11 Best Balance Transfer Credit Cards–No Interest Until 2025
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A balance transfer card is an important tool to help pay off credit card debt. These cards enable you to move high-interest debt to a new credit card that won't charge interest for a year or more. Some of the top cards offer a 0% APR well into 2025. Here is our list of the best balance transfer cards available today.
We scoured the web to search for approval odds on these cards. Approval odds can help you decide which card may be easier to get than others.
*The credit score data provided for some of the cards listed below are from publicly available information in a number of forums. The accuracy of the information cannot be verified. Keep in mind that credit card issuers consider more than an applicant’s credit score and that underwriting standards change over time.
- Summary of the Best Balance Transfer Cards
- Chase Slate Edge℠
- Wells Fargo Reflect® Card
- Citi® Double Cash Card - 18 month BT offer
- Citi® Diamond Preferred® Card
- U.S. Bank Visa® Platinum Card
- U.S. Bank Cash+® Visa Signature® Card
- Chase Freedom Unlimited®
- Chase Freedom Flex(SM)
- Capital One VentureOne Rewards Credit Card
- Citi Simplicity® Card
- BankAmericard® Credit Card
- Complete List of 0% Balance Transfer Credit Cards
- What Is a Balance Transfer and Why Is It Useful?
- What to Look For in a Balance Transfer Card
- How to Choose the Best Balance Transfer Offer
- Related
Summary of the Best Balance Transfer Cards
Chase Slate Edge℠

Rewards: None
0% Intro APR Offer: Get 0% APR on purchases and balance transfers for the first 18 months. After that, your APR will be 20.49% - 29.24%, variable, based on creditworthiness.
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Welcome Bonus: None
Annual Fee: $0
Approval Odds*
Wells Fargo Reflect® Card

Rewards: None
0% Intro APR Offer: 0% intro APR for 21 months from account opening on qualifying balance transfers and for 21 months from account opening on purchases, then 18.24%, 24.74% or 29.99% variable APR
Balance Transfer Fee: 3% for 120 days from account opening, then up to 5%; min: $5
Annual Fee: $0
Approval Odds*
Citi® Double Cash Card - 18 month BT offer

Rewards:
0% Intro APR Offer: 0% intro APR for 18 months on balance transfers, then 19.24% - 29.24% variable APR
Balance Transfer Fee: Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
Annual Fee: $0
Approval Odds*
Citi® Diamond Preferred® Card

Rewards: None
0% Intro APR Offer: 0% intro APR for 21 months on Balance Transfers, and for 12 months on Purchases, then 18.24% - 28.99% variable APR
Balance Transfer Fee: Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Annual Fee: $0
Approval Odds*
Credit Score of Approved and Denied Applications
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 10/15/2022 | Not Provided | ||
Approved | 11/18/2022 | Not Provided | ||
Approved | 04/13/2023 | TransUnion | ||
Approved | 04/13/2023 | Experian | ||
Approved | 04/06/2022 | TransUnion | ||
Approved | 04/06/2022 | Equifax | ||
Approved | 04/06/2022 | Experian | ||
Approved | 04/21/2023 | Equifax | ||
Approved | 04/21/2023 | Experian | ||
Approved | 04/21/2023 | TransUnion | ||
Approved | 01/11/2023 | Equifax | ||
Approved | 05/10/2022 | Equifax | ||
Approved | 05/10/2022 | Experian | ||
Approved | 05/10/2022 | TransUnion | ||
Approved | 02/15/2023 | Experian | ||
Approved | 07/01/2020 | Equifax | ||
Approved | 09/19/2020 | TransUnion | ||
Denied | 04/04/2021 | Equifax |
U.S. Bank Visa® Platinum Card

Rewards: None
0% Intro APR Offer: 0% intro APR for 21 billing cycles on balance transfers and for 21 billing cycles on purchases, then 18.74% - 29.74% variable APR
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Annual Fee: $0
Approval Odds*
Credit Score of Approved and Denied Applications
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 04/22/2021 | Not Provided | ||
Approved | 01/31/2021 | Not Provided | ||
Approved | 07/30/2021 | Not Provided | ||
Denied | 05/18/2019 | Not Provided |
U.S. Bank Cash+® Visa Signature® Card

