Top Credit Cards with Low Interest Rates for Balance Transfers in 2025 {update}

• 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

1. Transfer Quickly: Most intro offers are only available within the first 60 days.
2. Pay Off Your Balance: Plan to pay off your debt within the 0% APR period.
3. 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.