.

Infuze Credit Union (MO) is offering a rate of 2.98% APR for 12 billing cycles on balance transfers with NO fees!

United Credit Union (MO) is offering an introductory rate of 2.90% APR for 6 Months on balance transfers with no transfer fee and 1% cash back on purchases.

Montana

Valley FCU (MT) has a promo rate of 1.99% APR on balance transfers for six months with no balance transfers fees!

Nebraska

Nebraska Energy FCU (NE) has an intro rate of 6% on balance transfers for 24 months with no fees. Higher rate but longer period to pay it off.

Nevada

Sierra Pacific FCU (NV) is offering a rate of 1% on balance transfers for six months with no fees!

Silver State Schools FCU Visa (NV) comes with a rate as low as 2.25% APR on balance transfers without fees.

New Hampshire

Holy Rosary Credit Union (NH) offers 4.99% APR for 12 months with no fees of any kind. A bit higher than others but no fees and a longer period of low APR.

New Jersey

ABCO FCU (NJ) has a fixed rate of 6.75% APR on balance transfers and no fees. Great rate that won’t change!

Affinity Federal Credit Union (NJ) is offering a low balance transfer rate of 2.99% APR until October 2017. Long and low, oh, and did I mention no fee!

United Teletech FCU (NJ) has several credit cards that offer completely free balance transfers for six months. 0% APR and no fees. Unbeatable!

Vision FCU (NJ) has a no cost balance transfer for six months with 0% APR.

New Mexico

The Kirtland FCU Independence Card (NM) offers a low 2.99% APR on balance transfers until December 2016 with no annual fee and no balance transfer fee. You also get one entry in a $500 prize drawing for each credit card balance you transfer before March 31st, 2016.

Nusenda Federal Credit Union Visa Platinum (NM) comes with 5% APR on balance transfers for the first 18 months from card opening with no balance transfer or annual fees. Slightly higher APR but a nice long promo period.

Sandia Area FCU (NM) is offering 2.99% APR for six months on balance transfers with no fees to transfer and no annual fee!

New York

Bethpage Federal Credit Union MasterCard (NY) comes with 2.99% intro APR on balance transfers and purchases for 12 months with no fee on balance transfers.

Bridgeway Federal Credit Union (NY) offers a low introductory rate of 1.99% on balance transfers for 6 months with no “service fee” on balance transfers but they do charge a pesky $5 annual fee.

Dannemora Federal Credit Union (NY) charges no annual fee, no balance transfer fee, and offers 3.99% intro APR on balance transfers for 6 months.

ESL Federal Credit Union Visa Gold (NY) come with 3.99% APR for six months on balance transfers with no annual fee or balance fee.

Hudson Heritage FCU (NY) is offering 3.99% APR on balance transfers for seven months with no balance transfer fee and no annual fee from what I’m aware of.

Hudson River Community Credit Union (NY) offers a 0% APR no fee balance transfer for six payment cycles, thne as low as 8.90% thereafter. Great offer!

Island Federal Credit Union (NY) is offering 1.99% fixed APR on balance transfers for the first 18 months with no fees!

Lower East Side People’s FCU (NYC) has an interesting no fee balance transfer offer. You get 3.99% APR for a full 24 months with 0% transfer fee and no annual fee. Slightly higher rate but very long promotional period.

Mid-Hudson Valley FCU (NY) is offering a 0% APR 6-month introductory rate on balance transfers with no fees!

Municipal Credit Union Worry-Free Visa (NYC) comes with APR between 3.9% and 5.9% on balance transfers for six months sans fees.

Quorum Federal Credit Union (NY) offers 0% intro APR for 12 months on balance transfers and purchases with no balance transfer or annual fees. Unbeatable.

Reliant Community Credit Union (NY) offers nearly-free 0.99% APR for six months with no fees to worry about and low “regular rates” after that.

North Carolina

ABNB FCU (NC) is offering 1.99% APR on balance transfers for 6 months with no fees.

Champion Credit Union offers (NC) fixed rate as low as 6.9% APR with no fees on balance transfers and no annual fee. Take all the time you need.

Charlotte Metro Credit Union (NC) offers 0% APR on purchases and balance transfers for six months with no fees whatsoever.

