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 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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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 a 0-percent 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.

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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.

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Blue Cash Preferred Card from American Express review

Blue Cash Preferred Card from American Express

3.1 rating

The 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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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.

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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.

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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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