10 Best Credit Cards for 0% Balance Transfers

Jodie Price

By Jodie Price | Updated September 15, 2025

A 0% balance transfer credit card lets you move existing debt and avoid interest for a set time, helping you focus on paying the principal. The best choice depends on factors like the intro APR length and transfer fees. This guide reviews 10 top options, from cards with long interest-free periods to those with low or no fees, so you can find the right fit.

  • Wells Fargo Reflect® Card

    The Wells Fargo Reflect® Card is designed for people who want to pay off balance transfers without interest for a long time. It offers one of the longest intro APR periods in the market, making it a strong choice for those focused on reducing debt.

    This card helps users avoid interest charges on new purchases and transferred balances during the intro period. It aims to ease financial pressure by providing extra time to pay off debt.

    Earning Structure:

    • No rewards or cash back features; focused mainly on balance transfer benefits.

    Welcome Bonus:

    No welcome bonus is offered with this card.

    Card Details:

    • Annual fee: $0
    • Foreign transaction fees: 3%
    • APR: 0% intro APR for 21 months on purchases and qualifying balance transfers, then 17.24%, 23.74%, or 28.99% variable APR
    • Balance transfers made within 120 days qualify for the intro APR; balance transfer fee of 5% (minimum $5) applies
    • Access to personalized merchant deals through My Wells Fargo Deals

    Key Benefits:

    • Long intro APR period for balance transfers and purchases
    • No penalty APR for late payments
    • Access to Wells Fargo Online and mobile app tools for easy account management

    Redemption Options:

    Not applicable, as the card does not earn rewards.

    Credit Requirements:

    Requires good to excellent credit, typically a FICO score of 670 or higher.

    Spending Limitations / Potential Drawbacks:

    No rewards program; a 5% balance transfer fee applies; 3% foreign transaction fee.

    Why it Works for Beginners:

    It helps new credit users manage debt without high interest, making it easy to focus on paying off what they owe.

  • Citi Double Cash® Card

    The Citi Double Cash® Card lets users earn cash back on every purchase they make. It charges no interest on balance transfers for a set introductory period, making it useful for paying down debt.

    This card is designed to give cardholders a simple cash back reward without confusing categories. It appeals to those who want steady rewards while managing their balances.

    Earning Structure:

    • 1% cash back when you buy
    • 1% cash back when you pay for those purchases (total 2% cash back)
    • 5% total cash back on hotel, car rentals, and attractions booked with Citi Travel

    Welcome Bonus:

    Earn $200 cash back after spending $1,500 on purchases in the first 6 months (fulfilled as 20,000 ThankYou® Points).

    Card Details:

    • Annual fee: $0
    • Foreign transaction fees: Applies (percentage not specified in provided details)
    • APR: 0% intro APR on balance transfers for 18 months, then 18.24%–28.24% variable APR
    • Intro balance transfer fee of 3% ($5 minimum) for transfers in first 4 months; 5% fee thereafter
    • Balance transfers do not earn cash back
    • Rewards require at least the minimum payment on time to qualify

    Key Benefits:

    • High cash back rate on all purchases
    • Long 0% APR period for balance transfers
    • No annual fee keeps costs low
    • Simple rewards structure is easy to understand

    Redemption Options:

    Cash back can be redeemed as a statement credit, direct deposit, or converted to Citi ThankYou® Points for travel and other rewards.

    Credit Requirements:

    Typically requires good to excellent credit for approval.

    Spending Limitations / Potential Drawbacks:

    No intro APR on purchases; foreign transaction fee applies; balance transfers incur fees; lacks travel and premium perks found on some no-fee cards.

    Why it Works for Beginners:

    Its straightforward cash back system and long intro APR period make it easy to use and manage.

  • U.S. Bank Shield™ Visa® Card

    The U.S. Bank Shield™ Visa® Card is designed to help users manage debt with a focus on balance transfers. It offers a straightforward way to reduce interest costs on existing credit card balances.

    This card also includes features that protect users from unexpected financial issues. It aims to combine practical benefits with solid support for credit management.

    Earning Structure:

    • 4% cash back on prepaid air, hotel, and car reservations booked directly in the Rewards Center with the card

    Welcome Bonus:

    It does not offer a welcome bonus.

    Card Details:

    • Annual fee: $0
    • Foreign transaction fees: Not specified in provided details
    • APR: 0% intro APR on purchases and balance transfers for 18 billing cycles, then 17.74%–28.74% variable APR
    • Intro balance transfer fee of 3% ($5 minimum) for transfers in first 60 days; 5% fee thereafter
    • $20 annual statement credit after 11 consecutive months of purchases

    Key Benefits:

    • Long 0% intro APR period for balance transfers
    • Low balance transfer fee compared to many cards
    • Fraud and purchase protection included
    • Auto rental collision damage waiver

    Redemption Options:

    Cash back from travel purchases can be redeemed as a statement credit through U.S. Bank’s rewards program.