Rewards:
0% Intro APR Offer: 0% intro APR for 15 billing cycles on balance transfers and for 15 billing cycles on purchases, then 19.49% - 29.74% variable APR
Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
Welcome Bonus: $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
Annual Fee: $0
Approval Odds*
Credit Score of Approved and Denied Applications
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 08/03/2020 | TransUnion | ||
Approved | 11/13/2021 | TransUnion | ||
Approved | 11/01/2021 | Experian | ||
Approved | 08/18/2017 | Experian | ||
Approved | 10/24/2022 | TransUnion | ||
Approved | 06/06/2019 | Experian | ||
Approved | 06/19/2023 | TransUnion | ||
Approved | 07/16/2018 | TransUnion | ||
Approved | 04/02/2020 | TransUnion | ||
Denied | 07/19/2021 | Experian |
Chase Freedom Unlimited®

Rewards:
0% Intro APR Offer: 0% intro APR for 15 months on balance transfers and for 15 months on purchases, then 20.49% - 29.24% variable APR
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Welcome Bonus: SPECIAL OFFER: Unlimited Matched Cash Back. Chase will automatically match all the cash back you earned at the end of your first year! There is no limit to how much cash back you can earn.
Annual Fee: $0
Approval Odds*
Credit Score of Approved and Denied Applications
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 03/20/2023 | Experian | ||
Approved | 07/18/2023 | Experian | ||
Approved | 07/18/2023 | TransUnion | ||
Approved | 07/18/2023 | Equifax | ||
Approved | 09/06/2023 | Experian | ||
Approved | 09/08/2023 | Equifax | ||
Denied | 09/05/2023 | Experian | ||
Denied | 09/05/2023 | Equifax | ||
Denied | 09/05/2023 | TransUnion |
Chase Freedom Flex(SM)

Rewards:
0% Intro APR Offer: 0% intro APR for 15 months on balance transfers and for 15 months on purchases, then 20.49%–29.24% variable APR
Balance Transfer Fee: Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.
Welcome Bonus: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening Plus, earn 5% cash back on combined gas station and grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year.
Annual Fee: $0
Approval Odds*
Credit Score of Approved and Denied Applications
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 04/02/2023 | TransUnion | ||
Approved | 04/02/2023 | Experian | ||
Approved | 08/02/2023 | Not Provided | ||
Approved | 10/24/2023 | Not Provided | ||
Approved | 09/03/2023 | Experian | ||
Approved | 09/03/2023 | TransUnion | ||
Approved | 06/02/2023 | TransUnion | ||
Approved | 06/02/2023 | Experian |
Capital One VentureOne Rewards Credit Card

Rewards:
0% Intro APR Offer: 0% intro APR for 15 months on balance transfers and for 15 months on purchases, then 19.99% - 29.99% variable APR
Balance Transfer Fee: 3% for the first 15 months or at a promotional APR that Capital One may offer you at any other time. No fee for amounts transferred at the Transfer APR
Welcome Bonus: 20,000 Miles once you spend $500 on purchases within 3 months from account opening
Annual Fee: $0
Approval Odds
Credit Score of Approved and Denied Applications
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 10/29/2021 | Equifax | ||
Approved | 10/29/2021 | Experian | ||
Approved | 10/29/2021 | TransUnion | ||
Approved | 07/28/2022 | Experian |
Citi Simplicity® Card

Rewards: None
0% Intro APR Offer: 0% intro APR for 21 months on Balance Transferss and 12 months on Purchases, then 19.24% - 29.99 variable APR
Balance Transfer Fee: Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min)
Annual Fee: $0
Approval Odds*
Credit Score of Approved and Denied Applications
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 12/31/2018 | Equifax | ||
Approved | 12/31/2018 | Experian | ||
Approved | 12/31/2018 | TransUnion | ||
Approved | 01/17/2023 | Equifax | ||
Approved | 01/27/2019 | Experian | ||
Approved | 01/27/2019 | TransUnion | ||
Approved | 01/27/2019 | Equifax | ||
Approved | 11/07/2021 | Equifax | ||
Approved | 12/11/2022 | TransUnion | ||
Approved | 02/09/2023 | Experian |
BankAmericard® Credit Card

