Top Credit Cards With Low Interest Rates For Balance Transfers In 2025

If you’re looking to save money on debt, credit cards with low interest rates for balance transfers can be a smart choice. These cards often feature 0% introductory APR offers or lower-than-average interest rates, helping you consolidate balances and reduce interest payments. Let’s dive into the best options!

What to Look for in a Balance Transfer Credit Card

Introductory APR: Prefer cards with 0% interest for at least 12–21 months.
Balance Transfer Fee: Check for low or no fees (typically 3%-5%).
Ongoing APR: Look for a competitive rate after the intro period.
Credit Limit: Ensure the card offers sufficient credit for your needs.

Best Credit Cards for Low Interest Rates and Balance Transfers in 2025

Credit Card	Intro APR on Balance Transfers	Balance Transfer Fee	Regular APR
Citi Simplicity® Card	0% for 21 months	5% (min $5)	19.24%–29.99% Variable
Discover it® Balance Transfer	0% for 18 months	3% (first 3 months)	16.24%–27.24% Variable
Wells Fargo Reflect® Card	0% for up to 21 months	5% (min $5)	18.24%–28.24% Variable
Chase Slate Edge℠	0% for 18 months	3% (first 60 days)	19.24%–27.99% Variable
BankAmericard® Credit Card	0% for 21 months	3% (min $10)	16.24%–26.24% Variable
U.S. Bank Visa® Platinum Card	0% for 18 months	3% (min $5)	17.49%–27.49% Variable

1. Citi Simplicity® Card

Known for its longest introductory period, this card is perfect for transferring balances.

Introductory Offer:
- 0% APR on balance transfers for 21 months.
- 0% APR on purchases for 12 months.
Balance Transfer Fee: 5% or $5, whichever is greater.
Ongoing APR: 19.24%–29.99% variable.
Key Benefits:
- No late fees.
- No penalty APR.

2. Discover it® Balance Transfer

This card offers excellent rewards along with a long balance transfer period.

Introductory Offer:
- 0% APR on balance transfers for 18 months.
- 0% APR on purchases for 6 months.
Balance Transfer Fee: 3% (first 3 months), then 5%.
Ongoing APR: 16.24%–27.24% variable.
Key Benefits:
- Cashback Match: All cash back earned in the first year is matched.
- No annual fee.

3. Wells Fargo Reflect® Card

A flexible card offering up to 21 months of no interest.

Introductory Offer:
- 0% APR on balance transfers and purchases for up to 21 months.
Balance Transfer Fee: 5% or $5, whichever is greater.
Ongoing APR: 18.24%–28.24% variable.
Key Benefits:
- Up to 21 months based on timely payments.
- No annual fee.

4. Chase Slate Edge℠

Designed for low-interest balance transfers with a chance to lower APR further.

Introductory Offer:
- 0% APR on balance transfers and purchases for 18 months.
Balance Transfer Fee: 3% (first 60 days).
Ongoing APR: 19.24%–27.99% variable.
Key Benefits:
- APR reduction opportunity by 2% annually.
- No annual fee.

5. BankAmericard® Credit Card

A straightforward card with a long 0% APR period.

Introductory Offer:
- 0% APR on balance transfers for 21 months.
- 0% APR on purchases for 18 months.
Balance Transfer Fee: 3% or $10, whichever is greater.
Ongoing APR: 16.24%–26.24% variable.
Key Benefits:
- No penalty APR.
- No annual fee.

6. U.S. Bank Visa® Platinum Card

This card offers one of the longest interest-free periods.

Introductory Offer:
- 0% APR on balance transfers and purchases for 18 months.
Balance Transfer Fee: 3% or $5, whichever is greater.
Ongoing APR: 17.49%–27.49% variable.
Key Benefits:
- Free cell phone protection.
- No annual fee.

How to Maximize Balance Transfer Savings

Transfer Quickly: Most intro offers are only available within the first 60 days.
Pay Off Your Balance: Plan to pay off your debt within the 0% APR period.
Monitor Fees: Factor in balance transfer fees when calculating savings.

With options like the Citi Simplicity® Card and the Discover it® Balance Transfer, finding a credit card with low interest rates for balance transfers has never been easier. These cards can help you consolidate debt, reduce interest payments, and take control of your finances.