Balance Transfer Credit Cards - Reviews
A balance transfer credit card is ideal for avoiding interest while you pay down credit card debt. Many credit cards offer 0% APR balance transfers for an introductory period of time – generally 12 to 18 months – upon sign-up.
By moving a balance from a high-interest credit card to a balance transfer credit card, you can pay off debt faster and gain control of your finances. Along with this tremendous perk, many balance transfer credit cards offer added incentives like welcome offers and rewards programs. Some even include new purchases in your 0% intro APR period as well.
Our CreditCards.com experts rated the best balance transfer credit cards for 2021 based on several factors: length of the 0% intro APR period on transfers and purchases, sign-up bonuses, balance transfer and account fees, penalty APRs and rewards program benefits. In our balance transfer credit card reviews below, you can compare intro introductory APR offers, check out welcome offers, explore rewards programs and find expert insights to help you spot the best fit.
HSBC Gold Mastercard credit card
Last reviewed: February 24, 2021
With a generous intro offer on both balance transfers and new purchases, the HSBC Gold Mastercard is a great choice for cardholders looking to pay down their debt. You’ll also save a bit on charges thanks to the $0 annual fee, lack of foreign transaction fees and one late fee waiver per year. This offer is no longer available on our site.
U.S. Bank Altitude® Go Visa Signature® Card
Last reviewed: April 18, 2024
Thanks to its impressive rewards rate on a variety of everyday purchases, the U.S. Bank Altitude Go card is a great option for foodies and occasional travelers who want to avoid an annual fee.
Synovus Cash Rewards Visa
Last reviewed: March 4, 2021
The Synovus Cash Rewards Visa Platinum card offers one of the lowest interest rates you can get on a credit card, but its balance transfer offer only lasts for six months, making it a riskier choice for cardholders with big balances.
BB&T Spectrum Cash Rewards credit card
Last reviewed: February 23, 2021
The balance transfer fee on the BB&T Spectrum Cash Rewards card is nothing special, but it is still a decent option for cardholders who don’t want to sacrifice rewards while they work down their debt.
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KeyBank Key2More Rewards credit card
Last reviewed: March 3, 2021
With an expensive balance transfer fee and a stingy 6-month introductory promotion, this overrated rewards card ranks low on our list of balance transfer cards.
BMO Harris Bank Premium Rewards Mastercard
Last reviewed: September 10, 2020
For $79 a year, the BMO Harris Bank Premium Rewards Mastercard offers solid rewards for frequent travelers, but the card’s moderately high APR and short interest-free balance transfer period limit its appeal as a balance transfer card.