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.

Learn more about our ratings process

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.

View similar balance transfer cards

Read full review


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.

Read full review


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. 

Read full review


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.

Read full review


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.

Read full review


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.

Read full review


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 .

Read full review


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.

Read full review


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.

Read full review


Barclay Choice Privileges Visa Signature card review

Barclay Choice Privileges Visa Signature card

3.2 rating

The Barclay Choice Privileges card is the rare hotel card to offer an 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.

View similar balance transfer credit cards

Read full review


SunTrust Cash Back credit card review

SunTrust Cash Back credit card

3.2 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.

View similar balance transfer credit cards

Read full review


Citizens Bank Cash Back Plus World MasterCard review

Citizens Bank Cash Back Plus World MasterCard

3.1 rating

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.

View similar balance transfer cards

Read full review