Best Balance Transfer Credit Cards of 2025

‍Introduction: Managing high-interest debt can be challenging. Balance transfer credit cards offer a solution by allowing you to transfer existing balances to a new card with a 0% APR promotional period. Here are some top picks for 2025.

1. Citi Simplicity® Card

• Intro APR: 0% on balance transfers for 21 months; 0% on purchases for 12 months.
• Regular APR: 18.24% - 28.99% variable.
• Annual Fee: $0.
• Benefits: No late fees, no penalty rate, and a lengthy balance transfer period.

2. Wells Fargo Reflect® Card

• Intro APR: 0% on purchases and qualifying balance transfers for 21 months.
• Regular APR: 17.24%, 23.74%, or 28.99% variable.
• Annual Fee: $0.
• Benefits: Extended intro APR period, making it ideal for large purchases or consolidating debt.

3. U.S. Bank Visa® Platinum Card

• Intro APR: 0% on purchases and balance transfers for 21 billing cycles.
• Regular APR: 17.74% - 28.74% variable.
• Annual Fee: $0.
• Benefits: Cell phone protection and no annual fee.

Conclusion: Balance transfer cards can be a strategic tool to manage debt. Ensure you understand the terms, including any balance transfer fees, and have a plan to pay off the balance before the introductory period ends.

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