Best 0% APR & Balance Transfer Credit Cards

Updated August 20, 2025

At Pointalize, we believe the right credit card can unlock smarter spending and bigger rewards.

That’s why we provide clear, independent guides and comparisons to help you make informed decisions.

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At Pointalize, we simplify the process by highlighting cards that deliver the strongest rewards, biggest bonuses, and best value for everyday spending. Whether you’re just starting out or looking to maximize premium benefits, our curated picks are designed to help you find the perfect fit for your wallet.

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Chase Freedom Unlimited®

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - Cashback

5% Travel via Chase Travel℠
3% Dining & drugstores
1.5% All other purchases

$150 Savings

Estimated savings over 24 months based on a $2,500 transfer at 15% APR.

Includes balance transfer fee and intro APR period. Equal payments assumed.

Intro offer: Earn a $200 bonus after you spend $500 on purchases in the first 3 months.

Annual fee: $0

Regular APR: 18.99 – 28.99 Variable APR

Recommended credit: 690–850 (Good to Excellent)

Travel Perks: None

Visit issuer’s site directly See Rates & Fees

Pros

High base rate: 1.5% cash back on every purchase makes it easy to earn consistently without worrying about categories./drugstores
Bonus multipliers: 3% cash back on dining and drugstores, plus 5% on travel purchased through Chase Travel℠, make it versatile for everyday and travel spending.
Flexible redemption options: Rewards can be cashed out or transferred to premium Chase cards (like Sapphire Preferred or Reserve) for higher value through Chase Ultimate Rewards®.
No annual fee, making it a long-term keeper card.

Cons

Requires pairing: To unlock the best value (like travel transfers), you need a Chase Sapphire card – otherwise, it’s mostly just cash back.
Foreign transaction fees, which reduce its usefulness abroad.
Rewards categories can feel overlapping/confusing for beginners compared to flat-rate cards.

Pointalize Final Thoughts

The Chase Freedom Unlimited® is one of the most versatile starter and keeper cards on the market. With solid rewards across daily spending categories and the ability to scale up when paired with a Chase Sapphire card, it offers both simplicity and long-term growth potential. On its own, it’s a strong no-annual-fee cashback card; combined with Chase’s travel ecosystem, it becomes a gateway to premium redemptions and outsized value. For anyone serious about building a Chase Ultimate Rewards® strategy, this card is almost a must-have.

Read the full review (Coming Soon)

Citi Simplicity® Card

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - None

$275 Savings

Estimated savings over 24 months based on a $2,500 transfer at 15% APR.

Includes balance transfer fee and intro APR period. Equal payments assumed.

Intro offer: Long 0% intro APR on purchases and balance transfers (offer varies)

Annual fee: $0

Regular APR: Variable APR after intro period

Recommended credit: 660–780 (Fair to Good)

Travel Perks: None

Visit issuer’s site directly See Rates & Fees

Pros

Longest 0% intro APR on balance transfers among major cards, making it excellent for debt consolidation.
No late fees, no penalty APR, and no annual fee – a unique triple combination that provides strong peace of mind.
Straightforward design: Simple, transparent terms with no hidden penalty charges.

Cons

No rewards program – you won’t earn points, miles, or cashback on purchases.
Balance transfer fee (5%, $5 minimum) adds to upfront cost when moving debt.
Limited ongoing value once the intro APR period ends.

Pointalize Final Thoughts

The Citi Simplicity® Card is exactly what the name promises – simple and forgiving. With no annual fee, no late fees, and no penalty APR, it’s built for cardholders who want breathing room and don’t want to stress about slip-ups. Its ultra-long 0% intro APR on balance transfers makes it one of the best tools for eliminating high-interest debt. However, it’s not a long-term keeper for rewards or perks, since it offers none. If your goal is to pay down balances without extra costs, this card is one of the most no-nonsense, stress-free solutions available.

Read the full review (Coming Soon)

Citi® Diamond Preferred® Card

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - None

$275 Savings

Estimated savings over 24 months based on a $2,500 transfer at 15% APR.

Includes balance transfer fee and intro APR period. Equal payments assumed.

Intro offer: Extended 0% intro APR on balance transfers (offer varies)

Annual fee: $0

Regular APR: Variable APR after intro period

Recommended credit: 660–780 (Fair to Good)

Travel Perks: None

Visit issuer’s site directly See Rates & Fees

Pros

Very long 0% intro APR on balance transfers and purchases, making it strong for debt repayment or financing large expenses.
No annual fee, so you can keep it long-term at no cost.

Cons

No rewards program, meaning no cashback, points, or miles on spending.
Balance transfer fee (either $5 or 5% of the amount of each transfer, whichever is greater) applies, adding to the initial cost of moving debt.

Pointalize Final Thoughts

Strong pick for low-cost balance transfers without frills.

Read the full review (Coming Soon)

Wells Fargo Reflect®

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - None

$275 Savings

Estimated savings over 24 months based on a $2,500 transfer at 15% APR.

Includes balance transfer fee and intro APR period. Equal payments assumed.

Intro offer: Up to ~21 months 0% intro APR on purchases & balance transfers (offer varies)

Annual fee: $0

Regular APR: 17.24% – 28.99% Variable APR

Recommended credit: 660–780 (Fair to Good)

Travel Perks: None

Visit issuer’s site directly See Rates & Fees

Pros

Exceptionally long 0% intro APR period on both purchases and balance transfers – among the best in the industry.
Cell phone protection (up to $600 per claim, $25 deductible) adds solid value for everyday users.
Flexible choice for those who need breathing room to manage existing debt or finance a large purchase without interest.

Cons

No ongoing rewards program, which limits long-term value once the intro APR ends.
Balance transfer fee (5%, $5 minimum) is higher than what some competitors charge.

Pointalize Final Thoughts

The Wells Fargo Reflect® Card is designed with one clear mission: to give you time. If your priority is paying off debt or financing big purchases without the burden of interest, this card stands out with one of the longest 0% APR offers available. However, if you’re looking for long-term rewards, cashback, or premium perks, you’ll want to look elsewhere once the intro period ends. In short, this is not a rewards card—it’s a financial breathing room card. Use it strategically, and it can be one of the most valuable tools in your wallet for debt management.