Maximizing Savings in 2025: Top Balance Transfer Credit Cards with 0% APR Periods

Credit card interest rates have reached an all-time high, with the average interest rate exceeding 21%, making it crucial to find a balance transfer credit card that can help you pay down your debt. Here are the top picks for 2025 based on their introductory 0% APR periods, rewards, and fees:

• Annual fee: $0
• Welcome offer: Earn a $200 bonus after spending $500 in your first 3 months
• Introductory Balance Transfer APR: 0% Intro APR on Balance Transfers for 15 months
• Ongoing Balance Transfer APR: 18.99% - 28.49% Variable
• Rewards rate: 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, 1.5% on all other purchases
• Why we like it: The Chase Freedom Unlimited offers a competitive introductory 0% APR period on both balance transfers and new purchases, allowing you to pay down your debt without interest for 15 months. After the intro period ends, you’ll earn 5% cash back on travel purchases, 3% back on dining and drugstore purchases, and 1.5% back on everything else.

2. Blue Cash Everyday® Card from American Express:

   

   • Annual fee: $0
   • Welcome offer: Earn a $200 statement credit after spending $2,000 within the first 6 months
   • Introductory Balance Transfer APR: 0% on balance transfers for 15 months
   • Ongoing Balance Transfer APR: 20.24%-29.24% Variable
   • Rewards rate: 3% cash back at U.S. supermarkets (up to $6,000 per year in purchases), 3% cash back on U.S. online retail purchases (up to $6,000 per year), 3% cash back at U.S. gas stations (up to $6,000 per year), 1% cash back on all other purchases
   • Why we like it: The Blue Cash Everyday from American Express is a great choice for those looking to pay down existing credit card debt. The card’s introductory 0% APR on balance transfers lasts for 15 months, with a variable APR of 20.24% to 29.24% thereafter. You’ll earn 3% cash back at U.S. supermarkets, gas stations, and online retail purchases, each up to $6,000 spent per year, then 1% back.

3. Citi Double Cash® Card:

   

   Annual fee: $0