If you’re struggling with high-interest credit card debt, transferring your balance to a new card with a 0% introductory APR offer can be a great strategy to save money and pay off your debt faster. In 2025, there are many credit cards designed specifically for balance transfers, helping you reduce your interest payments and potentially avoid additional fees during the introductory period.

In this article, we’ll explore the best credit cards for balance transfers in 2025, highlighting those with the most competitive balance transfer offers, low fees, and extended 0% APR periods.

Why Consider a Balance Transfer Credit Card?

Balance transfer credit cards offer a low or 0% introductory APR on balances transferred from other credit cards, allowing you to pay down your debt without accumulating additional interest during the introductory period. This can be a game-changer for those looking to save money on interest payments while aggressively tackling their debt.

Here’s why balance transfer credit cards are a popular choice:

• Save on Interest: With a 0% APR for an introductory period, you can focus on paying down the principal rather than being bogged down by interest.
• Pay Down Debt Faster: Without high-interest rates, your payments can go entirely toward reducing your debt, helping you pay it off quicker.
• Consolidate Debt: If you have balances on multiple cards, you can simplify your finances by consolidating them into a single payment.

However, it’s important to note that balance transfer credit cards usually come with a balance transfer fee (typically 3%-5% of the transferred amount), so you’ll want to choose a card with the best overall value in terms of transfer terms and fees.

Best Credit Cards for Balance Transfers in 2025

1. Chase Slate Edge®

The Chase Slate Edge® is a top choice for those looking to transfer balances and save on interest. It offers a 0% intro APR for the first 18 months on balance transfers (after which a variable APR of 19.24% – 27.24% applies). This extended 0% APR period gives you ample time to pay off your transferred balances without accruing additional interest.

One of the standout features of this card is the no balance transfer fee for transfers made within the first 60 days of account opening. This can be a significant advantage, as many balance transfer cards charge a fee ranging from 3%-5% of the transferred amount.

Additionally, the Chase Slate Edge® offers a $100 bonus after you spend $500 in the first 3 months, helping offset any transfer fees if you miss the 60-day window.

Key Highlights:

• 0% intro APR for 18 months on balance transfers (then 19.24% – 27.24% variable APR)
• No balance transfer fee for transfers made within the first 60 days
• $100 bonus after spending $500 in the first 3 months
• No annual fee
• 0% intro APR on purchases for 18 months

2. Citi® Diamond Preferred® Card

The Citi® Diamond Preferred® Card offers an extended 0% intro APR for 21 months on balance transfers (then a variable APR of 18.74% – 29.74%). This makes it one of the best options for those looking for a long window to pay down existing balances without the pressure of interest fees.

The balance transfer fee is 5% (or $5, whichever is greater), which is standard for most balance transfer cards. However, with 21 months of 0% APR, you have a long time to reduce your balance without worrying about interest.

While the card doesn’t offer a sign-up bonus, the extended 0% APR period and no annual fee make it an excellent option for those with substantial credit card debt.

Key Highlights:

• 0% intro APR for 21 months on balance transfers (then 18.74% – 29.74% variable APR)
• 5% balance transfer fee (min. $5)
• No annual fee
• 0% intro APR for 12 months on purchases
• Excellent for large balances

3. Wells Fargo Reflect® Card

The Wells Fargo Reflect® Card offers a fantastic 0% intro APR for 18 months on both purchases and balance transfers (then 18.49% – 30.49% variable APR). What sets this card apart is its 18 months of 0% APR on purchases, which allows you to make purchases without incurring interest during the introductory period, in addition to balance transfers.

The balance transfer fee is 3% for the first 120 days, and 5% thereafter, which is relatively low compared to other cards. You also have the option to earn a $200 cash rewards bonus after spending $1,000 in the first 3 months, helping you offset some of the transfer costs.

Key Highlights:

• 0% intro APR for 18 months on balance transfers (then 18.49% – 30.49% variable APR)
• 0% intro APR for 18 months on purchases
• 3% balance transfer fee for transfers within the first 120 days (5% thereafter)
• $200 cash rewards bonus after spending $1,000 in the first 3 months
• No annual fee

4. Discover it® Balance Transfer

The Discover it® Balance Transfer card is a solid option for those looking for a long introductory period and the opportunity to earn cashback while paying down debt. It offers 0% intro APR for 18 months on balance transfers (after which a variable APR of 16.24% – 27.24% applies).

Additionally, the card provides 5% cashback in rotating categories (on up to $1,500 in combined purchases each quarter) and 1% cashback on all other purchases, giving you the chance to earn rewards as you pay off your balance. Discover also matches all the cashback earned during your first year, which can be a great way to accumulate extra rewards.

The balance transfer fee is 3% of the amount transferred.

Key Highlights:

• 0% intro APR for 18 months on balance transfers (then 16.24% – 27.24% variable APR)
• 5% cashback on rotating categories (up to $1,500 in purchases per quarter)
• 1% cashback on other purchases
• No annual fee
• 3% balance transfer fee
• Cashback match at the end of your first year

5. U.S. Bank Visa® Platinum Card

The U.S. Bank Visa® Platinum Card offers an incredible 0% intro APR for 20 billing cycles on balance transfers (then 18.99% – 28.99% variable APR). This is one of the longest 0% APR periods available in 2025, making it ideal for those looking for an extended period to pay down debt.

The balance transfer fee is 3% of the amount transferred (min. $5), and there is no annual fee. While this card doesn’t offer a sign-up bonus or rewards, its lengthy 0% APR period makes it a fantastic option for paying off large balances without additional interest charges.

Key Highlights:

• 0% intro APR for 20 billing cycles on balance transfers (then 18.99% – 28.99% variable APR)
• 3% balance transfer fee (min. $5)
• No annual fee
• 0% intro APR on purchases for 20 billing cycles
• No rewards or sign-up bonus

6. BankAmericard® Credit Card

The BankAmericard® Credit Card offers a solid 0% intro APR for 18 billing cycles on balance transfers (then a variable APR of 16.99% – 26.99%). This card is known for its simplicity, with no annual fee and a relatively low 3% balance transfer fee.

The 0% intro APR on balance transfers gives you plenty of time to pay down your debt without accruing interest. Additionally, the card comes with no annual fee, making it an excellent choice for individuals who want to focus on debt reduction without additional costs.

Key Highlights:

• 0% intro APR for 18 billing cycles on balance transfers (then 16.99% – 26.99% variable APR)
• 3% balance transfer fee (min. $10)
• No annual fee
• No rewards program

Final Thoughts

When it comes to choosing the best balance transfer credit card in 2025, there are several strong contenders that offer long 0% APR periods and competitive balance transfer fees. For those who need more time to pay down large balances, the Citi® Diamond Preferred® Card (21 months) or U.S. Bank Visa® Platinum Card (20 months) are fantastic options. If you want to avoid balance transfer fees, the Chase Slate Edge® stands out with its fee-free transfers within the first 60 days.