Best Balance Transfer Credit Cards with Low-Interest Rates in the USA for 2025

If you carry a balance on your credit card regularly, a balance transfer credit card can be a useful tool to save on interest charges and pay off debt quickly. High interest rates can keep you from making progress financially.

Still, by moving your current balance to a card with a 0% introductory APR or a lower regular interest rate, you can save money and better manage your payments.

We have reviewed some of the top deals out there for you and made a list of the top five balance transfer credit card companies for 2025. The companies were chosen based on criteria such as introductory APR promotions, balance transfer fees, regular interest rates, and other benefits.

Let’s take a closer look at the top five balance transfer credit card issuers of 2025 and what they have to offer.

Summary Table (TLDR)

Top 5 Balance Transfer Credit Card Issuers for 2025

Best Balance Transfer Credit Cards with Low-Interest Rates in the USA for 2025

CitiBank Balance Transfer Credit Cards

Citi provides some of the most extended 0% APR terms, sometimes as long as 21 months. Their balance transfer rates are competitive, and they are low-cost options. Citi cards have low regular APRs following the intro period. 

Excellent digital features and great customer service provide a good user experience. Good for those who want to save on interest over a longer period.

1. Citi Simplicity Card

Best for those who want a long 0% intro APR period and no late fees. It offers a 0% intro APR on balance transfers for 21 months, followed by a variable APR. No annual fee and no penalty APR make it ideal for balance transfers and avoiding fees.

• Issuer – Citibank
• Payment Gateway – MasterCard
• Annual Fee – $0
• Credit Score – Good-Excellent
• Intro APR – 0% for 21 months
• Regular APR – 19.24%–29.24%
• Balance Transfer APR – 0 for 21 months and then regular (19.24%–29.24%)
• Cash Advance Fee – 5% or $10
• Sign-up Bonus – N/A
• International Transaction Fee – 3%
• Best For – Balance Carriers, Budget-Conscious

2. Citi Diamond Preferred Card

Designed for those looking for a long 0% APR period on purchases and balance transfers. It provides 21 months of 0% APR on balance transfers, making it an excellent choice for managing existing debt. No annual fee, but it lacks rewards programs.

• Issuer – Citibank
• Payment Gateway – MasterCard
• Annual Fee – 3%
• Credit Score – $0
• Intro APR – 0% for 21 months
• Regular APR – 18.24%-29.24%
• Balance Transfer APR – 0% for 21 months, then regular 18.24%-29.24%
• Cash Advance Fee – 0% intro APR for 21 months on purchases & transfers
• Sign-up Bonus – N/A
• International Transaction Fee – 0% for 21 months, after that, 3%
• Best For – Balance Carriers, Students

3. Citi Custom Cash Card

A great option for maximizing cash back on everyday spending. It offers 5% cash back on your top spending category (up to $500 monthly), automatically adjusting to your spending habits. Perfect for users who want rewards without tracking categories.

• Issuer – Citibank
• Payment Gateway – MasterCard
• Annual Fee – $0
• Credit Score – Good-Excellent
• Intro APR – 0% for 15 months
• Regular APR – 19.24%–29.24%
• Balance Transfer APR – 0% for 15 months, then regular 19.24%–29.24%
• Cash Advance Fee – 5% or $10, whichever is greater
• Sign-up Bonus – $200 cash back after $1,500 spent in 3 months
• International Transaction Fee – 3%
• Best For – Everyday Users, High Spenders

4. Citi Double Cash Card

Ideal for those who want simple, flat-rate cashback. Earn 2% cashback on all purchases (1% when you buy and 1% when you pay off the balance). It also features an 18-month 0% APR on balance transfers, making it a great dual-purpose card.

• Issuer – Citibank
• Payment Gateway – MasterCard
• Annual Fee – $0
• Credit Score – Good-Excellent
• Intro APR – 0% intro APR for the first 18 months
• Regular APR – 19.24%–29.24%
• Balance Transfer APR – 0% for 18 months, then regular 19.24%–29.24%
• Cash Advance Fee – 5% or $10, whichever is greater
• Sign-up Bonus – N/A
• International Transaction Fee – 3%
• Best For – Everyday Users, Budget-Conscious

5. Citi Reward+@ Card

Best for small purchases due to its unique round-up feature, which rounds up points on every transaction to the nearest 10 points. Earn 2X points on groceries and gas (up to $6,000 per year) and 1X on other purchases.

