10 Best Balance Transfer Credit Cards in 2025: Save Money on Interest
Carrying a balance on your credit card can quickly become expensive with today’s high interest rates. A balance transfer credit card can be a smart solution—helping you pay down debt faster by offering 0% intro APR periods on transferred balances (and often on new purchases too).
In this guide, we’ll explore the 10 best balance transfer credit cards in 2025, including intro APR offers, regular APRs, rewards rates, and why these cards are worth considering. Whether you want the longest intro APR, cash-back rewards, or a card tailored for military members, you’ll find the right option here.
Why These 10 Cards Made the List
We carefully selected these balance transfer credit cards because they offer:
- Generous 0% intro APR periods on balance transfers (some up to 21 months).
- Low or competitive regular APRs once the intro period ends.
- Added value through rewards, perks, or fee waivers.
- Relevance for US consumers, including military members and everyday spenders.
Now, let’s dive into the details of each card.
1. Wells Fargo Reflect® Card – Best for Longest Intro Period for Transfers & Purchases
- Intro APR: 0% for up to 21 months on purchases and qualifying balance transfers.
- Regular APR: Variable, around 18.24% – 29.99%.
- Rewards Rate: None (focused on debt repayment).
- Why Included: The longest intro period in the market makes it ideal for anyone serious about paying off debt without added rewards complexity.
2. Citi Simplicity® Card – Best for Extra-long Intro Period + No Late Fees
- Intro APR: 0% for 21 months on balance transfers; 0% for 12 months on purchases.
- Regular APR: Variable, about 19.24% – 29.99%.
- Rewards Rate: None.
- Why Included: No late fees, no penalty APR, and one of the longest balance transfer windows available.
3. Citi® Diamond Preferred® Card – Best for Extra-long Balance Transfer Offer
- Intro APR: 0% for 21 months on balance transfers; 0% for 12 months on purchases.
- Regular APR: Variable, around 18.24% – 28.99%.
- Rewards Rate: None.
- Why Included: Long intro APR, plus Citi’s reliability—excellent for large balance transfers.
4. Discover it® Cash Back (18-Month Intro Balance Transfer Offer) – Best for Long Intro + Quarterly Categories
- Intro APR: 0% for 18 months on balance transfers; 0% for 6 months on purchases.
- Regular APR: 17.24% – 28.24% variable.
- Rewards Rate: 5% cash back on rotating categories (up to $1,500 per quarter), 1% everywhere else.
- Why Included: Combines balance transfer perks with rewards earning and the Cashback Match™ bonus.
5. Navy Federal Credit Union® Platinum Credit Card – Best for Military
- Intro APR: 0% intro APR for 12 months on balance transfers.
- Regular APR: Exceptionally low, around 11.24% – 18% (variable).
- Rewards Rate: None.
- Why Included: Exclusively for military members and families, with lower-than-average APRs even after the intro period.
6. Discover it® Chrome – Best for Long Intro + Gas and Dining Rewards
- Intro APR: 0% for 18 months on balance transfers; 0% for 6 months on purchases.
- Regular APR: 17.24% – 28.24% variable.
- Rewards Rate: 2% cash back at gas stations and restaurants (up to $1,000 in combined purchases quarterly), 1% everywhere else.
- Why Included: For those who want balance transfer savings plus everyday dining and gas rewards.
7. Citi Double Cash® Card – Best for 2% Cash Back
- Intro APR: 0% for 18 months on balance transfers.
- Regular APR: 19.24% – 29.24% variable.
- Rewards Rate: 2% cash back (1% when you buy, 1% when you pay).
- Why Included: One of the few balance transfer cards with unlimited 2% cash back, making it both a debt repayment and rewards card.
8. Chase Freedom Unlimited® – Best for All-around Cash Back
- Intro APR: 0% for 15 months on purchases and balance transfers.
- Regular APR: 20.24% – 29.99% variable.
- Rewards Rate: 5% on travel via Chase, 3% on dining/drugstores, 1.5% on everything else.
