The Best Balance Transfer Cards This Week, August 4, 2025: Breathe Easier With up to 2 Years of 0% APR
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If high interest charges are making it hard to get ahead, a balance transfer card could be the breathing room you've been waiting for.
With average credit card APRs sitting around 21%, moving your balance to a card with 0% intro APR can help you press pause on interest -- sometimes for up to 24 months. Many of these cards also skip the annual fee and even offer cash back, so they can keep working for you long after the debt is gone.
Whether you're trying to catch up or wipe the slate clean, here are the best balance transfer offers 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
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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.
2025 Award Winner
= Best
= Excellent
= Good
= Fair
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= Best
= Excellent
= Good
= Fair
= PoorGood/Excellent (670-850)
Intro APR
Purchases: 0%, 12 months on Purchases
Balance Transfers: 0%, 21 months on Balance Transfers
Regular APR
18.24% - 28.99% (Variable)
Rewards
N/A
Annual Fee N/A
$0
Welcome Offer
N/A
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This is one of our favorite cards for balance transfers. It has 0% intro APR for 21 months on balance transfers and a discounted intro balance transfer fee for the first four months. That combo makes it one of the most generous balance transfer offers we’ve seen. But it doesn't have much ongoing value after the intro 0% APR period ends.
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- Great intro APR
- No annual fee
- No late fees
- No penalty APR
- Choose your own payment date
- No rewards
- Foreign transaction fee
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- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 18.24% - 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- 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).
- Stay protected with Citi® Quick Lock
The Citi Simplicity® Card offers a long 0% intro APR period of 21 months on Balance Transfers (12 months on Purchases). At the end of the intro period a go-to 18.24% - 28.99% (Variable) APR applies.
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).
This card promises no late fees, no penalty rate, and no annual fee... ever!
What to know before you apply for a balance transfer card
A balance transfer card can give you the breathing room you need to get out of debt faster -- but only if you understand how it works. Here's what to know before applying:
Your credit score matters
Most 0% intro APR balance transfer offers are aimed at people with good to excellent credit -- typically a FICO® Score of 670 or higher. Still, your income, existing debts, and overall financial profile also play a role, so a slightly lower score doesn't always mean a denial.
Make sure the 0% window is long enough
These offers don't last forever. Once the intro period ends, any remaining balance will start racking up interest -- usually at a rate over 20%. To make the most of the offer:
- Choose a card that gives you enough time to pay off your balance
- Set a monthly payoff plan to stay on track
- Try not to add new purchases until your transferred debt is gone
Transfers don't work between cards from the same bank
If you have a balance on a Citi card, you won't be able to move it to a new Citi offer. Card issuers only allow transfers from competing banks -- it's how they bring in new customers.
Missing a payment can cancel your 0% rate
A 0% intro APR doesn't mean you can skip payments. If you're late -- even once -- you could lose the promo rate and get hit with the standard or penalty APR instead. Set up auto-pay if you need help staying on top of due dates.
Take control of your debt
Used wisely, a balance transfer card can be a powerful step toward financial freedom. With interest rates still sky-high, there's never been a better time to pause the interest and make real progress. Apply for one of this week's top picks -- or browse more great balance transfer offers here.
FAQs
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A balance transfer can temporarily lower your credit score slightly due to the hard credit inquiry when you apply. However, paying down debt faster can improve your score over time -- especially if you avoid new balances and pay on time each month.
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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.
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You can, but it's usually not a good idea. Many balance transfer cards don't offer 0% APR on new purchases -- just on transferred balances. Even if they do, adding new charges can make it harder to pay off your original debt before interest kicks in.
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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