• Issuer – Citibank
• Payment Gateway – MasterCard
• Annual Fee – $0
• Credit Score – Good-Excellent
• Intro APR – 0% for 15 months
• Regular APR – 19.24%–29.24%
• Balance Transfer APR – 0% for 15 months, then regular, 19.24%–29.24%
• Cash Advance Fee – 5% or $10, whichever is greater
• Sign-up Bonus – 20,000 points after $1,500 spent in 3 months
• International Transaction Fee – 3%
• Best For – Everyday Users, Students

Chase Balance Transfer Credit Cards

Chase offers 0% APR balance transfer deals with bonus cashback rewards. They usually charge low or no annual fees, which are inexpensive.

Chase’s fraud protection offers safety for purchases. Mobile banking features provide easy payment management. A perfect option for people who desire to save on the internet while gaining rewards.

1. Chase Slate Edge Credit Card

A credit-building card designed to help with balance transfers and responsible credit use. It offers a 0% intro APR for 18 months on balance transfers and purchases, with the potential to lower your APR over time based on responsible usage.

• Issuer – Chase
• Payment Gateway – Visa
• Annual Fee – $0
• Credit Score – Limited/ No Credit
• Intro APR – 0% intro APR on purchases and balance transfer for 6 months; after that, variable APR of 14.99% – 24.74%.
• Regular APR – 20.49% – 29.24% Variable
• Balance Transfer APR – 0% Intro APR on Balance Transfers for 18 months; then 20.49% – 29.24% Variable
• Cash Advance Fee – N/A
• International Transaction Fee – 3% of each transaction in U.S. dollars.
• Sign-up Bonus – A $50 bonus after purchasing within the first 3 months of account opening.
• Best For – Credit Builder, Students

2. Chase Freedom Flex Credit Card

Best for earning rotating category cash back. Earn 5% back on quarterly rotating categories (up to $1,500), 3% on dining and drugstores, and 1% on all other purchases. It’s a great choice for maximizing rewards.

• Issuer – Chase
• Payment Gateway – Visa
• Annual Fee – $550
• Credit Score – Excellent
• Intro APR – 0% for 18 months
• Regular APR – 22.24%–29.24%
• Balance Transfer APR – 0% Intro APR for 18 Months, after that, Regular APR
• Cash Advance Fee – 5% or $10, whichever is greater
• International Transaction Fee – No Foreign Transaction Fee
• Sign-up Bonus – 60,000 points after $4,000 spent in 3 months
• Best For – Frequent Travelers, Luxury Travelers

3. Chase Freedom Unlimited

A solid option for everyday spending. Earn unlimited 1.5% cash back on all purchases, with bonus rewards on travel (5%), dining (3%), and drugstores (3%). It’s best for those who want straightforward rewards without category tracking.

• Issuer – Chase
• Payment Gateway – Visa
• Annual Fee – $0
• Credit Score – Good-Excellent
• Intro APR – 0% for 15 months
• Regular APR – 20.24%–28.99%
• Balance Transfer APR – 0% for the first 18 months, then a variable APR of 20.24%–28.99%
• Cash Advance Fee – 5% or $10
• Sign-up Bonus – $200 after $500 spent in 3 months
• International Transaction Fee – 3%
• Best For – General Consumers

Bank of America Balance Transfer Credit Cards

Bank of America features low ongoing APRs, which are suitable for paying debts in the long run. A few cards include 0% APR for a maximum period of 18 months.

Customers get preferential rewards and benefits as existing clients. Their balance transfers offer adjustable terms for repayment. Ideal for users looking for stability and less interest.

1. Bank of America® Unlimited Cash Rewards

Ideal for those who prefer a flat-rate cash-back card. Earn unlimited 1.5% cash back on all purchases with no category restrictions. Preferred Rewards members can boost rewards by up to 25%-75%.

