The Best Credit Card for Balance Transfer and Rewards in 2025

Estimated reading time: 6 minutes

Looking to tackle existing credit card debt while still earning rewards on new purchases? You’re not alone. In 2025, consumers are increasingly searching for that perfect balance between paying down debt interest-free and maximizing rewards.

The good news? Several card issuers now offer products that excel at both.

Let’s dive into this year’s standout credit cards that offer both attractive balance transfer terms and compelling rewards structures…

Key Takeaways

• The Citi Double Cash® Card offers the best balance of 18-month 0% APR on balance transfers with 2% flat-rate rewards
• Cards with the longest balance transfer periods (21 months) typically offer no rewards program
• Most balance transfer cards charge a 3-5% transfer fee, which should be factored into your calculations
• The Chase Freedom Unlimited® provides a 15-month 0% period with tiered rewards up to 5% in select categories
• Creating a specific debt payoff plan is essential to eliminate your balance before the promotional period ends

because why should you have to choose between tackling your debt and earning rewards?

Top Balance Transfer Cards with Rewards: Finding Your Perfect Match

The ideal balance transfer reward card depends largely on your financial priorities.

Are you focused primarily on having the longest possible interest-free period to pay down existing debt?

Or are ongoing rewards for everyday purchases your main concern? The best cards offer a combination of both features, though they typically excel more in one area than the other.

Let’s examine the top contenders for 2025:

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