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Editor's Choice Awards: Best Credit Cards of 2014

By cardratings.com, CardRatings contributor
Updated, March 18, 2015
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Best balance transfer credit cards

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When you don't need a lot of rewards, perks or hand-holding, some basic credit cards offer excellent opportunities to save money on finance charges.

  • Chase Slate®. This no-frills card includes access to Blueprint, Slate's clever budgeting tool that lets consumers figure out how to make balances disappear faster. Chase Slate is also offering both a zero-percent introductory balance-transfer APR and no balance transfer fee (for transfers made during the first 60 days -- after that, the fee for future balance transfers is 3 percent of the amount transferred with a minimum of $5). This card offers a 15-month zero-percent introductory APR on balance transfers and purchases. After the introductory period ends, a variable APR of 12.99 percent, 17.99 percent or 22.99 percent applies.
  • Discover it®. The latest iteration of Discover's flagship card boasts friendly customer service and competitive APRs for households trying to knock down debt.
  • PenFed Promise Visa® Card. This credit union offers some of the country's lowest introductory APRs for balance transfers, with no balance-transfer fees. It's worth noting that credit union membership is a requirement but not a guarantee than an applicant will be approved for this credit card.

What our editors love: Although no-fee balance transfers have become scarce in today's market, some banks have chosen to take their profit on the front-end of the transfer by locking in below-market APRs for reliable consumers.

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