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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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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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 Signature card review

Wyndham Rewards Visa Signature card

3 rating

The Wyndham Rewards Visa Signature card offers a long 15-month introductory period for balance transfers and some good premium hotel perks; however, with its steep annual fee, it’s not the best choice for cardholders simply looking to save money on a balance transfer.

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First Citizens Cash Back Rewards Visa card review

First Citizens Cash Back Rewards Visa card

3 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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State Farm Rewards Visa review

State Farm Rewards Visa

3 rating

One of the few cards on the market that rewards cardholders for paying bills, the State Farm Rewards Visa pairs a unique rewards program with a modest interest-free promotion, but its standard card APR is a little high for carrying a balance.

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BB&T Spectrum Rewards credit card review

BB&T Spectrum Rewards credit card

3 rating

A good card for carrying a balance, the BB&T Spectrum Rewards card earns high marks for its affordable interest rate; however, the BB&T card’s rewards program and 0 percent balance transfer offer aren’t nearly as generous.

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BMO Harris Bank Premium Rewards Mastercard review

BMO Harris Bank Premium Rewards Mastercard

2.9 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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SunTrust Travel Rewards card review

SunTrust Travel Rewards card

2.9 rating

With a 15-month introductory period for balance transfers and a decent rewards rate, the SunTrust Travel Rewards card offers good value as a balance transfer card.

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Synovus Cash Rewards Visa review

Synovus Cash Rewards Visa

2.8 rating

The Synovus Cash Rewards Visa Platinum card offers one of the lowest interest rates you can get on a credit card, but its 0-percent balance transfer offer only lasts for six months, making it a riskier choice for cardholders with big balances.

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PNC Premier Traveler Visa Signature credit card review

PNC Premier Traveler Visa Signature credit card

2.7 rating

With its high annual fee and relatively short 12-month introductory period, the PNC Premier Traveler card is not your best option for transferring a balance. However, if you manage to pay down your balance in the first year before the fees and interest rates kick in, you’ll have a very good travel rewards card.

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