0% APR balance transfer cards

Top balance transfer credit cards offer 0% introductory APR periods ranging from 12 to 21 months . These deals typically require good to excellent credit for approval.[experian.com](https://www.experian.com/credit-cards/best-balance-transfer/)

• Citi® Diamond Preferred® Card
  • Intro Offer: $0 annual fee with $3% intro balance transfer fee (min $5) for the first 4 months, then 5%.
  • Details: Offers a 0% intro APR for 21 months on balance transfers (12 months on purchases). Read more details via Motley Fool Money.
• Wells Fargo Reflect® Card
  • Intro Offer: $0 annual fee with a standard introductory balance transfer fee.
  • Details: Provides up to 21 months of 0% intro APR (qualifying intro period includes extension options for on-time minimum payments) on purchases and qualifying balance transfers. Learn more on WalletHub.[experian.com](https://www.bankrate.com/credit-cards/balance-transfer/best-balance-transfer-cards/)
• BankAmericard® credit card
  • Intro Offer: $0 annual fee with a 5% transfer fee on balance transfers.
  • Details: Features 0% intro APR for 21 billing cycles for purchases and balance transfers made in the first 60 days. Check out terms on Bankrate.[experian.com](https://www.bankrate.com/credit-cards/balance-transfer/best-balance-transfer-cards/)
• Citi Double Cash® Card
  • Intro Offer: $0 annual fee and ongoing 2% cash back structure (1% at purchase + 1% as you pay).
  • Details: Pairs a 0% intro APR for 18 months on balance transfers with a long-term rewards program. See full terms on Experian.[experian.com](https://www.experian.com/credit-cards/best-balance-transfer/)
• Wells Fargo Active Cash® Card
  • Intro Offer: $0 annual fee with unlimited 2% cash rewards on all purchases.
  • Details: Offers 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. Review details on Experian.[experian.com](https://www.experian.com/credit-cards/best-balance-transfer/)

If you share:

• Your approximate credit score range
• The estimated balance amount you want to transfer

I can help you narrow down which card matches your payoff timeline and minimizes transfer fees.

You should use a balance transfer card that offers the longest 0% introductory APR period matching the time you need to pay off your debt, such as the Citi® Diamond Preferred® Card or the Wells Fargo Reflect® Card , both providing up to 21 months of 0% APR on transfers.[reddit.com](https://www.reddit.com/r/CreditCards/comments/1ldg952/what_are_the_best_credit_cards_to_transfer_all/)[[2](https://www.nerdwallet.com/credit-cards/learn/choosing-balance-transfer-card)](https://www.nerdwallet.com/credit-cards/learn/choosing-balance-transfer-card)

Choosing the right card depends on how much time you need to clear your balance, whether you want to earn rewards, and how the card handles transfer fees.

Top Balance Transfer Credit Cards

Most major national banks and credit card issuers offer cards with a 0% introductory APR (Annual Percentage Rate) promotion for new purchases, balance transfers, or both. These introductory periods typically last anywhere from 6 to 21 months, depending on the bank and the specific card.[creditcards.chase.com](https://creditcards.chase.com/0-intro-apr-credit-cards)

Major banks that routinely offer 0% APR cards include:

• Wells Fargo: Known for industry-leading length, the Wells Fargo Reflect® Card offers a 0% intro APR for up to 21 months on purchases and qualifying balance transfers. Their Wells Fargo Active Cash® Card also combines 0% intro APR with flat-rate 2% cash back.
• Citi: Offers several options like the Citi® Diamond Preferred® Card and the Citi Simplicity® Card , which feature long 0% intro APR windows for balance transfers and purchases, alongside reward cards like the Citi Double Cash® Card.[creditcards.chase.com]()