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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Citi Diamond Preferred card review

Citi Diamond Preferred card

4.4 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 make interest-free purchases — and reasonable balance transfer fee.

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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 18-month 0-percent introductory period.

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BB&T Bright card review

BB&T Bright card

4 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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Platinum Edition Visa card from First National Bank of Omaha review

Platinum Edition Visa card from First National Bank of Omaha

4 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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Blue Cash Everyday card from American Express review

Blue Cash Everyday card from American Express

3.9 rating

The Blue Cash Everyday card is a good choice for cardholders who want a long introductory period to pay down their balance while still earning rewards on routine spending.

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Hawaiian Airlines World Elite Mastercard review

Hawaiian Airlines World Elite Mastercard

2.9 rating

The Hawaiian Airlines World Elite Mastercard offers an unusually generous 0 percent balance transfer promotion for an airline card, but its standard APR is too high for carrying a balance.

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SunTrust Cash Back credit card review

SunTrust Cash Back credit card

3.9 rating

For cardholders with the best credit scores, the SunTrust Cash Back card is a great choice for transferring a balance: It offers a low minimum interest rate, modest balance transfer fee and lengthy interest-free promotion; however, cardholders with lower scores could get stuck with a much higher standard interest rate.

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Discover it Cash Rewards card review

Discover it Cash Rewards card

3.9 rating

The Discover it cash back offers a low minimum APR and a generous cash back program for motivated cardholders who don’t mind tracking rotating bonuses; however, the card’s maximum APR is too high for carrying a balance and its interest-free promotional period is relatively short.

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PNC Core Visa credit card review

PNC Core Visa credit card

3.9 rating

With a solid zero percent promotional offer and low standard interest rate, the PNC Core Visa card is a good choice for cardholders who plan to carry a balance.

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Citi ThankYou Preferred card review

Citi ThankYou Preferred card

3.8 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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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.

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