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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Chase Freedom Unlimited review

Chase Freedom Unlimited

3.9 rating

The Chase Freedom Unlimited card offers a great cash back program and introductory APR, but it’s high regular APR is a big drawback for balance transfers.

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Discover it® Cash Back review

Discover it® Cash Back

3.9 rating

The Discover it Cash Back card 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 promotional period is relatively short.

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BankAmericard® credit card review

BankAmericard® credit card

3.9 rating

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

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Capital One® SavorOne® Cash Rewards Credit Card review

Capital One® SavorOne® Cash Rewards Credit Card

3.8 rating

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

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Wells Fargo Cash Wise Visa® card review

Wells Fargo Cash Wise Visa® card

3.8 rating

The introductory period for balance transfers on the Wells Fargo Cash Wise Visa card is fairly long, and the card is worth keeping in the long run for its cash rewards program. See rates and fees

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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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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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Citi Double Cash Card review

Citi Double Cash Card

3.7 rating

One of the best cash back cards on the market, the Citi Double Cash card also offers one of the longest 0-percent balance transfer deals around.

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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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BECU Visa credit card review

BECU Visa credit card

3.6 rating

This affordable balance transfer card doesn’t offer the longest interest-free promotion, but its unusually low interest rate and zero balance transfer fee could save cardholders hundreds of dollars in charges.

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PNC Core Visa credit card review

PNC Core Visa credit card

3.6 rating

With a solid 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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HSBC Gold Mastercard credit card review

HSBC Gold Mastercard credit card

3.5 rating

With a generous intro offer on both balance transfers and new purchases, the HSBC Gold Mastercard is a great choice for cardholders looking to pay down their debt. You’ll also save a bit on charges thanks to the $0 annual fee, lack of foreign transaction fees and one late fee waiver per year. This offer is no longer available on our site.

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