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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Citi Simplicity Card review

Citi Simplicity Card

3.2 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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Mastercard Titanium Card review

Mastercard Titanium Card

3.1 rating

The Mastercard Titanium Card offers a long 15-month introductory period for balance transfers and a reasonable regular APR, though most cardholders may be hard-pressed to afford the card’s $195 annual fee.

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Mastercard Gold Card review

Mastercard Gold Card

3.1 rating

The Mastercard Gold Card comes with a long introductory period for balance transfers and a reasonable regular APR for new purchases — however, many cardholders may find the $995 annual fee unaffordable .

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BECU Visa credit card review

BECU Visa credit card

3.1 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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SunTrust Cash Back credit card review

SunTrust Cash Back credit card

3.1 rating

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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Wells Fargo Cash Wise Visa Card review

Wells Fargo Cash Wise Visa Card

3 rating

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.

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Wyndham Rewards Visa card review

Wyndham Rewards Visa card

2.9 rating

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.

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Barclay Choice Privileges Visa Signature card review

Barclay Choice Privileges Visa Signature card

2.9 rating

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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KeyBank Key2More Rewards credit card review

KeyBank Key2More Rewards credit card

2.9 rating

With an expensive balance transfer fee and a stingy 6-month introductory promotion, this overrated rewards card ranks low on our list of balance transfer cards.

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First Citizens Rewards Visa card review

First Citizens Rewards Visa card

2.9 rating

Cardholders with excellent credit may be able to score a relatively low interest rate on this modest rewards card; however, cardholders who transfer a balance are only given 12 months to take advantage of the card’s interest-free promotion.

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BB&T Spectrum Rewards credit card review

BB&T Spectrum Rewards credit card

2.9 rating

The balance transfer fee on the BB&T Spectrum Rewards card is nothing special, but it is still a decent option for cardholders who don’t want to sacrifice rewards while they work down their debt.

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BMO Harris Bank Premium Rewards Mastercard review

BMO Harris Bank Premium Rewards Mastercard

2.8 rating

For $79 a year, the BMO Harris Bank Premium Rewards Mastercard offers solid rewards for frequent travelers, but the card’s moderately high APR and short interest-free balance transfer period limit its appeal as a balance transfer card.

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