The best 0% APR balance transfer cards give you a year or more to pay down debt without a single dollar in interest charges.
Citi Diamond Preferred Card
Market-leading 21-month 0% intro APR on balance transfers — the longest promotional period widely available.
- Rewards: None
- Annual Fee: $0
- Welcome Bonus: None
Wells Fargo Reflect Card
Up to 21 months at 0% APR (18 months standard, extendable to 21 with on-time minimum payments).
- Rewards: None
- Annual Fee: $0
- Welcome Bonus: None
BankAmericard Credit Card
Solid 21-month 0% intro APR with no annual fee and no penalty APR if you miss a payment.
- Rewards: None
- Annual Fee: $0
- Welcome Bonus: None
Quick Comparison
| Card | Rewards | Annual Fee | Best For |
|---|---|---|---|
| Citi Diamond Preferred | None | $0 | 21 months 0% APR |
| Wells Fargo Reflect | None | $0 | Up to 21 months |
| BankAmericard | None | $0 | No penalty APR |
How to Choose
All three top balance transfer cards offer 21 months at 0%. Choose based on which issuer you don’t already have a card with (you generally can’t transfer between cards from the same issuer).
Frequently Asked Questions
What happens when the 0% period ends?
Your remaining balance accrues interest at the regular APR, which can be 18–28%. Have a plan to pay it off.
Can I transfer a balance from the same bank?
No — balance transfers must come from a different bank than the one issuing the new card.
How long does a balance transfer take?
Typically 5–7 business days but can take up to 3 weeks. Keep paying your old card until the transfer confirms.
Written by: Marcus Chen, Senior Credit Card Analyst at Clear Card Guide
Last Updated: May 2026
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