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.
PenFed Power Cash Rewards Visa Signature card
Last reviewed: December 3, 2018
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.
The Ultimate Cash Back card from Santander Bank
Last reviewed: November 27, 2018
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.
U.S. Bank Cash+ Visa Signature Card
Last reviewed: October 30, 2018
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.
TD First Class Visa Signature credit card
Last reviewed: November 16, 2018
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.
PenFed Gold Visa card
Last reviewed: December 3, 2018
The 12 month 0-percent introductory period for balance transfers is on the short side; however, the PenFed Gold Visa card can save you money in the long run due to its very reasonable rates and fees.
U.S. Bank Cash 365 American Express Card
Last reviewed: October 30, 2018
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.
State Farm Good Neighbor Visa
Last reviewed: November 9, 2018
This affordably priced balance transfer card offers a reasonable APR and modest balance transfer fee, but its 12-month promotional period doesn’t give you much time to pay off an interest-free balance.
PNC Premier Traveler Visa Signature credit card
Last reviewed: November 21, 2018
With its high annual fee and relatively short 12-month introductory period, the PNC Premier Traveler card is not your best option for transferring a balance. However, if you manage to pay down your balance in the first year before the fees and interest rates kick in, you’ll have a very good travel rewards card.
Citizens Bank Cash Back Plus World MasterCard
Last reviewed: November 16, 2018
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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Barclaycard Arrival Plus World Elite Mastercard
Last reviewed: November 19, 2018
One of the most generous travel cards around, the Barclaycard Arrival Plus World Elite Mastercard is a great choice for earning free travel; but it’s too expensive to carry a balance on – especially since its 0 percent balance transfer offer only lasts for 12 months.
PNC CashBuilder Visa credit card
Last reviewed: November 16, 2018
The standard APR on the PNC CashBuilder Visa is on the high side for a balance transfer card and its 12-month 0 percent balance transfer promotion is relatively short.
HSBC Cash Rewards Mastercard
Last reviewed: October 22, 2018
The HSBC Cash Rewards Mastercard offers a long introductory period for balance transfers, but its balance transfer fee is on the high side and it lacks an introductory APR for new purchases.