In this guide, we’ll cover the best credit cards with balance transfer deals, their features, and how to choose the right one for your needs.

What Makes a Great Balance Transfer Credit Card?

When looking for the best credit card for balance transfers, consider these key factors:

• 0% Intro APR Period – The longer the 0% interest period, the more time you have to pay off your transferred balance without interest.
• Balance Transfer Fees – Most cards charge a 3% to 5% fee on transferred balances, so factor that into your savings.
• Regular APR – Once the intro period ends, the regular APR applies. If you plan to carry a balance beyond the 0% period, consider the long-term rate.
• Annual Fees – The best balance transfer cards charge no annual fee, helping you maximize savings.
• Additional Perks – Some cards offer cashback rewards, cell phone protection, and no late fees.

Top Credit Cards with the Best Balance Transfer Deals

Here are some of the best balance transfer credit cards in 2025 that can help you eliminate debt and save on interest.

Citi Simplicity® Card

Best for: Longest balance transfer intro period with no late fees

• 0% intro APR on balance transfers for 21 months
• 0% intro APR on purchases for 12 months
• Regular APR: 18.24% – 28.99% Variable
• Balance transfer fee: 3% (or $5 minimum) in the first 4 months, then 5% (or $5 minimum)
• Annual fee: $0
• No late fees, no penalty APR, and no annual fee

Why it’s great: This card offers one of the longest 0% intro APR periods (21 months) on balance transfers, giving you nearly two years to pay down debt without interest. Plus, you’ll never be charged a late fee or penalty APR if you miss a payment.

Downside: The balance transfer fee increases after the first four months, so transfer your balance early. The card doesn’t offer rewards, so it’s best suited for paying off debt.

Discover it® Cash Back – 18 Month Intro Balance Transfer Offer

Best for: Earning cashback rewards while paying off debt

• 0% intro APR on balance transfers for 18 months
• 0% intro APR on purchases for 6 months
• Regular APR: 18.24% – 27.24% Variable
• Balance transfer fee: 3% intro fee; up to 5% on future transfers
• Annual fee: $0
• Rewards:
  • 5% cash back on rotating categories (up to $1,500 per quarter, activation required)
  • 1% cash back on all other purchases
  • Cashback Match™: At the end of your first year, Discover will match all the cash back you’ve earned

Why it’s great: Most balance transfer cards don’t offer rewards, but this one does. If you can pay off your balance within 18 months, this card lets you earn cashback on new purchases while still benefiting from the intro APR.

Downside: The 0% period for purchases is shorter than for balance transfers, so avoid making new purchases while paying off your transferred balance.

Citi Double Cash® Card

Best for: Earning cash back while transferring a balance

• 0% intro APR on balance transfers for 18 months
• Regular APR: 18.24% – 28.24% Variable
• Balance transfer fee: 3% (or $5 minimum) in the first 4 months, then 5% (or $5 minimum)
• Annual fee: $0
• Rewards:
  • 2% cash back on all purchases (1% when you buy, 1% when you pay off the balance)

Why it’s great: If you want a balance transfer card with long-term value, this one offers a strong 2% cashback rate on purchases. It’s a solid choice for those who plan to use the card after paying off their transferred balance.

Downside: There’s no 0% intro APR on purchases, so if you use the card while carrying a balance transfer, you’ll start accruing interest on new purchases immediately.

BankAmericard® Credit Card

Best for: Simple balance transfers with no penalty APR

• 0% intro APR on balance transfers for 18 billing cycles
• 0% intro APR on purchases for 18 billing cycles
• Regular APR: 15.24% – 25.24% Variable
• Balance transfer fee: 3% (for the first 60 days), then 4%
• Annual fee: $0
• No penalty APR (late payments won’t increase your rate)

Why it’s great: This card provides a long intro period for both balance transfers and purchases. It’s also forgiving on late payments—unlike many other cards, it won’t raise your APR if you miss a due date.

Downside: There are no rewards, making it best for those who want to focus purely on debt repayment.

Chase Freedom Unlimited®

Best for: Earning generous cash back while paying off debt

• 0% intro APR on balance transfers for 15 months
• 0% intro APR on purchases for 15 months
• Regular APR: 19.49% – 28.24% Variable
• Balance transfer fee: 3% (for the first 60 days), then 5%
• Annual fee: $0
• Rewards:
  • 5% cash back on travel (booked through Chase Travel)
  • 3% cash back on dining and drugstore purchases
  • 1.5% cash back on all other purchases
  • Intro bonus: Earn an extra 1.5% cash back on up to $20,000 spent in the first year (worth up to $300)

Why it’s great: If you want a balance transfer card with strong rewards, this one offers great cashback benefits that continue even after the 0% APR period ends.

Downside: The balance transfer period is shorter (15 months) than other top cards. If you need more time to pay off debt, consider a card with a longer intro period.

Final Thoughts

The best credit cards with balance transfer deals help you eliminate debt faster by reducing interest charges. Whether you prioritize a long 0% intro APR period, cashback rewards, or low fees, there’s a card that suits your financial needs.

Before applying, make sure to compare fees, transfer limits, and APRs to choose the card that will save you the most money. If you can pay off your balance before the intro period ends, a balance transfer card can be a powerful tool for achieving financial freedom.