Coastal Federal Credit Union (NC) has several Visa cards that are totally free, including one for as long as 48 billing cycles for students. Most folks will enjoy 0% for six months with no annual fee or balance transfer fee. Can’t beat that!

RTP Federal Credit Union (NC) has a 2.99% APR 12-month balance transfer offer with no annual fee or balance transfer fee. The hitch is that you need an eChecking account with them, otherwise the rate is 3.99% APR.

Ohio

Cincinnati Police FCU (OH) is offering 2.99% APR for 24 months with a $0 balance transfer fee, which gives you plenty of time to pay it off in full.

Clearview FCU (OH) is offering 3.99% APR for 12 months on balance transfers and there’s no balance transfer fee!

CSE Federal Credit Union (OH) has a seasonal balance transfer offer that comes with 2.99% APR for 6 months from the date of the transfer with $0 annual fee and $0 balance transfer fee.

Emery FCU (OH) offers rates as low as 4.39% APR on balance transfers with no fees.

Firefighters Community Credit Union Visa Great Rate Card (OH) comes with a rate of 1.99% APR for the first 12 months on balance transfers with a $0 balance transfer fee and no annual fee to fuss about.

Glass City FCU Visa (OH) comes with 3.99% APR for six months on balance transfers with no fees.

Medina County FCU (OH) is offering a rare free balance transfer and calling out those other “free” ones. you get 0% APR for six months on balance transfers with NO fees. Can’t beat this deal.

Ohio Catholic FCU (OH) has a 0% APR balance transfer for six months sans fees! Get it while it’s hot!

Ohio University Credit Union (OH) is offering 1.90% APR for 12 months on balance transfers without fees.

PSE Credit Union (OH) has a 3.99% APR special on balance transfers. Limited details, but might be no fee.

Scott Associates Credit Union Inc. (OH) offers 0% APR for six months on balances transferred with no balance transfer fees or annual fee.

Unity Catholic FCU (OH) offers either 0% APR for six months or 2.99% APR for 12 months on balance transfers without fees. Free is you go for the six-month offer!

VacationLand FCU (OH) is offering 1.90% APR for the first six months on balance transfers with no fees.

Oklahoma

Tinker Federal Credit Union (OK) is offering a rather high 4.99% APR on balance transfers for a year, but no annual fee or balance transfer fee. could save some money over the upfront fee.

Tulsa Federal Credit Union Traditions Visa (OK) offers a low 2.99% APR for a year on balance transfers with no balance transfer fee and no annual fee.

USE Credit Union Visa (OK) comes with 2.99% APR for six billing cycles on balance transfers with no fees.

Weokie Credit Union (OK) wants you to enjoy 3.9% APR for balance transfers, cash advances and purchases for six months with no fees!

Oregon

Maps Credit Union (OR) offers a promo 4.9% APR balance transfer rate for 13 billing cycles and no balance transfer fees. Not the lowest rate out there but 13 months is a decent chunk of time.

TLC Credit Union (OR) is offering 1.9% APR on purchases and balance transfers for six months with no balance transfer fees or annual fee.

Wauna Credit Union (OR) has a credit card balance transfer special of 1.99% APR for 12 months with I believe no fees. Verify with them to be sure!

Pennsylvania

Allegant Community FCU (Pittsburgh, PA) is offering 3.99% APR for 12 months on balance transfers without the expensive fees.

Americhoice FCU Visa (PA) comes with 2.99% APR for 12 months on balance transfers and they never charge a balance transfer fee.

Belco Community Credit Union (PA) has a balance transfer special where you get a low 2.49% APR for 12 months with no balance transfer fee or annual fee. Low rate applies to purchases as well!

BHCU Visa (PA) offers a rate of 0.99% APR for six months on balance transfers without the balance transfer fee. Doesn’t get much closer to free than this.

Citadel Federal Credit Union (PA) offers 2.99% APR for six months on balance transfers with no annual fee or balance transfer fees and 3% cash back on the amount transferred (up to $150 bonus). This makes it free or even a moneymaker.

Clearview Federal Credit Union Visa (PA) has 3.99% APR until March 2017 with no transfer fees.

Cornerstone Federal Credit Union Visa (PA) comes with a low 2.9% APR for six billing cycles on purchases, balance transfers and cash advances. And no annual or balance transfer fee. Or cash advance fee for that matter.

