You're our first priority.

Every time.

We believe everyone should be able to make financial decisions with confidence. While we don't cover every company or financial product on the market, we work hard to share a wide range of offers and objective editorial perspectives.

So how do we make money? Our partners compensate us for advertisements that appear on our site or when you click to or take an action on their website. This compensation helps us provide tools and services - like free credit score access and monitoring. With the exception of mortgage, home equity and other home-lending products or services, partner compensation is one of several factors that may affect which products we highlight and where they appear on our site. Other factors include your credit profile, product availability and proprietary website methodologies.

However, these factors do not influence our editors' opinions or ratings, which are based on independent research and analysis. Our partners cannot pay us to guarantee favorable reviews. Here is a list of our partners.

10 Great Balance Transfer Cards With No Annual Fee of October 2026

October, 2026

When you're paying down debt, the last thing you need is a yearly fee. Every card here pairs a 0% intro APR on balance transfers with no annual fee, so the money you save on interest stays yours.

What to look for in a no-annual-fee balance transfer card

Length of the intro period. A longer 0% period gives you more months where every payment goes to the balance.

The transfer fee. Most cards charge 3% to 5% of what you move, so compare the fee alongside the intro period.

Value after the intro period. With no annual fee, a card with rewards can be worth keeping once your balance is gone.

See your approval odds

No impact to your credit score. We don't save any of the information used to generate your approval odds.

