Best balance transfer credit cards of 2025
Save money by transferring high-interest debt to a balance transfer card. Get matched to credit cards from our partners based on your unique credit profile.⍉

Move your debt
You could save by moving your existing debt to a card with a lower interest rate.
Save on interest
Pay zero interest for a year or more with a 0% intro APR card.
Consolidate payments
Combine multiple balances into one monthly payment.
Browse categories
All balance transfer credit cards
12 partner offers
Citi Double Cash® Card
Intro APR: | 0% for 18 months on Balance Transfers |
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Ongoing APR: | 18.24% - 28.24% (Variable) |
Rewards: | 2% (cash back) |
Annual Fee: | $0 |
American Airlines AAdvantage® MileUp® Card
Intro APR: | 0% for 15 months on Balance Transfers |
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Ongoing APR: | 20.24% - 29.24% (Variable) |
Rewards: | 2x (Miles per dollar) |
Annual Fee: | $0 |
Capital One® Quicksilver® Cash Rewards Credit Card
Intro APR: | 0% on Purchases and Balance Transfers for 15 months |
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Ongoing APR: | 15.49% - 25.49% (Variable) |
Rewards: | 1% (cash back) |
Annual Fee: | $0 |
Wells Fargo Reflect® Card
Intro APR: | 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers |
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Ongoing APR: | 17.24%, 23.74%, or 28.99% Variable APR |
Rewards: | N/A* |
Annual Fee: | $0 |
Chase Freedom Unlimited®
Intro bonus: | Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening |
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Intro APR: | 0% Intro APR on Purchases and Balance Transfers for 15 months |
Ongoing APR: | 18.99% - 28.49% Variable |
Rewards: | 1.5%-5% (cash back) |
Annual Fee: | $0 |
Discover it® Chrome
Intro bonus: | Discover will match all the cash back you’ve earned at the end of your first year |
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Intro APR: | 0% intro APR on Purchases for 6 months and 0% intro APR on Balance Transfers for 18 months |
Ongoing APR: | 18.24% - 27.24% Variable APR |
Rewards: | 1%-2% (cash back) |
Annual Fee: | $0 |
Wells Fargo Active Cash® Card
Intro bonus: | Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months |
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Intro APR: | 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers |
Ongoing APR: | 19.24%, 24.24%, or 29.24% Variable APR |
Rewards: | 2% (Cash Rewards) |
Annual Fee: | $0 |
cashRewards Credit Card
Ongoing APR: | 10.65% - 18% Variable |
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Rewards: | 1.5% (cash back) |
Annual Fee: | $0 |
GO REWARDS® Credit Card
Ongoing APR: | 9.99% - 18% Variable |
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Rewards: | 1x-3x (Points per dollar) |
Annual Fee: | $0 |
Blue Cash Preferred® Card from American Express
Intro bonus: | Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. |
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Intro APR: | 0% on Purchases and Balance Transfers for 12 months |
Ongoing APR: | 20.24%-29.24% Variable |
Rewards: | 1%-6% (cash back) |
Annual Fee: | $0 intro annual fee for the first year, then $95. |
Terms Apply
Rates and feesBlue Cash Everyday® Card from American Express
Intro bonus: | Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. |
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Intro APR: | 0% on Purchases and Balance Transfers for 15 months |
Ongoing APR: | 20.24%-29.24% Variable |
Rewards: | 1%-3% (cash back) |
Annual Fee: | $0 |
Terms Apply
Rates and feesHow to do a balance transfer
Know how much you want to transfer
Determine the amount of debt you’ll be transferring. If you have high amount, it’s important to prioritize balances with higher interest rates first.
Choose the right balance transfer card
Research the balance transfer credit cards that fit your need. You can check your credit scores to figure out which ones you’ll most likely get approved.
Review the terms
Understand the length of the intro 0% APR period, what the regular APR will be once the promo period ends and how much the balance transfer fee is.
Apply and initiate the transfer
Once you’re approved, you can start a transfer. Make a repayment plan to pay off the balance before the intro period ends.
Start with your FICO® ScoreΘ and see card offers matched to your credit profile.
Get started for free