Erie Federal Credit Union Platinum MasterCard (PA) comes with 2.99% APR until December 31st, 2016 with no balance transfer fee, which they refer to as a thing of a past (we wish!).

Freedom Credit Union Visa (PA) comes with a ultra-low, practically free 0.99% APR for six months and no fees to transfer or hold the card.

Guthrie Federal Credit Union Visa (PA) wants you to beat the winter blues with 2.99% APR for 12 months with no balance transfer or annual fees.

Heritage Valley Federal Credit Union (PA) is offering a 6-month intro rate as low as 2.9% APR on balance transfers with no balance transfer fees or annual fee.

Lesco Federal Credit Union (PA) is offering a low rate of 3.99% APR on balance transfers for 12 months with no balance transfer fee or annual fee. Good deal.

Members 1st Federal Credit Union (PA) offers 1.99% APR on balance transfers for six billing cycles with no balance transfer fee and no annual fee.

Merck Sharp & Dohme FCU (PA) is offering 1.99% APR on balance transfers for 24 months and NO fees!! Lots of time here!

The Pennsylvania State Employees Credit Union (PSECU) Visa (PA) – no balance transfer fee and 2.90% APR until December 31, 2017. That’s nearly two years of super low APR. Not quite 0% APR, but still a very long time to enjoy such a low APR, which is why it’s mentioned here.

People First Federal Credit Union (PA) has an intro rate of 2.9% on balance transfers with no fees.

Riverfront Federal Credit Union (PA) offers 0% APR until October 21, 2016 with no annual fee or balance transfer fee. Can’t beat that!

Sb1 Federal Credit Union Visa (PA) has a promotional 1.99% APR on balance transfers with no annual or balance transfer fees.

TruMark Financial Credit Union (PA) offers an introductory 1.99% APR on balance transfers for the first 6 months with no balance transfer fees, cash advance fees, nor annual fees.

Utilities Employees Credit Union (PA) comes with a 12 month intro rate of 1.99% APR on balance transfers with no fees!

Viriva Community Credit Union (PA) is offering 1.99% APR on balance transfers for six months with no fees for a limited time!

White Rose Credit Union (PA) is offering a dirt cheap .99% APR on balance transfers for six months with no transfer fees.

Rhode Island

Wave Federal Credit Union (RI) is offering 4.99% APR on balance transfers for 6 months with no fees.

Westerly Community Credit Union (RI) offers 2.90% introductory APR for new cardholders on purchases and balance transfers for 15 months and no fees!

South Carolina

SC State FCU Visa (SC) comes with 5.9% promo APR for 3 years on purchases and balance transfers with no fees. Higher rate but 36 months to enjoy it!

South Dakota

Sioux Empire FCU (SD) offers rates as low as 6.50% APR with no balance transfer fees or annual fees.

Voyage FCU (SD) offers rates as low as 6.88% APR with NO annual fee and NO balance transfer fee.

Tennessee

First Tennessee Platinum Premier Visa (TN) – this credit card comes with 0% APR for 12 months, no annual fee, and no balance transfer fee, making it a truly free balance transfer card! The catch is that it’s from a smaller regional bank so getting approved might be a concern. However, that’s also a plus because you can transfer debt from any other major issuer without any problems transferring within the same bank.

Leaders Credit Union Visa (TN) is another free BT with no annual fee or balance transfer fee and 0% APR for 6 months. After that a low 7.99% APR applies.

ORNL FCU (TN) is offering 3.99% APR for 12 months on all purchases and no-fee balance transfers made in first 60 days of card opening.

The Tennessee Credit Union Visa Platinum (TN) offers a bona fide free balance transfer that has 0% APR for 8 months and no annual fee or balance transfer fee. Jump on this one!

TNConnect Credit Union Visa Platinum (TN) offers 2.99% APR for the first 12 billing cycles on balance transfers with no fees!

Y-12 FCU (TN) is offering a fixed 3.99% APR for 9 months with no fees on balance transfers.

Texas

1st Community FCU (TX) offers a promo rate of 2.95% APR on balance transfers for six months without the fees.

Community Resource Credit Union (TX) offers an amazing 15 months of 0% APR on balance transfers with a $0 balance transfer fee and $0 annual fee. This is the best deal out there aside from Chase Slate.

