Last updated: October 9, 2026 · Fact checked ✓
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A balance transfer card lets you move debt to a card with 0% intro APR — up to 21 months. That can save you hundreds in interest. Watch the transfer fee (usually 3–5%).
1. Citi® Diamond Preferred® Card — 4.8/5
Best for: Longest 0% window on transfers
- Intro APR: 0% for 21 months on balance transfers (complete within 4 months of account opening); 0% for 12 months on purchases
- Balance transfer fee: 3% intro ($5 minimum)
- Regular APR: 16.74%–27.49% variable
- Annual fee: $0
Pros
- 21 months at 0% is among the longest available
- Low 3% intro transfer fee
- Free FICO score access
Cons
- Earns no rewards
- Transfers must be completed within 4 months
2. Wells Fargo Reflect® Card — 4.8/5
Best for: 0% on both purchases and transfers
- Intro APR: 0% for 21 months on purchases and qualifying balance transfers from account opening
- Balance transfer fee: 5% ($5 minimum)
- Regular APR: 17.74%, 24.24%, or 28.49% variable
- Annual fee: $0
Pros
- 21 months at 0% on purchases too — rare
- Up to $600 cell phone protection
- $0 annual fee
Cons
- 5% transfer fee is higher than Citi's
- Earns no rewards
3. BankAmericard® Credit Card — 4.7/5
Best for: Long 0% with low regular APR
- Intro APR: 0% for 21 billing cycles on purchases and balance transfers made in the first 60 days
- Balance transfer fee: 5%
- Regular APR: 15.24%–26.24% variable
- Annual fee: $0
Pros
- 21 billing cycles at 0%
- Lower starting regular APR than most
- $0 annual fee
Cons
- 5% balance transfer fee
- Transfers only qualify in the first 60 days
- No rewards
4. Citi Double Cash® Card — 4.5/5
Best for: Balance transfer plus ongoing cash back
- Intro APR: 0% for 18 months on balance transfers
- Balance transfer fee: 3% intro ($5 minimum), then 5%
- Regular APR: 18.49%–28.74% variable
- Annual fee: $0
- Rewards: Up to 2% cash back (1% when you buy, 1% when you pay)
Pros
- 18 months at 0% plus real cash back rewards
- $0 annual fee
- Keeps earning after the debt is gone
Cons
- Shorter 0% window than the top picks
- Must pay your bill to earn the full 2%
5. Chase Slate® — 4.4/5
Best for: Chase customers
- Intro APR: 0% for 21 months on balance transfers (check current terms)
- Balance transfer fee: Check current fee
- Annual fee: $0
Pros
- Long 0% window
- Free credit score and dashboard tools
- Good if you already bank with Chase
Cons
- Terms change — verify the current offer
- No rewards
How we picked these
We ranked cards on the length of the 0% intro APR, balance transfer fees, regular APR, and annual fees. Terms change — always check the issuer's site. A balance transfer doesn't erase debt; have a payoff plan for when the intro period ends.