Best Balance Transfer Credit Cards Of June 2025
In 2025, choosing the right balance transfer credit card is essential for effective debt management and financial stability. Our list of top balance transfer credit cards provides a detailed review of options that offer beneficial introductory APR periods, low transfer fees, and advantageous long-term terms. Each card is selected for its ability to offer significant interest savings and assist in quicker debt repayment.
Balance Transfer Credit Cards
U.S. Bank Shield™ Visa® Card
For a limited time, get a special 0% intro APR on purchases and balance transfers for 24 billing cycles. After that the APR is variable, currently 17.74%-28.74%.
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
17.74%-28.74%
Credit Score
Excellent, Good (700 – 749)
💳 U.S. Bank Shield Visa® Card – Summary
🌟 Special Offer:
0% Intro APR for 24 billing cycles on purchases and balance transfers
(Balance transfers must be completed within 60 days of account opening to qualify)
📈 Interest Rates
| Category | APR |
|---|---|
| Purchases | 0% intro for 24 cycles, then 17.74%–28.74% |
| Balance Transfers | 0% intro for 24 cycles, then 17.74%–28.74% |
| Cash Advances | 31.24% |
| Penalty APR | Not applicable |
| Minimum Interest Charge | $1.00 (if charged) |
| Avoiding Interest | 24–30 days grace period if balance is paid in full |
💵 Fees
| Type | Amount |
|---|---|
| Annual Fee | $0 |
| Balance Transfer Fee | 5% (min $5) |
| Cash Advance Fee (varies by type) | 5% (min $5–$10 depending on method) |
| Foreign Transaction Fee | 3% of each transaction |
| ExtendPay® Monthly Fee | Up to 1.6% of original principal (fixed per plan) |
⚠️ Penalty Fees
| Late Payment | Up to $41 |
|---|---|
| Returned Payment | Up to $41 |
| Overlimit | None |
ℹ️ Other Notes
- Your post-intro APR will vary based on your credit profile and the U.S. Prime Rate.
- No Penalty APR is applied.
- Overdraft Protection Advance fee: None
Citi Double Cash® Card
0% Intro APR for 18 months on balance transfers; after that, the variable APR will be 18.24% – 28.24%, based on your creditworthiness.
Unlimited 1% cash back when you buy, plus an additional 1% as you pay, on every purchase.
Cash Back
$200
Annual Fee
$0
Regular APR
18.24% – 28.24%
Credit Score
Excellent, Good (700 – 749)
💳 Citi Double Cash® Credit Card – Summary
💰 Rewards:
- Earn 2% Unlimited Cash Back
- 1% when you buy + 1% as you pay
- $200 Cash Back Bonus
After spending $1,500 in the first 6 months - No category restrictions or earning caps
- Special Travel Offer:
5% total cash back on hotels, car rentals, and attractions booked through Citi Travel℠ (until 12/31/2025)
📈 Interest Rates
| Type | APR |
|---|---|
| Purchases | 18.24%–28.24% (variable, based on creditworthiness) |
| Balance Transfers | 0% intro for 18 months (transfers within 4 months), then 18.24%–28.24% |
| Cash Advances | 29.49% (variable) |
| Citi Flex Plan | 18.24%–28.24% (variable) |
| Penalty APR | Up to 29.99% (may apply indefinitely after late/returned payment) |
| Minimum Interest Charge | $0.50 (if charged) |
💵 Fees
| Type | Amount |
|---|---|
| Annual Fee | $0 |
| Balance Transfer Fee | 3% (min $5) for 4 months; then 5% (min $5) |
| Cash Advance Fee | Greater of $10 or 5% of each transaction |
| Foreign Transaction Fee | 3% of each purchase in U.S. dollars |
| Citi Flex Plan Fee | Up to 1.72% monthly (based on balance, APR, and plan duration) |
⚠️ Penalty Fees
| Late Payment | Up to $41 |
|---|---|
| Returned Payment | Up to $41 |
ℹ️ Other Notes
- Grace Period: At least 23 days if you pay your entire balance (excluding Citi Flex Plan) and monthly Citi Flex Plan Payment on time.
