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: November 30, 2018
The Chase Freedom Unlimited card offers a great cash back program and decent 15-month introductory APR, but it’s high regular APR is a big drawback for balance transfers.
Discover it® Cash Back
Last reviewed: October 29, 2018
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 interest-free promotional period is relatively short.
M&T Visa Signature card
Last reviewed: October 29, 2018
This inexpensive rewards card offers a fair amount of value cardholders who want affordable rewards without the fuss: In lieu of a costly and complicated rewards scheme, it offers a low APR and 1.5 percent cash back on every purchase.
Blue Cash Everyday card from American Express
Last reviewed: October 25, 2018
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.
Discover it chrome
Last reviewed: October 24, 2018
The Discover it chrome’s 14-month introductory period for balance transfers and new purchases is longer than average, plus it offers good cash back rewards on restaurant and gas purchases.
KeyBank Latitude Mastercard
Last reviewed: November 14, 2018
The KeyBank Latitude Mastercard earns high marks for its affordable APR and lengthy 0 percent 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: November 27, 2018
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: November 28, 2018
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.
PNC Core Visa credit card
Last reviewed: November 9, 2018
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.
Barclaycard Ring Mastercard review
Last reviewed: December 7, 2018
The Barclaycard Ring Mastercard features a long 15-month introductory period for balance transfers, plus very reasonable fees and a relatively low regular APR once your introductory period expires.
HSBC Gold Mastercard credit card
Last reviewed: November 21, 2018
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.
Mastercard Black Card
Last reviewed: November 20, 2018
The Mastercard Black Card’s 15-month introductory period for balance transfers is long; however, the $495 annual fee on this luxury card is probably beyond the means of the average cardholder.