Best Balance Transfer Credit Cards in the USA

If you’re carrying high-interest credit card debt, a balance transfer credit card can be a powerful tool to regain control of your finances. These cards offer extended 0% APR periods on transferred balances, often for over a year, giving you time to pay down your debt without the added burden of interest charges. While most come with a balance transfer fee, the savings from interest-free months can outweigh the upfront cost. Whether you're looking for a no-annual-fee option or prefer a card that also earns rewards, there are several top choices available in 2025. Below are some of the best balance transfer credit cards in the U.S., including their standout features and official sites for more information.

1. Wells Fargo Reflect® Card

2. Citi® Diamond Preferred® Card

3. BankAmericard® Credit Card

4. Chase Slate Edge℠

5. Discover it® Balance Transfer

6. U.S. Bank Visa® Platinum Card

7. Citi® Double Cash® Card

One of the longest intro APR cards available, offering 0% APR on purchases and qualifying balance transfers for up to 21 months (with on-time minimum payments). There are no rewards, but its generous interest-free period makes it ideal for large debt payoffs.

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This card offers 0% APR on balance transfers for 21 months and on purchases for 12 months. There are no annual fees or rewards, focusing purely on debt repayment. Perfect for those prioritizing interest savings over perks.

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With 0% APR for 18 billing cycles on balance transfers and purchases, this card gives users a solid window to pay off debt interest-free. It comes with no annual fee and access to budgeting tools through the Bank of America app.

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Offers 0% APR for 18 months on balance transfers and purchases, with no annual fee. Cardholders can potentially earn a credit limit increase and a lower APR by making on-time payments and meeting spending milestones.

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Provides 0% APR for 18 months on balance transfers and 6 months on purchases. It also earns cashback—5% in rotating quarterly categories (activation required) and 1% on other purchases—with Discover matching all cashback at the end of the first year.

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Features 0% APR on balance transfers and purchases for 18 billing cycles. While it doesn't earn rewards, it’s excellent for those needing time to pay off balances without interest. Includes cell phone protection when you pay your bill with the card.

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Offers 0% APR for 18 months on balance transfers, and earns 2% cash back—1% when you buy and 1% when you pay. This makes it a rare balance transfer card that also delivers long-term value after the intro period ends.

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