Rewards: None
0% Intro APR Offer: 0% intro APR for 18 months on balance transfers and for 18 months on purchases, then 16.24% - 26.24% variable APR
Balance Transfer Fee: 3% of the U.S. dollar amount of each transaction made in a foreign currency. This fee will be in addition to any other applicable fee.
Annual Fee: $0
Approval Odds
Credit Score of Approved and Denied Application
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 02/14/2022 | Experian | ||
Approved | 03/29/2022 | Experian | ||
Denied | 04/25/2022 | TransUnion | ||
Denied | 04/25/2022 | Equifax |
Complete List of 0% Balance Transfer Credit Cards

21 billing cycles on purchases months
21 billing cycles on balance transfers months
$0

21 months from account opening on purchases months
21 months from account opening on qualifying balance transfers months
$0

15 months from account opening months
15 months from account opening on qualifying balance transfers months
$0

N/A months
15 months months
$0

15 months months
15 months months
$0

15 months
15 months
$0

15 months
15 months
$0

15 months months
15 months months
$0

15 months months
15 months months
$0

15 months months
15 months months
$0

15 months months
15 months months
$0

15 billing cycles on purchases months
15 billing cycles on balance transfers months
$0

15 months months
15 months months
$0

15 months months
15 months months
$0

15 months
15 months
$0

12 months
12 months
$95

N/A
12 months
No Annual Fee

12 months
12 months
$0

N/A months
for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, (and for balance transfers that do not post within 45 days of account opening) the APR will be 21.24%, 25.43% or 28.24%, based on your creditworthiness. There is a fee for balance transfers. months
$495

N/A months
for first 12 billing cycles after account opening. After that 20.24%, 25.24% or 30.24% variable APR based on your credit worthiness months
None

