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.
Alliant Visa® Platinum Rewards Credit Card
Last reviewed: August 29, 2024
The Alliant Visa® Platinum Rewards Credit Card gives you 2% cash back with no annual fee, along with flexible rewards options. When you throw in the introductory APR offer, it’s a hard cash back card to beat. This card offer is no longer available on our site.
Power Cash Rewards Visa Signature® Card
Last reviewed: November 15, 2023
Though the Power Cash Rewards Visa Signature® Card comes with a very reasonable regular APR, the interest-free period for balance transfers is far too short.
SunTrust Travel Rewards card
Last reviewed: May 8, 2020
With a 15-month introductory period for balance transfers and a decent rewards rate, the SunTrust Travel Rewards card offers good value as a balance transfer card.
Amex EveryDay Credit Card from American Express
Last reviewed: September 20, 2024
If you pay close attention to your card usage, the American Express Everyday card can deliver a great bonus rate on U.S. supermarket purchases, but there are many cards that offer better overall rewards for a lot less work. This offer is no longer available on our site.
Information about this card has been collected independently by CreditCards.com. The issuer did not provide the content, nor is it responsible for its accuracy. See similar rewards credit cards.
BBVA Compass ClearPoints credit card
Last reviewed: February 21, 2022
The BBVA Compass ClearPoints card offers a lower minimum interest rate than most of its competitors and a long introductory period; however, its balance transfer fee is on the high side for a balance transfer card.
State Farm Rewards Visa
Last reviewed: May 8, 2020
One of the few cards on the market that rewards cardholders for paying bills, the State Farm Rewards Visa pairs a unique rewards program with a modest interest-free promotion, but its standard card APR is a little high for carrying a balance.
View similar balance transfer cards
Platinum Rewards Visa Signature® Card
Last reviewed: December 1, 2022
The promotional period for balance transfers on the Platinum Rewards Visa Signature card is on the short side, but, if you stick around after your balance is paid down, you’ll have a good travel rewards card with very reasonable rates and fees.
TD First Class Visa Signature credit card
Last reviewed: September 10, 2020
A poor choice for cardholders on a budget, the TD First Class Visa Signature card charges a high annual fee in exchange for modest rewards and a relatively short 0 perfect balance transfer promotion.
M&T Visa Signature card
Last reviewed: March 4, 2021
This inexpensive rewards card offers a fair amount of value cardholders who want affordable rewards without the fuss: In lieu of a costly and complicated rewards scheme, it offers a low APR and 1.5 percent cash back on every purchase.
U.S. Bank Cash 365 American Express Card
Last reviewed: September 10, 2020
The U.S. Bank Cash 365 card’s introductory period for balance transfers is on the short side and the regular APR is high, though cardholders may enjoy the card’s high rate of cash back on every purchase if they can manage to pay down their balance. This offer is no longer available on our site.