Best Balance Transfer Credit Cards in the USA
If you’re carrying high-interest credit card debt, a balance transfer card can help you get control. These cards give you 0% APR on transferred balances for over a year, so more of your payment goes to the principal. Most charge a transfer fee, but the interest savings usually beat the cost. Whether you want no annual fee or a card that earns rewards, here are some top picks for 2025.
One of the longest intro APR cards around. It offers 0% APR on purchases and qualifying balance transfers for up to 21 months (with on-time minimum payments). No rewards, but the long interest-free period makes it great for paying off big debts.
This card gives you 0% APR on balance transfers for 21 months and on purchases for 12 months. No annual fee and no rewards, just a straightforward tool for paying down debt.
With 0% APR for 18 billing cycles on balance transfers and purchases, this card gives you a solid window to pay off debt interest-free. No annual fee, and you get budgeting tools through the Bank of America app.
Offers 0% APR for 18 months on balance transfers and purchases, with no annual fee. You can earn a credit limit increase and a lower APR by making on-time payments and meeting spending milestones.
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 everything else. Discover matches all cashback at the end of the first year.
Features 0% APR on balance transfers and purchases for 18 billing cycles. No rewards, but it’s great if you need time to pay off balances without interest. Includes cell phone protection when you pay your bill with the card.
Offers 0% APR for 18 months on balance transfers, and earns 2% cash back: 1% when you buy and 1% when you pay. It’s a rare balance transfer card that also gives long-term value after the intro period ends.
