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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Synovus Cash Rewards Visa review

Synovus Cash Rewards Visa

2.8 rating

The Synovus Cash Rewards Visa Platinum card offers one of the lowest interest rates you can get on a credit card, but its 0-percent balance transfer offer only lasts for six months, making it a riskier choice for cardholders with big balances.

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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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Wyndham Rewards Visa Signature card review

Wyndham Rewards Visa Signature card

2.7 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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SunTrust Travel Rewards card review

SunTrust Travel Rewards card

2.7 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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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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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. This offer is no longer available on our site.

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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 Pathfinder Rewards American Express card review

PenFed Pathfinder Rewards American Express card

2.5 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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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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