Financial institutions have released details on several credit cards featuring 0% introductory APR periods for balance transfers in January 2026. The Bank of America Customized Cash Rewards credit card offers a 0% intro APR for the first 15 billing cycles on purchases and for any balance transfers made within the first 60 days of account opening. A balance transfer fee of 3% applies for the first 60 days, increasing to 4% after. The card also provides a $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days.
The BankAmericard Credit Card features a 0% intro APR on purchases and on balance transfers made within 60 days of account opening for the first 18 billing cycles. Its purchase APR is 14.74% - 24.74% variable. The balance transfer fee is 3% within the first 60 days, rising to 4% after.
American Express has detailed its Blue Cash Everyday Card, which has a 0% intro APR on balance transfers for 15 months. The balance transfer fee is 3% with a $5 minimum. The card also offers a $200 statement credit after spending $2,000 within the first 6 months.
Citi's offerings include the Citi Custom Cash Card, which has a 0% intro APR on balance transfers for the first 18 months with an intro balance transfer fee of 3% and a $5 minimum when the transfer is made within the first four months. It provides 5% cash back on purchases in the top eligible spend category each billing cycle, up to the first $500 spent.
The Citi Simplicity Card offers a 0% intro APR on balance transfers for 21 months. The balance transfer fee is 3% or $5, whichever is greater, with transfers required within the first four months. The card has no late fees or penalty APRs.
Discover's it Cash Back card provides a 0% intro APR on purchases and balance transfers for the first 15 months. The intro balance transfer fee is 3% until March 10, 2026, after which it can be up to 5%. Discover will automatically match all cash back earned at the end of the first year.
U.S. Bank's Shield Visa Card has a 0% intro APR on purchases and eligible balance transfers for the first 24 months. A balance transfer fee of 5% with a $5 minimum applies, and transfers must be made within 60 days of account opening.
Other cards mentioned include the Citi Diamond Preferred Card, which has one of the longest 0% APR intro periods available and a 5% balance transfer fee with a $5 minimum, requiring transfers within the first four months. The Wells Fargo Reflect card also has a long-lasting 0% APR intro period for balance transfers with a 5% fee and a $5 minimum, requiring transfers within 120 days of account opening.
Information on these cards was compiled from issuer materials available in January 2026. Details such as APRs, fees, and offer terms are based on data published at that time.