What happens after the introductory APR period?

After the introductory APR period ends, the go-to standard interest rate on your balance transfer card will apply. This rate can be significantly higher than the introductory APR, often ranging from 15% to 29%, depending on the card. To avoid paying high interest, aim to pay off your transferred balance before the intro period expires. If you don't, you'll begin accruing interest at the new rate on any remaining balance.

How long should you keep a balance transfer card?

You should keep your balance transfer card until your debt is paid off or until the introductory APR period expires. Ideally, aim to pay off your balance within the intro period to avoid paying interest. After that, if you no longer need the card, consider closing it or keeping it for occasional use. Be cautious with canceling a card, as it could affect your credit score if it reduces your available credit.

Can I transfer balances from multiple cards?

Yes, many balance transfer cards allow you to transfer balances from multiple cards. However, there may be limits to how much you can transfer, either in total or per card. Be sure to check the specific terms of the card you're interested in, and remember that you may be charged a fee for each balance transfer, which can add up if you transfer from several accounts.

How do I apply for a balance transfer card?

To apply for a balance transfer card, you typically need a good to excellent credit score. The application process is straightforward: Choose the card that fits your needs from our expert picks above. Gather required information such as your income, Social Security number, and details of the balance you wish to transfer. Submit your application online, by phone, or in person. Once approved, follow the instructions for transferring your balances to the new card. Be aware of any fees involved, and make sure you can pay off the balance before the intro APR period ends.

Is a balance transfer allowed between cards from the same bank?

Most issuers won't allow balance transfers between cards at their institution. When choosing a card, make sure it is from a different issuer than the card whose balance you want to transfer.

Should you use one big balance transfer card or split debt across multiple cards?

For most people, simplifying is better. Moving everything to one balance transfer card makes it easier to track payments and stay organized. But if your total debt is higher than one card's limit, splitting it between two can still make sense -- especially if both offer long 0% intro APR periods. Just be sure to factor in multiple balance transfer fees and payment due dates. The key is finding a setup that helps you stay consistent and pay down your debt before any interest kicks in.

Which balance transfer cards don't charge annual fees?

None of the cards on our list charge annual fees. That means every dollar you save on interest goes straight toward paying down your balance faster.

What credit score do you need for a balance transfer card?

Most balance transfer cards on this list require good to excellent credit, which typically means a FICO® Score of 670 or higher. Issuers use your score to gauge approval odds and terms, so building your score first can open up better options.

Best Balance Transfer Credit Cards: Up to 21 Months 0% Intro APR

Balance transfer cards are more popular than ever, and that's no accident. They're one of the best ways to get out of high-interest debt -- probably the best way, if you qualify for a top card.

The best options here offer up to 21 months of breathing room -- meaning you get nearly two years to pay off your balance interest-free. Every card on this list also comes with no annual fee, so nothing eats into your savings while you work toward paying off what you owe.

Here's what to know about all our favorite balance transfer cards available now.

Quick picks: Best balance transfer credit cards

Great for balance transfers and flexible rewards: Bank of America® Customized Cash Rewards credit card

Get 0% Intro APR for 15 billing cycles on balance transfers made in the first 60 days; a 17.49% - 27.49% (Variable) APR applies after. Plus, earn up to 6% cash back in a category of your choice for the first year -- like dining, online shopping, or travel.

Great for long 0% intro period on balance transfers: Citi® Diamond Preferred® Card

This card offers 0% intro APR for 21 months on Balance Transfers -- nearly two years of no interest and one of the longest windows you'll find. The go-to 16.74% - 27.49% (Variable) APR will apply at the end of the intro period. Plus, you get 0% intro APR for 12 months on Purchases.

Why trust us

Our team of experts reviewed over 260 credit cards
We evaluate all credit cards across the same 4 key criteria: value, welcome experience, fees, and perks
Our credit card ratings are never influenced by our advertising partners
If we wouldn't recommend an offer to a close family member, we won't recommend it to you

Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Best balance transfer credit cards of September 2026

Featured Offer

Bank of America® Customized Cash Rewards credit card

Apply Now for Bank of America® Customized Cash Rewards credit card

On Bank of America's Secure Website.

