High-interest credit card debt can be a major financial burden, making it difficult to pay off your balance. One of the most effective ways to manage and reduce your debt is by using a balance transfer credit card. These cards offer 0% APR for a limited time, allowing you to pay down your debt without accumulating additional interest.

Choosing the right balance transfer credit card can save you hundreds or even thousands of dollars in interest. In this article, we’ll explore the best balance transfer credit cards of 2025 and provide insights into how they work, what to look for, and how to use them effectively.

What We Will Cover in This Article

  • How balance transfer credit cards work
  • Key factors to consider when choosing one
  • A list of the best balance transfer credit cards of 2025
  • Tips for using them effectively to pay off debt faster

How Do Balance Transfer Credit Cards Work?

A balance transfer credit card allows you to move existing credit card debt to a new card with a lower or 0% introductory APR for a set period. This means your payments go directly toward reducing your principal balance instead of interest charges.

Most balance transfer cards charge a fee, typically between 3% and 5% of the transferred balance. Some cards waive this fee during an initial promotional period, making them even more cost-effective.

Key Factors to Consider When Choosing a Balance Transfer Card

When selecting the right balance transfer credit card, keep the following factors in mind:

  • Introductory APR Period – The longer the 0% APR period, the more time you have to pay off your balance interest-free.
  • Balance Transfer Fee – Some cards charge a transfer fee, while others offer limited-time waivers.
  • Regular APR – After the promotional period, a higher APR applies, so consider the long-term cost.
  • Additional Benefits – Some cards offer cash back, rewards, or other perks alongside balance transfer features.
  • Annual Fees – Many balance transfer credit cards have no annual fees, but always double-check before applying.

Best Balance Transfer Credit Cards of 2025

1. U.S. Bank Visa® Platinum Card – Best for Longest 0% APR Period

  • Intro APR: 0% for 21 months on balance transfers and purchases
  • Balance Transfer Fee: 3% ($5 minimum)
  • Regular APR: 17.74% - 28.74% (Variable)
  • Annual Fee: $0
  • Why Choose It? This card offers one of the longest 0% APR periods, making it ideal for large balances.

2. Navy Federal Credit Union® Platinum Credit Card – Best for No Balance Transfer Fee

  • Intro APR: 0% for 12 months on balance transfers
  • Balance Transfer Fee: None
  • Regular APR: 10.99% - 18.00% (Variable)
  • Annual Fee: $0
  • Why Choose It? No balance transfer fee and a low regular APR make it a great option for long-term savings.

3. Chase Freedom Flex℠ – Best for Cash Back Rewards

  • Intro APR: 0% for 15 months on purchases and balance transfers
  • Balance Transfer Fee: 3% ($5 minimum) for the first 60 days
  • Regular APR: 19.49% - 28.24% (Variable)
  • Annual Fee: $0
  • Why Choose It? Offers 5% cash back on rotating categories while still providing balance transfer benefits.

4. Citi® Diamond Preferred® Card – Best for Extended Balance Transfer Period

  • Intro APR: 0% for 21 months on balance transfers
  • Balance Transfer Fee: 5% ($5 minimum)
  • Regular APR: 17.74% - 28.49% (Variable)
  • Annual Fee: $0
  • Why Choose It? One of the longest balance transfer periods available, giving extra time to pay off debt.

5. Wells Fargo Reflect® Card – Best for Extended Intro APR

  • Intro APR: 0% for 18 months, with an extension of 3 months for on-time payments
  • Balance Transfer Fee: 3% for 120 days, then 5% ($5 minimum)
  • Regular APR: 17.74% - 29.74% (Variable)
  • Annual Fee: $0
  • Why Choose It? The unique APR extension rewards on-time payments with additional interest-free months.

How to Maximize a Balance Transfer Credit Card

Once you’ve selected a balance transfer credit card, follow these steps to get the most out of it:

  • Transfer Debt Early – Some cards require transfers within 60 days to qualify for the promotional rate.
  • Make On-Time Payments – Late payments could void your 0% APR offer and result in penalty rates.
  • Avoid New Purchases – Some cards have different APRs for new purchases, which can lead to extra costs.
  • Pay Off the Balance Before the Intro Period Ends – Once the promotional period expires, the regular APR will apply, so plan your payments accordingly.

Final Thoughts: Which Balance Transfer Card is Right for You?

The best card depends on your financial needs:

  • If you need the longest 0% APR, the U.S. Bank Visa® Platinum Card is a top choice.
  • If you want no balance transfer fee, consider the Navy Federal Credit Union® Platinum Credit Card.
  • If you prefer cash back rewards, the Chase Freedom Flex℠ is a solid option.
  • If you need extra-long transfer terms, the Citi® Diamond Preferred® Card is ideal.
  • If you want flexible repayment time, the Wells Fargo Reflect® Card is worth considering.

By choosing the right card and making a solid repayment plan, you can take control of your debt and save money on interest.