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Editor's Choice Awards: Best Credit Cards of 2014

By cardratings.com, CardRatings contributor
Updated, December 14, 2014
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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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About Our Ratings ×

Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. Ratings vary by category, and the same card may receive a certain number of stars in one category and a higher or lower number in another.

The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers.

Advertisers in our database are highlighted, and advertisements include an option to apply using links on our site. CardRatings.com may be compensated by companies mentioned on the site when a user's application is accepted or approved by such companies.

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