1-min

Our pick for: No annual fee + no penalty APR
BankAmericard® credit card
NerdWallet rating
4.6
Add to compare
Apply Nowon Bank of America's website
on Bank of America's website
Balance transfer intro APR
0% intro APR on Balance Transfers for 21 billing cycles for any balance transfers made in the first 60 days
Purchase intro APR
0% intro APR on Purchases for 21 billing cycles
Regular APR
15.24%-26.24% Variable APR
Annual fee
$0
Rewards rate
N/A
Intro offer
N/A
Recommended credit score
690-850(Good - Excellent)
Card details
0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 15.24% - 26.24% will apply. A 5% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.
No annual fee.
No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
NerdWallet's take
The BankAmericard® credit card is built for paying down debt, with a long intro period on both transfers and purchases. There's no yearly fee to eat into the interest you save.
Pros
0% intro APR on Balance Transfers for 21 billing cycles for any balance transfers made in the first 60 days, and on purchases: 0% intro APR on Purchases for 21 billing cycles.
No penalty APR, so a late payment won't automatically raise your interest rate.
Annual fee: $0.
Cons
Balance transfer fee: 5% of the amount of each transaction
No rewards.
The intro rate on transfers applies only to balances moved in the first 60 days.
Read full review
Our pick for: No annual fee + extra-long transfer offer
Citi® Diamond Preferred® Card
NerdWallet rating
4.4
Add to compare
Apply Nowon Citibank's application
on Citibank's application
Rates & Fees
Balance transfer intro APR
0% intro APR on balance transfers for 21 months
Purchase intro APR
0% intro APR on purchases for 12 months
Regular APR
16.74%-27.49% Variable APR
Annual fee
$0
Rewards rate
N/A
Intro offer
N/A
Recommended credit score
690-850(Good - Excellent)
Card details
0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 16.74% - 27.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
No Annual Fee - our low intro rates and all the benefits don't come with a yearly charge.
Buy now and pay later. Split your payment for eligible purchases of $75 or more into a fixed payment with Citi® Flex Pay.
Get free access to your FICO® Score online.
View Rates & Fees
NerdWallet's take
The Citi® Diamond Preferred® Card is all about time, with a long intro period on balance transfers. You can keep it open after the balance is gone without paying to hold it.
Pros
0% intro APR on balance transfers for 21 months, and on purchases: 0% intro APR on purchases for 12 months.
Free access to your FICO Score online.
Annual fee: $0.
Cons
Balance transfer fee: There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
No rewards.
Read full review
Our pick for: No annual fee + travel cash back
U.S. Bank Shield™ Visa® Card
NerdWallet rating
4.6
Add to compare
Apply Nowon U.S. Bank's website
on U.S. Bank's website
Rates & Fees
Balance transfer intro APR
0% intro APR on balance transfers for 21 billing cycles
Purchase intro APR
0% intro APR on purchases for 21 billing cycles
Regular APR
17.24%-28.24% Variable APR
Annual fee
$0
Rewards rate
4%
Cashback
Intro offer
N/A
Recommended credit score
690-850(Good - Excellent)
Rewards breakdown
4%
Cash back on prepaid air, hotel and car reservations booked directly in the Travel Center.
Card details
0% intro APR on purchases and balance transfers for 21 billing cycles. After that, a variable APR currently 17.24% - 28.24%.
4% cash back on prepaid air, hotel and car reservations booked directly in the Travel Center when you use your card.
Get a $20 annual statement credit for 11 consecutive months of purchases.
No annual fee.
Cell Phone Protection: Your eligible cell phone can be reimbursed up to $600 in the event it is stolen or damaged when you pay your monthly cell phone bill with your card.
Terms and conditions apply.
View Rates & Fees
NerdWallet's take
The U.S. Bank Shield™ Visa® Card is mainly about its long intro period, with travel cash back and a few extras on top. It's a low-cost way to give yourself breathing room on debt.
Pros
0% intro APR on balance transfers for 21 billing cycles, and on purchases: 0% intro APR on purchases for 21 billing cycles.
Earns cash back on prepaid air, hotel and car reservations booked through U.S. Bank's travel center.
An annual statement credit after 11 consecutive months of purchases.
Cell phone protection when you pay your monthly phone bill with the card.
Annual fee: $0.
Cons
Balance transfer fee: Either 5% of the amount of each transfer or $5 minimum, whichever is greater.
Rewards only apply to travel booked through U.S. Bank's travel center.
No welcome bonus.
Read full review
Our pick for: No annual fee + no late fees
Citi Simplicity® Card
NerdWallet rating
4.5
Add to compare
Apply Nowon Citibank's application
on Citibank's application
Rates & Fees
Balance transfer intro APR
0% intro APR on balance transfers for 18 months
Purchase intro APR
0% intro APR on purchases for 18 months
Regular APR
17.74%-28.49% Variable APR
Annual fee
$0
Rewards rate
N/A
Intro offer
N/A
Recommended credit score
690-850(Good - Excellent)
Card details
0% Intro APR on balance transfers and purchases for 18 months from date of account opening. After that, the variable APR will be 17.74% - 28.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
