If you’re carrying a balance on a high-interest credit card, you’re not alone. But the good news? Say goodbye to outrageous interest charges.0% APR Balance Transfer credit cards with 0% introductory APR let you move existing debt to a new card and avoid interest for a promotional period—giving you time to pay off what you owe, interest-free.
Whether you’re in the U.S., U.K., or beyond, here’s your up-to-date guide to the top options in 2025.
Top 0% APR Balance Transfer Credit Cards in the U.S. (2025)
1. Citi® Diamond Preferred® Card
- Enjoy 0% APR for 21 months on balance transfers and 12 months on new purchases.
- Standard APR: 19.24% – 27.99% variable
- Annual Fee: $0
- Transfer Fee: 3% (minimum $5)
- Best For: Long-term debt payoff without interest
- Why It Stands Out: One of the longest 0% periods available in the U.S.
2. Wells Fargo Reflect® Card
- 0% APR Period: Up to 21 months (based on on-time payments)
- Standard APR: 17.24% – 28.99% variable
- Annual Fee: $0
- Transfer Fee: 3% minimum, increases after 120 days
- Best For: People committed to paying on time
- Why It Stands Out: Long intro period and no annual fee
3. Citi® Double Cash Card
- 0% APR Period: 18 months on balance transfers
- Standard APR: 18.24% – 28.24% variable
- Annual Fee: $0
- Transfer Fee: 3% or $5 minimum
- Earn 2% cash back: 1% when you make a purchase, 1% when you pay it off.
- Best For: Earning cash back while paying off debt
- Why It Stands Out: Combines rewards and debt management
4. Chase Freedom Unlimited®
- 0% APR Period: 15 months for purchases and balance transfers
- Standard APR: 18.99% – 28.49% variable
- Annual Fee: $0
- Transfer Fee: 3% minimum or $5
- Earn up to 5% cash back in select spending categories.
- Best For: Earning rewards while consolidating debt
- Why It Stands Out: Great intro offer + valuable rewards
5. Discover it® Balance Transfer
- 0% APR Period: 18 months on balance transfers
- Standard APR: 18.24% – 27.24% variable
- Annual Fee: $0
- Transfer Fee: 3%
- Earn 1% cash back on all purchases, plus a Cashback Match at year-end.
- Best For: Cash-back seekers consolidating debt
- Why It Stands Out: Cashback Match effectively doubles your first year’s earnings
Tips for Using a 0% APR Balance Transfer Card Effectively
- Pay it off before the promo ends: Once the 0% intro period ends, regular interest rates kick in.
- Don’t just move the debt—pay it: Make consistent payments each month to actually reduce the balance.
- Avoid new purchases: Many cards charge interest on purchases even during the transfer offer period.
- Watch the transfer deadline: Some cards require balance transfers within the first 60–120 days.
Top Balance Transfer Credit Card Picks in the U.K. (2025)
If you’re in the United Kingdom, you also have access to attractive 0% APR offers. Here are some leading options:
Barclaycard Platinum
- 0% Balance Transfer: Up to 24 months
- Transfer Fee: Typically 1.5%–3.5%
- Best For: People wanting solid interest-free terms with a major brand
Virgin Money Balance Transfer Card
- 0% Balance Transfer: Up to 29 months
- Fee: Around 2.7%
- Why It’s Popular: One of the longest intro periods in the U.K.
TSB Balance Transfer Credit Card
- 0% Balance Transfer: 21 months
- Transfer Fee: 1.45%
- Bonus: Low minimum transfer amount required
Balance Transfer Credit Cards in Russia
While balance transfer cards are less common in Russia, some banks offer promotions for switching balances:
- Tinkoff Bank occasionally provides interest-free grace periods for new customers.
- Sberbank and Alfa-Bank offer low-interest refinancing products, though not traditional “balance transfer cards” in the Western sense.
These offers vary significantly and often depend on credit profile and approval.
Final Thoughts: Is a Balance Transfer Card Right for You?
If you’re paying interest on credit card debt, a 0% APR balance transfer card can be a smart financial move—but only if you use it wisely.
Pros:
- Save on interest
- Consolidate multiple debts
- Pay off balances faster
Watch out for:
- Transfer fees
- Short promo periods
- High post-introductory APRs
Before applying, compare your options carefully and have a plan to pay off your balance during the promotional window.
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