- Penalty APR may be applied indefinitely for late or returned payments.
Wells Fargo Reflect® Card
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.24%, 23.74% or 28.99% variable APR thereafter. Balance transfers made within 120 days from account opening qualify for the introductory rate.
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
17.24%, 23.74%, or 28.99%
Credit Score
Excellent, Good (700 – 749)
💳 Wells Fargo Reflect® Visa Card – Summary
🔥 Key Intro Offer:
0% Intro APR for 21 months on purchases and balance transfers
(From account opening; balance transfers must be requested within 120 days)
📈 Interest Rates
| Type | APR |
|---|---|
| Purchases | 0% intro for 21 months, then 17.24%–28.99% |
| Balance Transfers | 0% intro for 21 months, then 17.24%–28.99% |
| Cash Advances | 29.99% |
| Overdraft Protection | 29.99% |
| Minimum Interest Charge | $1.00 (if charged) |
💵 Fees
| Type | Amount |
|---|---|
| Annual Fee | $0 |
| Balance Transfer Fee | 5% (min $5) |
| Cash Advance Fee | Greater of $10 or 5% |
| Foreign Transaction Fee | 3% of each transaction (converted to USD) |
| Late Payment Fee | Up to $40 |
⚠️ Other Notes
- Offers may vary depending on where you apply.
- You may not qualify for intro APRs if you’ve had the Reflect® Card in the past 48 months.
- To avoid interest on purchases, pay your full balance by the due date (at least 25 days after billing cycle ends).
Citi Custom Cash℠ Card
Get 0% Intro APR for 15 months on purchases and balance transfers; after that, the variable APR will be 18.24% – 28.24%, based on your creditworthiness. Balance Transfers must be completed within 4 months of account opening.
Earn 5% cash back on your top eligible spend category each billing cycle up to $500 spent.
Earn 1% cash back thereafter on all other purchases
Cash Back
$200
Annual Fee
$0
Regular APR
18.24% – 28.24%
Credit Score
Excellent, Good (700 – 749)
💳 Citi Custom Cash® Card – Summary
💰 Rewards:
- 5% cash back on your top eligible spending category each billing cycle (up to $500 in purchases)
- 1% cash back on all other purchases
- Special Travel Offer: +4% bonus on hotels, car rentals, and attractions via Citi Travel℠ (through 6/30/2026)
🎁 Welcome Bonus:
$200 cash back after spending $1,500 within the first 6 months
✅ Other Benefits:
- $0 annual fee
- $0 liability on unauthorized charges
📈 Interest Rates
| Type | APR |
|---|---|
| Purchases | 0% intro for 15 months, then 18.24%–28.24% (variable) |
| Balance Transfers | 0% intro for 15 months (transfers within 4 months), then 18.24%–28.24% (variable) |
| Cash Advances | 29.49% (variable) |
| Citi Flex Plan | 18.24%–28.24% (variable) |
| Penalty APR | Up to 29.99% (may apply indefinitely for late/returned payments) |
| Minimum Interest Charge | $0.50 (if charged) |
💵 Fees
| Type | Amount |
|---|---|
| Annual Fee | $0 |
| Balance Transfer Fee | Greater of $5 or 5% per transfer |
| Cash Advance Fee | Greater of $10 or 5% per advance |
| Foreign Transaction Fee | 3% of each transaction (in USD) |
| Citi Flex Plan Fee | Up to 1.72% monthly (fixed charge based on plan details) |
⚠️ Penalty Fees
| Late Payment | Up to $41 |
|---|---|
| Returned Payment | Up to $41 |
ℹ️ Other Notes
- Grace Period: At least 23 days to avoid interest if full balance (excluding Citi Flex Plan) is paid plus monthly Flex Plan payment
- Penalty APR may apply indefinitely after a late or returned payment
Wells Fargo Active Cash® Card
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. After that your variable APR will be 19.24%, 24.24% or 29.24%. Balance transfers made within 120 days from account opening qualify for the intro rate and fee.
