By Ziv Shay | Updated April 2026
Save on interest with 0% intro APR offers. Compare 2 top-rated cards side by side.
If you carry credit card debt, a balance transfer card can save hundreds or thousands in interest. The best offers in 2026 provide 0% intro APR for 15-21 months, giving you a window to pay down principal without accruing interest.
The Citi Double Cash leads with an 18-month 0% balance transfer APR and continues earning 2% cash back after the intro period ends. The Wells Fargo Active Cash and Chase Freedom Unlimited both offer 15 months at 0%. Most cards charge a 3-5% balance transfer fee, so factor that into your savings calculation.
To maximize savings, divide your total balance by the number of 0% months to create a fixed monthly payment plan. Set up autopay so you never miss a payment, which could trigger the penalty APR. After the intro period, either pay off the remaining balance or consider another transfer (though this affects your credit score).