Best Balance Transfer Credit Cards of 2025
Introduction: Managing high-interest debt can be challenging. Balance transfer credit cards offer a solution by allowing you to transfer existing balances to a new card with a 0% APR promotional period. Here are some top picks for 2025.
1. Citi Simplicity® Card
- Intro APR: 0% on balance transfers for 21 months; 0% on purchases for 12 months.
- Regular APR: 18.24% - 28.99% variable.
- Annual Fee: $0.
- Benefits: No late fees, no penalty rate, and a lengthy balance transfer period.
2. Wells Fargo Reflect® Card
- Intro APR: 0% on purchases and qualifying balance transfers for 21 months.
- Regular APR: 17.24%, 23.74%, or 28.99% variable.
- Annual Fee: $0.
- Benefits: Extended intro APR period, making it ideal for large purchases or consolidating debt.
3. U.S. Bank Visa® Platinum Card
- Intro APR: 0% on purchases and balance transfers for 21 billing cycles.
- Regular APR: 17.74% - 28.74% variable.
- Annual Fee: $0.
- Benefits: Cell phone protection and no annual fee.
Conclusion: Balance transfer cards can be a strategic tool to manage debt. Ensure you understand the terms, including any balance transfer fees, and have a plan to pay off the balance before the introductory period ends.