Balance Transfer card reviews

Balance Transfer Credit Cards - Reviews

While zero percent introductory offers are a common feature on credit cards, not all balance transfer offers are created equal. We've sifted through the details in the fine print and rated the best cards, based on the length of their interest-free period and the cost of fees for balance transfer. We've also looked at other important features, such as penalty rates, fees and rewards programs, to help you figure out how to get the best deal on your balance transfer.

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Citi Simplicity card review

Citi Simplicity card

4.5 rating

The Citi Simplicity card gets one of our highest ratings in the balance transfer category for its exceptionally long introductory period and its simplified payment terms with minimal penalties.

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Discover it® Balance Transfer review

Discover it® Balance Transfer

4.3 rating

A good value for cardholders who need to transfer a balance, but don’t want to give up earning new rewards, the Discover it 18-month balance transfer card pairs a generous balance transfer promotion with a solid first year bonus.

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U.S. Bank Visa Platinum Card review

U.S. Bank Visa Platinum Card

4.3 rating

The U.S. Bank Visa Platinum card offers cardholders with excellent credit a below average minimum interest rate and reasonable terms, including no penalty APR, and a long 20-month 0-percent introductory period.

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Citi Diamond Preferred card review

Citi Diamond Preferred card

4.3 rating

The Citi Diamond Preferred card is one of our top picks for transferring a balance thanks to its extra long promotional period — which gives cardholders nearly two years to pay off an interest-free balance — and reasonable balance transfer fee.

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Wells Fargo Visa Signature credit card review

Wells Fargo Visa Signature credit card

3.9 rating

The Wells Fargo Visa Signature card offers a long introductory period on balance transfers and new purchases, as well as a good travel rewards program with a generous redemption bonus on travel rewards.

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Platinum Edition Visa card from First National Bank of Omaha review

Platinum Edition Visa card from First National Bank of Omaha

3.9 rating

With its long 15-month introductory period and low regular APR, this plain vanilla Visa card is a relatively low-risk choice for transferring a balance.

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Quicksilver from Capital One review

Quicksilver from Capital One

3.9 rating

Cardholders who transfer a balance to the Capital One Quicksilver card may enjoy the card’s long 15-month 0-percent introductory period as well as its strong cash back program.

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Chase Slate card review

Chase Slate card

3.8 rating

The Chase Slate card’s unique, no-fee introductory balance transfer offer makes it one of the most valuable balance transfer cards on the market. This offer is no longer available.

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BB&T Bright card review

BB&T Bright card

3.8 rating

A great card for BB&T bank customers, the BB&T Bright card ranks high on our list of balance transfer cards thanks to its ultralow APR and lengthy 15-month interest-free balance transfer promotion.

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American Express Cash Magnet℠ card review

American Express Cash Magnet℠ card

3.7 rating

With a long 15-month 0-percent introductory period on balance transfers and new purchases, the American Express Cash Magnet card is a good candidate for transferring a balance as well as keeping around in the long term for its cash back rewards.

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Capital One Savor Cash Rewards Credit Card review

Capital One Savor Cash Rewards Credit Card

3.7 rating

This cash back card for diners features a long 0-percent 15-month introductory APR for balance transfers and new purchases, but cardholders seeking to pay down a balance should beware of the Capital One Savor card’s high regular APR.

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Citi ThankYou Preferred card review

Citi ThankYou Preferred card

3.7 rating

The Citi ThankYou Preferred card offers a fairly long 15-month introductory period on balance transfers, plus a pretty good points-based rewards program once your balance is paid off.

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