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Best Balance Transfer Cards August 2025

Pay down debt faster and save on interest. We compare cards with the longest 0% intro APR periods.

Updated July 18, 2025

Our Recommendations

1
Consumer's BestTrophy Image
Company Logo
9.2
Excellent

Great perks, strong offers.

  • Good intro APR periods.
  • Excellent rewards on purchases.
  • Trusted customer service.
2
Company Logo
8.8
Very Good

Long intro periods, simple rewards.

  • Consistently long 0% offers.
  • No annual fee always.
  • Helpful customer support.
3
Company Logo
6.8
Average

Good for average credit.

  • Options for fair credit.
  • No foreign transaction fees.
  • Clear digital banking tools.
4
Wells Fargo
4.5
Poor

For existing bank customers.

  • Potential relationship benefits.
  • Check offers carefully.
  • Standard card features.

Compare Our Top 2 Picks

American Express stands out as our 'Consumer's Best' choice for its excellent blend of strong balance transfer offers and valuable ongoing perks. See how it compares to Discover's famously long intro periods.

Features

American Express logo
Discover logo
9.2
8.8
Intro 0% APR Period12-15 Months15-18 Months
Balance Transfer Fee3% or 5%3% intro, then 5%
Regular APR (Variable)18.24% - 29.24%17.24% - 28.24%
Annual Fee$0 on some cards$0
Rewards on New Purchases?Yes (Points or Cash Back)Yes (Cash Back)

Our Top Pick

1
Consumer's BestTrophy Image
Company Logo
9.2
Excellent

Great perks, strong offers.

  • Good intro APR periods.
  • Excellent rewards on purchases.
  • Trusted customer service.

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The use of brand names and/or any mention or listing of specific commercial products or services herein is solely for educational purposes and does not imply endorsement by OLM Inc (DBA Consumer's Best) or our partners, nor discrimination against similar brands, products or services not mentioned.

Advertising Disclosure: OLM Inc (DBA Consumer's Best) is a free online resource that operates an advertising-supported comparison service. We may receive monetary compensation when a sponsored product or service is displayed on our site or when you click on certain links contained herein. Such compensation, together with our ranking process which uses advanced AI to analyze public data and the geographic availability of a product, can influence the placement, prominence, and order in which products appear within our listings. Although we endeavor to present a broad spectrum of financial and credit-related offerings, Consumer's Best does not purport to include every product or service available in the marketplace. All products are presented without warranty. When evaluating offers, please review the financial institution's Terms and Conditions. The information, including pricing, that appears on this site is subject to change at any time.

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