Are you wheezing on holiday credit card debt? A credit card with the right balance transfer offer can help you get out from underneath that mountain.

It's easy to find credit cards that will let you transfer a balance at 0% APR for a certain number of months . . . but you'll typically pay a balance transfer fee of at least 3%.

If you want to be really cheap, here are 3 credit card offers that don't have any balance transfer fee. By eliminating that fee, you can save $300 right off the bat (on a hypothetical balance transfer of $10,000) and enjoy a low or zero percent interest rate all year long. Of course, each card still requires you to make a minimum payment every month.

Depending on your exact situation, you'll have to read carefully to see which one is right for you.

Here are 3 credit cards with no balance transfer fees

1. Slate from Chase

  • Zero dollar balance transfer fee on transfers made within 60 days of account opening. After that, the fee will be the greater of either $5 or 3% of the amount of each transfer.
  • 0% Intro APR for the first 15 billing cycles that your account is open. After that, the interest rate will be 12.99% to 22.99% based on creditworthiness.
  • Zero dollar annual membership fee

Interest you'll pay per month during 2015 on a $10,000 balance transfer: Zero dollars

2. Pen Fed Promise Visa Card

  • Zero dollar balance transfer fee
  • 4.99% APR promotional balance transfer rate on transfers made through January 31, 2015 for 12 months. After that, the fee for any new balance transfers will be between 7.99% and 16.99% and will vary with the market based on the Prime Rate.
  • Zero dollar annual membership fee

Interest you'll pay per month during 2015 on a $10,000 balance transfer: $41.58

 SPECIAL NOTE: To apply for this card, you have to be a member of Pen Fed Credit Union. But don't worry if you're not military. Simply join the National Military Family Association for a one-time tax-deductible fee of $20 and then you can apply. You don't even have to keep your membership active. 

3. Barclaycard Ring MasterCard

  • Zero dollar balance transfer fee
  • 8% variable APR on balance transfers and purchases
  • Zero dollar annual membership fee
  • BONUS: Right now, you can get 1% back on balance transfers made in the first 60 days of account opening

Interest you'll pay per month during 2015 on a $10,000 balance transfer: $66.66 (will vary with the market based on the Prime Rate)

Image of Theo ThimouAbout the author: Theo Thimou

Theo is director of content for ClarkHoward.com. He has co-written 2 books with Clark Howard, including the #1 New York Times bestseller Clark Howard's Living Large in Lean Times. View More Articles

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