No Late Fees, No Penalty Rate, and No Annual Fee... Ever
$0 liability on unauthorized charges.
View Rates & Fees
NerdWallet's take
The Citi Simplicity® Card keeps things simple: a long intro period and no late fees. There's no yearly fee to eat into the interest you save.
Pros
0% intro APR on balance transfers for 18 months, and on purchases: 0% intro APR on purchases for 18 months.
No late fees and no penalty rate, which adds a safety net while you pay down debt.
Annual fee: $0.
Cons
Balance transfer fee: There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
No rewards or welcome bonus.
Read full review
Our pick for: No annual fee + rotating bonus categories
Chase Freedom Flex®
NerdWallet rating
5.0
Add to compare
Apply Nowon Chase's website
on Chase's website
Rates & Fees
Balance transfer intro APR
0% intro APR on balance transfers for 15 months
Purchase intro APR
0% intro APR on purchases for 15 months
Regular APR
18.49%-27.99% Variable APR
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$250
Recommended credit score
690-850(Good - Excellent)
Rewards breakdown
5%
Cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.
5%
Cash back on travel purchased through Chase Travel℠.
1%
Cash back on all other purchases.
Card details
Limited Time Offer! Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
New Benefit! Earn rewards worldwide with no foreign transaction fees
5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States.
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.49% - 27.99%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex® card
Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Member FDIC
View Rates & Fees
NerdWallet's take
The Chase Freedom Flex® rewards people who like to track categories, with high cash back in a rotating lineup. You can keep it open after the balance is gone without paying to hold it.
Pros
0% intro APR on balance transfers for 15 months, and on purchases: 0% intro APR on purchases for 15 months.
Earns bonus cash back in categories that rotate each quarter (activation required), plus extra on travel booked through Chase, dining and drugstores.
No minimum to redeem cash back.
Annual fee: $0.
Cons
Balance transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
You have to activate the bonus categories each quarter, and bonus earnings are capped.
Read full review
Our pick for: No annual fee + choose-your-category cash back
Bank of America® Customized Cash Rewards credit card
NerdWallet rating
4.2
Add to compare
Apply Nowon Bank of America's website
on Bank of America's website
Balance transfer intro APR
0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days
Purchase intro APR
0% intro APR on Purchases for 15 billing cycles
Regular APR
17.74%-27.74% Variable APR
Annual fee
$0
Rewards rate
1%-6%
Cashback
Intro offer
$200
Recommended credit score
690-850(Good - Excellent)
Rewards breakdown
6%
Cash back for the first year in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
3%
Cash back in the category of your choice after the first year (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
2%
Cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
1%
Cash back on all other purchases.
Card details
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
No annual fee and cash rewards don’t expire as long as your account remains open.
Turn daily purchases into everyday wins. Simply use your Customized Cash Rewards credit card for the things you already buy - from gifts to groceries - BofA Rewards™ members earn more cash back.
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.74% - 27.74% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
NerdWallet's take
The Bank of America® Customized Cash Rewards credit card lets you pick where you earn the most cash back. It's a low-cost way to give yourself breathing room on debt.
Pros
0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days, and on purchases: 0% intro APR on Purchases for 15 billing cycles.
Earns bonus cash back in a category you choose, plus at grocery stores and wholesale clubs, up to a quarterly cap.
Bank of America Rewards members can earn more cash back.
Annual fee: $0.
Cons
Balance transfer fee: 3% for 60 days from account opening, then 5%
Bonus cash back is capped each quarter.
Read full review
Our pick for: No annual fee + long intro period
Wells Fargo Reflect® Card
NerdWallet rating
4.5
Add to compare
Apply Nowon Wells Fargo's website
on Wells Fargo's website
Rates & Fees
Balance transfer intro APR
0% intro APR for 21 months from account opening on qualifying balance transfers
Purchase intro APR
0% intro APR for 21 months from account opening on purchases
Regular APR
17.74%, 24.24%, or 28.49% Variable APR
Annual fee
$0
Rewards rate
N/A
Intro offer
N/A
Recommended credit score
690-850(Good - Excellent)
Card details
Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.74%, 24.24%, or 28.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
$0 annual fee.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
View Rates & Fees
NerdWallet's take
The Wells Fargo Reflect® Card gives you a long 0% intro period on both transfers and purchases. There's no yearly fee to eat into the interest you save.
Pros
