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.
American Express Everyday card
Last reviewed: June 14, 2018
The American Express Everyday card is a prime choice for balance transfers — for the first 60 days of card membership, it lets you transfer a balance with no balance transfer fee and a long 15-month introductory period to pay it off.
Discover it® Cash Back
Last reviewed: August 10, 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.
Blue Cash Everyday card from American Express
Last reviewed: June 14, 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: August 1, 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.
Citi Double Cash Card
Last reviewed: June 19, 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: February 22, 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.
BankAmericard® Credit Card
Last reviewed: July 31, 2018
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.
Citizens Bank Cash Back Plus World MasterCard
Last reviewed: April 6, 2018
The Citizens Bank Cash Back Plus World MasterCard offers an outstanding rewards rate on everyday purchases and a lengthy 0 percent balance transfer offer; but its standard APR is on the high side for a balance transfer card.
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Mastercard Black Card
Last reviewed: July 2, 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.
Wyndham Rewards Visa card
Last reviewed: February 22, 2018
The 15-month introductory period on the Wyndham Rewards Visa is a long one, though you’ll need to consider whether Wyndham’s short shelf-life on its rewards points makes the rewards program on the card worthwhile.
Barclay Choice Privileges Visa Signature card
Last reviewed: April 6, 2018
The Barclay Choice Privileges card is the rare hotel card to offer a 0-percent introductory period for balance transfers, and it’s a good deal if you’re looking for a long period to pay off your balance transfer as well as a rewards card that’s worth keeping in the long run.
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SunTrust Cash Back credit card
Last reviewed: April 6, 2018
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.
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