Government Employees Credit Union aka GECU Platinum MasterCard (TX) offers 1.90% introductory APR on balance transfers for six billing cycles with no annual fee, balance transfer fee, or hidden fees.

JSC Federal Credit Union Visa Platinum (TX) comes with 2.99% APR for the first six months on balance transfers with no balance transfer fee, annual fee, or cash advance fee.

Lone Star Credit Union (TX) charges 0% interest for 12 months with no annual fee or balance transfer fees.

MemberSource Credit Union (TX) is offering a no fee balance transfer with 1.99% APR through February 2017 statement.

Mobility Credit Union Visa (TX) offers 0% introductory APR on balance transfers with no balance transfer fee, annual fee, and even late fees! Free and fee-free, amazing!

Randolph-Brooks Federal Credit Union (TX) offers a free balance transfer for a full 12 months. You get 0% APR on balance transfers with no fees. That makes the RBFCU MasterCard second to none!

Shell Federal Credit Union MasterCard (TX) comes with 0% intro APR on balance transfers and purchases for the first 12 months. No balance transfer fee and no annual fee.

Texas Bay Credit Union Platinum Rewards MasterCard (TX) – comes with 0% APR for six months on balance transfers and they say a “balance transfer fee may apply,” but fine print says it may not apply. Contact to get the answer!

Texas Dow Employees FCU (TDECU) Classic MasterCard (TX) – is a free balance transfer offer with 0% APR for a full 12 months on balance transfers with no fees!

Texas Trust Credit Union (TX) offers 4.90% APR for the first six months on balance transfers and no fees.

Texell Credit Union (TX) is offering 0% intro APR on balance transfers for the first six months and 8.24% APR after that with no fees if you make the transfer during the first six months.

Utah

Alpine Credit Union (UT) offers a rate of 4.99% APR for 12 billing cycles and 1% cash back on balance transfers up to $300.

Box Elder County Credit Union Visa (UT) offers 2.99% APR for 6 months with no balance transfer fee or annual fee.

Cyprus Credit Union Platinum Visa (UT) comes with 0% APR for the first six months on purchases and balance transfers with no annual fee and no transaction fee, which I believe is the phrase they use instead of balance transfer fee.

Deseret First Credit Union (UT) is offering 4.99% APR for 12 months on the amount transferred with no fees.

Granite Credit Union (UT) offers 4.99% APR for 18 billing cycles in balance transfers and no fees.

USU Credit Union (UT) has a free balance transfer with 0% APR for six months and no balance transfer fees or annual fees.

Weber State Credit Union (UT) offers rates as low as 5.21% APR and no balance transfer fees.

Vermont

New England FCU (VT) offers rates as low as 5.40% APR (non-intro) on balance transfers with no fees to transfer and no annual fee.

North Country Credit Union Visa (VT) – get 2.99% APR for six months on balance transfers with no annual fee and no balance transfer fee.

River Valley Credit Union (VT) offers rates as low as 6.99% APR (non-intro) on balance transfers without the fees.

Vermont Federal Credit Union (VT) is offering a Visa Platinum card with 0.99% APR for six months on balance transfers without a balance transfer fee or annual fee.

Virginia

1st Advantage Federal Credit Union Visa (VA) comes with 3.99% APR for six months without a balance transfer fee and no annual fee.

Argent Credit Union Visa (VA) has a low rate of 2.89% APR on balance transfers through your December 2017 statement with no annual fee or balance transfer fee. That’s a long time!

Chesterfield Federal Credit Union Visa Emerald (VA) offers a very low 2.75% APR for 24 months with no balance transfer fees or annual fee. Enjoy two years of exceptional APR without the fees!

DuPont Community Credit Union Visa (VA) – 0% APR for the first 6 months on balance transfers with $0 balance transfer fee if made within first 90 days of account opening. No annual fee and limits up to $30,000.

Henrico FCU (VA) is offering 1.90% APR for six months with no annual or balance transfer fees.

Langley FCU (VA) is offering 4.99% APR NO FEE balance transfers for 12 months.

Northwest Federal Credit Union (VA) comes with 2.99% APR until February 1, 2017. No fees to transfer a balance, no annual fee.

NSWC Federal Credit Union (VA) – offers 2.99% APR until December 31st, 2016 on balance transfers with no balance transfer fee and no annual fee. After that rate rises to non-variable rate (fixed) of 9.9% or 12.72% APR.

