My picks

1. Citi Simplicity — Best overall for getting out of debt
It combines an 18-month 0% introductory period with a relatively low introductory balance-transfer fee. NerdWallet named it its 2026 Best Balance Transfer Credit Card.

2. Citi Diamond Preferred — Best for a very long transfer period
It offers 21 months at 0% on balance transfers, with a 3% introductory transfer fee during the specified introductory window.

3. BankAmericard — Best for long 0% financing
It offers one of the longest introductory periods for both balance transfers and purchases, although its transfer fee is relatively high at 5%.

4. Citi Double Cash — Best if you want rewards afterward
It combines an 18-month 0% balance-transfer period with 2% cash back on purchases (1% when buying and 1% when paying).

Example

Suppose you have $10,000 on an existing credit card at 25% APR.

If you transfer it to a card with 0% APR for 18 months and a 3% transfer fee:

• Debt transferred: $10,000
• Transfer fee: $300
• Total: $10,300
• To finish within 18 months: about $572/month
• Interest during promotional period: $0, assuming the promotional terms are followed.

A balance transfer can therefore save substantial interest, but you need a repayment plan before the promotional period ends.

Important: You generally cannot transfer a balance between cards from the same issuer, and balance-transfer fees still apply even when the APR is 0%.

If you tell me whether you're trying to transfer $5,000, $10,000, $20,000, or $30,000, I can calculate the exact monthly payment needed for the best 0% balance-transfer cards.

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