Earn unlimited 2% cash rewards on purchases with no categories to track or quarterly activations
Reward Bonus
$200
Annual Fee
$0
Regular APR
19.24%, 24.24% or 29.24%
Credit Score
Excellent, Good (700 – 749)
💳 Wells Fargo Active Cash® Card – Summary
💰 Rewards:
- Unlimited 2% cash rewards on all purchases — no categories, no caps, no activations
- $200 cash rewards bonus after spending $500 in the first 3 months
✅ Extra Perks:
- $0 annual fee
- No rotating categories or tracking required
🕒 Intro APR Offer:
- 0% intro APR for 12 months on purchases and balance transfers
(Balance transfers must be made within 120 days of account opening) - After that: 19.24%, 24.24%, or 29.24% variable APR based on creditworthiness
📈 Interest Rates
| Type | APR |
|---|---|
| Purchases | 0% intro for 12 months, then 19.24%–29.24% (variable) |
| Balance Transfers | 0% intro for 12 months (within 120 days), then 19.24%–29.24% |
| Cash Advances | 29.99% (variable) |
| Overdraft Protection | 29.99% (variable) |
| Minimum Interest Charge | $1.00 (if charged) |
💵 Fees
| Type | Amount |
|---|---|
| Annual Fee | $0 |
| Balance Transfer Fee | 3% (min $5) for 120 days, then up to 5% (min $5) |
| Cash Advance Fee | Greater of $10 or 5% per advance |
| Foreign Transaction Fee | 3% of each transaction (converted to USD) |
⚠️ Penalty Fees
| Late Payment | Up to $40 |
|---|
ℹ️ Other Notes
- You may not be eligible for intro APRs or bonus rewards if you’ve had a Wells Fargo Active Cash® Card in the last 48 months.
- To avoid interest, pay your full balance by the due date (at least 25 days after billing period ends).
Bank of America® Customized Cash Rewards credit card
Low Intro APRon purchases and qualifying balance transfers for 15 billing cycles
Earn 3% cash backin the category of your choice
Reward Bonus
$200
Annual Fee
$0
Regular APR
18.24%–28.24%
Credit Score
Excellent, Good (700 – 749)
💳 Bank of America® Customized Cash Rewards Card – Summary
🎁 Welcome Bonus:
$200 online cash rewards bonus after spending $1,000 in the first 90 days
💵 Cash Back Rewards:
- 3% cash back in a category of your choice (e.g., gas, online shopping, dining, etc.)
- Additional tiers apply (not listed here, but commonly include 2% at grocery stores & wholesale clubs, 1% on other purchases)
- No annual fee and no enrollment required for rotating categories
🕒 Intro APR:
- 0% Intro APR for 15 billing cycles on:
- Purchases
- Balance transfers (made within 60 days)
- After that: 18.24%–28.24% variable APR (based on credit)
📈 Interest Rates
| Category | APR |
|---|---|
| Purchases | 0% intro for 15 billing cycles, then 18.24%–28.24% |
| Balance Transfers | 0% intro for 15 billing cycles (within 60 days), then 18.24%–28.24% |
| Cash Advances (Direct Deposit/Check) | 21.24%–28.24% variable |
| Cash Advances (ATM/Other) | 28.24% variable |
| Penalty APR | Up to 29.99% (may apply indefinitely after a late payment) |
| Minimum Interest Charge | Not specified (usually applies if any interest is charged) |
💵 Fees
| Type | Amount |
|---|---|
| Annual Fee | $0 |
| Balance Transfer Fee | 3% for 60 days, then 4% |
| Cash Advance Fee | 4% for direct deposit/checks; 5% for ATM/other methods |
| Foreign Transaction Fee | 3% of the transaction (in USD) |
| Custom Pay Plan Fee | 1.72% of the purchase amount moved to a plan (monthly fixed fee) |
⚠️ Penalty Fees
| Late Payment | Up to $40 |
|---|
ℹ️ Other Notes
- Due Date: At least 25 days after billing cycle ends
- No interest on purchases if full balance or Interest Saving Balance is paid by due date
- Interest starts immediately on balance transfers and cash advances
Chase Freedom Unlimited® Card
Plus Rewards: 5% on gas & grocery; 5% on travel ; 3% on dining; 3% 0n drugstore; 1.5% on all other purchases .