    Credit Requirements:

    Requires good to excellent credit, typically a FICO score of 670 or higher.

    Spending Limitations / Potential Drawbacks:

    Rewards are limited to prepaid travel bookings through the issuer; the balance transfer fee increases after the intro period.

    Why it Works for Beginners:

    It’s clear balance transfer terms and low fees make it easy to understand for those new to credit cards.

  • Citi Simplicity® Card

    The Citi Simplicity® Card is designed for those who want to pay down debt without extra charges getting in the way. It offers a long 0% intro APR period on balance transfers, making it easier to save on interest.

    There are no late fees or penalty rates with this card, which helps users avoid extra costs if they miss a payment. It is ideal for people focusing on paying off existing balances.

    Earning Structure:

    • This card does not offer cash back or points rewards.
    • It focuses on balance transfer benefits and low fees.

    Welcome Bonus:

    There is no welcome bonus for this card.

    Card Details:

    • Annual fee: $0
    • Foreign transaction fees: Not specified in provided details
    • APR: 0% intro APR on balance transfers for 21 months and on purchases for 12 months, then 18.24%–28.99% variable APR
    • Intro balance transfer fee of 3% ($5 minimum) for transfers in first 4 months; 5% fee thereafter
    • No late fees, no penalty APR, and no annual fee
    • Citi® Quick Lock for card security

    Key Benefits:

    • Long 0% balance transfer period
    • No balance transfer fee for transfers made within 4 months of account opening
    • No late fees or penalty APR to worry about
    • Simple and straightforward terms

    Redemption Options:

    Not applicable, as this card does not earn rewards.

    Credit Requirements:

    Requires good to excellent credit, typically a FICO score of 670 or higher.

    Spending Limitations / Potential Drawbacks:

    No rewards program; minimal ongoing benefits beyond the intro APR offer.

    Why it Works for Beginners:

    Its no-penalty fees and long 0% APR period help new cardholders avoid common credit card mistakes while managing debt effectively.

  • Chase Freedom Flex®

    The Chase Freedom Flex® is a credit card that offers a 0% balance transfer option for new cardholders. It is designed for people who want to manage existing debt while earning rewards on everyday spending.

    This card also features rotating bonus categories that change every quarter. Cardholders can earn cash back on certain types of purchases throughout the year.

    Earning Structure:

    • 5% cash back on up to $1,500 in combined purchases in rotating categories each quarter (activation required)
    • 5% cash back on travel purchased through Chase Travel℠
    • 3% cash back on dining (including takeout and delivery) and drugstore purchases
    • 1% cash back on all other purchases

    Welcome Bonus:

    Earn a $200 bonus after spending $500 on purchases in the first 3 months from account opening.

    Card Details:

    • Annual fee: $0
    • Foreign transaction fees: Not specified in provided details
    • APR: 0% intro APR for 15 months on purchases and balance transfers, then 18.99%–28.49% variable APR
    • Balance transfer fee of up to 5% (minimum $5)
    • Purchase protection, extended warranty protection, trip cancellation/interruption insurance, auto rental coverage (secondary), and cellphone protection included
    • Rewards never expire as long as the account is open

    Key Benefits:

    • Flexible rewards categories change quarterly
    • 0% APR helps with debt payoff
    • No annual fee means low cost to maintain
    • Purchase and travel protection

    Redemption Options:

    Cash back can be redeemed as a statement credit, direct deposit, travel through Chase Travel℠, gift cards, or other options.

    Credit Requirements:

    Requires good to excellent credit, typically a FICO score of 670 or higher.

    Spending Limitations / Potential Drawbacks:

    5% cash back categories have a quarterly spending cap, and the rotating categories require activation each quarter.

    Why it Works for Beginners:

    It combines balance transfer benefits with easy-to-understand rewards, making it a strong choice for those new to credit cards.

  • Capital One VentureOne Rewards Credit Card

    The Capital One VentureOne Rewards Credit Card offers cardholders the ability to earn miles while managing balances with a 0% intro APR on balance transfers. It is designed to give flexibility for those who want to pay down debt and still earn travel rewards.

    This card suits those who travel occasionally and want simple rewards without complex rules. It provides a straightforward way to earn and redeem miles alongside balance transfer benefits.

    Earning Structure:

    • 1.25x miles on every purchase, every day
    • 5x miles on hotels and rental cars booked through Capital One Travel

    Welcome Bonus:

    Earn 20,000 miles after spending $500 on purchases in the first 3 months (equal to $200 in travel).

