Save $2,000+ in Interest — Get Up to 21 Months of 0% APR
Join thousands of people saving an average of $2,000+ in interest when they use a balance transfer credit card to pause interest for up to 21 months. The following offers from our partners are excellent options and some of the best on the market.
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Best Overall
Incredibly Long 0% Intro APR on Purchases & Qualifying Balance Transfers
Wells Fargo Reflect® Card
Top Feature
Low deductible cell phone protectionIntro APR
0% intro APR for 21 months from account opening on purchases and on qualifying balance transfersRegular APR
17.74%, 24.24%, or 28.49% Variable APRCash Rewards
N/AAnnual Fee
$0Recommended Credit Score
Excellent/Good (670 – 850*)
Show All Card Details +
Critic's Overview
This card from Wells Fargo is a standout in both the Low APR and Balance Transfer categories. It offers a very generous intro APR period and you get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with this card. Read our in-depth Review to learn more.Card Details From Issuer
- 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.
Apply Now
On Wells Fargo's secure site
Best Overall
Incredibly Long 0% Intro APR on Purchases & Qualifying Balance Transfers
Intro APR
0% intro APR for 21 months from account opening on purchases and on qualifying balance transfers
Regular APR
17.74%, 24.24%, or 28.49% Variable APR
Annual Fee
$0
Top Feature
Low deductible cell phone protection
Recommended Credit Score
Excellent/Good (670 – 850*)
Apply Now
On Wells Fargo's secure site
Show All Card Details +
Critic's Overview
This card from Wells Fargo is a standout in both the Low APR and Balance Transfer categories. It offers a very generous intro APR period and you get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with this card. Read our in-depth Review to learn more.Card Details From Issuer
- 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.
Apply Now
On Wells Fargo's secure site
Popular Pick
Extremely long intro APR on Balance Transfers Plus Citi Entertainment® Perks
Citi® Diamond Preferred® Card
Top Feature
Citi Entertainment® PerksIntro APR
0% intro APR for 12 months on Purchases0% intro APR for 21 months on Balance Transfers
Regular APR
16.74% – 27.49% (Variable)Rewards
N/AAnnual Fee
$0Recommended Credit Score
Excellent/Good (670 – 850*)
Show All Card Details +
Critic's Overview
If you are looking for a balance transfer card then this option from Citi, an advertising partner, may be a good uncomplicated option. You will pay no annual fee and save money on interest with one of the longest intro APR periods currently available on balance transfers. The balance transfer fee is higher than many other cards we review so make sure to take that into consideration. Read our in-depth Review to learn more.Card Details From Issuer
- 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 a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- No Annual Fee – our low intro rates and all the benefits don’t come with a yearly charge.
Apply Now
On Citi®'s secure site
Popular Pick
Extremely long intro APR on Balance Transfers Plus Citi Entertainment® Perks
Intro APR
0% intro APR for 12 months on Purchases
0% intro APR for 21 months on Balance Transfers
0% intro APR for 21 months on Balance Transfers
Regular APR
16.74% – 27.49% (Variable)
Annual Fee
$0
Top Feature
Citi Entertainment® Perks
Recommended Credit Score
Excellent/Good (670 – 850*)
Apply Now
On Citi®'s secure site
Show All Card Details +
Critic's Overview
If you are looking for a balance transfer card then this option from Citi, an advertising partner, may be a good uncomplicated option. You will pay no annual fee and save money on interest with one of the longest intro APR periods currently available on balance transfers. The balance transfer fee is higher than many other cards we review so make sure to take that into consideration. Read our in-depth Review to learn more.Card Details From Issuer
- 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 a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- No Annual Fee – our low intro rates and all the benefits don’t come with a yearly charge.