• Issuer – Bank of America
• Payment Gateway – Visa
• Annual Fee – $0
• Credit Score – Good/Excellent
• Intro APR – 0% intro APR for 15 billing cycles for purchases and any balance transfers made in the first 60 days.
• Regular APR – Variable APR of 18.24% – 28.24%.
• Balance Transfer APR – 0% for 15 billing cycles; after that,  same as Regular APR, a balance transfer fee applies.
• Cash Advance Fee – N/A
• Sign-up Bonus – $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening.
• International Transaction Fee – 3% of each transaction in U.S. dollars.
• Best For – Everyday Spenders, Students

2. Bank of America® Customized Cash Rewards

Ideal for those who prefer a flat-rate cashback card. Earn 3% cashback in a category of your choice (gas, dining, travel, etc.), 2% at grocery stores and wholesale clubs (up to $2,500 per quarter), and 1% on other purchases.

• Issuer – Bank of America
• Payment Gateway – Visa
• Annual Fee – $0
• Credit Score – Good/Excellent
• Intro APR – 0% intro APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days. After that, a variable APR of 18.24% – 28.24% applies.
• Regular APR – Variable APR of 18.24% – 28.24%.
• Balance Transfer APR – 0% for 15 billing cycles; after that, same as regular APR, a balance transfer fee applies.
• Cash Advance Fee – N/A
• Sign-up Bonus – $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening.
• International Transaction Fee – 3% of each transaction in U.S. dollars.
• Best For – Everyday Spenders

3. Bank of America Card

Designed for balance transfers and paying down debt. It offers a 0% intro APR for 18 billing cycles on balance transfers and purchases. No rewards program, but it’s perfect for those prioritizing debt reduction.

• Issuer – Bank of America
• Payment Gateway – Visa
• Annual Fee – $0
• Credit Score – Good to Excellent
• Intro APR – 0% intro APR for 18 billing cycles on purchases and balance transfers
• Regular APR – 16.24%-26.24% Variable APR
• Balance Transfer APR – 0% for 18 billing cycles, after that, a regular APR of 16.24%-26.24%
• Cash Advance Fee – 5% or $10, whichever is greater
• Sign-up Bonus – N/A
• International Transaction Fee – 3%
• Best For – Balance Carriers, General Consumers

U.S. Bank Balance Transfer Credit Card

U.S. Bank is differentiated by low balance transfer fees and long 0% APR offers. Their credit cards feature free credit score tracking and security tools.

Contactless payments provide speedy and secure transactions. A good choice for frugal borrowers. Best for those who require more time to repay debt.

1. U.S. Bank Shield™ Visa® Card

Best for identity protection and fraud prevention. This card provides enhanced security features and fraud monitoring, making it ideal for those prioritizing financial security.

• Issuer – U.S. Bank
• Payment Gateway – Visa
• Annual Fee – $0
• Credit Score – Good to Excellent
• Intro APR – 0% intro APR for first 24 billing cycles for purchases and balance transfers
• Regular APR – 17.74% – 28.74% Variable
• Balance Transfer APR – 0% for the first 24 billing cycles; after that, a regular APR. Balance Transfers must be initiated within 60 days of account opening.
• Cash Advance Fee – 5% or $10, whichever is minimum
• Sign-up Bonus – N/A
• International Transaction Fee – 3%
• Best For – Balance Carriers, Frequent Travelers

2. U.S. Bank Cash+® Visa Signature® Card

Best for custom cash back. Earn 5% cash back in two chosen categories (up to $2,000 per quarter), 2% on another category (groceries, gas, or dining), and 1% on all other purchases. Perfect for those who want personalized rewards.

• Issuer – U.S. Bank
• Payment Gateway – Visa
• Annual Fee – No Annual Fee
• Credit Score – Good to Excellent
• Intro APR – 0% intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR applies.
• Regular APR – 13.99% to 23.99% Variable APR
• Balance Transfer APR – 0% for the first 15 billing cycles, after that, a regular APR of 13.99% to 23.99% Variable 
• Cash Advance Fee – Either $10 or 4% of the amount of each cash advance, whichever is greater
• Sign-up Bonus – $200 bonus after spending $1,000 in eligible purchases within the first 90 days of account opening.
• International Transaction Fee – 3% Foreign Transaction Fee
• Best For – Professionals

3. U.S. Bank Altitude® Go Visa Signature® Card

Great for dining and travel rewards. Earn 4X points on dining, 2X on grocery stores, gas, and streaming services, and 1X on everything else. It also offers a $15 annual streaming credit.

