Best balance transfer cards with 0% APR of January 2025

Discover APRs are accurate as of December 12, 2024

Credit cards have notoriously high interest rates, so carrying a balance can be costly. However, some cards offer a path to paying off debt quicker with an introductory 0% APR period. These cards offer no interest for up to 21 months, which can more than offset any balance transfer fees.

Below, CNBC Select reviews the best balance transfer cards and we share what you need to know about using a balance transfer card (see our methodology for information on how we chose these cards).

Best with intro 0% APR for 21 months

Best with intro 0% APR for 18 months

Best with intro 0% APR for 15 months

Receive a 0% intro APR for 21 months on balance transfers and for 12 months on purchases.

See rates and fees. Terms apply. Read our Citi Simplicity® Card review.

The Citi Simplicity® Card may not earn rewards, but it can still save you money due to its amazing intro-APR offers.

Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.

There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

3%

Who's this for: The Citi Simplicity® Card has a generous 0% APR period for balance transfers and a lower balance transfer fee than other options.

Balance transfer offer: When you transfer a balance to the Citi Simplicity card within the first four months from account opening, you'll receive an intro 0% APR on that balance for 21 months. Then a variable 18.49% - 29.24% APR applies. An intro balance transfer fee of 3% of the amount you transfer ($5 minimum) applies to transfers you make in the first four months,