Welcome Bonus
$200
Annual Fee
$0
Regular APR
18.99% – 28.49%
Credit Score
Excellent, Good (700 – 749)
💳 Chase Freedom Unlimited® – Summary
🎁 Welcome Bonus:
- $200 bonus after spending $500 on purchases in the first 3 months
💰 Rewards Structure
| Category | Cash Back Rate |
|---|---|
| Travel via Chase Travel | 5% |
| Dining (including takeout) | 3% |
| Drugstores | 3% |
| All other purchases | 1.5% unlimited cash back |
- Cash back rewards never expire
- No minimum redemption amount
📈 Intro APR Offer
| Type | Intro APR | Standard APR |
|---|---|---|
| Purchases | 0% for 15 months | 18.99% – 28.49% (variable) |
| Balance Transfers | 0% for 15 months | 18.99% – 28.49% (variable) |
💡 Balance Transfer Fee: $5 or 3% (within 60 days), then $5 or 5% of each transfer
💵 Fees
| Type | Amount |
|---|---|
| Annual Fee | $0 |
| Cash Advance Fee | Greater of $10 or 5% per advance |
| Foreign Transaction Fee | 3% of each transaction in U.S. dollars |
| Late Payment Fee | Up to $40 |
| Returned Payment Fee | Up to $40 |
| Over-the-Credit-Limit Fee | None |
| Chase Pay Over Time Fee | 0% during intro period, then up to 1.72% of each plan balance |
📊 Interest Rates
| Category | APR |
|---|---|
| Purchases & Transfers | 18.99% – 28.49% (variable) after intro period |
| Cash Advances | 29.24% (variable) |
| Penalty APR | Up to 29.99% (may apply indefinitely for late/returned payments) |
| Minimum Interest Charge | None |
✅ Why It’s a Great Pick
- Flat 1.5% cash back on everything + bonus rates on top categories
- Ideal for everyday spending and starter travel rewards
- No annual fee and long intro APR period for purchases and transfers
Chase Freedom FlexSM Card
Cash Back: 5% on gas & grocery; 5% on travel ; 3% on dining; 3% 0n drugstore; 1% on all other purchases
Welcome Bonus
$200
Annual Fee
$0
Regular APR
18.99%–28.49%
Credit Score
Excellent, Good (700 – 749)
💳 Chase Freedom Flex® – Summary
🎁 Welcome Bonus:
- Earn $200 after spending $500 on purchases in the first 3 months
💰 Cash Back Rewards
| Category | Cash Back |
|---|---|
| Quarterly rotating categories | 5% on up to $1,500/quarter (activation required) |
| Travel through Chase Travel | 5% |
| Dining (including takeout) | 3% |
| Drugstores | 3% |
| All other purchases | 1% |
💡 Quarterly categories typically include gas stations, grocery stores, and online shopping. See Chase’s calendar.