• Issuer – U.S. Bank
• Payment Gateway – Visa
• Annual Fee – No Annual Fee
• Credit Score – Good to Excellent
• Intro APR – 0% intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies.
• Regular APR – 14.99% to 23.99% Variable APR
• Balance Transfer APR – 0% for the first 12 billing cycles, after that, a regular APR of 14.99% to 23.99% Variable 
• Cash Advance Fee – Either $10 or 5% of the amount of each cash advance, whichever is greater
• Sign-up Bonus – 20,000 bonus points after spending $1,000 in eligible purchases within the first 90 days of account opening.
• International Transaction Fee – No Foreign Transaction Fees
• Best For – Individuals Seeking Dining Rewards

Wells Fargo Balance Transfer Credit Cards

Wells Fargo has 0% APR balance transfer cards with cashback and travel rewards. Most have no annual fees, which contribute to savings.

Their financial tools assist with budgeting and spending information. Fraud protection keeps accounts safe. Excellent for saving on interest and rewards.

1. Wells Fargo Reflect® Card

Best for balance transfers and long interest-free periods. It offers a 0% intro APR for up to 21 months, one of the longest in the market, making it ideal for consolidating debt.

• Issuer – Wells Fargo
• Payment Gateway – Visa
• Annual Fee – None
• Credit Score – N/A
• Intro APR – 0% intro APR for 21 months on purchases and qualifying balance transfers; extension up to 3 months with on-time minimum payments during the intro period.
• Regular APR – 17.24% to 29.24% variable
• Balance Transfer APR – 0% for 21 months, extension up to 3 months with on-time minimum payments during the intro period. After that, it is the same as purchasing APR.
• Cash Advance Fee – 5% of the amount of each advance, $10 minimum
• Sign-up Bonus – N/A
• International Transaction Fee – 3% of each transaction in U.S. dollars
• Best For – General Consumers

2. Wells Fargo Active Cash® Card

Perfect for unlimited 2% cash back on all purchases with no categories to track. This straightforward cash-back card is best for users who want simple, high rewards on every purchase.

• Issuer – Wells Fargo
• Payment Gateway – Visa
• Annual Fee – 0
• Credit Score – Good to Excellent
• Intro APR – 0% Intro APR for 15 months from account opening on purchases and qualifying balance transfers. After that, a variable APR applies.
• Regular APR – 19.24% to 29.24% Variable APR
• Balance Transfer APR – 0% for 15 months; after that, a variable APR applies of 19.24% to 29.24% 
• Cash Advance Fee – Either $10 or 5% of the amount of each cash advance, whichever is greater
• Sign-up Bonus – $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months.
• International Transaction Fee – 3% of each transaction converted to U.S. dollars
• Best For – Individuals Seeking Cash Back
  General Consumer

What is a balance transfer credit card?

A balance transfer credit card permits customers to transfer outstanding debt from one or several credit cards to a new card with a lower interest rate. Certain cards have a 0% APR promotion period, ranging from 6 to 24 months, in which customers can pay off their balance without accumulating interest.

However, most balance transfer credit cards will incur a transfer fee, usually 3% to 5% of the amount transferred. For instance, if you’re transferring $5,000 with a 3% fee, you’d pay an additional $150.

Once the promotional time has expired, the unpaid portion becomes charged the normal rate of the new card, which is as much as 20% or higher. If the balance isn’t paid in full by the end of this time, the consumer can be charged high interest rates.

Key Features

• Lower or 0% introductory APR for an initial period. 
• There are balance transfer fees charged (except if waived by the issuer). 
• Standard interest rates take over after the promotional period.
• Credit approval is based on credit score and issuer needs. 

What is a Low-Interest Credit Card?

