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8 Great Low Interest Cards With a 0% Intro APR on Balance Transfers of October 2026
October, 2026A 0% intro APR helps most when you can pay off the balance in time. If you can't, the card's ongoing APR matters too. These cards pair a 0% intro period on balance transfers with an ongoing APR range that starts relatively low.
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What to look for in a low-interest balance transfer card
Start with the intro period. It's the biggest money saver, so make a plan to pay off as much as you can before it ends.
Check the ongoing APR. Any balance left after the intro period accrues interest at this rate, and the rate you get depends on your credit.
Factor in the transfer fee. Most cards charge 3% to 5% of what you move.
See your approval odds
No impact to your credit score. We don't save any of the information used to generate your approval odds.
Our pick for: Intro APR on transfers + no penalty APR
Balance transfer intro APR0% intro APR on Balance Transfers for 21 billing cycles for any balance transfers made in the first 60 daysPurchase intro APR0% intro APR on Purchases for 21 billing cyclesRegular APR15.24%-26.24% Variable APRAnnual fee$0Rewards rateN/AIntro offerN/ARecommended credit score690-850(Good - Excellent)Card details
- 0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 15.24% - 26.24% will apply. A 5% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.
- No annual fee.
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
NerdWallet's take
The BankAmericard® credit card is built for paying down debt, with a long intro period on both transfers and purchases. It gives you time at 0%, with a lower starting APR as a backstop.
Read full reviewPros0% intro APR on Balance Transfers for 21 billing cycles for any balance transfers made in the first 60 days, and on purchases: 0% intro APR on Purchases for 21 billing cycles.
Ongoing APR of 15.24%-26.24% Variable APR.
No penalty APR, so a late payment won't automatically raise your interest rate.
Annual fee: $0.
ConsBalance transfer fee: 5% of the amount of each transaction
No rewards.
The intro rate on transfers applies only to balances moved in the first 60 days.
Our pick for: Intro APR on transfers + extra-long transfer offer
Apply Nowon Citibank's applicationon Citibank's applicationBalance transfer intro APR0% intro APR on balance transfers for 21 monthsPurchase intro APR0% intro APR on purchases for 12 monthsRegular APR16.74%-27.49% Variable APRAnnual fee$0Rewards rateN/AIntro offerN/ARecommended credit score690-850(Good - Excellent)Card details
- 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 16.74% - 27.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- No Annual Fee - our low intro rates and all the benefits don't come with a yearly charge.
- Buy now and pay later. Split your payment for eligible purchases of $75 or more into a fixed payment with Citi® Flex Pay.
- Get free access to your FICO® Score online.
- View Rates & Fees
NerdWallet's take
The Citi® Diamond Preferred® Card is all about time, with a long intro period on balance transfers. If some balance remains after the intro period, the ongoing rate starts at the lower end.
Read full reviewPros0% intro APR on balance transfers for 21 months, and on purchases: 0% intro APR on purchases for 12 months.
Ongoing APR of 16.74%-27.49% Variable APR.
Free access to your FICO Score online.
Annual fee: $0.
ConsBalance transfer fee: There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
No rewards.
Our pick for: Intro APR on transfers + travel cash back
Balance transfer intro APR0% intro APR on balance transfers for 21 billing cyclesPurchase intro APR0% intro APR on purchases for 21 billing cyclesRegular APR17.24%-28.24% Variable APRAnnual fee$0Rewards rate4%CashbackIntro offerN/ARecommended credit score690-850(Good - Excellent)Rewards breakdown
4%Cash back on prepaid air, hotel and car reservations booked directly in the Travel Center.Card details
- 0% intro APR on purchases and balance transfers for 21 billing cycles. After that, a variable APR currently 17.24% - 28.24%.
- 4% cash back on prepaid air, hotel and car reservations booked directly in the Travel Center when you use your card.
- Get a $20 annual statement credit for 11 consecutive months of purchases.
- No annual fee.
- Cell Phone Protection: Your eligible cell phone can be reimbursed up to $600 in the event it is stolen or damaged when you pay your monthly cell phone bill with your card.
- Terms and conditions apply.
- View Rates & Fees
NerdWallet's take
The U.S. Bank Shield™ Visa® Card is mainly about its long intro period, with travel cash back and a few extras on top. It's a careful choice if you're not sure you'll clear the balance in time.
Read full reviewPros0% intro APR on balance transfers for 21 billing cycles, and on purchases: 0% intro APR on purchases for 21 billing cycles.
Ongoing APR of 17.24%-28.24% Variable APR.
Earns cash back on prepaid air, hotel and car reservations booked through U.S. Bank's travel center.
An annual statement credit after 11 consecutive months of purchases.
Annual fee: $0.
ConsBalance transfer fee: Either 5% of the amount of each transfer or $5 minimum, whichever is greater.
Rewards only apply to travel booked through U.S. Bank's travel center.
No welcome bonus.