- Why Included: Strong balance transfer option plus top-tier rewards—a true all-around performer.
9. Chase Freedom Flex® – Best for Quarterly Cash Back Categories
- Intro APR: 0% for 15 months on purchases and balance transfers.
- Regular APR: 20.24% – 29.99% variable.
- Rewards Rate: 5% on rotating categories (up to $1,500 quarterly), 5% on Chase travel, 3% dining/drugstores, 1% elsewhere.
- Why Included: Combines a balance transfer perk with seasonal bonus categories for maximum rewards.
10. U.S. Bank Visa® Platinum Card – Best for Long Intro + Side Perks
- Intro APR: 0% for 18 billing cycles on purchases and balance transfers.
- Regular APR: 18.74% – 29.74% variable.
- Rewards Rate: None.
- Why Included: One of the longest intro APR cards, plus cell phone protection benefits.
Comparison Table – Best Balance Transfer Credit Cards
| Credit Card | Intro APR | Regular APR | Rewards Rate | Best For |
|---|---|---|---|---|
| Wells Fargo Reflect® | 0% up to 21 mo. | 18.24–29.99% | None | Longest intro period |
| Citi Simplicity® | 0% 21 mo. transfers | 19.24–29.99% | None | Extra-long + no late fees |
| Citi Diamond Preferred® | 0% 21 mo. transfers | 18.24–28.99% | None | Long transfers |
| Discover it® Cash Back | 0% 18 mo. transfers | 17.24–28.24% | 5%/1% | Intro + rewards |
| Navy FCU Platinum | 0% 12 mo. transfers | 11.24–18% | None | Military |
| Discover it® Chrome | 0% 18 mo. transfers | 17.24–28.24% | 2% gas/dining | Balance + rewards |
| Citi Double Cash® | 0% 18 mo. transfers | 19.24–29.24% | 2% | Balance + 2% cash back |
| Chase Freedom Unlimited® | 0% 15 mo. | 20.24–29.99% | 5%/3%/1.5% | All-around |
| Chase Freedom Flex® | 0% 15 mo. | 20.24–29.99% | 5%/3%/1% | Quarterly rewards |
| U.S. Bank Visa® Platinum | 0% 18 cycles | 18.74–29.74% | None | Long intro + perks |
Top 10 FAQs About Balance Transfer Credit Cards
1. What is a balance transfer credit card?
A credit card that allows you to move high-interest debt from another card and pay it off during a low or 0% intro APR period.
2. Do balance transfers hurt my credit score?
Initially, your score may dip slightly due to a hard inquiry, but paying down debt can improve your score over time.
3. How much can I transfer?
It depends on your credit limit. Some issuers may limit how much of your available credit can be used for transfers.
4. Is there a balance transfer fee?
Most cards charge 3%–5% of the transferred balance, though a few promotions may waive it.
5. Can I transfer balances between cards from the same bank?
Usually no. For example, you can’t transfer a Chase balance to another Chase card.
6. What happens after the intro APR ends?
Your remaining balance accrues interest at the regular APR.
7. Are rewards earned on transferred balances?
No. Rewards apply only to new purchases, not balance transfers.
8. Which card has the longest 0% intro APR?
Wells Fargo Reflect, Citi Simplicity, and Citi Diamond Preferred all offer up to 21 months.
9. Should I close my old credit card after transferring a balance?
Not necessarily—keeping it open helps your credit utilization ratio.
10. Who should consider a balance transfer card?
Anyone with high-interest credit card debt who can commit to paying it down during the 0% intro period.
Final Thoughts
The 10 best balance transfer credit cards in 2025 can save American consumers thousands of dollars in interest. From the ultra-long intro APR offers of the Wells Fargo Reflect® and Citi Simplicity®, to reward-focused cards like the Chase Freedom Unlimited® and Discover it® Cash Back, there’s an option for every type of cardholder.
If your goal is to pay off debt faster, choosing the right card with a 0% intro APR can be one of the smartest financial moves you’ll make this year.
