Balance Transfer card reviews

Balance Transfer Credit Cards - Reviews

A balance transfer credit card is ideal for avoiding interest while you pay down credit card debt. Many credit cards offer 0% APR balance transfers for an introductory period of time – generally 12 to 18 months – upon sign-up.

By moving a balance from a high-interest credit card to a balance transfer credit card, you can pay off debt faster and gain control of your finances. Along with this tremendous perk, many balance transfer credit cards offer added incentives like welcome offers and rewards programs. Some even include new purchases in your 0% intro APR period as well.

Our CreditCards.com experts rated the best balance transfer credit cards for 2021 based on several factors: length of the 0% intro APR period on transfers and purchases, sign-up bonuses, balance transfer and account fees, penalty APRs and rewards program benefits. In our balance transfer credit card reviews below, you can compare intro introductory APR offers, check out welcome offers, explore rewards programs and find expert insights to help you spot the best fit.

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Discover it® Balance Transfer review

Discover it® Balance Transfer

4.5 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 Balance Transfer card pairs a generous balance transfer promotion with a solid first year bonus.

*This page includes information about the Discover it® Balance Transfer product, which is no longer offered by Discover. The information for the Discover it® Balance Transfer has been collected independently by CreditCards.com. The card details on this page have not been reviewed or provided by the card issuer. This card is no longer available on our site. 

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BankAmericard® credit card review

BankAmericard® credit card

4.4 rating

With a relatively low interest rate and a lengthy introductory balance transfer period, the BankAmericard credit card is a good choice for cardholders with hefty balances.

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U.S. Bank Visa Platinum Card review

U.S. Bank Visa Platinum Card

4.4 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 introductory period. This offer is no longer available.

 

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Citi® Diamond Preferred® Card review

Citi® Diamond Preferred® Card

4.0 rating

Thanks to its long introductory offers on balance transfers and purchases, the Citi Diamond Preferred Card is a solid option if you need to pay down debt or finance a large purchase. Just be sure to factor in the card’s high balance transfer fee when weighing options.

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Wells Fargo Platinum card review

Wells Fargo Platinum card

4.0 rating

When it comes to paying down credit card debt, the Wells Fargo Platinum card is one of the best cards out there. Its long intro APR and no annual fee give you the cushion you need to make progress. 

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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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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. This offer is no longer available on our site.

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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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KeyBank Latitude Mastercard review

KeyBank Latitude Mastercard

3.8 rating

The KeyBank Latitude Mastercard earns high marks for its affordable APR and lengthy balance transfer offer; however, the card’s above average balance transfer fee drags down the card’s overall value.

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Bank of America® Customized Cash Rewards credit card review

Bank of America® Customized Cash Rewards credit card

3.7 rating

The Bank of America Customized Cash Rewards card offers new cardholders a modest balance transfer fee and attractive perks for everyday spending; however, its APR is high for cardholders with less-than-perfect credit.

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Citi Simplicity® Card review

Citi Simplicity® Card

3.7 rating

The Citi Simplicity card offers an exceptionally long introductory period for balance transfers, but unfortunately also includes a larger balance transfer fee that can make transferring a balance expensive.

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*All information about the Citi Simplicity Card has been collected independently by CreditCards.com and has not been reviewed by the issuer. The Citi Simplicity Card is no longer available through CreditCards.com.

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