Apply Now
On Citi®'s secure site
0% Intro APR For 18 Months on Balance Transfers
Discover it® Chrome
Welcome Bonus
Discover will match all the cash back you’ve earned at the end of your first year.Intro APR
0% Intro APR on purchases for 6 months0% Intro APR on balance transfers for 18 months
Regular APR
17.74% – 26.74% Variable APRCash Back
1% – 2% Earn 2% Cash Back At Gas Stations And Restaurants On Up To $1,000 In Combined Purchases Each Quarter.Earn 1% Unlimited Cash Back On All Other Purchases – Automatically
Annual Fee
$0Recommended Credit Score
Excellent/Good (670 – 850*)
Show All Card Details +
Critic's Overview
A solid choice for those who spend modestly (the 2% categories are capped at $1,000 in combined purchases each quarter) and are looking for a straight forward cash back credit card focused on gas and restaurants. The dollar-for-dollar match of the cash back you’ve earned your first year is a unique bonus opportunity. Read our in-depth Review to learn more.Card Details From Issuer
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. 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.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. You’ll still earn unlimited 1% cash back on all other purchases.
- Get a 0% intro APR for 18 months on balance transfers. Then 17.74% to 26.74% Standard Variable APR applies, based on credit worthiness.
- Redeem cash back for any amount
- No annual fee.
- Terms and conditions apply.
Updated December 4, 2025
Apply Now
On Discover's secure site
0% Intro APR For 18 Months on Balance Transfers
Intro APR
0% Intro APR on purchases for 6 months
0% Intro APR on balance transfers for 18 months
0% Intro APR on balance transfers for 18 months
Regular APR
17.74% – 26.74% Variable APR
Welcome Bonus
Discover will match all the cash back you’ve earned at the end of your first year.
Cash Back
1% – 2% Earn 2% Cash Back At Gas Stations And Restaurants On Up To $1,000 In Combined Purchases Each Quarter.
Earn 1% Unlimited Cash Back On All Other Purchases – Automatically
Earn 1% Unlimited Cash Back On All Other Purchases – Automatically
Annual Fee
$0
Recommended Credit Score
Excellent/Good (670 – 850*)
Apply Now
On Discover's secure site
Show All Card Details +
Critic's Overview
A solid choice for those who spend modestly (the 2% categories are capped at $1,000 in combined purchases each quarter) and are looking for a straight forward cash back credit card focused on gas and restaurants. The dollar-for-dollar match of the cash back you’ve earned your first year is a unique bonus opportunity. Read our in-depth Review to learn more.Card Details From Issuer
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. 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.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. You’ll still earn unlimited 1% cash back on all other purchases.
- Get a 0% intro APR for 18 months on balance transfers. Then 17.74% to 26.74% Standard Variable APR applies, based on credit worthiness.
- Redeem cash back for any amount
- No annual fee.
- Terms and conditions apply.
Updated December 4, 2025
Apply Now
On Discover's secure site
Great For Choosing Your Top Category
Bank of America® Customized Cash Rewards credit card
Apply Now
On Bank of America's secure site
Welcome Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account openingIntro APR
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 daysRegular APR
17.74% – 27.74% Variable APRCash Back
1% – 6% 6% cash back for the first year in the category of your choice and 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category / grocery store / wholesale club quarterly purchases.After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category and 2% cash back at grocery stores and wholesale clubs, up to the quarterly maximum.
1% cash back on all other purchases.
If you’re a Bank of America Preferred Rewards® member, you can earn 25% – 75% more cash back on every purchase. The Preferred Rewards bonus is not applied to the 3% first year bonus.
Annual Fee
$0Recommended Credit Score
Excellent/Good (670 – 850*)
Show All Card Details +
Critic's Overview
The Bank of America® Customized Cash Rewards credit card is a top contender in the field of cash back cards without annual fees especially if you’re looking for a generous intro APR. With an easy to achieve intro bonus and fantastic ongoing cash back rewards, it checks all the important boxes. Read our in-depth Review to learn more.Card Details From Issuer
- Earn 6% cash back for the first year in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. 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.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means the 3% choice category could go up to 3.75%-5.25%. The Preferred Rewards bonus is not applied to the 3% first-year bonus.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 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 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Updated December 4, 2025
Apply Now
On Bank of America's secure site
Great For Choosing Your Top Category
Apply Now
On Bank of America's secure site
Intro APR
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
Regular APR
17.74% – 27.74% Variable APR
Welcome Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Cash Back
1% – 6% 6% cash back for the first year in the category of your choice and 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category / grocery store / wholesale club quarterly purchases.
