The Best Balance Transfer Cards This Week, August 11, 2025: Say Goodbye to Interest for 2 Years
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Paying down credit card debt is tough when interest keeps piling up. With rates now around 21% on average, it can feel like you're running in place.
A good balance transfer card can change that. Many offer 0% intro APR for up to two years, no annual fee, and even cash back on new purchases. That means more of your money goes toward the balance -- not the bank.
If you need time to catch up or want a clean start, here are the top balance transfer cards this week.
Top balance transfer credit cards
2025 Award Winner
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= PoorGood/Excellent (670-850)
Intro APR 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers
Purchases: 0% intro APR, 21 months from account opening
Balance Transfers: 0% intro APR, 21 months from account opening on qualifying balance transfers
Regular APR
17.24%, 23.74%, or 28.99% Variable APR
Rewards
N/A
Annual Fee
$0
Welcome Offer
N/A
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This no-frills card is a solid choice if your priority is to avoid credit card interest for as long as possible. It offers an incredible intro APR. The balance transfer fee (5%; $5 min.) is higher than some cards, but if you want an equally long intro APR on purchases, this card is hard to beat.
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- Long 0% intro APR offer
- No annual fee
- Cellphone protection
- Balance transfer fee
- Foreign transaction fee
- No rewards program
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- 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. 17.24%, 23.74%, or 28.99% 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.
The Wells Fargo Reflect® Card (rates and fees) stands out for its long 0% intro APR period of 21 months from account opening for purchases and qualifying balance transfers. It's best for people who are serious about paying off debt -- not for people who are looking for a lifelong rewards card.
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= PoorGood/Excellent (670-850)
Intro APR
Purchases: 0%, 6 months
Balance Transfers: 0%, 18 months
Regular APR
18.24% - 27.24% Variable APR
Rewards 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
1% - 2% Cashback
Annual Fee
$0
Welcome Offer 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.
Discover will match all the cash back you’ve earned at the end of your first year.
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The main draw of this Discover card is the balance transfer offer, which is one of the best we've come across. Unlike many balance transfer cards, it combines that with cash back rewards. But the cash back program doesn't measure up to what other cards offer.
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- Welcome bonus offer
- Gas and restaurants rewards
- 0% intro APR
- No annual fee
- No foreign transaction fee
- Low cash back rates
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- 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. Plus earn unlimited 1% cash back on all other purchases.
- Get a 0% intro APR for 18 months on balance transfers. Then 18.24% to 27.24% Standard Variable APR applies, based on credit worthiness.
- Redeem cash back for any amount
- No annual fee.
- Terms and conditions apply.
The Discover it® Chrome card has a shorter 0% intro APR period of 18 months for balance transfers and 6 months for purchases. (A go-to 18.24% - 27.24% Variable APR applies at the end of the intro periods.)
However, it pays 2% cash back on gas stations and restaurants, up to $1,000 in combined purchases each quarter, so it's worth keeping after the intro period ends. It also has a low 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*.
U.S. Bank Shield™ Visa® credit card
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= PoorGood/Excellent (670-850)
Intro APR For a limited time, get a special 0% intro APR on purchases and balance transfers for 24 billing cycles. After that the APR is variable, currently 17.74% - 28.74%.
Purchases: 0%, 24 billing cycles
Balance Transfers: 0%, 24 billing cycles
Regular APR
17.74% - 28.74% (Variable)
Rewards 4% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center when you use your card.
4% cash back
Annual Fee
$0
Welcome Offer
N/A
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- For a limited time, get a special 0% intro APR on purchases and balance transfers for 24 billing cycles. After that the APR is variable, currently 17.74% - 28.74%.
- Enjoy great benefits with no annual fee.
- 4% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center when you use your card.
- Earn a $20 annual statement credit for 11 consecutive months of purchases.
- Get an opportunity to set up a 3-month $0 ExtendPay Plan offer each calendar year after the new account 0% introductory purchase APR offer has expired.
- Get up to $600 reimbursed if your cell phone is stolen or damaged when you pay your monthly cellular bill with your card.
- Stay aware of your credit score to help keep your finances safe. Enroll in the mobile app and online banking to view your score at anytime.
- Get your cash back directly deposited into your U.S. Bank checking or savings account, as a statement credit, a rewards card and more.
The U.S. Bank Shield™ Visa® credit card offers an industry-leading 24 billing cycles of 0% intro APR for both balance transfers and purchases. It also pays 4% cash back on some travel purchases -- though if you really want travel rewards, you're better off upgrading to a top travel card after you've paid off your balance.
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= Excellent
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= PoorFair to Excellent (580-850)
Intro APR
Purchases: N/A
Balance Transfers: 0%, 18 months on Balance Transfers
Regular APR
18.24% - 28.24% (Variable)
Rewards Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
2% cash back
Annual Fee N/A
$0
Welcome Offer Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
$200
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This card combines a top-notch balance transfer offer with best-in-class unlimited 2% cash back on purchases. There's no introductory APR for purchases, so you'll need to pay those off in full every month if you want to avoid interest charges.
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- High cash back
- 0% intro APR balance transfer offer
- No annual fee
- Free credit score monitoring
- Foreign transaction fee
- No 0% intro APR on purchases
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- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
The Citi Double Cash® Card offers a long 0% intro APR period of 18 months on Balance Transfers. At the end of the intro period a go-to 18.24% - 28.24% (Variable) APR applies.
Unlike a lot of balance transfer cards that focus only on debt payoff, the Citi Double Cash® Card also rewards you for your spending. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
What to know before you apply
A balance transfer card can give you some breathing room -- and help you get rid of debt faster -- if you use it the right way. Before you apply, here's what to keep in mind:
Pick a card with enough time to pay it off
The 0% APR clock starts ticking the moment your transfer is complete. Once the intro period ends, the remaining balance will jump to the card's regular APR -- often 20% or higher. To stay ahead:
- Choose a card with a 0% window long enough to clear your debt
- Make a monthly plan and stick to it
- Hold off on new purchases until your old balance is gone
Your credit score plays a big role
Most balance transfer offers target people with good or excellent credit -- usually a FICO® Score of 670 or higher. But lenders also look at your income and other debts, so a slightly lower score doesn't always mean a "no."
You can't move balances between cards from the same bank
Got a Chase card? You can't transfer its balance to another Chase card. Issuers offer balance transfers to bring in new customers, not shuffle debt around in-house.
One late payment can ruin the deal
A 0% intro APR isn't a free pass to skip payments. Miss even one due date and your promo rate could vanish, replaced by the standard or even penalty APR. Auto-pay can be your best friend here.
Time to breathe easier
Done right, a balance transfer card can save you serious money and speed up your debt payoff. With interest rates still sky-high, now's a smart time to make your move. Check out this week's best picks above -- or explore more great balance transfer card options here.
FAQs
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Choose a card with a 0% intro period long enough to clear your debt, make a monthly payoff plan, and avoid new purchases until your old balance is gone.
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With average credit card rates around 21%, moving your balance to a 0% intro APR card could save you a lot in interest and help you pay off debt sooner.
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Most balance transfer cards charge a fee of 3% to 5% of the amount transferred. For example, moving $5,000 to a new card could cost $150 to $250. Even with the fee, you'll likely save more in interest if you pay off your balance during the 0% intro period.
Our Research Expert
Managing editor for Motley Fool Money. James has worked full-time for The Motley Fool since 2012. A longtime editor and former reporter, James oversees the production and quality of Motley Fool Money's editorial content.
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