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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KeyBank Latitude Mastercard review

KeyBank Latitude Mastercard

2.7 rating

The KeyBank Latitude Mastercard earns high marks for its affordable APR and lengthy 0 percent balance transfer offer; however, the card’s above average balance transfer fee drags down the card’s overall value.

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RBFCU CashBack Rewards card review

RBFCU CashBack Rewards card

2.7 rating

Though the introductory period for balance transfers on the RBFCU CashBack card only lasts 12 months, cardholders who can afford to pay it off in that time can save some money on the transfer thanks to the card’s lack of a balance transfer fee.

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PNC Points Visa review

PNC Points Visa

2.7 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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Bank of America Cash Rewards credit card review

Bank of America Cash Rewards credit card

2.7 rating

The Bank of America Cash Rewards card offers new cardholders a modest balance transfer fee and attractive perks for everyday spending; however, its APR is high for cardholders with less-than-perfect credit and its interest-free balance transfer offer only lasts 12 billing cycles (for transfers made in the first 60 days).

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PenFed Pathfinder Rewards American Express card review

PenFed Pathfinder Rewards American Express card

2.6 rating

The PenFed Pathfinder Rewards card’s introductory period on balance transfers is relatively short, though it’s worth keeping as a travel rewards card if you can pay off your balance in 12 months.

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American Express Everyday Preferred card review

American Express Everyday Preferred card

2.6 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.

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PenFed Platinum Rewards Visa Signature card review

PenFed Platinum Rewards Visa Signature card

2.6 rating

The introductory period for balance transfers on the PenFed Platinum Rewards Visa Signature card is on the short side, but, if you stick around after your balance is paid down, you’ll have a good travel rewards card with very reasonable rates and fees.

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PenFed Power Cash Rewards Visa Signature card review

PenFed Power Cash Rewards Visa Signature card

2.5 rating

Though the PenFed Power Cash Rewards Visa Signature card comes with a very reasonable regular APR, the 12-month interest-free period for balance transfers is far too short.

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Chase Freedom review

Chase Freedom

2.5 rating

A great cash back card for motivated rewards seekers, the Chase Freedom card is a good choice for everyday spending, but its hefty APR and inflated balance transfer fee limit its appeal as a balance transfer card.

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Blue Cash Preferred Card from American Express review

Blue Cash Preferred Card from American Express

2.5 rating

The 12-month introductory period for balance transfers on the Blue Cash Preferred card is relatively short and the card’s $95 annual fee is steep; however, it offers one of the most valuable rewards programs for everyday purchases.

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BBVA Compass ClearPoints credit card review

BBVA Compass ClearPoints credit card

2.5 rating

The BBVA Compass ClearPoints card offers a lower minimum interest rate than most of its competitors and a long introductory period; however, its balance transfer fee is on the high side for a balance transfer card.

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Chase Freedom Unlimited review

Chase Freedom Unlimited

2.4 rating

Though the Chase Freedom Unlimited card offers a great cash back program and a long 15-month introductory period for balance transfers, the card’s balance transfer fee could really cost you if you transfer a large balance.

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