4.80/5

Credit Score:

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Apply Now for Bank of America® Customized Cash Rewards credit card

On Bank of America's Secure Website.

Bonus Offer

Earn 6% cash back in the category of your choice -- like dining, travel, or online shopping -- for the first year. Plus, score a $200 cash rewards bonus after qualifying purchases.

Credit Score

Good/Excellent (670-850)

Intro APR

Purchases: 0% Intro APR for 15 billing cycles for purchases

Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days

Regular APR

17.49% - 27.49% (Variable)

Rewards

1% - 6% cash back

Annual Fee

Welcome Offer

$200 cash back

This card's wide range of extra cash back options speaks for itself, with a choice of six bonus categories you can change monthly for 6% earnings for the first year in the category of your choice. And you can earn 2% back automatically at grocery stores and wholesale clubs. No annual fee and a nice welcome bonus also make this one a winner. Plus, if you're a Bank of America BofA Rewards™ member, this card will be even more valuable for you.
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- Competitive welcome bonus
- Bonus cash back in a category of your choice
- No annual fee
- Great intro & transfer APR offer
- Relationship rewards bonus
- Foreign transaction fee
- Limit on bonus cash back
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
- Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- Turn daily purchases into everyday wins. Simply use your Customized Cash Rewards credit card for the things you already buy - from gifts to groceries - BofA Rewards™ members earn more cash back.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

Bank of America content updated on 8/3/26.

This card is great for: Tailoring rewards to fit your spending habits while paying down debt.

With 0% intro APR for 15 billing cycles on balance transfers made in the first 60 days (plus 15 billing cycles on purchases), the Bank of America® Customized Cash Rewards credit card gives you plenty of time to pay off balances interest-free. After the intro period, the go-to rate of 17.49% - 27.49% (Variable) applies.

You'll also earn 6% cash back for the first year in the category of your choice -- including gas, online shopping, dining, or drugstores -- plus 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases. That flexibility to pick your own bonus category, gas included, is part of why this card earned our 2026 award for Best Credit Card for Gas.

Add in a $200 cash back bonus after making at least $1,000 in purchases in the first 90 days and a $0 annual fee, and you get a card that pulls double duty: managing debt now, earning rewards later.

Apply for Bank of America® Customized Cash Rewards credit card

2026 Award Winner

Citi® Diamond Preferred® Card

Apply Now for Citi® Diamond Preferred® Card

On Citi's Secure Website.

Rates & Fees

4.90/5

Credit Score:

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Apply Now for Citi® Diamond Preferred® Card

On Citi's Secure Website.

Rates & Fees

Credit Score

Good/Excellent (670-850)

Intro APR

Purchases: 0%, 12 months on Purchases

Balance Transfers: 0%, 21 months on Balance Transfers

Regular APR

16.74% - 27.49% (Variable)

Rewards

N/A

Annual Fee

Welcome Offer

N/A

This card sets itself apart with one of the longest 0% intro APR periods available — 21 months on qualifying balance transfers — plus a lower intro balance transfer fee of just 3% for the first 4 months. That combination can help you move your balance for less and pay it down without interest for nearly two years. If you want maximum time to get out of debt while keeping upfront costs low, this is one of the strongest offers available right now.
Read Full Review
- Great intro APR
- No annual fee
- Free credit score monitoring
- No rewards
- Foreign transaction fee
- 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 16.74% - 27.49%, 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).
- No Annual Fee - our low intro rates and all the benefits don't come with a yearly charge.
- Buy now and pay later. Split your payment for eligible purchases of $75 or more into a fixed payment with Citi® Flex Pay.
- Get free access to your FICO® Score online.

This card is great for: Paying off debt with one of the longest 0% intro APR periods available.

This Citi card offers a 0% intro APR for 21 months on Balance Transfers (and 12 months on Purchases). That's one of the longest windows on the market, which is exactly why it earned our 2026 award for Best Balance Transfer Credit Card. The go-to 16.74% - 27.49% (Variable) APR applies at the end of the intro period.

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).

Add a $0 annual fee, and it's clear why the Citi® Diamond Preferred® Card is a go-to for anyone looking to consolidate debt and avoid interest for the long haul.