N/A
N/A
$95 Waived for existing Honors Advantage Members

12 months on Purchases months
intro APR for 21 months on Balance Transfers months
$0
What Is a Balance Transfer and Why Is It Useful?
Balance transfers are what they sound like – they involve transferring a balance from one credit card to another one. This can be a useful tool if you have a credit card with a high balance – either close to maxed out or without enough space to spend with it like you want to. Most cards will allow you to transfer more than one balance as well, so they can be a great way to consolidate debt. Lastly, you could end up saving hundreds of dollars in interest if you transfer your balance from a high-interest card to one with low interest or a period of 0% interest.
In any case, just like anything having to do with personal finance, transferring a balance can be a risky move, so it’s important to do your research and have a plan for your transfer before you apply for any credit card. Below we will discuss what to look for in a balance transfer credit card.
What to Look For in a Balance Transfer Card
Balance Transfer Fee
Many balance transfer cards take the higher of a set dollar amount or a percentage of the amount you are transferring as a fee for the transfer. A typical balance transfer fee looks something like $10 or 5% respectively, or sometimes $5 or 3%. The fee usually comes in the form of an addition to your balance on the new card. Make sure you consider this when deciding if a balance transfer is worth it or not.
The higher the balance, the higher the fee, but if you are transferring to save money in interest on another card, the fee may be negligible for you. Say, for instance, you are transferring a $7,000 balance from a card with a 22.99% interest rate. If you leave that balance, you are paying close to $150 per month, which is a lot, especially compared to the one-time $350 you would pay for a 5% transfer fee. Of course, this is assuming you are transferring to a card with a lower interest rate or, ideally, one with a 0% introductory interest rate.
Low or No-Intro APR: Check Specifically for Balance Transfers
Another thing to look for is a 0% introductory interest charge rate, the longer the period the better. This will give you time to pay down the balance without paying interest and can potentially save you hundreds of dollars, especially if the balance is large. We already illustrated just how much you might save in interest above, and it’s worth emphasizing again. There is no point in a balance transfer if there’s no interest-free period or at least a low interest rate. One thing to keep in mind is to check for differences between purchase APR and balance transfer APR – some cards will give you different rates.
Low or No Annual Fee
Since cards with good balance transfer benefits don’t usually have the best long-term rewards, you will want to make sure that you prioritize cards that are inexpensive to maintain. For credit cards that means a low, or no annual fee. Usually, with annual fees, you get access to rewards that incentivize you to spend money on your card. If you are earning 5x – 10x airline miles or 5% cash back on purchases, annual fees can be worth it. However, this is the opposite of what you want in a balance transfer card. You do not want to incentivize spending (more on this later), and the last thing you need is an extra fee hitting your account at the worst time. There are plenty of options with low or no annual fees.
Skip the Bonuses
Intro rewards can be very enticing, but you may want to skip anything that incentivizes you to make new purchases on a card you will be transferring a balance to. When you are trying to pay down a high debt, you should avoid spending on that card, at least until the balance has been paid off. You don’t want any of your introductory rewards to go to waste because you aren’t spending or don’t have the credit space to spend enough.
How to Choose the Best Balance Transfer Offer
Finding 0% balance transfer cards is the easy part. Choosing the best option for your specific circumstances, however, requires a lot more than just comparing transfer fees and the length of the 0% introductory rate. There are several questions you should consider before making a choice. What might be the best option for one person may not be the wisest choice for another.
Here are 6 things to consider.
1. How much debt do you have?
The amount of credit card debt you have is an important consideration for at least two reasons. First, you may or may not qualify for enough credit on a balance transfer card to cover all of your existing credit card debt. This may mean you need to apply for multiple offers if you want to move all of the debt to a 0% card.
Second, your monthly minimum payment may be higher than what you are paying now. While two percent of the outstanding balance is a common minimum payment formula, not all issuers follow this standard. You’ll want to make sure you understand what the minimum payment will be and that your budget can handle it.
2. Which cards hold your debt now?
Credit card issuers do not allow you to transfer debt from one of their cards to another. If you have debt on a Citibank card, for example, you can’t transfer it to another Citibank card. This is particularly important to remember when searching for balance transfer cards. You may find a great offer, but it won’t do you much good if it’s with the same issuer that currently holds your debt.
3. Your credit score
Credit card issuers don’t publish their underwriting standards, including the credit score needed to qualify for one of their cards. The best card offers, however, require a good credit score. While there is no minimum score required, in my experience you want to aim for a FICO score of at least 700. Keep in mind that other factors are important, too, such as your income, debt levels, and history with the credit card issuer.
If you don’t know your credit score, there are several free tools available to get access to your score. One of the free options is credit card issuers. Most major issuers today provide free access to your credit score. You'll find a list of those issuers here.
4. Time to pay off the debt
Most of the top balance transfer cards today offer 0% for 12 to 21 months. Before transferring a balance, assess whether you’ll be able to pay off the debt before the 0% introductory rate ends. If you can pay off the debt in 15 months, for example, you’ll then want to look for offers of 15 months or longer.
5. Life after the 0% offer
Make a plan for when the 0% offer expires. In our case, we continued to transfer the balances until we paid off our credit card debt in full. While this is a reasonable option, there are at least two potential hurdles.
First, there is no guarantee that 0% offers will be available a year or two from now. While balance transfer cards have been part of the credit card landscape for many years, all good things eventually come to an end. Many major issuers left the balance transfer space during COVID-19, including Chase, American Express, and Capital One.
Second, even if these offers are available down the road, there is no guarantee that you’ll qualify for them. As noted above, these offers require a good to excellent credit score.
One way to prepare is to understand what the interest rates will be at the end of the 0% offer. As the CFPB has noted, it's important to understand the interest rate over the life of the new card, not just the introductory rate. All credit card issuers make this information available to you. During the application process, the regular APR is typically stated as a range based on your creditworthiness. If your application is approved, however, you’ll know then what the regular APR is. While this can of course change, you’ll at least have some idea of the consequences should you be unable to pay off the debt before the zero percent rate expires.
6. Other credit card perks
Finally, it’s worth considering the perks beyond the 0% offer. Some of the best balance transfer cards come with no rewards, as noted above. There are, however, several good balance transfer cards that offer cash back rewards.