📈 Intro APR Offers
| Type | Intro APR | Standard APR |
|---|---|---|
| Purchases | 0% for 15 months | 18.99% – 28.49% (variable) |
| Balance Transfers | 0% for 15 months | 18.99% – 28.49% (variable) |
Balance Transfer Fee: $5 or 3% (within 60 days), then $5 or 5%
💵 Fees
| Type | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% of each transaction in U.S. dollars |
| Cash Advance Fee | Greater of $10 or 5% |
| Late Payment Fee | Up to $40 |
| Returned Payment Fee | Up to $40 |
| Chase Pay Over TimeSM Fee | 0% during intro period, then up to 1.72% monthly (on plan balance) |
📊 Interest Rates
| Category | APR |
|---|---|
| Purchases & Transfers | 18.99% – 28.49% (variable, after intro period) |
| Cash Advances | 29.24% (variable) |
| Penalty APR | Up to 29.99% (applies indefinitely after a late/returned payment) |
| Minimum Interest Charge | None |
✅ Why It’s Great
- High rotating rewards with consistent bonus categories
- Solid travel, dining, and drugstore multipliers
- No annual fee, long 0% intro APR, and flexible Pay Over Time options
Slate Edge® Credit Card
0% intro APR for 18 months from account opening on purchases and balance transfers. After the intro period, a variable APR of 18.99%–28.99%
Potential 2% APR reduction annually when you pay on time and spend $1,000/year
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
18.99%–28.99%
Credit Score
Excellent, Good (700 – 749)
💳 Slate Edge® Credit Card – Summary
🎁 Introductory Offer:
- 0% Intro APR for 18 months on both purchases and balance transfers
🧾 Key Features
| Feature | Details |
|---|---|
| Annual Fee | $0 |
| Intro APR | 0% on purchases & balance transfers for 18 months |
| APR Reduction Benefit | Potential 2% APR reduction annually when you pay on time and spend $1,000/year* |
| Credit Limit Increase | Automatic review for higher limit if you spend $500 and pay on time in 6 months |
📉 Interest Rates
| Type | APR |
|---|---|
| Standard Purchase APR | 18.99% – 28.99% (variable, after intro period) |
| Balance Transfer APR | 18.99% – 28.99% (variable, after intro period) |
| Cash Advance APR | 29.24% (variable) |
| Penalty APR | Up to 29.99% (applies indefinitely for late/returned payments) |
| Minimum Interest Charge | None |
💵 Fees
| Type | Amount |
|---|---|
| Balance Transfer Fee | Intro: $5 or 3% (within 60 days), then $5 or 5% of each transfer |
| Cash Advance Fee | $10 or 5% of each advance, whichever is greater |
| Foreign Transaction Fee | 3% of each transaction in U.S. dollars |
| Late Payment Fee | Up to $40 |
| Returned Payment Fee | Up to $40 |
| Chase Pay Over Time Fee | 0% during intro period, then up to 1.72% monthly |
✅ Why It’s a Good Pick
- Best for reducing interest over time and carrying balances
- Offers credit limit growth and APR reduction incentives
- No annual fee and an 18-month 0% intro period for both purchases and transfers
Discover it® Balance Transfer Card
0% Intro APR† for 15 months on purchases and balance transfers and 3% Intro fee on balances transfers
Welcome Bonus
Cashback Match
Annual Fee
$0
Regular APR
18.24% – 27.24%
Credit Score
Excellent, Good (700 – 749)
💳 Discover it® Balance Transfer Card – Summary
🎁 Welcome Bonus:
- Unlimited Cashback Match at the end of your first year — Discover will match all the cash back you earn automatically (no limit)
💸 Balance Transfer & Intro APR Offer
| Type | Intro APR | Standard APR |
|---|---|---|
| Purchases | 0% for 15 months from account opening | 18.24% – 27.24% (variable) |
| Balance Transfers | 0% for 15 months on transfers posted by Aug 10, 2025 | 18.24% – 27.24% (variable) |
| Cash Advances | Not included in intro offer | 29.24% (variable) |
💡 Balance Transfer Fee: 3% during intro offer (by Aug 10, 2025), then 5%
💡 No Penalty APR
💰 Cash Back Rewards
| Category | Cash Back |
|---|---|
| Rotating quarterly categories | 5% on up to $1,500/quarter, then 1% (activation required) |
| All other purchases | 1% unlimited cash back |
| Cashback Match | 100% match of all cash back earned in first year |
✅ Rewards never expire and can be redeemed anytime
🛍️ Use rewards at checkout on Amazon.com
📲 Extra Features
- Freeze it®: Instantly lock your card via app or web if misplaced
- Free FICO® score access
- No annual fee
📊 Interest & Penalty Terms
| Minimum Interest Charge | $0.50 if interest is charged |
|---|---|
| Penalty APR | None |
| Late Payment Fee | $0 first time, then up to $41 |
| Returned Payment Fee | Up to $30 |
✅ Why Choose This Card
- One of the best balance transfer offers with long 0% intro period
- Rotating 5% cash back keeps rewards fresh and flexible
- Match bonus doubles your first-year earnings