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 credit card with rewards
Last reviewed: October 29, 2018
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.
Regions Prestige Visa Signature credit card
Last reviewed: November 9, 2018
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.
Regions Visa Signature Premium credit card
Last reviewed: November 16, 2018
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.
HSBC Platinum Mastercard with rewards
Last reviewed: November 16, 2018
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: November 15, 2018
The balance transfer period on the M&T Visa card is relatively short and it charges a higher-than-average balance transfer fee.
Commerce Bank Special Connections Visa Signature credit card
Last reviewed: November 27, 2018
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.
Amex EveryDay Credit Card from American Express
Last reviewed: October 4, 2018
The American Express Everyday card is a prime choice for balance transfers — for the first 60 days of card membership, it lets you transfer a balance with no balance transfer fee and a long 15-month introductory period to pay it off. This offer is no longer available.
Commerce Bank Miles credit card
Last reviewed: November 16, 2017
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: February 22, 2018
The BankAmericard Better Balance Rewards card offers a unique incentive for paying more than the minimum amount due, but its standard APR is too high for carrying a balance and its 0 percent balance transfer period is relatively short. This offer is no longer available.
Citi Diamond Preferred Card
Last reviewed: November 15, 2018
The Citi Diamond Preferred card is one of our top picks for transferring a balance thanks to its extra long promotional period — which gives cardholders nearly two years to pay off an interest-free balance — and reasonable balance transfer fee. 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.