Partners Financial FCU (VA) is offering a “doggone good deal” on balance transfers with no fees. You get 4.49% APR that is fixed until the balance is paid in full. Pretty low for a lifetime deal.

Realtors Federal Credit Union MasterCard (VA, NAR members) comes with 2.99% APR until February 1, 2017 with no balance transfer fee and no annual fee.

RiverTrace FCU (VA) is offering a low 1.99% APR for 12 months on balance transfers with no balance transfer fee or annual fee. Rates as low as 8.75% after the year is up.

Virginia Credit Union (VA) is offering a balance transfer rate as low as 2.99% APR for 2 years with no balance transfer fee and no annual fee! Much better than paying 3% upfront!

Washington

ACU Federal Credit Union (WA) offers an intro 1.54% on balance transfers through September 30, 2016. There is no balance transfer fee and no annual fee. Lowest, oddest APR I’ve seen recently.

Boeing Employees Credit Union (BECU) Visa – (WA – just have to live there) yet another credit union offering 0% APR for six months with no annual fee, no cash advance fee, and no balance transfer fee. The only real downside is the short intro APR period.

Cashmere Valley Bank Visa (WA) comes with 0% APR on purchases & balance transfers for the first 12 months with no fees. Free!

Inspirus Credit Union Visa (WA) – 0% APR on balance transfers for one year and no annual fee or any balance transfer fees. After those 12 months are up your balance will be subject to their standard rates currently between 6.68% – 12.68% APR.

North Coast Credit Union (WA) is offering a fixed 5.99% APR on balance transfers with no balance transfer fee. A low rate that never changes!

Peninsula Credit Union (WA) offers 2.49% APR for six months on balance transfers without fees.

Progressions Credit Union (WA) is offering a healthy 2.99% APR on balance transfers for 12 months with no annual fee or balance transfer fees. Solid deal.

Salal Credit Union Rewards Visa (WA) offers a free balance transfer that comes with 0% APR for 12 months, no balance transfer fee, no annual fee, no over-the-limit fee, and no penalty APR. And you earn one point for each dollar you bring over via balance transfer. Great deal.

Sound Credit Union Visa (WA) comes with 1.99% APR through June 2017. They do not charge a balance transfer fee nor an annual fee.

Tapco Credit Union (WA) offers a low 1.99% APR on all balance transfers for six months with NO balance transfer fees.

Verity Credit Union Visa Classic (WA) comes with 2.99% APR for 12 months on balance transfers with no annual fee or balance transfer fee.

Washington State Employees Credit Union (WSECU) Platinum Visa (WA) comes with 0% APR on balance transfers for six months no annual fee, balance transfer fee, or overlimit fee. Truly free offer here.

Waterfront Credit Union (WA) is offering 2.99% APR until April 2017 on balance transfers with no balance transfer fees. I’m assuming no annual fee either.

West Virginia

Pioneer West Virginia FCU (WV) offers rates as low as 4.95% APR with no balance transfer fee or annual fee.

Wisconsin

Kohler Credit Union (WI) offers a balance transfer with no fee if you transfer in the first 30 days of account opening. The APR is 3.99% for the first 12 months

Landmark Credit Union (WI) offers 0% APR for six months on purchases and balance transfers with no fees. Freebie!!

Oshkosh Community Credit Union Visa (WI) offers 3.99% APR for 12 months on balance transfers with no annual fee or balance transfer fee.

Summit Credit Union Visa Platinum Rewards (WI) card comes with 0.99% APR until March 15, 2017 on balance transfers for qualifying members. No balance transfer fee, no annual fee.

Wyoming

WyHy Federal Credit Union (WY) offers no fee balance transfers with rates as low as 5.15% APR the first year.

So what is a no fee balance transfer credit card anyways?

Well, most credit card balance transfer offers come with an associated fee, which typically ranges from $5 to 5% of the balance transferred.

Credit card issuers charge balance transfer fees to ensure they make some money because a select group of savvy consumers transfer the debt and pay it off (or even transfer it again) before incurring any finance charges.

