If you’re aiming to find the best balance transfer cards, here’s a concise way to approach it and some current leaders to consider. Direct answer

• The strongest options typically offer long 0% intro APR periods for balance transfers, reasonable transfer fees, and solid ongoing terms. Cards from U.S. banks like Wells Fargo, Citi, U.S. Bank, and Bank of America frequently appear in top lists, with some offers extending 0% APR for 18–21 months and transfer fees around 3–5%. The right pick depends on your balance size, how quickly you can pay it off, and whether you want rewards beyond the transfer offer. [web results indicate top contenders and typical terms as of late 2025]

Key decision factors

• Intro APR duration for transfers: look for 15–21 months or longer if you have a large balance. [web results]
• Transfer fees: aim for 3–4% or lower, since fees can negate some savings if the transfer amount is large. [web results]
• Ongoing APR after the intro period: consider whether an ongoing low rate matters if the balance isn’t paid off by the promo end. [web results]
• Additional benefits: rewards can add value, but often come at the cost of a shorter intro period or higher fees. If rewards aren’t a priority, a no-frills transfer card may be best. [web results]

How to compare quickly

• Create a short shortlist: 3–5 cards with 0% transfer periods of 15–21+ months and fees around 3–4%.
• Do the math: compute total cost over the transfer period assuming different payoff timelines (e.g., paying off in 12, 18, 24 months) to see which card actually minimizes interest and fees.
• Check for additional constraints: some issuers require transfers to be completed within a certain window after account opening; verify any such deadlines. [web results]

If you’d like, specify:

• Your current balance to transfer
• How soon you expect to pay it off (months)
• Whether you prefer no annual fee, or are open to a fee-based card for longer-term savings
• Location (country) if you’re outside the U.S., since offers vary by region

I can tailor a top-3 shortlist and show the math for your exact numbers.