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 Diamond Preferred Card review

Citi Diamond Preferred Card

3.4 rating

The Citi Diamond Preferred offers a competitive introductory period for transferring a balance, but its balance transfer fee is high. This offer is no longer available on our site.

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Synovus Cash Rewards Visa review

Synovus Cash Rewards Visa

3.4 rating

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

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BB&T Spectrum Cash Rewards credit card review

BB&T Spectrum Cash Rewards credit card

3.4 rating

The balance transfer fee on the BB&T Spectrum Cash 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

3.3 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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Barclaycard Ring Mastercard review review

Barclaycard Ring Mastercard review

3.3 rating

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. This offer is no longer available on our site. 

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First Citizens Rewards Visa card review

First Citizens Rewards Visa card

3.3 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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PNC Points Visa review

PNC Points Visa

3.3 rating

The PNC Points Visa card offers cardholders with excellent credit a relatively low interest rate and a modest 12-month interest-free promotion on purchases and balance transfers; however, the card’s rewards rate is less generous than it seems and its APR for some cardholders is high.

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Mastercard Titanium Card review

Mastercard Titanium Card

3.2 rating

The Mastercard Titanium Card offers a long 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

3.2 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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American Express Everyday Preferred card review

American Express Everyday Preferred card

3.2 rating

The introductory period for balance transfers on the American Express Everyday Preferred card is too short and it’s $95 annual fee is steep for cardholders seeking to save money on transferring a balance. This offer is no longer available on our site.

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Mastercard Black Card review

Mastercard Black Card

3.2 rating

The Mastercard Black Card’s 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.

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Wyndham Rewards Visa card review

Wyndham Rewards Visa card

3.2 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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