0% intro APR for 21 months from account opening on qualifying balance transfers, and on purchases: 0% intro APR for 21 months from account opening on purchases.
Cell phone protection against damage or theft, subject to a deductible.
Annual fee: $0.
Cons
Balance transfer fee: 5%, min: $5
No rewards.
Read full review
Our pick for: No annual fee + cash back on everything
Citi Double Cash® Card
NerdWallet rating
4.9
Add to compare
Apply Nowon Citibank's application
on Citibank's application
Rates & Fees
Balance transfer intro APR
0% intro APR on balance transfers for 18 months
Purchase intro APR
N/A
Regular APR
18.49%-28.74% Variable APR
Annual fee
$0
Rewards rate
2%-5%
Cashback
Intro offer
$200
Recommended credit score
690-850(Good - Excellent)
Rewards breakdown
2%
Cash back on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Card details
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.74%, based on your creditworthiness.
Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
View Rates & Fees
NerdWallet's take
The Citi Double Cash® Card earns a strong flat rate on everything without any categories. You can keep it open after the balance is gone without paying to hold it.
Pros
0% intro APR on balance transfers for 18 months.
Earns cash back on every purchase: once when you buy and again as you pay.
Annual fee: $0.
Cons
Balance transfer fee: Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
The intro APR applies to balance transfers only, not purchases.
Balance transfers don't earn cash back.
Read full review
Our pick for: No annual fee + quarterly cash back + first-year match
Discover it® Cash Back - 18 Month Intro Balance Transfer Offer
NerdWallet rating
4.9
Add to compare
Apply Nowon Capital One's website
on Capital One's website
Rates & Fees
Balance transfer intro APR
0% intro APR on balance transfers for 18 months
Purchase intro APR
0% intro APR on purchases for 6 months
Regular APR
17.74%-26.74% Variable APR
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
Cashback Match™
Recommended credit score
690-850(Good - Excellent)
Rewards breakdown
5%
Cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
1%
Cash back on all other purchases.
Card details
Get a 0% intro APR for 18 months on balance transfers and 0% intro APR on purchases for 6 months; balance transfer fee applies. Then 17.74% to 26.74% Standard Variable APR applies, based on credit worthiness
INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases
Redeem cash back for any amount
No annual fee
Terms and conditions apply
View Rates & Fees
NerdWallet's take
The Discover it® Cash Back - 18 Month Intro Balance Transfer Offer pairs a long transfer offer with a first-year match on everything you earn. It's a low-cost way to give yourself breathing room on debt.
Pros
0% intro APR on balance transfers for 18 months, and on purchases: 0% intro APR on purchases for 6 months.
Earns bonus cash back in categories that change each quarter (activation required), plus cash back on everything else.
Redeem cash back for any amount.
Annual fee: $0.
Cons
Balance transfer fee: 0% at the Transfer APR; 3% for the first 18 months; 5% at a promotional APR that Capital One may offer to you at any other time.
The intro period on purchases is short: 0% intro APR on purchases for 6 months
Bonus categories are capped each quarter.
Read full review
Our pick for: No annual fee + everyday cash back
Blue Cash Everyday® Card from American Express
NerdWallet rating
4.9
Add to compare
Apply Nowon American Express' website
on American Express' website
Rates & Fees
Balance transfer intro APR
0% intro APR on balance transfers for 15 months from the date of account opening
Purchase intro APR
0% intro APR on purchases for 15 months from the date of account opening
APR
19.74%-28.74% Variable APR
Annual fee
$0
Rewards rate
1%-3%
Cashback
Intro offer
As High as $200 cash back. Find Out Your Offer.
Recommended credit
Good - Excellent
Rewards breakdown
3%
Cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%).
3%
Cash Back on U.S. online retail purchases (up to $6,000 per year, then 1%).
3%
Cash Back at U.S. gas stations (up to $6,000 per year, then 1%).
1%
Cash Back on other purchases.
Card details
Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
No Annual Fee.
Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, your APR will be a variable APR of 19.74%-28.74%.
Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
Terms Apply.
View Rates & Fees
NerdWallet's take
The Blue Cash Everyday® Card from American Express pays extra where many households spend most: groceries, online shopping and gas. There's no yearly fee to eat into the interest you save.
Pros
0% intro APR on balance transfers for 15 months from the date of account opening, and on purchases: 0% intro APR on purchases for 15 months from the date of account opening.
Earns bonus cash back at U.S. supermarkets, on U.S. online retail purchases and at U.S. gas stations, up to an annual cap.
A monthly statement credit for eligible Disney+, Hulu or ESPN subscription purchases.
Annual fee: $0.
Cons
Balance transfer fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
American Express isn't accepted at as many merchants as Visa or Mastercard.
Bonus cash back is capped each year.
Read full review

