If you are carrying credit card debt at 20%+ interest, a balance transfer card could save you thousands. Here are the best 0% APR offers available in April 2026.
Top Balance Transfer Cards
- Citi Simplicity: 0% APR for 21 months, 3% transfer fee
- Wells Fargo Reflect: 0% APR for 21 months, 3% fee
- BankAmericard: 0% APR for 18 months, 3% fee
- Chase Slate Edge: 0% APR for 18 months, 3% fee
- Discover it Balance Transfer: 0% for 18 months, 3% fee
How Much You Can Save
Transferring $10,000 from a 22% APR card to a 0% card saves $2,200 in interest over 12 months. Even with the 3% transfer fee ($300), you save $1,900.
Tips for Success
Pay off the full balance before the 0% period ends. Set up autopay for the minimum and make extra payments each month. Never use the new card for purchases — most cards charge regular APR on new spending.
