Struggling with high-interest credit card debt? A balance transfer card could help you save big on interest and pay off your balance faster. We’ve handpicked the best 0% APR balance transfer offers for 2025 that come with generous terms and low or no fees.
1. Citi® Diamond Preferred® Card
- 0% intro APR on balance transfers for 21 months
- Variable APR after intro: 17.99%–28.74%
- $0 annual fee
- No rewards, but ideal for debt consolidation
👉 Visit Citi to Apply
2. Wells Fargo Reflect® Card
- 0% intro APR for up to 21 months with on-time payments
- $0 annual fee
- Intro APR applies to purchases too
- Not many perks, but great for long-term transfers
👉 Check It Out on Wells Fargo
3. BankAmericard® Credit Card
- 0% intro APR for 18 billing cycles
- No penalty APR
- $0 annual fee
- Easy approval for good credit scores
👉 Explore More at Bank of America
💡 Tips to Maximize Balance Transfers
- Transfer early to make the most of the 0% APR period
- Avoid new purchases on the transfer card to stay debt-free
- Always pay on time to maintain promo rates
- Pay more than the minimum each month to eliminate debt faster
🔗 More Smart Credit Tips
Final Thoughts
Choosing the right balance transfer offer can make a huge difference in your financial journey. These top picks give you time to breathe, organize your debt, and ultimately come out ahead.
