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.
Citi ThankYou Preferred Card
Last reviewed: June 2, 2020
The Citi ThankYou Preferred card offers a fairly long 15-month introductory period on balance transfers, plus a pretty good points-based rewards program once your balance is paid off. This offer is no longer available.
Commerce Bank Miles credit card
Last reviewed: May 8, 2020
This low-earning rewards card charges a lower APR than most rewards credit cards, but its 5 percent balance transfer fee is too high for transferring a large balance. This offer is no longer available.
BankAmericard Better Balance Rewards card
Last reviewed: September 30, 2019
The BankAmericard Better Balance Rewards card offers a unique incentive for paying more than the minimum amount due, but its standard APR (see terms) is too high for carrying a balance and its 0 percent balance transfer period is relatively short. This offer is no longer available.
PNC CashBuilder Visa credit card
Last reviewed: May 8, 2020
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. This offer is no longer available.
Wells Fargo Cash Back Visa Signature card
Last reviewed: February 22, 2018
With a long introductory period and an extensive list of perks including cash rewards, the Wells Fargo Cash Back Visa Signature card makes a compelling balance transfer offer. This offer is no longer available.
First National Bank Maximum Rewards Visa card
Last reviewed: May 8, 2020
This pricey rewards credit card charges an above average APR and one of the highest balance transfer fees around, but only gives cardholders 12 months to pay off their interest-free balance. This offer is no longer available.
Regions Visa Platinum credit card
Last reviewed: February 22, 2019
The Regions Visa Platinum card ranks low on our list of balance transfer cards, thanks to its higher-than-average balance transfer fee and extremely short promotion. This offer is no longer available.
View the best balance transfer cards
Barclaycard Arrival World MasterCard
Last reviewed: February 8, 2018
The Barclaycard Arrival World MasterCard’s rewards program is a good value for cardholders who spend a lot of money on dining and travel, but its balance transfer benefits aren’t nearly as generous. This offer is no longer available.
Fifth Third Platinum card
Last reviewed: November 16, 2017
The Fifth Third Platinum card offers a lengthy interest-free promotion and low starting interest rate, but its pricey balance transfer fee takes too big a bite out of cardholders’ savings. This offer is no longer available.
Popular Community Bank Platinum card
Last reviewed: November 17, 2017
For most cardholders, the Popular Community Bank Platinum card is an overpriced rewards card with a disappointing balance transfer offer and forgettable rewards. This offer is no longer available.
First National Bank Discover card
Last reviewed: November 17, 2017
First National Bank’s Discover card isn’t the best balance transfer card you can get, but it does offer some unique perks for cardholders who want easy cash back. This offer is no longer available.
U.S. Bank Perks+ Visa Signature card
Last reviewed: May 3, 2018
The U.S. Bank Perks+ Visa Signature Card gets high marks from us for its solid rewards program, low balance transfer fee and attractive APR, but its year-long promotional period doesn’t give cardholders much time to pay off transferred balances. This offer is no longer available.