Our pick for: Intro APR on transfers + no late fees
Balance transfer intro APR0% intro APR on balance transfers for 18 monthsPurchase intro APR0% intro APR on purchases for 18 monthsRegular APR17.74%-28.49% Variable APRAnnual fee$0Rewards rateN/AIntro offerN/ARecommended credit score690-850(Good - Excellent)Card details
- 0% Intro APR on balance transfers and purchases for 18 months from date of account opening. After that, the variable APR will be 17.74% - 28.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- $0 liability on unauthorized charges.
- View Rates & Fees
NerdWallet's take
The Citi Simplicity® Card keeps things simple: a long intro period and no late fees. It gives you time at 0%, with a lower starting APR as a backstop.
Read full reviewPros0% intro APR on balance transfers for 18 months, and on purchases: 0% intro APR on purchases for 18 months.
Ongoing APR of 17.74%-28.49% Variable APR.
No late fees and no penalty rate, which adds a safety net while you pay down debt.
Annual fee: $0.
ConsBalance transfer fee: There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
No rewards or welcome bonus.
Our pick for: Intro APR on transfers + choose-your-category cash back
Apply Nowon Bank of America's websiteon Bank of America's websiteBalance transfer intro APR0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 daysPurchase intro APR0% intro APR on Purchases for 15 billing cyclesRegular APR17.74%-27.74% Variable APRAnnual fee$0Rewards rate1%-6%CashbackIntro offer$200Recommended credit score690-850(Good - Excellent)Rewards breakdown
6%Cash back for the first year in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).3%Cash back in the category of your choice after the first year (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).2%Cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).1%Cash back on all other purchases.Card details
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
- Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- Turn daily purchases into everyday wins. Simply use your Customized Cash Rewards credit card for the things you already buy - from gifts to groceries - BofA Rewards™ members earn more cash back.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.74% - 27.74% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
NerdWallet's take
The Bank of America® Customized Cash Rewards credit card lets you pick where you earn the most cash back. If some balance remains after the intro period, the ongoing rate starts at the lower end.
Read full reviewPros0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days, and on purchases: 0% intro APR on Purchases for 15 billing cycles.
Ongoing APR of 17.74%-27.74% Variable APR.
Earns bonus cash back in a category you choose, plus at grocery stores and wholesale clubs, up to a quarterly cap.
Bank of America Rewards members can earn more cash back.
Annual fee: $0.
ConsBalance transfer fee: 3% for 60 days from account opening, then 5%
Bonus cash back is capped each quarter.
Our pick for: Intro APR on transfers + long intro period
Balance transfer intro APR0% intro APR for 21 months from account opening on qualifying balance transfersPurchase intro APR0% intro APR for 21 months from account opening on purchasesRegular APR17.74%, 24.24%, or 28.49% Variable APRAnnual fee$0Rewards rateN/AIntro offerN/ARecommended credit score690-850(Good - Excellent)Card details
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.74%, 24.24%, or 28.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
- $0 annual fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
- View Rates & Fees
NerdWallet's take
The Wells Fargo Reflect® Card gives you a long 0% intro period on both transfers and purchases. It's a careful choice if you're not sure you'll clear the balance in time.
Read full reviewPros0% intro APR for 21 months from account opening on qualifying balance transfers, and on purchases: 0% intro APR for 21 months from account opening on purchases.
Ongoing APR of 17.74%, 24.24%, or 28.49% Variable APR.
Cell phone protection against damage or theft, subject to a deductible.
Annual fee: $0.
ConsBalance transfer fee: 5%, min: $5
No rewards.
Our pick for: Intro APR on transfers + quarterly cash back + first-year match
Apply Nowon Capital One's websiteon Capital One's websiteBalance transfer intro APR0% intro APR on balance transfers for 18 monthsPurchase intro APR0% intro APR on purchases for 6 monthsRegular APR17.74%-26.74% Variable APRAnnual fee$0Rewards rate1%-5%CashbackIntro offerCashback Match™Recommended credit score690-850(Good - Excellent)Rewards breakdown
5%Cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.1%Cash back on all other purchases.Card details
- Get a 0% intro APR for 18 months on balance transfers and 0% intro APR on purchases for 6 months; balance transfer fee applies. Then 17.74% to 26.74% Standard Variable APR applies, based on credit worthiness
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases
- Redeem cash back for any amount
- No annual fee
- Terms and conditions apply
- View Rates & Fees
NerdWallet's take
The Discover it® Cash Back - 18 Month Intro Balance Transfer Offer pairs a long transfer offer with a first-year match on everything you earn. It gives you time at 0%, with a lower starting APR as a backstop.
Read full reviewPros0% intro APR on balance transfers for 18 months, and on purchases: 0% intro APR on purchases for 6 months.
Ongoing APR of 17.74%-26.74% Variable APR.
Earns bonus cash back in categories that change each quarter (activation required), plus cash back on everything else.
Redeem cash back for any amount.
Annual fee: $0.
