Best 0% Balance Transfer Cards
Stop paying interest on credit card debt. These cards offer 15–21 months of 0% APR to help you pay down your balance faster.
Affiliate disclosure: Links may earn us a commission. Details
Our Top Pick
Wells Fargo Reflect Card
The longest 0% intro period from a major issuer. Best for large balances that need nearly two years to pay off.
Wells Fargo Reflect Card
Wells Fargo
Pros
- +21-month 0% intro APR — one of the longest available
- +$0 annual fee
- +Cell phone insurance up to $600 included
Cons
- −5% balance transfer fee
- −No ongoing rewards program
The longest 0% intro period from a major issuer. Best for large balances that need nearly two years to pay off.
Citi Simplicity Card
Citi
Pros
- +18-month 0% intro APR on transfers and purchases
- +Never charges late fees or penalty APR
- +Low 3% intro balance transfer fee (first 4 months)
Cons
- −No rewards program after intro period ends
- −Intro period reduced from 21 to 18 months
The most forgiving balance transfer card. Zero late fees and no penalty APR make it ideal if you might miss a payment.
Discover it Cash Back (18-Month BT)
Discover
Pros
- +18-month 0% intro on transfers + 5% rotating cash back categories
- +3% intro balance transfer fee
- +Discover matches all cash back earned in year one
Cons
- −Only 6-month 0% on purchases
- −Rotating categories require activation
The best card to keep after paying off your transfer. Outstanding rewards make it a great long-term wallet card.
BankAmericard Credit Card
Bank of America
Pros
- +21-month 0% intro APR on transfers and purchases
- +No penalty APR
- +$0 annual fee
Cons
- −5% balance transfer fee
- −No rewards or perks beyond interest savings
Tied for the longest 0% intro period. A simple, no-frills option focused entirely on helping you eliminate debt.