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.
Citi Diamond Preferred card
Last reviewed: September 5, 2017
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.
Citi Simplicity card
Last reviewed: September 5, 2017
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.
U.S. Bank Visa Platinum card
Last reviewed: October 13, 2017
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.
Chase Slate card
Last reviewed: October 2, 2017
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.
BB&T Bright card
Last reviewed: August 31, 2017
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.
Barclaycard Ring Mastercard review
Last reviewed: September 19, 2017
With a long 15-month introductory period, a 0 percent fee on balance transfers, a very reasonable list of fees in general, and some truly unique features, the Barclaycard Ring card makes its mark as a distinct product for the value-minded cardholder. This offer is no longer available on our site.
Blue Cash Everyday card from American Express
Last reviewed: September 26, 2017
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.
SunTrust Cash Back credit card
Last reviewed: September 26, 2017
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.
Discover it Cash Rewards card
Last reviewed: October 2, 2017
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.
PNC Core Visa credit card
Last reviewed: May 22, 2017
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.
SunTrust Travel Rewards card
Last reviewed: September 26, 2017
With a 15-month introductory period for balance transfers and a decent rewards rate, the SunTrust Travel Rewards card offers good value as a balance transfer card.
BankAmericard credit card
Last reviewed: September 20, 2017
With a relatively low interest rate, a 0 percent fee on balances transferred in the first 60 days of card ownership and a lengthy interest-free balance transfer period, the BankAmericard credit card is a good choice for cardholders with hefty balances.
