Best Balance Transfer Cards This Week, Jan. 26, 2026: Get Rid of Holiday Debt for Good
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Holiday spending has a way of sticking around well into the new year. And with credit card APRs still near 21%, it doesn't take long for those balances to start creeping up again.
A balance transfer card can help you take control. Many come with 0% intro APR for nearly two years, no annual fee, and sometimes even cash back on new purchases. That break from interest gives you the breathing room you need to actually move the needle.
If clearing out holiday debt is part of your January reset, these are the best balance transfer cards to consider this week.
Top balance transfer credit cards this week
2026 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 for 21 months from account opening on purchases
Balance Transfers: 0% intro APR for 21 months from account opening on qualifying balance transfers
Regular APR
17.49%, 23.99%, or 28.24% 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 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers (17.49%, 23.99%, or 28.24% Variable APR after). The balance transfer fee (5%; $5 min.) is higher than some cards, but if you want an equally long intro APR on purchases and balance transfers, this card is hard to beat.
Read Full Review -
- 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. 17.49%, 23.99%, or 28.24% 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.
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= PoorGood/Excellent (670-850)
Intro APR
Purchases: 0%, 12 months on Purchases
Balance Transfers: 0%, 21 months on Balance Transfers
Regular APR
16.49% - 27.24% (Variable)
Rewards
N/A
Annual Fee N/A
$0
Welcome Offer
N/A
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This card sets itself apart with an incredible 21-month 0% intro APR offer on qualifying balance transfers and no annual fee, making it a top pick for anyone looking for ample time to pay off credit card debt. Plus, you can choose from any available payment date. That way, you can set up automatic payments that are aligned with your paycheck.
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- Great intro APR
- No annual fee
- Free credit score monitoring
- No rewards
- Foreign transaction fee
- High balance transfer fee
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- 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 16.49% - 27.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- No Annual Fee - our low intro rates and all the benefits don’t come with a yearly charge.
2026 Award Winner
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= PoorGood/Excellent (670-850)
Intro APR
Purchases: 0%, 12 months on Purchases
Balance Transfers: 0%, 21 months on Balance Transfers
Regular APR
17.49% - 28.24% (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.
Read Full Review -
- 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 17.49% - 28.24%, 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
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= PoorGood/Excellent (670-850)
Intro APR
Purchases: 0%, 6 months
Balance Transfers: 0%, 18 months
Regular APR
17.49% - 26.49% 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. 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. 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. You'll still earn unlimited 1% cash back on all other purchases.
- Get a 0% intro APR for 18 months on balance transfers. Then 17.49% to 26.49% Standard Variable APR applies, based on credit worthiness.
- Redeem cash back for any amount
- No annual fee.
- Terms and conditions apply.
U.S. Bank Shield™ Visa® credit card
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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 16.99% - 27.99%.
Purchases: 0%, 24 billing cycles
Balance Transfers: 0%, 24 billing cycles
Regular APR
16.99% - 27.99% (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 16.99% - 27.99%.
- 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.
What to know before you apply for a balance transfer card
A balance transfer card is a fantastic debt payoff tool -- if you understand how it works. Here are some important things to know before you apply.
Most balance transfer cards require a FICO® Score around 670 or higher
People with "good" or "excellent" credit have much higher odds of being approved for a balance transfer card. However, card issuers also consider your income and other debts, and those can help make up for a lower credit score.
It's best to pay off your balance before the 0% intro APR period ends
Once the intro period ends, any outstanding balance will be charged the card's standard APR (usually about 18% or higher).
Make sure you:
- Make a plan to pay off the full balance on schedule
- Choose a balance transfer card that gives you enough time to do so
- Avoid making new purchases until the transferred balance is paid off
You can't transfer credit card debt to another card from the same company
If you have a Chase card, you can't transfer its balance to a new Chase card. Credit card issuers use balance transfers to bring in new customers.
Late payments can end the 0% intro APR early
Remember: 0% intro APR does not mean $0 payments. If you don't make at least the minimum payment on time each month, your issuer may cancel your 0% intro APR offer early and charge you the standard rate.
Ready to crush your debt? Get started now
A balance transfer card can save you a huge sum of money and help you improve your credit score fast. If a balance transfer makes sense for you, then don't wait to save money and get rid of debt. Apply for one of the cards featured here or check out more of our favorite balance transfer cards.
| Offer | Our Rating | Welcome Offer | Rewards Program | APR | Our Rating |
|---|---|---|---|---|---|
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Wells Fargo Reflect® Card
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5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= PoorBest for long 0% intro APR
|
N/A | N/A |
Intro: 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers Purchases: 0% intro APR for 21 months from account opening on purchases Balance Transfers: 0% intro APR for 21 months from account opening on qualifying balance transfers Regular: 17.49%, 23.99%, or 28.24% Variable APR |
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= PoorBest for long 0% intro APR
|
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Citi® Diamond Preferred® Card
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4.70/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor |
N/A | N/A |
Intro: Purchases: 0%, 12 months on Purchases Balance Transfers: 0%, 21 months on Balance Transfers Regular: 16.49% - 27.24% (Variable) |
4.70/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor |
|
Citi Simplicity® Card
|
4.90/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= PoorBest for balance transfers
|
N/A | N/A |
Intro: Purchases: 0%, 12 months on Purchases Balance Transfers: 0%, 21 months on Balance Transfers Regular: 17.49% - 28.24% (Variable) |
4.90/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= PoorBest for balance transfers
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|
Discover it® Chrome
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4.70/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor |
Discover will match all the cash back you’ve earned at the end of your first year. INTRO OFFER: Unlimited Cashback Match for all new cardmembers. 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. | 1% - 2% Cashback 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 |
Intro: Purchases: 0%, 6 months Balance Transfers: 0%, 18 months Regular: 17.49% - 26.49% Variable APR |
4.70/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor |
FAQs
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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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With average credit card rates around 21%, moving your balance to a 0% intro APR card could save you hundreds (or even thousands) in interest over time and help you pay off the debt much sooner.
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Choose a card with a 0% intro APR period long enough to clear your debt. Make a monthly payoff plan and avoid new purchases until your old balance is repaid.
Our Research Expert
James McClenathen is a full-time Managing Editor and Personal Finance Writer at Motley Fool Money, overseeing the production and quality of editorial content while also writing about credit cards, investing, and everyday money management. He has worked at The Motley Fool since 2012 and brings extensive experience as an editor, reporter, and finance expert. A graduate of the University of Michigan, James has spent more than a decade of his career helping readers make smarter financial decisions.
Motley Fool Stock Disclosures
Citigroup is an advertising partner of Motley Fool Money. Wells Fargo is an advertising partner of Motley Fool Money. JPMorgan Chase is an advertising partner of Motley Fool Money. James McClenathen has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends JPMorgan Chase, Target, U.S. Bancorp, and Visa. The Motley Fool recommends Capital One Financial. The Motley Fool has a disclosure policy.