A balance transfer card lets you move high-interest credit card debt to a new card with 0% introductory APR — giving you months to pay it down interest-free. Here are the best offers in November 2026.
The top cards
- Citi Diamond Preferred — 0% intro APR on balance transfers for 21 months, 3% intro transfer fee, then 16.74%–27.49% variable APR
- Wells Fargo Reflect — 0% for 21 months on balance transfers and purchases, 5% transfer fee
- BankAmericard — 0% for 21 billing cycles, 15.24%–26.24% after
- Chase Slate Edge — 0% for 21 months
- Citi Double Cash — 0% for 18 months
- Chase Freedom Unlimited — 0% for 15 months
The warning
The 0% period is temporary. Any balance left unpaid after the intro period is charged interest at the regular APR — so have a payoff plan before you transfer.
This is general education, not financial advice.