Apply for the Citi® Diamond Preferred® Card (see rates and fees)

Discover it® Chrome

Apply Now for Discover it® Chrome

On Issuer's Secure Website.

Rates & Fees

4.70/5

Credit Score:

Recommended Credit Score required for this offer is: Good/Excellent

Apply Now for Discover it® Chrome

On Issuer's Secure Website.

Rates & Fees

Credit Score

Good/Excellent

Intro APR

Purchases: 0% intro APR on purchases for 6 months

Balance Transfers: 0% intro APR on balance transfers for 18 months

Regular APR

17.49% - 26.49% Variable APR; balance transfer fee applies

Rewards

1% - 2% Cashback

Annual Fee

Welcome Offer

Discover will match all the cash back you’ve earned at the end of your first year.

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.
- Welcome bonus offer
- Gas and restaurants rewards
- Intro APR offer
- No annual fee
- No foreign transaction fee
- Low cash back rates
- Get a 0% intro APR for 18 months on balance transfers and 0% intro APR on purchases for 6 months; balance transfer fee applies. Then 17.49% to 26.49% Standard Variable APR applies, based on credit worthiness.
- 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. You could turn $150 cash back into $300
- 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.
- Redeem cash back for any amount
- No annual fee.
- Terms and conditions apply.

This card is great for: Combining the perks of cash back rewards with a strong balance transfer offer.

Get a 0% intro APR for 18 months on balance transfers (and 6 months on purchases) -- a go-to 17.49% - 26.49% Variable APR; balance transfer fee applies applies after. A balance transfer fee applies. Plus, earn 2% cash back at gas stations and restaurants, up to $1,000 in combined purchases each quarter. This card is built to save you money while rewarding everyday spending.

Discover will match all the cash back you’ve earned at the end of your first year. This adds real value to an already solid package -- all with no annual fee (see rates and fees).

Apply for Discover it® Chrome (see rates and fees)

2026 Award Winner

Wells Fargo Reflect® Card

Apply Now for Wells Fargo Reflect® Card

On Wells Fargo's Secure Website.

Rates & Fees

5.00/5

Credit Score:

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Apply Now for Wells Fargo Reflect® Card

On Wells Fargo's Secure Website.

Rates & Fees

Credit Score

Good/Excellent (670-850)

Intro APR

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

17.74%, 24.24%, or 28.49% Variable APR

Rewards

N/A

Annual Fee

Welcome Offer

N/A

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 (17.74%, 24.24%, or 28.49% 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
- 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. 17.74%, 24.24%, or 28.49% 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.

This card is great for: Locking in one of the longest 0% intro APR periods available.

With a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers (5%, min: $5 balance transfer fee), the Wells Fargo Reflect® Card (rates and fees) gives you nearly two years of interest-free breathing room. That equally long window on both purchases and transfers is why it earned our 2026 award for Best 0% Intro APR Credit Card. After the intro period, the go-to rate of 17.74%, 24.24%, or 28.49% Variable APR applies.

Add in perks like cellphone protection and a $0 annual fee, and it's easy to see why this is a standout choice for balance transfer shoppers.

Apply for the Wells Fargo Reflect® Card

Chase Slate®

Apply Now for Chase Slate®

On Chase's Secure Website.

Rates & Fees

5.00/5

Credit Score:

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Apply Now for Chase Slate®

On Chase's Secure Website.

Rates & Fees

Credit Score

Good/Excellent (670-850)

