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.
RBFCU CashBack Rewards card
Last reviewed: April 30, 2020
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.
PenFed Gold Visa Card
Last reviewed: April 30, 2020
The 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.
Regions Prestige Visa Signature credit card
Last reviewed: July 10, 2020
The introductory period for balance transfers on the Regions Prestige Visa Signature card is too short and the 4 percent fee for balance transfers is higher than average.
Barclaycard Arrival Plus World Elite Mastercard
Last reviewed: July 10, 2020
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. This offer is no longer available on our site.
HSBC Cash Rewards Mastercard credit card
Last reviewed: October 15, 2019
The HSBC Cash Rewards Mastercard offers a long introductory period for balance transfers and new purchases, but its balance transfer fee is on the high side. This offer is no longer available on our site.
PNC Premier Traveler Visa Signature credit card
Last reviewed: May 7, 2020
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.
Regions Visa Signature Premium credit card
Last reviewed: May 8, 2020
The Regions Visa Signature Premium card is a poor choice for a balance transfer: The balance transfer period is too short, the fee for balance transfers is high and the $125 annual membership fee is through the roof.
M&T Visa credit card with rewards
Last reviewed: May 7, 2020
The M&T Visa card charges a lower APR than most rewards credit cards, but the benefits it offers are modest and the above balance transfer fee it charges could cut into cardholders’ savings.
HSBC Platinum Mastercard with rewards
Last reviewed: June 10, 2020
This low earnings rewards credit card charges a pricey fee for transferring a balance and only gives cardholders 12 months to take advantage of its interest-free promotion. This offer is no longer available on our site.
M&T Visa credit card
Last reviewed: May 8, 2020
The balance transfer period on the M&T Visa card is relatively short and it charges a higher-than-average balance transfer fee.
State Farm Good Neighbor Visa
Last reviewed: May 8, 2020
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.
Commerce Bank Special Connections Visa Signature credit card
Last reviewed: June 2, 2020
The interest rate on the Commerce Bank Special Connections Visa Signature card might be low, but its sky-high balance transfer fee and stingy promotional offer make it a poor choice for transferring a balance.