Best Low APR & Balance Transfer Cards for December 2025

Best Low APR & Balance Transfer Cards for December 2025

If you are looking to save money with a generous 0% intro APR period on purchases, balance transfers, or both, then the following cards from our partners would all be great options.

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Best Overall

Citi® Diamond Preferred® Card

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on Citi®’s secure site
Why You Should Apply
This card offers 21-month 0% intro APR on balance transfers — one of the longest available — along with 12 months of no interest on purchases!
Intro APR
0% intro APR for 21 months on Balance Transfers
0% intro APR for 12 months on Purchases
Regular APR
16.74% – 27.49% (Variable)
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Rewards
N/A
Welcome Bonus
N/A
Rates and Fees

Bank of America® Customized Cash Rewards credit card

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on Bank of America’s secure site
Why You Should Apply
This card is a strong choice for anyone looking for flexible cash back, no annual fee, and an extended introductory APR on purchases and balance transfers. Plus, during your first year, you’ll earn boosted cash back in the category you choose each month.
Intro APR
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
0% Intro APR for 15 billing cycles for purchases
Regular APR
17.74% – 27.74% Variable APR
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
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.
Welcome Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

Discover it® Chrome

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on Discover’s secure site
Why You Should Apply
This is a solid choice for anyone in the market for a balance transfer credit card that offers cash back rewards. The dollar-for-dollar match of the cash back you’ve earned your first year is a nice bonus.
Purchase APR
0% Intro APR on purchases for 6 months, then 17.74% – 26.74% Variable APR
Balance Transfer APR
0% Intro APR on balance transfers for 18 months, then 17.74% – 26.74% Variable APR
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Rewards
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
Welcome Bonus
Discover will match all the cash back you’ve earned at the end of your first year.
Rates and Fees

Chase Freedom Unlimited®

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on Chase’s secure site
Why You Should Apply
Get unlimited 1.5% cash back on every purchase, plus bonus rewards on travel, dining, and drugstore purchases—all with no annual fee and easy cash-back redemption!
Purchase APR
0% Intro APR on Purchases for 15 months, then 18.49% – 27.99% Variable
Balance Transfer APR
0% Intro APR on Balance Transfers for 15 months, then 18.49% – 27.99% Variable
Annual Fee
$0
Recommended Credit Score
Good – Excellent
670 – 850*
Cash Back
1.5% – 5% Enjoy 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 1.5% on all other purchases
Welcome Bonus
Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Rates and Fees
Best for Low APR & Travel

Bank of America® Travel Rewards credit card

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on Bank of America’s secure site
Why You Should Apply
This card is a great option if you are looking for a straightforward travel card that comes with no annual fee, a welcome bonus, and a generous intro APR for purchases and balance transfers.
Purchase APR
0% Intro APR for 15 billing cycles for purchases, then 17.74% – 27.74% Variable APR 
Balance Transfer APR
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, then 17.74% – 27.74% Variable APR
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Rewards
1.5x – 3x Points 1.5 points per $1 spent on all purchases.

3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.

If you’re a Bank of America Preferred Rewards® member, you can earn 25% – 75% more points on every purchase.
Welcome Bonus
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases

Wells Fargo Reflect® Card

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on Wells Fargo’s secure site
Why You Should Apply
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.
Purchase APR
0% intro APR for 21 months from account opening on purchases, then 17.74%, 24.24%, or 28.49% Variable APR
Balance Transfer APR
0% intro APR for 21 months from account opening on qualifying balance transfers, then 17.74%, 24.24%, or 28.49% Variable APR
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Cash Rewards
N/A
Welcome Bonus
N/A
Rates and Fees

Capital One VentureOne Rewards Credit Card

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on Capital One’s secure site
Why You Should Apply
The Capital One VentureOne Rewards Credit Card offers straightforward benefits without an annual fee. There is an easy to earn bonus opportunity and a generous intro APR.
Purchase APR
0% intro on purchases for 15 months, then 18.99% – 28.99% (Variable)
Balance Transfer APR
0% intro on balance transfers for 15 months, then 18.99% – 28.99% (Variable)
Annual Fee
$0
Recommended Credit Score
Excellent, Good
670 – 850*
Rewards
1.25X – 5X Earn unlimited 1.25X miles on every purchase, every day.

Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel.
Welcome Bonus
For a limited time, earn $300 in travel bonuses. Enjoy $100 to use on Capital One Travel in your first cardholder year, plus earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening – that’s equal to $300 in travel. Offer ends 12/8/25
Rates and Fees

Discover it® Cash Back

Apply Now
on Discover’s secure site
Why You Should Apply
You’ll save money on interest, pay no annual fee, earn impressive cash back on your everyday spending and have all of the cash back you’ve earned in your first year automatically matched.
Purchase APR
0% Intro APR on purchases for 15 months, then 17.74% – 26.74% Variable APR
Balance Transfer APR
0% Intro APR on balance transfers for 15 months, then 17.74% – 26.74% Variable APR
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Cash Back
1% – 5% Earn 5% Cash Back At Different Places Each Quarter Up To The Quarterly Maximum When You Activate.

Earn 1% Unlimited Cash Back On All Other Purchases – Automatically
Welcome Bonus
Discover will match all the cash back you’ve earned at the end of your first year.
Rates and Fees

Blue Cash Preferred® Card from American Express

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on American Express’ secure site
Why You Should Apply
This top-rated cash back card offers a very generous welcome offer, a substantial list of perks, and statement credit opportunities. There is a $0 intro annual fee for the first year, then $95.
Purchase APR
0% intro APR on purchases for 12 months from the date of account opening, then 19.74%-28.74% Variable
Balance Transfer APR
0% intro APR on balance transfers for 12 months from the date of account opening, then 19.74%-28.74% Variable
Annual Fee
$0 intro annual fee for the first year, then $95.
Recommended Credit Score
Good – Excellent
Cash Back
1% – 6% Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).

Earn 6% cash back on select U.S. streaming subscriptions.

Earn 3% cash back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).

Earn 1% cash back on other purchases.

Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Welcome Offer
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
Rates and Fees |Terms Apply

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.

Apply Now

on Citi®'s secure site

Rates and Fees


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.