A low-interest credit card carries a permanently lower Annual Percentage Rate (APR) than regular credit cards. Unlike balance transfer cards, these cards do not carry a promotional period. Rather, they provide lower interest rates consistently, typically between 10% and 15% APR, as opposed to 18% to 25% on regular cards.

These cards are suitable for individuals who carry a balance frequently and want to reduce interest charges over the long term. They are also helpful for making large purchases, as the lower interest rate makes repayment more manageable.

Key Features

• Consistently lower APR for purchases and balances. 
• Mo balance transfer requirement to get a lower rate. 
• Good for long-term financing needs rather than short-term balance repayment. 

How do balance transfer promotions work?

Here’s how it works:

How can a balance transfer help lower my interest payments?

A balance transfer reduces interest payments by transferring high-interest credit card balances to a new credit card with a 0% or low APR introductory promotion.

This is how it works:

To get the most savings, pay off the transferred balance during the promotional period, since any leftover amount will be charged the card’s standard APR.

Advantages of Balance Transfer Credit Cards with Low Interest

Balance Transfer and low-interest credit cards both assist in lowering interest charges and paying off debt more efficiently.

Their major advantages are as follows:

Factors to Consider While Selecting a Balance Transfer Credit Card with Low-Interest Rate

Prior to applying for a balance transfer or low-interest card, keep the following in mind:

Conclusion

Balance transfers and low-interest credit cards are useful instruments to minimize interest expenses and efficiently pay off debt. A balance transfer card has a short-term 0% APR, while a low-interest card has a continuously lower APR over the long run. If used responsibly, these credit cards will enable individuals to become debt-free sooner and become more financially stable.

FAQs

What should I look for in a low-interest credit card?

When selecting a low-interest credit card, keep the following in mind:

1. Ongoing APR: Opt for a card that has a persistently low purchase and balance transfer APR (usually below 15%).
2. Annual Fees: A few low-interest cards have an annual fee, so make sure the cost isn’t greater than the savings.
3. Introductory Offers: A few cards offer a short 0% APR before reverting to a low regular rate.
4. Rewards & Benefits: A few low-interest cards provide cashback, travel benefits, or other rewards.

Are balance transfer cards suitable for bad credit?

Balance transfer cards usually demand good to great credit (670+ FICO score). If you have poor credit (less than 580), it will be challenging to qualify.

Nevertheless, alternatives include:

• Secured credit cards with balance transfer options.
• Credit union cards have more forgiving approval standards.
• Credit improvement prior to applying for a balance transfer card.

What fees are associated with balance transfer cards?

Balance transfer cards have a number of possible fees:

• Balance Transfer Fee: Typically, 3% to 5% of the amount transferred (e.g., transferring $5,000 with a 3% fee costs $150).
• Annual Fee: Some cards have an annual fee of $50-$100, but many have no annual fee.
• Late Fee Charges: Failing to make a payment incurs $25-$40 charges and potentially the loss of the 0% APR benefit.
• Foreign Transaction Charges: If used overseas, there might be a 1-3% transaction charge levied.

Read the terms and conditions to know the charges before applying.

Is 24% interest high for a credit card?

Yes, 24% APR is high on a credit card. Most common credit cards will have an 18% to 25% interest rate, but:

• Low-interest credit cards usually carry interest rates of between 10% and 15% APR.
• Reward credit cards usually come with higher APRs (20+%), so you pay dearly if you don’t pay it off. 
• Retail store cards usually come with 25-30% APRs and are expensive.

If you carry a high interest rate, take out a balance transfer card to lower interest charges.

Is a 0% interest credit card good?

Yes, a 0% interest credit card is good if used wisely. It benefits by:

1. Lowering interest charges for a specified time (typically 6-24 months).
2. Enabling quicker debt elimination by putting all payments toward the principal amount.
3. Funding big-ticket purchases without building up interest.

But be sure to:

1. Pay off the balance before the end of the 0% APR to prevent interest charges.
2. Compare balance transfer fees before transferring debt.
3. Use the card responsibly and refrain from wasteful spending.

A 0% interest credit card is perfect for consolidating debt or making large purchases without interest.