Top 0% APR Balance Transfer Credit Cards in 2025 (UK & USA)

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In 2025, British and American consumers are putting more reliance on 0% APR APR balance transfer credit cards when dealing with high-interest debt. 0% APR balance transfer credit cards let you shift your current balances on other credit cards and pay no interest for a fixed promotion period, which ranges between 12 and 24 months in many cases. Whether you want to consolidate debt or pay less interest, the correct 0% APR balance transfer card will make a considerable impact on your financial wellbeing.

Best 0% APR Balance Transfer Balance Transfer Credit Cards USA (2025)

  1. Citi Diamond Preferred Card

  • Intro APR: 0% for 21 months on balance transfers
  • Regular APR: 18.24% – 28.99% (variable)
  • Balance Transfer Fee: 5% (minimum $5)

Why It’s Awesome: One of the longest 0% APR terms out there for 2025, ideal for individuals concerned with eliminating big balances without interest.

  1. Wells Fargo Reflection Card

Intro APR: 0% for 21 months (18-month intro APR, then a 3-month extension for on-time payments, APR: Balance transfers

  • Regular APR: 18.24% – 29.99% (variable)
  • Balance Transfer Fee: 5% (min $5)
  • Benefit: No yearly fee and additional protection for cellphone insurance when you pay your statement with the card.

  1. Chase Slate Edge℠

Intro APR: 0% for 18 months on purchases and balance transfers

  • Regular APR: 20.24% – 28.99% (variable)
  • Fee: 3% Up to first 60 days, then 5%
  • Benefit: Automatic APR reduction after a year with proper usage—good for long-term users.

  1. BankAmericard Credit Card

  • Intro APR: 0% for 18 billing cycles
  • Regular APR: 16.24% – 26
  • .Fee: Balance transfer fee 3%
  • Highlight: Low-reward, no-annual-fee card for debt payoffs with pure efficiency.
Best 0% APR Balance Transfer Credit Cards UK (2025)

Sainsbury’s Bank Balance Transfer Credit Card
It

  • Introductory Deal: 0% for 28 months or less
  • Fee: 3% transfer fee
  • Representative APR: 21.9% (variable)
  • Benefit: Earn Nectar points on daily expenditures—a great if you already shop at Sainsbury’s.

  1. Virgin Money Balance Transfer Card

  • Introductory Rate: 0% for 25 months or less
  • Fee: 2.99% transfer fee
  • Representative APR: 22.9% (variable)

Why It Distinguishes: Has long-term balance transfer, alongside Virgin customer rewards such as entertainment rewards.

Barclaycard Platinum Balance Transfer Card
It

  • Introductory Promotion: 0% for 24 months
  • Fee: 2.75% transfer fee
  • Representative APR: 24.9% (variable)
  • Reward: Zero cost consumerism on Barclaycard Entertainment and protection against crime features.

HSBC 0% Balance Transfer Credit Card

  • Intro APR: 0% for 22 months
  • Fee: 2.75% transfer fee
  • Representative APR: 23.9% (variable)
  • Highlight: Great deal for current HSBC customers with a good credit history.
Tips to Maximize Your 0% APR Balance Transfer
  • Always pay on time – Late payments can stop your 0% deal.
  • Do not make new charges – Prioritize the repayment of the balance transferred.
  • Calculate the transfer fee – Even 2–3% can cost a lot on big balances.
  • Pay off the full amount at the end of intro period – Regular APR then applies.
  • Compare cards regularly – Terms are changing all the time; 2025 sees new terms quarterly.

 

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