    Card Details:

    • Annual fee: $0
    • Foreign transaction fees: None
    • APR: 0% intro APR on purchases and balance transfers for 15 months, then 19.24%–29.24% variable APR
    • Balance transfer fee: 3% during the first 15 months; 4% at a promotional APR if offered
    • Miles never expire and have no earning cap

    Key Benefits:

    • Flexible miles redemption for travel or statement credits
    • Travel accident insurance and 24-hour travel assistance
    • No blackout dates on travel rewards

    Redemption Options:

    Miles can be redeemed for travel purchases, bookings through Capital One Travel, or transferred to partner loyalty programs.

    Credit Requirements:

    Requires good to excellent credit, typically a FICO score of 670 or higher.

    Spending Limitations / Potential Drawbacks:

    Highest rewards rates apply only to bookings through Capital One Travel; the base earning rate is modest compared to some travel cards.

    Why it Works for Beginners:

    It combines an easy rewards program with a useful balance transfer offer, helping new users manage debt while earning travel rewards.

  • Chase Freedom Unlimited®

    The Chase Freedom Unlimited® is a credit card designed to help users manage their balance transfers with a 0% introductory APR offer. It suits people who want to pay down debt without extra interest for a set period.

    This card also offers cash back rewards on purchases, making it useful for everyday spending while paying off balances. It combines practical balance transfer features with rewards.

    Earning Structure:

    • 5% cash back on travel purchased through Chase Travel℠
    • 3% cash back on dining (including takeout and delivery) and drugstore purchases
    • 1.5% cash back on all other purchases

    Welcome Bonus:

    Earn a $200 bonus after spending $500 on purchases in the first 3 months from account opening.

    Card Details:

    • Annual fee: $0
    • Foreign transaction fees: Applies (percentage not specified in provided details)
    • APR: 0% intro APR for 15 months on purchases and balance transfers, then 18.99%–28.49% variable APR
    • Intro balance transfer fee of 3% ($5 minimum) for first 60 days, then 5% ($5 minimum) thereafter

    Key Benefits:

    • Earn cash back on everyday spending
    • 0% intro APR on balance transfers to save on interest
    • No annual fee to maintain the card
    • Access to Chase Ultimate Rewards® program

    Redemption Options:

    Cash back can be redeemed as a statement credit, direct deposit, gift cards, or travel bookings through Chase Travel℠.

    Credit Requirements:

    Requires good to excellent credit, typically a FICO score of 670 or higher.

    Spending Limitations / Potential Drawbacks:

    Foreign transaction fee applies; some cards offer a higher base earning rate than 1.5%.

    Why it Works for Beginners:

    It offers a simple way to save on interest while earning cash back, making it easy to manage debt and rewards together.

  • Blue Cash Everyday® Card From American Express

    The Blue Cash Everyday® Card from American Express offers a simple way to save on everyday purchases. It is designed for people who want cash back rewards without a lot of hassle.

    This card also provides a 0% introductory APR on balance transfers for a limited time. This can help users pay down existing credit card debt without extra interest.

    Earning Structure:

    • 3% cash back at U.S. supermarkets (up to $6,000 annually, then 1%)
    • 3% cash back on U.S. online retail purchases (up to $6,000 annually, then 1%)
    • 3% cash back at U.S. gas stations (up to $6,000 annually, then 1%)
    • 1% cash back on other purchases

    Welcome Bonus:

    Earn a $200 statement credit after spending $2,000 in purchases within the first 6 months.

    Card Details:

    • Annual fee: $0
    • Foreign transaction fees: Not specified in provided details
    • APR: 0% intro APR for 15 months on purchases and balance transfers (requested within 60 days), then 20.24%–29.24% variable APR
    • Balance transfer fee: $5 or 3%, whichever is greater

    Key Benefits:

    • Cash back rewards with no annual fee
    • 0% balance transfer offer to save on interest
    • Purchase protection on eligible items

    Redemption Options:

    Cash back is earned as Reward Dollars, redeemable as a statement credit or at Amazon.com checkout.

    Credit Requirements:

    This card generally requires good to excellent credit for approval.

    Spending Limitations / Potential Drawbacks:

    Bonus category earnings are capped at $6,000 annually per category; all other purchases earn just 1% cash back.

    Why it Works for Beginners:

    It is easy to use with clear rewards and helps new cardholders manage debt with a 0% balance transfer offer.

  • Bank of America® Unlimited Cash Rewards Credit Card

    The Bank of America® Unlimited Cash Rewards credit card offers a straightforward cash back program with an attractive first-year earning boost. It also features a 0% intro APR on purchases and balance transfers, making it a practical choice for debt management and everyday spending.

    Preferred Rewards members can earn significantly more, with loyalty bonuses of 25% to 75% on all purchases. This card works well for those who already bank with Bank of America and want to maximize rewards.