Intro APR

Purchases: 0% Intro APR on Purchases, 21 Months

Balance Transfers: 0% Intro APR on Balance Transfers, 21 Months

Regular APR

18.24% - 28.24% Variable

Rewards

N/A

Annual Fee

Welcome Offer

0% Intro APR for 21 months on purchases and balance transfers

A savvy choice for chipping away at debt with a lengthy intro APR offer on purchases and balance transfers. Plus, peace of mind with purchase and travel protections, all for no annual fee.
Read Full Review
- Great intro APR
- No annual fee
- Free credit score monitoring
- No rewards
- 0% Intro Offer- Enjoy 0% Intro APR for 21 months on purchases and balance transfers, then a variable APR of 18.24% - 28.24% thereafter
- No Annual Fee- You won't have to pay an annual fee for all the great features that come with your Slate Card
- Zero Liability Protection & Fraud Protection - You won’t be held responsible for unauthorized charges made with your card. We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.
- Chase Pay Over Time- Access more options to pay over time for eligible purchases made with your participating Chase credit card. With Pay Over Time, you can break up eligible purchases you've already made
- Get more purchasing power: Chase Slate® cardmembers may be eligible for a credit limit increase in as few as six months.
- Stay protected with purchase & travel benefits - Enjoy peace of mind with purchase protection, which safeguards your eligible new items against damage or theft for 120 days from the date of purchase, up to $500 per item. Plus, extended warranty protection adds an extra year to U.S. manufacturer warranties of three years or less, giving you up to four full years of coverage from the date of purchase
- Credit Journey: Access your credit score, receive customized score improvement plans from Experian™, and benefit from identity monitoring—all for free with Chase Credit Journey®
- Member FDIC

This card is great for: Paying down debt with a long, no-interest runway -- without worrying about rewards or extra spending.

With a 0% Intro APR on Purchases and Balance Transfers for 21 months, the Chase Slate® card (see rates and fees) is built for one job: helping you focus on paying off existing balances without interest slowing you down. After the intro period, an 18.24% - 28.24% Variable APR applies.

There's no annual fee, and you still get useful protections like free credit score monitoring through Chase Credit Journey®, zero liability protection, and purchase and travel coverage -- a simple, no-frills option for getting out of debt.

Apply for the Chase Slate® card

Citi Double Cash® Card

Apply Now for Citi Double Cash® Card

On Citi's Secure Website.

Rates & Fees

4.90/5

Credit Score:

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Apply Now for Citi Double Cash® Card

On Citi's Secure Website.

Rates & Fees

Credit Score

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: 0%, 18 months on Balance Transfers

Regular APR

18.49% - 28.74% (Variable)

Rewards

2% cash back

Annual Fee

Welcome Offer

$200

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.
Read Full Review
- 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
- 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 18.49% - 28.74%, 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).

This card is great for: Getting the best of both worlds -- paying off debt with 0% interest and earning unlimited cash back.

This card offers a 0% intro APR for 18 months on Balance Transfers. 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) After the intro period, a go-to rate 18.49% - 28.74% (Variable) APR applies.

The Citi Double Cash® Card gives you nearly two years to pay down balances interest-free, plus 2% cash back on all purchases -- 1% when you buy, 1% when you pay -- making it one of the top rewards cards available.

New cardholders also earn $200 cash back after spending just $1,500 in the first 6 months. With a $0 annual fee, this card works for anyone chasing savings and rewards at the same time.

Apply for Citi Double Cash® Card (see rates and fees)

Chase Freedom Flex®

Apply Now for Chase Freedom Flex®

On Chase's Secure Website.

Rates & Fees

4.80/5

Credit Score:

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Apply Now for Chase Freedom Flex®

On Chase's Secure Website.

Rates & Fees

LIMITED-TIME OFFER

Earn a $250 bonus after spending $500 in the first 3 months -- that's 50% back on your spend!

Credit Score

Good/Excellent (670-850)

Intro APR

Purchases: 0% Intro APR on Purchases, 15 months

Balance Transfers: 0% Intro APR on Balance Transfers, 15 months

Regular APR

18.24% - 27.74% Variable

Rewards

5% cash back offer

Annual Fee

Welcome Offer

$250 bonus

We love Chase Freedom Flex because it delivers big value with zero annual fee. You earn 5% in rotating categories, 1% on everything else, and one of the easiest welcome bonuses to qualify for -- currently $250 for a limited time. Add in the long 0% intro APR and it’s an easy yes if you want strong rewards without paying to carry the card.
Read Full Review
- Big sign-up bonus
- Lucrative cash back program
- Long 0% intro APR
- No annual fee
- Purchase and travel protections
- No foreign transaction fee
- Limited bonus opportunities on everyday spending
- Limited Time Offer! Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- New Benefit! Earn rewards worldwide with no foreign transaction fees
- 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
- No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States.
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex® card
- Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
- Member FDIC

This card is great for: Combining balance transfers with valuable rewards.

