No single credit card suits everyone, but many of the best balance transfer cards have a few things in common:
They offer 0% introductory APR periods, charge low or no annual fees, and give you a way to manage high-interest debt more effectively.
For many Americans, credit card debt can quickly become overwhelming when interest rates rise above 20%. A balance transfer credit card can provide breathing room by letting you move your existing debt to a new card with 0% APR for a set period—sometimes up to 21 months.
In this guide, we’ll explain what balance transfers are, the fees to watch out for, and the top 0% APR cards available in 2025.
🔹 What Is a Balance Transfer? –
A balance transfer allows you to move your existing credit card debt (or sometimes other loans) to a new credit card with a 0% introductory APR.
Why it matters:
You avoid paying interest during the promo period, helping you pay down your balance faster.
Balance transfer fees:
Most issuers charge 3%–5% of the amount transferred. For example, if you transfer $5,000, a 3% fee would cost you $150.
Duration:
Introductory 0% APR periods typically last 12 to 21 months. After that, the standard APR applies.
🔹 Best Balance Transfer Credit Cards with 0% APR (2025) –
Here are the top options ranked by intro 0% APR period, fees, and overall value.
Citi® Diamond Preferred® Card –
0% APR Period: 21 months on balance transfers
Balance Transfer Fee: 5% (min $5)
Annual Fee: $0
Why it’s great: One of the longest intro APR offers available—ideal if you need maximum time to pay off debt.
Wells Fargo Reflect® Card –
0% APR Period: Up to 21 months (18 months + 3-month extension with on-time payments)
Balance Transfer Fee: 5% (min $5)
Annual Fee: $0
Why it’s great: Flexible extension period and no annual fee.
Citi Simplicity® Card –
0% APR Period: 21 months on balance transfers
Balance Transfer Fee: 5% (min $5)
Annual Fee: $0
Why it’s great: No late fees and no penalty APR, making it stress-free for forgetful payers.
BankAmericard® Credit Card –
0% APR Period: 18 billing cycles
Balance Transfer Fee: 3% (min $10)
Annual Fee: $0
Why it’s great: Lower balance transfer fee (3%) compared to most cards.
Chase Slate Edge℠ –
0% APR Period: 18 months
Balance Transfer Fee: 5% (min $5)
Annual Fee: $0
Why it’s great: Good for those who want a trusted issuer and balance transfer flexibility.
Balance Transfer Calculator
🔹 Final Thoughts –
A balance transfer card with 0% APR can be a game-changer if you’re serious about paying down debt. But remember:
Always factor in balance transfer fees.
Pay off the balance before the intro APR expires.
Don’t use the card for new purchases unless it also has a 0% APR on purchases.
Used wisely, the best balance transfer cards can save you hundreds or even thousands of dollars in interest.