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.
PNC Points Visa
Last reviewed: February 24, 2021
The PNC Points Visa card offers cardholders with excellent credit a relatively low interest rate and a modest 12-month interest-free promotion on purchases and balance transfers; however, the card’s rewards rate is less generous than it seems and its APR for some cardholders is high.
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.
SunTrust Cash Back credit card
Last reviewed: February 22, 2021
For cardholders with the best credit scores, the SunTrust Cash Back card is a great choice for transferring a balance: It offers a low minimum interest rate, modest balance transfer fee and lengthy interest-free promotion; however, cardholders with lower scores could get stuck with a much higher standard interest rate.
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Barclay Choice Privileges Visa Signature card
Last reviewed: November 23, 2020
The Barclay Choice Privileges card is the rare hotel card to offer an introductory period for balance transfers, and it’s a good deal if you’re looking for a long period to pay off your balance transfer as well as a rewards card that’s worth keeping in the long run.
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U.S. Bank Cash+® Visa Signature® Card
Last reviewed: April 23, 2024
For cardholders who don’t mind a hands-on approach to earning card rewards, the U.S. Bank Cash+ offers more choice and flexibility than most of its competitors as well as a decent amount of cash back on everyday purchases.
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Gold Visa® Card
Last reviewed: August 31, 2023
The introductory period for balance transfers is on the short side; however, the Gold Visa® card can save you money in the long run due to its very reasonable rates and fees.
Mastercard® Gold Card™
Last reviewed: April 9, 2024
The Mastercard Gold Card comes with a long introductory period for balance transfers and a reasonable regular APR for new purchases — however, many cardholders may find the $995 annual fee unaffordable .
Citizens Bank Cash Back Plus World MasterCard
Last reviewed: January 11, 2021
The Citizens Bank Cash Back Plus World MasterCard offers an outstanding rewards rate on everyday purchases and a lengthy 0 percent balance transfer offer; but its standard APR is on the high side for a balance transfer card.
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Wells Fargo Cash Wise Visa® card
Last reviewed: December 29, 2022
The introductory period for balance transfers on the Wells Fargo Cash Wise Visa card is fairly long, and the card is worth keeping in the long run for its cash rewards program.
All information about the Wells Fargo Cash Wise Visa® card has been collected independently by CreditCards.com. The issuer did not provide the content, nor is it responsible for its accuracy.