ConsBalance transfer fee: 0% at the Transfer APR; 3% for the first 18 months; 5% at a promotional APR that Capital One may offer to you at any other time.
The intro period on purchases is short: 0% intro APR on purchases for 6 months
Bonus categories are capped each quarter.
Our pick for: Intro APR on transfers + gas and dining cash back
Balance transfer intro APR0% intro APR on balance transfers for 18 monthsPurchase intro APR0% intro APR on purchases for 6 monthsRegular APR17.74%-26.74% Variable APRAnnual fee$0Rewards rate1%-2%CashbackIntro offerCashback Match™Recommended credit score690-850(Good - Excellent)Rewards breakdown
2%Cash back at Gas Stations on up to $1,000 in combined purchases each quarter, automatically.2%Cash back at Restaurants on up to $1,000 in combined purchases each quarter, automatically.1%Cash back on all other purchases.Card details
- Get a 0% intro APR for 18 months on balance transfers and 0% intro APR on purchases for 6 months; balance transfer fee applies. Then 17.74% to 26.74% Standard Variable APR applies, based on credit worthiness
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. You'll still earn unlimited 1% cash back on all other purchases
- Redeem cash back for any amount
- No annual fee
- Terms and conditions apply
- View Rates & Fees
NerdWallet's take
The Discover it® Chrome keeps rewards simple with automatic bonus cash back on gas and dining. If some balance remains after the intro period, the ongoing rate starts at the lower end.
Read full reviewPros0% intro APR on balance transfers for 18 months, and on purchases: 0% intro APR on purchases for 6 months.
Ongoing APR of 17.74%-26.74% Variable APR.
Earns bonus cash back at gas stations and restaurants, up to a quarterly cap, plus cash back on everything else.
Redeem cash back for any amount.
Annual fee: $0.
ConsBalance transfer fee: Introductory fee of 3% of the amount of each transferred balance that posts to your account during the first 18 months that your account is open. After that, 5% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you at any other time.
The intro period on purchases is short: 0% intro APR on purchases for 6 months
Discover isn't accepted as widely outside the U.S.
Compare the Best Balance Transfer Low Interest Credit Cards
| Credit card | NerdWallet rating | Intro APR | Regular APR | Rewards rate | Learn more |
|---|---|---|---|---|---|
 BankAmericard® credit cardApply Nowon Bank of America's website on Bank of America's website | Best for Intro APR on transfers + no penalty APR | 0% intro APR on Purchases for 21 billing cycles and 0% intro APR on Balance Transfers for 21 billing cycles for any balance transfers made in the first 60 days | 15.24%-26.24% Variable APR | N/A | Apply Nowon Bank of America's website on Bank of America's website |
| Citi® Diamond Preferred® Card Apply Nowon Citibank's application on Citibank's application | Best for Intro APR on transfers + extra-long transfer offer | 0% intro APR on purchases for 12 months and 0% intro APR on balance transfers for 21 months | 16.74%-27.49% Variable APR | N/A | Apply Nowon Citibank's application on Citibank's application |
 U.S. Bank Shield™ Visa® CardApply Nowon U.S. Bank's website on U.S. Bank's website | Best for Intro APR on transfers + travel cash back | 0% intro APR for 21 billing cycles on purchases and balance transfers | 17.24%-28.24% Variable APR | 4% | Apply Nowon U.S. Bank's website on U.S. Bank's website |
 Citi Simplicity® CardApply Nowon Citibank's application on Citibank's application | Best for Intro APR on transfers + no late fees | 0% intro APR on purchases and balance transfers for 18 months | 17.74%-28.49% Variable APR | N/A | Apply Nowon Citibank's application on Citibank's application |
| Bank of America® Customized Cash Rewards credit card Apply Nowon Bank of America's website on Bank of America's website | Best for Intro APR on transfers + choose-your-category cash back | 0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days | 17.74%-27.74% Variable APR | 1%-6% | Apply Nowon Bank of America's website on Bank of America's website |
 Wells Fargo Reflect® CardApply Nowon Wells Fargo's website on Wells Fargo's website | Best for Intro APR on transfers + long intro period | 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers | 17.74%, 24.24%, or 28.49% Variable APR | N/A | Apply Nowon Wells Fargo's website on Wells Fargo's website |
| Discover it® Cash Back - 18 Month Intro Balance Transfer Offer Apply Nowon Capital One's website on Capital One's website | Best for Intro APR on transfers + quarterly cash back + first-year match | 0% intro APR on Purchases for 6 months and 0% intro APR on Balance Transfers for 18 months | 17.74%-26.74% Variable APR | 1%-5% | Apply Nowon Capital One's website on Capital One's website |
 Discover it® ChromeApply Nowon Capital One's website on Capital One's website | Best for Intro APR on transfers + gas and dining cash back | 0% intro APR on Purchases for 6 months and 0% intro APR on Balance Transfers for 18 months | 17.74%-26.74% Variable APR | 1%-2% | Apply Nowon Capital One's website on Capital One's website |
