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.
Chase Freedom Unlimited
Last reviewed: February 8, 2019
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.
Discover it® Cash Back
Last reviewed: February 5, 2019
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.
BankAmericard® credit card
Last reviewed: February 12, 2019
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.
Capital One SavorOne Cash Rewards Credit Card
Last reviewed: February 12, 2019
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.
KeyBank Latitude Mastercard
Last reviewed: February 13, 2019
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.
BB&T Bright card
Last reviewed: February 13, 2019
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.
Citi Double Cash Card
Last reviewed: February 13, 2019
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.
Citi Simplicity Card
Last reviewed: February 5, 2019
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.
BECU Visa credit card
Last reviewed: February 6, 2019
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.
PNC Core Visa credit card
Last reviewed: February 6, 2019
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.
HSBC Gold Mastercard credit card
Last reviewed: February 13, 2019
With a generous 18-month, interest-free 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.
Wells Fargo Cash Wise Visa Card
Last reviewed: February 13, 2019
The introductory period for balance transfers on the Wells Fargo Cash Wise Visa Card is on the short side, but the card can help cut costs in other ways thanks to a large sign-up bonus offer and high cash back rate.