If you’re carrying credit card debt, you know how challenging it can be to pay down. While you can tighten up your finances, adjust your budget and make larger monthly payments, doing so will still cost you an arm and a leg in interest. That’s why the best option for those working to pay off debt is a balance transfer credit card. These cards offer long 0% intro APRs — one offers 21 months of no interest! — that allow you to pay off your balance completely interest free! Although you usually have to pay a balance transfer fee of 3% to 5% of the transfer, depending on the card, this one-time fee is nothing when it’s compared to your current credit card interest, meaning you’ll still come out money-ahead. What’s more, all of the cards detailed below have no annual fee! Keep reading to see our list of the best balance transfer credit cards.


Longest 0% intro APR: Citi Simplicity Card – No Late Fees Ever

  • 21-month 0% intro APR on balance transfers
  • 5% balance transfer fee ($5 minimum)
  • 12-month 0% intro APR on purchases
  • No late fees
  • No penalty APR
  • Free access to your FICO Score 
  • Set up your own bill payment schedule on any available due date in the beginning, middle or end of the month

Credit required: Good to excellent credit (usually considered a credit score of 700 or higher)

Why we like it: The Citi Simplicity Card’s (a NextAdvisor advertiser) 21-month 0% intro APR on balance transfers is hard to beat (it’s the longest 0% intro APR we’ve seen). It comes with a higher balance transfer fee of 5% ($5 minimum), but we think the fee is worth paying when you consider you get almost 2 years of no interest!


Best for purchases and transfers: Wells Fargo Platinum Visa Card

  • 18-month 0% intro APR on balance transfers made in the first 120 days
  • 3% intro balance transfer fee for 120 days, then it’s 5%
  • 18-month 0% intro APR on purchases 
  • Mobile protection of up to $600 against covered damage and theft when you use the card to pay your phone bill (details below)
  • Access to online tools that help you manage your budget and spending

Credit required: Good to excellent credit (usually considered a credit score of 700 or higher)

Why we like it: The Wells Fargo Platinum Visa Card offers the perfect combination of 0% intro APR on purchases and balance transfers. Cardholders must complete any balance transfers within the first 120 days to get the 18-month 0% intro APR and the 3% balance transfer fee, but if you initiate the transfer when you apply for the card, that’s no problem. What’s more, cardholders who use their Wells Fargo Platinum Visa Card to pay their monthly cell phone bill will get up to $600 protection against covered damage and theft ($25 deductible per claim and a max of 2 claims per year). Click “Show Details” to learn more.


Best long term for average to excellent credit: Discover it Cash Back

  • 14-month 0% intro APR on balance transfers  — then it’s 14.24% to 25.24% variable
  • 3% balance transfer fee
  • 14-month 0% intro APR on purchases — then it’s 14.24% to 25.24% variable
  • 5% back on rotating categories each quarter you activate (up to $1,500 in purchases, then it’s 1% back)
  • Matches your cash back at end of first year

Credit required: Average to excellent credit (usually considered a credit score of 670 or higher)

Why we like it: Discover it Cash Back allows you to earn cash back while you pay down your balance, as it earns 5% cash back on rotating categories each quarter you activate (up to $1,500 on purchases per quarter, then it’s 1%) as well as 1% cash back on all other purchases. On top of that, Discover will match all of the cash back you earn at the end of your first year, meaning if you earn $200 back, Discover will match that $200 to give you a total of $400 back. Click “Show Details” to get the scoop on this card.


Best long term for good to excellent credit: Wells Fargo Cash Wise Visa Card

  • 12-month 0% intro APR on balance transfers
  • 3% intro balance transfer fee for 120 days, then it’s 5%
  • 12-month 0% intro APR on purchases
  • Unlimited 1.5% cash back on all purchases
  • $200 bonus when you spend $1,000 on purchases in the first 3 months
  • Mobile protection of up to $600 against covered damage and theft when you use the card to pay your phone bill (details below)

Credit required: Good to excellent credit (usually considered a credit score of 700 or higher)

Why we like it: The Wells Fargo Cash Wise Visa Card earns an unlimited 1.5% cash back on all purchases, which means it’s a card you’ll want to keep in your wallet long after the 0% intro APR expires. Additionally, cardholders who spend $1,000 on purchases in the first 3 months will earn a $200 bonus — you can redeem that bonus as a statement credit to pay your balance! This card also comes with up to $600 protection against covered damage and theft ($25 deductible per claim and a max of 2 claims per year) for cardholders who pay their monthly cell phone bill with the Wells Fargo Cash Wise Visa Card. Click “Show Details” to learn more.


Not finding a card that’s right for you? Visit our balance transfer credit card reviews to find the best option for your needs and spending habits.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.