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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PenFed Pathfinder Rewards American Express card review

PenFed Pathfinder Rewards American Express card

3 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. This offer is no longer available.

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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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PenFed Platinum Rewards Visa Signature Card review

PenFed Platinum Rewards Visa Signature Card

3 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

2.9 rating

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

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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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BBVA Compass ClearPoints credit card review

BBVA Compass ClearPoints credit card

2.9 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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M&T Visa Signature card review

M&T Visa Signature card

2.8 rating

This inexpensive rewards card offers a fair amount of value cardholders who want affordable rewards without the fuss: In lieu of a costly and complicated rewards scheme, it offers a low APR and 1.5 percent cash back on every purchase.

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U.S. Bank Cash+ Visa Signature Card review

U.S. Bank Cash+ Visa Signature Card

2.8 rating

This flexible cash back card gives cardholders more options than most rewards credit cards; however, it charges a relatively high APR for carrying a balance and only gives cardholders 12 billing cycles to pay off a transferred balance. See rates and fees This offer is no longer available on our site.

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State Farm Rewards Visa review

State Farm Rewards Visa

2.8 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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TD First Class Visa Signature credit card review

TD First Class Visa Signature credit card

2.8 rating

A poor choice for cardholders on a budget, the TD First Class Visa Signature card charges a high annual fee in exchange for modest rewards and a relatively short 0 perfect balance transfer promotion.

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The Ultimate Cash Back card from Santander Bank review

The Ultimate Cash Back card from Santander Bank

2.7 rating

The introductory period for balance transfers on the Santander Ultimate Cash Back Mastercard is short, though you can save money on your transfer thanks to the card’s lack of a balance transfer fee.

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U.S. Bank Cash 365 American Express Card review

U.S. Bank Cash 365 American Express Card

2.7 rating

The U.S. Bank Cash 365 card’s introductory period for balance transfers is on the short side and the regular APR is high, though cardholders may enjoy the card’s high rate of cash back on every purchase if they can manage to pay down their balance. This offer is no longer available on our site.

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