All 0% APR Balance Transfer Cards, Ranked by Intro Period
Updated 30 March 2026
Every currently available 0% APR balance transfer card organized by intro period length. Three cards tie at 21 months. One card charges zero transfer fee. Two cards earn rewards while you pay off debt.
21 Months at 0% APR
Citi Simplicity
21 MonthsTransfer Fee
3%
Post-Intro APR
18.49% - 29.24%
0% on Purchases
21 months 0%
Rewards
None
No late fee ever, no penalty APR. The safest card if you might miss a payment.
Wells Fargo Reflect
21 MonthsTransfer Fee
3%
Post-Intro APR
17.49% - 29.24%
0% on Purchases
21 months 0%
Rewards
None
Extendable to 24 months with on-time payments. Cell phone protection included.
BankAmericard
21 MonthsTransfer Fee
3%
Post-Intro APR
16.49% - 26.49%
0% on Purchases
21 months 0%
Rewards
None
Lowest post-intro APR floor at 16.49%. Best card if you might carry a balance after intro.
20 Months at 0% APR
US Bank Visa Platinum
20 MonthsTransfer Fee
3%
Post-Intro APR
18.49% - 29.24%
0% on Purchases
20 months 0%
Rewards
None
Cell phone protection up to $600 per claim. One month shorter than top tier.
18 Months at 0% APR
Citi Double Cash
18 MonthsTransfer Fee
3%
Post-Intro APR
18.49% - 28.49%
0% on Purchases
18 months 0%
Rewards
2% cash back (1% on purchase, 1% on payment)
Best rewards-earning balance transfer card. Earn 2% while paying off your debt.
Discover it Balance Transfer
18 MonthsTransfer Fee
3%
Post-Intro APR
17.49% - 28.24%
0% on Purchases
6 months 0%
Rewards
5% rotating categories, 1% on everything else
First-year cashback match doubles all rewards earned. More flexible credit requirements.
15 Months at 0% APR
Chase Slate Edge
15 MonthsTransfer Fee
0% (first 60 days)
Post-Intro APR
21.49% - 29.74%
0% on Purchases
15 months 0%
Rewards
None
Only card with $0 transfer fee. Saves $300 on a $10,000 transfer. Must act within 60 days.
Amex EveryDay
15 MonthsTransfer Fee
3%
Post-Intro APR
17.49% - 28.49%
0% on Purchases
15 months 0%
Rewards
1x points on purchases, 2x at grocery stores
Membership Rewards points. Good if you want to start earning Amex points while transferring.
Which Intro Period Do You Need?
Choose 21 Months If:
- •Your balance is over $8,000 and you need smaller monthly payments
- •You want the maximum safety margin to pay off without interest
- •Your monthly budget is tight and you cannot commit to $500+ payments
- •You are okay paying a 3% transfer fee for the extra 6 months of breathing room
Choose 15 Months If:
- •Your balance is under $8,000 and you can afford $534+/month payments
- •You want to save the 3% transfer fee entirely (Chase Slate Edge)
- •On a $10,000 balance, the $0 fee saves $300 vs Citi Simplicity
- •You are disciplined about payments and want the most cost-effective option
Can You Earn Rewards While Paying Off a Transfer?
Two cards offer both 0% APR on transfers and rewards on new purchases. However, there is an important caveat.
Citi Double Cash: 2% Back
18 months at 0% on transfers. Earn 1% when you buy, 1% when you pay. The strongest flat-rate rewards of any balance transfer card.
Caveat: payments apply to the lowest-APR balance first. Since your transfer is at 0%, payments will go toward the transfer, not new purchases. New purchases made after the intro period may start accruing interest at the regular APR while your payment is still clearing the 0% transfer balance.
Discover it: 5% Rotating Categories
18 months at 0% on transfers. 5% back in quarterly categories (grocery, Amazon, restaurants rotate), 1% on everything else. First-year cashback match doubles all rewards.
Caveat: same payment allocation issue applies. Best strategy: use this card only for the balance transfer, and use a different card for new purchases until the transfer is fully paid off.
Recommendation: Do not make new purchases on your balance transfer card. Use a separate card for daily spending. This avoids the payment allocation issue and keeps your payoff plan on track.
Why Post-Intro APR Matters More Than You Think
If there is any chance you will not fully pay off during the intro period, the regular APR after the promotion ends becomes the most important number.
| Card | Intro Period | Post-Intro APR Floor | Post-Intro APR Ceiling |
|---|---|---|---|
| BankAmericard | 21 months | 16.49% | 26.49% |
| Wells Fargo Reflect | 21 months | 17.49% | 29.24% |
| Citi Double Cash | 18 months | 18.49% | 28.49% |
| Citi Simplicity | 21 months | 18.49% | 29.24% |
| US Bank Visa Platinum | 20 months | 18.49% | 29.24% |
| Chase Slate Edge | 15 months | 21.49% | 29.74% |
BankAmericard has the lowest post-intro APR floor at 16.49%, which is 5 percentage points lower than Chase Slate Edge. On a $5,000 remaining balance, that difference costs $250 per year in extra interest. If you might carry a balance past the intro period, BankAmericard is the safest choice.