This card offers a 0% Intro APR on Purchases and Balance Transfers for 15 months. (Balance transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater.) After the intro period, the go-to 18.24% - 27.74% Variable APR applies.

The Chase Freedom Flex® (see rates and fees) gives you ample time to pay down debt interest-free. Plus, earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, 5% cash back on travel purchased through Chase Travel℠, 3% cash back on dining and drugstores, and 1% on all other purchases -- a top choice for anyone who wants rewards while managing debt.

New cardholders can also earn a $250 bonus after spending just $500 in the first 3 months. With a $0 annual fee, this card delivers on both debt management and ongoing rewards.

Apply for Chase Freedom Flex®

BankAmericard® credit card

Apply Now for BankAmericard® credit card

On Bank of America's Secure Website.

5.00/5

Credit Score:

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Apply Now for BankAmericard® credit card

On Bank of America's Secure Website.

Credit Score

Good/Excellent (670-850)

Intro APR

Purchases: 0% Intro APR for 21 billing cycles for purchases

Balance Transfers: 0% Intro APR for 21 billing cycles for any balance transfers made in the first 60 days

Regular APR

14.99% - 25.99% (Variable)

Rewards

N/A

Annual Fee

Welcome Offer

N/A

No rewards program, no welcome bonus -- and that's exactly the point. The BankAmericard® Credit Card is built for one thing: giving you the longest possible runway to pay down debt interest-free. At 21 billing cycles of 0% intro APR for both purchases and balance transfers made within the first 60 days (a 14.99% - 25.99% variable APR applies after), it's one of the longest intro periods out there. No annual fee means nothing eating into your savings while you chip away at what you owe. If you want rewards, look elsewhere. If you want time, this is a great option.
Read Full Review
- No annual fee
- No penalty APR
- Great 0% intro APR offer
- No rewards
- Balance transfer fee
- 0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 14.99% - 25.99% will apply. A 5% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.
- No annual fee.
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

Bank of America content updated on 8/3/26.

This card is great for: Tackling debt head-on with a long interest-free runway and no annual fee eating into your savings.

With a 0% intro APR for 21 billing cycles on purchases and balance transfers made within the first 60 days, the BankAmericard® credit card gives you nearly two years to make real progress on your balance. After the intro period, a 14.99% - 25.99% (Variable) APR applies.

There's no rewards program here, but that's by design -- this card is built for one job: helping you pay off debt faster. Add in no penalty APR and a $0 annual fee, and it's a straightforward option for anyone serious about getting out of the red.

Apply for the BankAmericard® credit card

2026 Award Winner

Wells Fargo Active Cash® Card

Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Rates & Fees

5.00/5

Credit Score:

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Rates & Fees

Credit Score

Good/Excellent (670-850)

Intro APR

Purchases: 0% intro APR for 12 months from account opening on purchases

Balance Transfers: 0% intro APR for 12 months from account opening on qualifying balance transfers

Regular APR

18.74%, 24.74%, or 28.74% Variable APR

Rewards

2% cash rewards

Annual Fee

Welcome Offer

$100 cash rewards

This card’s unlimited 2% cash rewards on purchases is the highest we’ve seen for a flat-rate rewards card with no annual fee. It also has an incredibly easy-to-earn $100 welcome bonus after spending $500 in purchases in the first 3 months. The intro APR is decent too -- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers (18.74%, 24.74%, or 28.74% Variable APR applies after). We simply haven’t come across this combination of top perks in one card before.
Read Full Review
- Unlimited 2% cash rewards
- Long 0% intro APR offer
- Generous cash rewards welcome bonus
- No annual fee
- Cellphone protections
- No bonus categories
- Foreign transaction fees
- Balance transfer fee
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $100 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.74%, 24.74%, or 28.74% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

This card is great for: Paying down balances while earning unlimited rewards.

With a 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers (balance transfer fee: 3% intro for 120 days from account opening, then up to 5%, min: $5), the Wells Fargo Active Cash® Card (rates and fees) offers flexibility for managing debt and new spending. That balanced mix of a solid intro period and strong ongoing rewards is why it earned our 2026 award for Best Overall Credit Card. After the intro period, the go-to 18.74%, 24.74%, or 28.74% Variable APR applies.