Let’s look at an example:

Credit card balance: $2,000
Balance transfer offer A: 0% APR, 5% balance transfer fee
Balance transfer offer B: 3.99% APR, no balance transfer fee

If you decided to go with balance transfer offer A, you’d be subject to a $100 balance transfer fee, but you wouldn’t pay any interest for say 12 months (this will vary based on different offers).

If you went with balance transfer offer B, you would avoid the balance transfer fee, but pay 3.99% APR for say the life of the balance (again, this could vary).

That’s up to $80 annually, or $6.65 per month in finance charges using simple math. If you chip away at that $2,000 balance during the year, the finance charges will be less.

So balance transfer offer B could actually be more beneficial than balance transfer offer A, assuming you plan to pay down the balance.

Of course, you may be able to get the best of both worlds if you do a little searching. There are still no fee balance transfer credit cards that offer 0% APR, you just need to do some digging.

Assuming you can’t find a no fee balance transfer credit card with 0% APR, you can always request that the balance transfer fee be waived. Credit card issuers are more willing to negotiate than you might think.

Either way, be sure to check this page often for any and all no fee balance transfer offers, as it is updated frequently!


18 Comments

  1. Sherman January 1, 2016 at 2:14 pm -

    Looks like Discover discontinued its no fee offer…boo!

  2. Colin Robertson January 14, 2016 at 2:36 pm -

    Sherman,

    True, but there are dozens or comparable offers available if you know where to look.

  3. Denise January 24, 2016 at 8:21 am -

    Wow, great list. Definitely the best I’ve seen by a mile.

  4. Evan January 28, 2016 at 1:58 pm -

    Impressive list! Hopefully one of these works out for me, thanks!

  5. Isaac February 2, 2016 at 1:35 pm -

    Wow how did you find all these? Do you have to be members of these credit unions to apply?

  6. Colin Robertson February 3, 2016 at 12:49 pm -

    Isaac,

    It may depend on the credit union, but generally yes you need to be/become a member, though that should be a simple and straightforward process with no cost.

  7. Q February 7, 2016 at 7:40 am -

    Wow that’s a lot of no fee balance transfers. Hope one will approve me.

  8. Amy February 12, 2016 at 8:31 am -

    Holy bananas! Thanks for compiling. 🙂

  9. Chris P. February 16, 2016 at 7:38 am -

    Many of these offers require you to make a deposit in the corresponding credit union.

  10. Colin Robertson February 16, 2016 at 12:58 pm -

    Chris,

    True, but it’s usually like $5-10 deposit in a free account that earns interest, so it could still be a great deal for those looking to transfer high APR credit card balances.

  11. Gene March 7, 2016 at 8:37 am -

    Any no fee offers in Hawaii by chance?

  12. Colin Robertson March 7, 2016 at 11:24 pm -

    Gene,

    Haven’t found any yet…I’ve stumbled upon some Hawaiian credit unions with balance transfer offers, but they charge a fee.

  13. Grace March 21, 2016 at 2:41 pm -

    Thank you for posting this. I was finally able to find a no fee balance transfer thanks to you!

  14. Alyssa April 6, 2016 at 6:47 pm -

    Thanks to you I was able to find a no fee offer with my local credit union! Just wanted to let you know!

  15. Jane April 21, 2016 at 12:47 am -

    I’m trying to do the math on a no fee offer vs. a 0% APR offer. If I go with the no fee balance transfer offer that is 1.99% APR for 12 months, I’d pay around $40 on my $2,000 balance, right? Maybe (hopefully) less as I pay down my balance during that time. But if I just go with a 0% offer and pay the 3% balance transfer fee upfront, it’s $60 (guaranteed) and no interest for 12 months. That’s the idea right? Thank you.

  16. Colin Robertson April 23, 2016 at 12:47 pm -

    Jane,

    Bingo! This is exactly how you can save money, even if it seems inconsequential. It makes even more sense on larger balances. Say you transfer $5,000. You’d have to pay $150 upfront, or less than $100 if you went with the no fee offer at 1.99% APR. If you pay the balance down on the no fee offer you can get that interest amount even lower, which should be the goal.

  17. Frank October 7, 2016 at 12:34 pm -

    Thank You for the information. I applied to a CU in Illinois. Awaiting a response. Would love to have an 18 month offer or longer. Peace.

  18. Colin Robertson October 11, 2016 at 9:35 am -

    Frank,

    Glad to hear it, good luck!

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