Your cookie preferences

We use cookies and similar technologies. You can use the settings below to accept all cookies (which we recommend to give you the best experience) or to enable specific categories of cookies as explained below. Find out more by reading our Cookie Policy.

Select cookie preferences

Skip to main content
Utrack

Popular Search Terms

Compare no fee balance transfer credit cards

No fee balance transfer cards

Switch your credit card debt to a 0% deal without paying a fee for it

Find your ideal credit card in seconds

  • Check your eligibility without impacting your credit score

  • Explore your options from top credit card providers

  • Choose the right card for your needs

Find your ideal credit card in seconds

  • Check your eligibility without impacting your credit score

  • Explore your options from top credit card providers

  • Choose the right card for your needs

No fee balance transfer image

Find the best credit cards from trusted providers

Our experts browse hundreds of products to find the best deals

Barclaycard logo
Santander logo
Tesco logo
British Airways logo
M&S Logo
Lloyds logo

Uswitch Limited is a credit broker, not a lender, for consumer credit.

Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.

Fact checker
Last updated
July 14th, 2025
A man is sitting in a cafe with his laptop and paying for his coffee with a credit card

What are 0% fee balance transfer cards?

0% fee balance transfer credit cards allow you to move existing credit card debt to a new card without paying the usual transfer fee, which is typically between 1% and 4% of the balance.

By transferring debt to a card with 0% interest or a low-interest rate on balance transfers, you could save a significant amount on interest payments. However, no-fee balance transfer credit cards often come with shorter 0% interest periods compared to those that charge a fee.

To qualify for the best deals, you’ll usually need a good credit score.

How do no-fee balance transfer cards work?

Balance transfer credit cards with zero fees work just the same as any other balance transfer credit card, just they don’t charge an upfront fee to transfer your balance.

A balance transfer card allows you to move credit card debts from other cards to your new one.

Many typically offer a 0% interest period so you can avoid paying interest on your card debts for a set period that can be 12 months or more.

Unlock the best credit card deals for you

See which credit cards you're eligible for in just a few clicks

Our expert says

No-fee balance transfer cards allow you to move debt to a new card without paying the usual upfront fee. This means they can help you save money on interest and pay off debt faster. However, they usually offer shorter 0% periods compared to cards with transfer fees, and you’ll need a good credit score to access the best deals.

Advantages and disadvantages of no-fee balance transfer credit cards

Advantages

You can save money on interest
You could clear your debt faster
It's free to make the switch

Disadvantages

Typically shorter 0% interest periods than fee-charging deals
You'll need a good credit score to get the best deals
A potentially higher interest rate on any purchases made with the card

How to find a no-fee balance transfer credit card

You can see some of our best no-fee balance transfer cards in the table at the top of this page.

Filter the tables by ‘transfer fee’ to find the balance transfer cards that charge zero for upfront transfer fees. If you go through our card-finder tool, more results might be available, depending on your credit score.

Also, it is worth understanding the difference between initial and effective fees.

Many cards charge an initial upfront fee that is refunded once you make your first repayment, the fee after the refund is the effective fee.

Some cards may have an effective fee of 0% but will charge an initial fee, so it’s worth checking out the small print and comparing carefully.

No balance transfer fee credit card FAQs

Do all credit cards charge a transfer fee?

No, not all credit cards charge a transfer fee. Some balance transfer credit cards offer 0% transfer fees, meaning you can move your existing credit card debt to a new card without paying any upfront charges. However, many balance transfer cards typically charge a fee, usually between 1% and 4% of the amount being transferred. These fees are usually applied to the total balance you move.

Do balance transfers hurt your credit score?

No. The act of transferring a balance to a new credit card doesn’t damage your credit score.

However, there are two things that might negatively affect your credit worthiness if you're not careful.

Firstly, applying for a new credit card is always recorded on your credit history. This means that if you have an application rejected, or there are multiple applications over a short period of time, other lenders might be nervous.

However, card finder and eligibility checker tools don’t show up on your credit score, so it makes sense to use one to ensure you only apply for cards you’ll qualify for.

Secondly, lenders look at something called your "total available credit" before making a decision. This is worked out by adding up all your credit card and overdraft limits.

A new card adds to this total, but unless you've already got a large number of cards with high credit limits - for example equal to your annual salary – it’s unlikely to be a problem.

Is interest free credit really interest free?

Yes, but that doesn't mean you'll pay nothing to borrow.

First, there may be a fee attached to a balance transfer or money transfer credit card.

Secondly, if you don't clear your debt within the 0% period you'll be charged interest on any money remaining on the account at the end of it.

Can I get a balance transfer credit card with bad credit?

Your options for balance transfer credit cards will be limited if you have bad credit. Most credit cards transfer deals will only accept people with a good or excellent credit rating.

You might have a higher chance of being approved for a credit card for bad credit.

What does 'no transfer fee' mean with regards to credit cards?

A "no transfer fee" balance transfer card allows you to move your existing credit card debt to a new card without paying the usual upfront transfer fees, which typically range from 1% to 4%. No-fee balance transfer cards often come with shorter 0% interest periods compared to cards that charge a transfer fee.

Credit card guides

Find out more about how credit cards work with our in-depth guides
How many credit cards can you have?
How many credit cards can you have?
How to use a credit card
How to use a credit card
What are the differences between credit and debit card?
What are the differences between credit and debit card?

About the author

Lucinda O'Brien
Lucinda O'Brien has spent the past 10 years writing and editing content for regional and national titles. She applies her industry knowledge to ensure readers can make confident financial decisions.

Customer Reviews

Rated 4.7 out of 5
by 30,279 people