Always verify transfer window and terms with the issuer before applying.
Citi Double Cash – 2% cash back after the promo
Good for transfers when there is a 0% window; then it becomes a straightforward 2% cash back card (1% when you buy and 1% when you pay). Transfer fees usually apply; verify the current promo length.
Chase Freedom Unlimited – flexible cash back and strong ecosystem
Combines an intro transfer promo with solid everyday rewards. Earn 1.5% on most purchases, 3% on dining and drugstores, and 5% on travel booked through Chase.
Bank of America Customized Cash – choose your category
Lets you choose a 3% cash back category (gas, online shopping, dining, travel, drug stores or home improvements). Earn 2% at grocery stores and wholesale clubs, and 1% everywhere else.
A flat-rate 2% cash rewards card with a 0% intro APR period for qualifying transfers. Perfect if you dislike tracking categories and want one card to keep after paying off balances.
Prioritizes a long 0% intro period on balance transfers and purchases. There are no ongoing rewards; its purpose is to give you breathing room to pay down debt.
Offers one of the longest intro periods for balance transfers but no cash back. Use it strictly as a 0% tool, then move to a rewards card once your balance is paid.
No annual fee and claims no late fees or penalty rates. Ideal for people who need a long 0% intro to pay off a balance and want a straightforward card with minimal fuss.
0% intro length on balance transfers and the deadline to start the transfer.
Transfer fee structure and any increases after the first months.
Ongoing rewards and total cost of ownership, including annual fee.
Issuer reliability, account tools and customer support.
Frequently Asked Questions
How long are 0% intro APR periods for balance transfers?
The page notes that promo lengths vary by card and change over time, generally ranging about 15–21 months—always verify the current term on the issuer’s site before you apply.
What balance transfer fees should I expect?
Most featured cards charge a transfer fee, typically 3% to 5% of the amount moved. Check whether the fee changes after an initial window and confirm exact terms on the issuer page.
Which cards are best if I want ongoing rewards after the promo?
Options like straightforward cash-back cards can pair a 0% transfer window with everyday earning, while “long 0%” tools often skip rewards. Choose based on whether you value rewards after paying off debt.
What if I just need the longest 0% period and don’t care about rewards?
The list includes cards designed to prioritize a long 0% intro window with little or no ongoing rewards—use them as a payoff tool, then consider a rewards card once the balance is cleared.
How do I plan payments to be debt-free before the promo ends?
Divide your transferred balance by the number of promo months, set automatic payments for that amount or more, and avoid new debt on the card to reach $0 before the standard APR resumes.
Is there a deadline to complete the transfer after approval?
Many cards require you to initiate transfers within a set window to qualify for the promo. Check the card’s terms for the transfer deadline and any differences between purchases and transfers.
What’s a simple strategy to pick between the cards on this list?
If your top goal is time to pay, start with the longest 0% options; if you want a keeper card afterward, weigh flat-rate or category rewards. Confirm fees, deadlines, and terms on each issuer page.
Terms and features vary by issuer/program; always review current details.