You'll also earn unlimited 2% cash rewards on purchases, making this a top choice for anyone who wants to combine debt repayment with ongoing value.

Add in cellphone protection and a $0 annual fee, and you've got a powerful card for balance transfers and everyday spending alike.

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How we rate credit cards

At Motley Fool Money, every credit card we review is rated on a 5-star scale, scored to a tenth of a point. Our ratings weigh the features that matter most: rewards rates, 0% intro APR offers, welcome bonuses, fees, and perks like travel credits and purchase protections.

We score cards within four primary categories:

0% intro APR cards for paying down balances or financing purchases
Travel cards for maximizing points, miles, and perks on the road
Cash back and rewards cards for everyday spending value
Business cards designed to fit company expenses and growth

Top-rated cards typically combine strong long-term value, attainable bonuses, low fees, and standout protections or perks.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best credit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.

How we rate credit cards

We score cards within four primary categories:

0% intro APR cards for paying down balances or financing purchases
Travel cards for maximizing points, miles, and perks on the road
Cash back and rewards cards for everyday spending value
Business cards designed to fit company expenses and growth

Top-rated cards typically combine strong long-term value, attainable bonuses, low fees, and standout protections or perks.

What is a balance transfer credit card?

A balance transfer credit card lets you move high-interest debt from one or more credit cards onto a new card, then pay 0% interest on it for a limited time. The main benefit is breathing room: you get time to pay off your balance without interest working against you.

These cards typically charge a balance transfer fee (usually 3% to 5% of the amount transferred), and the 0% intro APR offer usually lasts 12 to 21 months. After that, the standard interest rate applies.

Benefits of a balance transfer card

Choosing a balance transfer credit card over other debt-repayment methods offers several advantages.

Lower or 0% interest rates

The main draw is the introductory 0% APR on balance transfers, which can save you a lot of money over time on high-interest credit debt. Plus, more of your payment goes toward the actual principal, which speeds up your payoff timeline.

For example, we calculate that you could save $1,863 on interest alone by paying down $10,000 of high-interest credit card debt with a balance transfer card offering 0% intro APR for 18 months. Here's how that breaks out:

Debt Balance Scenario	Monthly Payment	APR for Balance Transfers	Interest Charges	Months to Pay Off
$10,000, promo APR	$556	0%	$0	18
$10,000, no promo APR	$556	19% on all balances	$1,863	22

Data source: Author's calculations. *Actual card APR may vary from 19%.

Use our balance transfer calculator to see if a balance transfer card can actually save you money on interest.

Consolidation

A balance transfer card can combine multiple credit card balances into one payment, simplifying your finances and reducing the risk of missed due dates across several accounts.

Flexible repayment terms

Many balance transfer cards offer a 0% intro APR period of 12 to 21 months, giving you time to pay off debt without racking up interest -- often more manageable than a personal loan with a fixed term and higher rate.

No collateral required

Unlike a home equity loan or secured personal loan, a balance transfer card doesn't require you to pledge assets like your home, making it lower-risk in that sense.

Improved credit score

Paying off your balance within the 0% intro period can improve your credit score by lowering your debt-to-credit ratio and helping you avoid late payments.

Just keep the balance transfer fee (typically 3%–5%) in mind, and remember that any balance left after the intro period ends will be subject to the standard, higher APR.

How to choose the best balance transfer card for you

When choosing the best balance transfer credit card for your situation, consider these five key factors to ensure you're maximizing savings and aligning with your financial goals.

1. Introductory 0% APR period

A longer 0% intro APR window -- 12 to 21 months -- gives you more time to pay off debt without accruing interest. Also check the regular APR after the intro period ends, so you're not blindsided if you can't pay off the full balance in time.

2. Balance transfer fees

Most cards charge 3%–5% of the amount transferred. These fees can still be worth it if your interest savings outweigh the cost -- and some promotions may lower or waive the fee entirely, which is worth watching for.

3. Credit limit

Make sure the card's credit limit can cover your transfer. A limit that's too low means you can't move your full balance, which limits how useful the card is for consolidation.

4. Repayment strategy and terms

Think through how long you'll actually need to pay off the transferred balance. If you can do it within the intro period, you'll likely save money -- if not, look for a longer 0% window. Be cautious about new purchases too, since they may carry a different rate.

