{"id":280796,"date":"2026-10-09T14:00:07","date_gmt":"2026-10-09T14:00:07","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=280796\/"},"modified":"2026-10-09T13:45:21","modified_gmt":"2026-10-09T13:45:21","slug":"best-0-intro-apr-credit-cards-for-balance-transfers","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/best-intro-balance-transfer-cards\/","title":{"rendered":"Best 0% Intro APR Credit Cards for Balance Transfers"},"content":{"rendered":"

Paying interest on a credit card balance? A 0% introductory annual percentage rate (APR) offer could give you time to pay it down without adding interest to the amount you transfer. The key is finding a card with a transfer fee and repayment window that work for you.<\/p>\n

Start with the offers below. Compare the cost, check that your balance is eligible, and choose a repayment timeline you can manage.<\/p>\n\n\n\n\n\t\n\n\t\n\t\n\t\n\t\n\t\n\t
Card<\/th>0% Intro APR on Balance Transfers<\/th>Regular APR<\/th>Transfer Fee <\/th>Annual Fee<\/th>\n<\/tr>\n<\/thead>\n
Citi Double Cash\u00ae<\/sup> Card<\/a> (Rates & Fees<\/a>)<\/td>18 months (transfers must be completed in first 4 months)<\/td>18.49% - 28.74% (Variable) APR<\/td>There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5)<\/td>$0<\/td>\n<\/tr>\n
Bank of America\u00ae<\/sup> Customized Cash Rewards credit card<\/a><\/td>for 15 billing cycles for any balance transfers made in the first 60 days<\/td>17.74% - 27.74% Variable APR on purchases and balance transfers<\/td>3% for 60 days from account opening, then 5%<\/td>$0<\/td>\n<\/tr>\n
Capital One VentureOne Rewards Credit Card<\/a><\/td>15 months from account opening<\/td>18.74% - 28.74%
\nVariable APR<\/td>		Balance transfer fee applies<\/td>$0<\/td>\n<\/tr>\n
Blue Cash Everyday\u00ae<\/sup> Card from American Express<\/a><\/td>15 months (on balance transfers requested within 60 days of account opening) - Terms Apply<\/td>19.74% - 28.74% Variable APR<\/td>either $5 or 3% of the amount of each transfer, whichever is greater.<\/td>$0<\/td>\n<\/tr>\n
Wells Fargo Reflect\u00ae<\/sup> Card<\/a>
(Rates & Fees<\/a>)<\/td>		21 months from account opening on qualifying balance transfers (for transactions made within 120 days of opening account)<\/td>17.74%, 24.24%, or 28.49%
\nVariable APR<\/td>		5%, min: $5<\/td>$0<\/td>\n<\/tr>\n
Chase Freedom Unlimited\u00ae<\/sup><\/a>
(Rates & Fees<\/a>)<\/td>		15 months - (first 15 months your account is open, not 15 months from time of transfer)<\/td>18.24% - 27.74% Variable APR<\/td>Balance Transfer Fee: 3% of the amount of each transfer made within 60 days of account opening. After that, 5% of the amount of each transfer. In each case, a minimum fee of $5 applies.<\/td>$0<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n

Before you choose:<\/strong> Note that you generally can\u2019t transfer a balance between cards from the same issuer. If you\u2019re paying interest on a Citi card, for example, only consider offers from another bank.<\/p>\n

How to narrow the list:<\/strong> Compare the transfer fee with how much time you need to repay. For example, the Citi Double Cash<\/a> combines a lower introductory transfer fee with an 18-month window. Wells Fargo Reflect<\/a> gives you longer to repay, but charges a higher transfer fee.<\/p>\n

Citi Double Cash: A Lower Transfer Fee With More Time to Repay<\/span><\/h2>\n

The Citi Double Cash<\/a> (Rates & Fees<\/a>) offers a 0% intro APR on Balance Transfers for 18 months, then a variable rate of 18.49% - 28.74% - There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).<\/p>\n

For a $5,000 transfer completed during the introductory fee window, the fee is $150. That's $100 less than a card charging a 5% balance transfer fee.<\/p>\n

Keep in mind:<\/strong> This introductory APR offer does not apply to purchases, and carrying a transferred balance can mean paying interest on new purchases. Save the card\u2019s cash-back benefits for after you\u2019ve paid off the transfer.<\/p>\n

\n
\n
\n
Citi Double Cash\u00ae<\/sup> Card<\/div>\n
\"Citi<\/div>\n
Apply Now<\/a><\/div>\n
Rates & Fees<\/a><\/span><\/div>\n
Welcome Offer<\/strong>\r\nEarn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou\u00ae<\/sup> Points, which can be redeemed for $200 cash back. <\/div>\n <\/div>\n
\n Citi Double Cash\u00ae<\/sup> Card<\/strong>\n
Welcome Offer<\/strong>\r\nEarn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou\u00ae<\/sup> Points, which can be redeemed for $200 cash back. <\/div>\n
Annual Fee:<\/strong>$0<\/b><\/div>\n
Show more<\/a>Why We Like It<\/a>Highlights<\/a>Earning Rates<\/a>
The Citi Double Cash is a dynamic, no-annual-fee cash-back rewards card that allows you to earn 2% traditional cash back, or convert your rewards to ThankYou Rewards points at a 1:1 ratio (2x ThankYou points per $1). When paired with a premium ThankYou Rewards earning card, the Citi Double Cash is now the best card available for everyday, non-bonus purchases.\r\n
\r\n
\r\nIf you're looking to pay down debt or finance a larger purchase, this card also comes with one of the best available introductory APR offers on balance transfers.<\/div>