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.
M&T Visa Signature card
Last reviewed: February 22, 2019
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.
U.S. Bank Cash+ Visa Signature Card
Last reviewed: September 25, 2019
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.
State Farm Rewards Visa
Last reviewed: May 20, 2019
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
Last reviewed: May 20, 2019
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.
The Ultimate Cash Back card from Santander Bank
Last reviewed: September 25, 2019
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 365 American Express Card
Last reviewed: September 20, 2019
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.
RBFCU CashBack Rewards card
Last reviewed: October 8, 2019
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: October 9, 2019
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: October 8, 2019
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: August 27, 2019
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: September 30, 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: August 28, 2019
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.