5. Additional fees and perks

Watch for annual fees or late fees that could offset your savings. Some cards also offer rewards, which add value if you use the card for regular spending -- but don't let chasing rewards distract from the main goal of paying down debt.

Weighing these five factors -- intro APR length, transfer fees, credit limit, repayment strategy, and extra fees or perks -- helps you land on the balance transfer card that actually fits your situation.

Can you earn rewards on a balance transfer card while paying down debt?

Most balance transfer cards don't offer rewards -- they're built to save you money on interest, not to rack up points or cash back.

There are exceptions, though: on this list, the Discover it® Chrome (see rates and fees), Citi Double Cash® Card, Chase Freedom Flex®, and Bank of America® Customized Cash Rewards credit card all earn rewards on new purchases.

Treat any rewards as a bonus. The real value of a balance transfer card is the interest-free runway it gives you to pay down debt.

How much do balance transfer fees cost vs. the interest you'd pay?

Balance transfer fees usually run 3% to 5% of the amount you move -- so transferring, say, $5,000 would cost $150 to $250 upfront. That's not nothing, but it's often far less than the interest you'd otherwise pay on a high-rate card.

Rule of thumb: if you can pay off the balance during the 0% intro period, the savings usually outweigh the one-time fee by a wide margin. Use a balance transfer calculator before applying to see exactly how much you'd save versus your current APR.

FAQs

After the introductory APR period ends, the go-to standard interest rate on your balance transfer card will apply. This rate can be significantly higher than the introductory APR, often ranging from 15% to 29%, depending on the card.
To avoid paying high interest, aim to pay off your transferred balance before the intro period expires. If you don't, you'll begin accruing interest at the new rate on any remaining balance.
You should keep your balance transfer card until your debt is paid off or until the introductory APR period expires. Ideally, aim to pay off your balance within the intro period to avoid paying interest. After that, if you no longer need the card, consider closing it or keeping it for occasional use.
Be cautious with canceling a card, as it could affect your credit score if it reduces your available credit.
Yes, many balance transfer cards allow you to transfer balances from multiple cards. However, there may be limits to how much you can transfer, either in total or per card. Be sure to check the specific terms of the card you're interested in, and remember that you may be charged a fee for each balance transfer, which can add up if you transfer from several accounts.
To apply for a balance transfer card, you typically need a good to excellent credit score. The application process is straightforward:
1. Choose the card that fits your needs from our expert picks above.
2. Gather required information such as your income, Social Security number, and details of the balance you wish to transfer.
3. Submit your application online, by phone, or in person.
4. Once approved, follow the instructions for transferring your balances to the new card. Be aware of any fees involved, and make sure you can pay off the balance before the intro APR period ends.
Most issuers won't allow balance transfers between cards at their institution. When choosing a card, make sure it is from a different issuer than the card whose balance you want to transfer.
For most people, simplifying is better. Moving everything to one balance transfer card makes it easier to track payments and stay organized. But if your total debt is higher than one card's limit, splitting it between two can still make sense -- especially if both offer long 0% intro APR periods.
Just be sure to factor in multiple balance transfer fees and payment due dates. The key is finding a setup that helps you stay consistent and pay down your debt before any interest kicks in.
None of the cards on our list charge annual fees. That means every dollar you save on interest goes straight toward paying down your balance faster.
Most balance transfer cards on this list require good to excellent credit, which typically means a FICO® Score of 670 or higher. Issuers use your score to gauge approval odds and terms, so building your score first can open up better options.

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Best Balance Transfer Credit Cards: Up to 21 Months 0% Intro APR

Quick picks: Best balance transfer credit cards

Best balance transfer credit cards of September 2026

What is a balance transfer credit card?

Benefits of a balance transfer card

Lower or 0% interest rates

Consolidation

Flexible repayment terms

No collateral required

Improved credit score

How to choose the best balance transfer card for you

1. Introductory 0% APR period

2. Balance transfer fees

3. Credit limit

4. Repayment strategy and terms

5. Additional fees and perks

Can you earn rewards on a balance transfer card while paying down debt?

How much do balance transfer fees cost vs. the interest you'd pay?

FAQs