    Earning Structure:

    • 2% cash back on purchases for the first year from account opening (no limit)
    • 1.5% unlimited cash back on all purchases after the first year
    • Preferred Rewards members can earn 1.87%–2.62% cash back after the first-year bonus period ends

    Welcome Bonus:

    Earn a $200 online cash rewards bonus after spending $1,000 in purchases in the first 90 days.

    Card Details:

    • Annual fee: $0
    • Foreign transaction fees: Not specified in provided details
    • APR: 0% intro APR for 15 billing cycles on purchases and balance transfers made in the first 60 days, then 18.24%–28.24% variable APR
    • Balance transfer fee: 3% for first 60 days, then 4% thereafter

    Key Benefits:

    • Simple, flat-rate cash rewards
    • Extended 0% APR period for balance transfers
    • Access to Bank of America’s Preferred Rewards program for extra bonuses
    • No annual fee

    Redemption Options:

    Cash back can be redeemed as a statement credit or deposited into eligible Bank of America accounts.

    Credit Requirements:

    Requires good to excellent credit, typically a FICO score of 670 or higher.

    Spending Limitations / Potential Drawbacks:

    Base cash back rate of 1.5% after the first year is lower than some competitors; rewards cannot be deposited into accounts at other banks.

    Why it Works for Beginners:

    Its simple rewards and long 0% balance transfer period make it easy to use and save on interest.

  • U.S. Bank Cash+® Visa Signature® Card

    The U.S. Bank Cash+® Visa Signature® Card offers flexibility in how users earn cash rewards. It focuses on customizable categories that allow cardholders to maximize their cash back in areas they spend the most.

    This card lets users pick two categories each quarter where they earn higher cash back rates. It is designed to help people make the most out of their everyday purchases while also managing their balances with a 0% balance transfer offer.

    Earning Structure:

    • 5% cash back on the first $2,000 spent in combined eligible purchases each quarter on two categories you choose
    • 5% cash back on prepaid air, hotel, and car reservations booked directly in the Rewards Travel Center
    • 2% cash back on one everyday category, such as gas stations and EV charging or grocery stores (excluding discount stores/supercenters and wholesale clubs)
    • 1% cash back on all other eligible purchases

    Welcome Bonus:

    Earn a $200 rewards bonus after spending $1,000 in eligible purchases in the first 90 days.

    Card Details:

    • Annual fee: $0
    • Foreign transaction fees: Applies (percentage not specified in provided details)
    • APR: 0% intro APR on purchases and balance transfers for 15 billing cycles, then 18.49%–28.74% variable APR
    • Cash back rewards with no limit

    Key Benefits:

    • Customizable cash back categories
    • No caps on 1% rewards
    • Access to Visa Signature perks like travel and purchase protections

    Redemption Options:

    Cash back can be redeemed as a statement credit, direct deposit, or gift cards.

    Credit Requirements:

    Requires good to excellent credit, typically a FICO score of 670 or higher.

    Spending Limitations / Potential Drawbacks:

    The 5% cash back applies only to $2,000 in quarterly spending per category. After that, rewards drop to 1%.

    Why it Works for Beginners:

    Its straightforward cash back system and flexible categories help new cardholders control their earnings based on their own spending habits.

Frequently Asked Questions

What are the top-rated credit cards offering 0% APR on balance transfers for the longest period?

The Wells Fargo Reflect® Card offers one of the longest 0% intro APR periods available, lasting up to 21 months. This extended timeframe allows cardholders to pay down balances without accruing interest. It’s a strong choice for anyone focused on maximizing interest-free repayment time.

How do I find balance transfer credit cards with no transfer fee?

The Citi Simplicity® Card waives the balance transfer fee for transfers made within the first four months of account opening. This makes it easier to save money right from the start. Reviewing the card’s terms is key to ensuring the fee-free window matches your needs.

Which credit cards offer 0% balance transfer options for at least 21 months?

The Wells Fargo Reflect® Card provides a 0% APR on balance transfers for up to 21 months. This extended offer helps reduce interest while you focus on repayment. It’s among the top picks for maximizing balance transfer time.

Are there credit cards suitable for fair credit that also provide a 0% balance transfer rate?

The Citi Double Cash® Card is available to applicants starting at a FICO score of around 580, making it accessible for some with fair credit. It includes a 0% intro APR on balance transfers for 18 months. This combination of accessibility and savings potential is rare among balance transfer cards.

What should consumers look for when choosing a balance transfer credit card in 2025?

Look for cards with long 0% APR periods, low or waived balance transfer fees, and annual fees that fit your budget. Cards like the Wells Fargo Reflect® Card and Citi Simplicity® Card meet these criteria. Also consider whether rewards, perks, or travel protections are important for your spending style.