After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category and 2% cash back at grocery stores and wholesale clubs, up to the quarterly maximum.
1% cash back on all other purchases.
If you’re a Bank of America Preferred Rewards® member, you can earn 25% – 75% more cash back on every purchase. The Preferred Rewards bonus is not applied to the 3% first year bonus.
After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category and 2% cash back at grocery stores and wholesale clubs, up to the quarterly maximum.
1% cash back on all other purchases.
If you’re a Bank of America Preferred Rewards® member, you can earn 25% – 75% more cash back on every purchase. The Preferred Rewards bonus is not applied to the 3% first year bonus.
Annual Fee
$0
Recommended Credit Score
Excellent/Good (670 – 850*)
Apply Now
On Bank of America's secure site
Show All Card Details +
Critic's Overview
The Bank of America® Customized Cash Rewards credit card is a top contender in the field of cash back cards without annual fees especially if you’re looking for a generous intro APR. With an easy to achieve intro bonus and fantastic ongoing cash back rewards, it checks all the important boxes. Read our in-depth Review to learn more.Card Details From Issuer
- Earn 6% cash back for the first year in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. 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.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means the 3% choice category could go up to 3.75%-5.25%. The Preferred Rewards bonus is not applied to the 3% first-year bonus.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 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 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Updated December 4, 2025
Apply Now
On Bank of America's secure site
Still Browsing? Here’s How to Make a Balance Transfer Card Your Next Best Financial Move
Transfer Smarter, Not Harder: A Simple Guide to Using Balance Transfer Cards Effectively
Balance transfer cards can be powerful tools when used strategically. Start by transferring your balance to a card with a 0% introductory APR to pause interest and give yourself breathing room. During this window, focus on making consistent, on-time payments to aggressively reduce your principal. Try to avoid using the card for new purchases, as these may accrue interest and undermine your progress. Always pay attention to the length of the promotional period and set reminders before it ends. If you’re disciplined and plan, you have the potential to save a lot of money on interest.
Picking the Wrong Card Could Cost You—Here’s How to Choose the Right One
Not all balance transfer cards are created equal. Look beyond flashy offers and focus on what really matters: length of the 0% APR period, balance transfer fees, and whether there’s a penalty APR in the fine print of the card details. A longer intro period gives you more time to pay off your debt without interest, while a lower transfer fee saves you money upfront. Consider whether the card charges an annual fee and if it aligns with your financial habits. The best card is the one that meets your financial goals. If you are interested in a card that offers rewards on spending make that a secondary consideration. Focus on paying down that balance within the promotional period and then utilize the card to start earning rewards.
What Most Cardholders Get Wrong (So You Don’t Have To)
A balance transfer card can be a very powerful tool, but mistakes can still happen. One common mistake is only making minimum payments during the 0% APR period, which leaves a large balance once interest kicks in. Another common mistake is forgetting to factor in the transfer fee, which can be 3–5% or more. Avoid using the new card for additional purchases, as this could trigger unexpected interest charges. A very detrimental mistake that should be avoided is missing a payment. This results in a late fee, as well as potentially wiping out your temporary 0% APR. Consider automating payments paying at least the minimum to avoid this dangerous mistake. By understanding these pitfalls in advance, you can set up an effective plan and maximize your savings. Learn from common missteps—and let your balance transfer cards work for you, not against you.
Now that you’re ready for your new balance transfer credit card, click here to be taken up to our best offer.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics™ references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.