Compare the Best Balance Transfer No Annual Fee Credit Cards

Credit card	NerdWallet rating	Intro APR	Regular APR	Rewards rate	Learn more
BankAmericard® credit card Apply Nowon Bank of America's website on Bank of America's website	4.6/5 Best for No annual fee + no penalty APR	0% intro APR on Purchases for 21 billing cycles and 0% intro APR on Balance Transfers for 21 billing cycles for any balance transfers made in the first 60 days	15.24%-26.24% Variable APR	N/A	Apply Nowon Bank of America's website on Bank of America's website
Citi® Diamond Preferred® Card Apply Nowon Citibank's application on Citibank's application Rates & Fees	4.4/5 Best for No annual fee + extra-long transfer offer	0% intro APR on purchases for 12 months and 0% intro APR on balance transfers for 21 months	16.74%-27.49% Variable APR	N/A	Apply Nowon Citibank's application on Citibank's application Rates & Fees
U.S. Bank Shield™ Visa® Card Apply Nowon U.S. Bank's website on U.S. Bank's website Rates & Fees	4.6/5 Best for No annual fee + travel cash back	0% intro APR for 21 billing cycles on purchases and balance transfers	17.24%-28.24% Variable APR	4% Cashback	Apply Nowon U.S. Bank's website on U.S. Bank's website Rates & Fees
Citi Simplicity® Card Apply Nowon Citibank's application on Citibank's application Rates & Fees	4.5/5 Best for No annual fee + no late fees	0% intro APR on purchases and balance transfers for 18 months	17.74%-28.49% Variable APR	N/A	Apply Nowon Citibank's application on Citibank's application Rates & Fees
Chase Freedom Flex® Apply Nowon Chase's website on Chase's website Rates & Fees	5.0/5 Best for No annual fee + rotating bonus categories	0% intro APR on Purchases and Balance Transfers for 15 months	18.49%-27.99% Variable APR	1%-5% Cashback	Apply Nowon Chase's website on Chase's website Rates & Fees
Bank of America® Customized Cash Rewards credit card Apply Nowon Bank of America's website on Bank of America's website	4.2/5 Best for No annual fee + choose-your-category cash back	0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days	17.74%-27.74% Variable APR	1%-6% Cashback	Apply Nowon Bank of America's website on Bank of America's website
Wells Fargo Reflect® Card Apply Nowon Wells Fargo's website on Wells Fargo's website Rates & Fees	4.5/5 Best for No annual fee + long intro period	0% intro APR for 21 months from account opening on purchases and qualifying balance transfers	17.74%, 24.24%, or 28.49% Variable APR	N/A	Apply Nowon Wells Fargo's website on Wells Fargo's website Rates & Fees
Citi Double Cash® Card Apply Nowon Citibank's application on Citibank's application Rates & Fees	4.9/5 Best for No annual fee + cash back on everything	0% intro APR on balance transfers for 18 months	18.49%-28.74% Variable APR	2%-5% Cashback	Apply Nowon Citibank's application on Citibank's application Rates & Fees
Discover it® Cash Back - 18 Month Intro Balance Transfer Offer Apply Nowon Capital One's website on Capital One's website Rates & Fees	4.9/5 Best for No annual fee + quarterly cash back + first-year match	0% intro APR on Purchases for 6 months and 0% intro APR on Balance Transfers for 18 months	17.74%-26.74% Variable APR	1%-5% Cashback	Apply Nowon Capital One's website on Capital One's website Rates & Fees
Blue Cash Everyday® Card from American Express Apply Nowon American Express' website on American Express' website Rates & Fees	4.9/5 Best for No annual fee + everyday cash back	0% intro APR for 15 months on purchases and balance transfers	19.74%-28.74% Variable APR	1%-3% Cashback	Apply Nowon American Express' website on American Express' website Rates & Fees

10 Great Balance Transfer Cards With No Annual Fee of October 2026

What to look for in a no-annual-fee balance transfer card

Our pick for: No annual fee + no penalty APR

Our pick for: No annual fee + extra-long transfer offer

Our pick for: No annual fee + travel cash back

Our pick for: No annual fee + no late fees

Our pick for: No annual fee + rotating bonus categories

Our pick for: No annual fee + choose-your-category cash back

Our pick for: No annual fee + long intro period

Our pick for: No annual fee + cash back on everything

Our pick for: No annual fee + quarterly cash back + first-year match

Our pick for: No annual fee + everyday cash back

Compare the Best Balance Transfer No Annual Fee Credit Cards