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.
Regions Visa Signature Premium credit card
Last reviewed: February 13, 2019
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: February 22, 2019
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: February 13, 2019
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: February 22, 2019
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: April 15, 2019
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: November 13, 2019
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.
Citi ThankYou Preferred Card
Last reviewed: December 12, 2019
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: January 28, 2019
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: January 15, 2019
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: November 16, 2017
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.