The Best Balance Transfer Cards This Week, Sept. 15, 2025: Lock In up to 24 Months Interest-Free
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High credit card interest makes it hard to get ahead. At around 21% on average, it can feel like your payments barely touch the balance.
A balance transfer card can give you relief. The best options come with 0% intro APR for up to 24 months, no annual fee, and sometimes even cash back -- so your money goes toward shrinking debt instead of covering interest.
If you're ready for a little breathing room, here are the best 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 on purchases for 21 months from account opening
Balance Transfers: 0% intro APR for 21 months from account opening on qualifying balance transfers
Regular APR
16.99%, 23.49%, or 28.74% 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 (16.99%, 23.49%, or 28.74% 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.
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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. 16.99%, 23.49%, or 28.74% 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 (then 16.99%, 23.49%, or 28.74% Variable APR). It's best for people who are serious about paying off debt -- not for people who are looking for a lifelong rewards card.
2025 Award Winner
= Best
= Excellent
= Good
= Fair
= Poor
= 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
17.99% - 28.74% (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 17.99% - 28.74%, 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 17.99% - 28.74% (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!
U.S. Bank Shield™ Visa® credit card
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= Excellent
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= Best
= Excellent
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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.
= Best
= Excellent
= Good
= Fair
= Poor
= 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
16.99% - 27.74% (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 16.99% - 27.74%, 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.
The Citi® Diamond Preferred® Card offers a long 0% intro APR period of 21 months on Balance Transfers. At the end of the intro period a go-to 16.99% - 27.74% (Variable) APR applies.
Balance transfer fee applies with this offer; 5% of each balance transfer; $5 minimum.
This card's primary focus is debt payoff, but it does offer a couple other perks. Get free access to your FICO® Score and special access to purchase event tickets with Citi Entertainment®. Like all the best balance transfer cards, this card has a $0 annual fee.
Before you apply: Key things to know
A balance transfer card can make debt payoff a lot less stressful -- but only if you play it smart. Here are a few things to know before you apply:
- Credit score counts. Most top balance transfer offers go to people with good or excellent credit -- usually a FICO® Score of 670 or higher. Still, banks also look at your income and other debts, so approval isn't just about the number.
- The 0% intro APR period has an expiration date. Once the intro window ends, any unpaid balance starts earning interest at the regular APR -- often north of 20%. To avoid that surprise:
- Choose a card with enough time to wipe out your balance
- Map out a clear payoff plan
- Hold off on new charges until your transferred debt is gone
- You can't move debt within the same bank. If you're carrying a balance on a Citi card, you won't be able to shift it to another Citi card. Issuers only allow transfers from outside lenders to win new customers.
- Late payments are costly. A 0% intro APR doesn't mean $0 payments. Miss just one due date and you could lose the promo rate, replacing it with the standard -- or even penalty -- APR. Setting up auto-pay is a simple way to stay safe.
Ready for a fresh start?
Handled wisely, a balance transfer card can save you hundreds -- or even thousands -- in interest. With offers lasting up to 24 months, now's the time to lock in breathing room and finally get ahead. Check out this week's best picks above or explore more options here.
FAQs
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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.
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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
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.