Managing credit card debt can feel overwhelming, especially with high-interest rates making it harder to pay down balances. However, one strategy that can help is using a best 0 balance transfer credit card. These cards offer 0% APR for a promotional period, allowing you to transfer existing balances from high-interest cards without accruing interest, making it easier to pay off your debt.
In June 2025, the market is filled with various balance transfer credit cards offering competitive terms. In this article, we’ll explore the best balance transfer credit cards of June 2025, highlighting their benefits, and provide a comparison chart to help you make an informed decision.
Why Choose a Balance Transfer Credit Card?
A best 0 balance transfer credit card can offer significant advantages for anyone carrying credit card debt. Here's why:
- 0% APR for a Promotional Period: With a 0% introductory APR, you can make progress on your debt without worrying about interest accumulating.
- Lower Monthly Payments: By transferring high-interest balances to a 0% APR card, your payments will go toward the principal balance, helping you pay down debt faster.
- Simplified Finances: Instead of juggling multiple credit card payments, a balance transfer allows you to consolidate your debt onto one card with a fixed payment schedule.
- Potential for Savings: By avoiding interest on your transferred balance, you can save money over time and pay off your debt faster.
However, it's essential to be mindful of any balance transfer fees and the end of the 0% APR promotional period, as rates will increase after the introductory period ends.
Best Balance Transfer Credit Cards of June 2025
The following is a breakdown of some of the best 0 balance transfer credit cards available in June 2025, comparing key features to help you find the right card for your needs.
| Credit Card | Intro APR (Balance Transfers) | Balance Transfer Fee | Promotional Period | Regular APR After Promo | Annual Fee | Other Features |
|---|
| Chase Slate Edge | 0% for 18 months | 3% of the transfer amount | 18 months | 19.49% - 28.24% variable | $0 | No annual fee, access to credit limit increases |
| Citi® Diamond Preferred® | 0% for 21 months | 5% of the transfer amount | 21 months | 17.99% - 28.74% variable | $0 | Longest intro period, access to free FICO score |
| Bank of America® Customized Cash Rewards | 0% for 18 billing cycles | 3% of the transfer amount | 18 months | 17.99% - 27.99% variable | $0 | 3% cashback on selected categories |
| Wells Fargo Reflect® Card | 0% for 18 months | 3% of the transfer amount | 18 months | 17.99% - 29.99% variable | $0 | Flexible payment options, no annual fee |
| Discover it® Balance Transfer | 0% for 18 months | 3% of the transfer amount | 18 months | 17.24% - 28.99% variable | $0 | Cashback rewards, no annual fee |
| U.S. Bank Visa® Platinum Card | 0% for 20 billing cycles | 3% of the transfer amount | 20 months | 18.24% - 28.24% variable | $0 | Long intro APR period, cell phone protection |
1. Chase Slate Edge
Chase Slate Edge is an excellent option for those looking for a best 0 balance transfer credit card with a relatively long promotional period of 18 months. It offers a 0% intro APR on balance transfers, allowing you to pay down debt without accumulating interest for nearly a year and a half. The balance transfer fee is 3%, and once the intro period expires, the APR varies between 19.49% and 28.24%. With no annual fee and access to potential credit limit increases, this card is ideal for those needing flexibility.
2. Citi® Diamond Preferred®
Citi® Diamond Preferred® is perfect for those who need a long balance transfer period. This card offers a 0% intro APR on balance transfers for 21 months, which is one of the longest periods available. The balance transfer fee is 5%, and the regular APR after the promotional period ranges from 17.99% to 28.74%. This card is a great option for individuals with large balances, as it gives them ample time to pay down their debt without worrying about high-interest rates. Plus, you’ll have access to a free FICO score to monitor your credit health.
3. Bank of America® Customized Cash Rewards
If you want to consolidate your debt while earning cash back, the Bank of America® Customized Cash Rewards card may be the right choice. With 0% intro APR for 18 months on balance transfers and 3% cash back on select categories, this card offers a unique combination of balance transfer benefits and rewards. The balance transfer fee is 3%, and after the promo period ends, the APR will range from 17.99% to 27.99%. There is no annual fee, making it a cost-effective solution for consolidating debt and earning rewards.
4. Wells Fargo Reflect® Card
The Wells Fargo Reflect® Card provides 0% intro APR on balance transfers for 18 months, along with a low 3% balance transfer fee. After the promotional period, the APR increases to 17.99% to 29.99%. This card is well-suited for individuals seeking a balance transfer card without an annual fee, and it also offers flexible payment options. It’s a solid choice for those who need a simple, straightforward card to consolidate debt without added costs.
5. Discover it® Balance Transfer
The Discover it® Balance Transfer card combines a 0% APR for 18 months with cashback rewards, making it one of the best options for those who want both balance transfer benefits and a rewards program. With no annual fee and a balance transfer fee of 3%, this card offers great value. Additionally, Discover’s cashback rewards program is unique in that they match all the cashback you earn during your first year as a cardholder, giving you the potential to earn even more.
6. U.S. Bank Visa® Platinum Card
For those looking for a long introductory APR period, the U.S. Bank Visa® Platinum Card is another great option. With 0% APR for 20 billing cycles, this card gives you nearly two years to pay off your transferred balances without accruing interest. The balance transfer fee is 3%, and after the promotional period ends, the APR ranges from 18.24% to 28.24%. The card also includes cell phone protection when you pay your monthly bill with the card, making it a valuable option for those who want extra perks.
Conclusion
When considering a best 0 balance transfer credit card, it’s essential to compare the intro APR periods, balance transfer fees, and regular APR after the promotional period ends. Each of the options above offers unique features, including rewards programs, extended introductory periods, and no annual fees.
To maximize your savings, carefully consider your financial situation and choose the card that best suits your needs for consolidating debt. The cards listed above are some of the best balance transfer credit cards of June 2025, and each offers valuable benefits to help you get on track with your finances.
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