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.
State Farm Good Neighbor Visa
Last reviewed: May 8, 2020
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 15, 2023
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.
PNC CashBuilder Visa credit card
Last reviewed: March 10, 2021
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.
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.
Wyndham Rewards Visa card
Last reviewed: January 7, 2021
The 15-month introductory period on the Wyndham Rewards Visa is a long one, though you’ll need to consider whether Wyndham’s short shelf-life on its rewards points makes the rewards program on the card worthwhile. 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.
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.
Barclaycard Arrival Plus World Elite Mastercard
Last reviewed: September 10, 2024
One of the most generous travel cards around, the Barclaycard Arrival Plus World Elite Mastercard is a great choice for earning free travel; but it’s too expensive to carry a balance on. This card 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.
Citi ThankYou Preferred Card
Last reviewed: November 15, 2023
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.