Best balance transfer credit cards of November 2024
Struggling with credit card debt? A balance transfer credit card can offer a lifeline. With 0% introductory APRs and flexible terms, the best balance transfer credit cards can help you consolidate high-interest debt and pay it off faster. View More
Our experts have carefully selected the best balance transfer cards based on factors like the length of the introductory period, ongoing APR, rewards and other card perks. Whether you’re looking to quickly eliminate debt or earn rewards while you pay down your balance, we’ve got you covered.
Don’t let high-interest rates hold you back! Explore our top picks for balance transfer credit cards to find the perfect card to suit your financial goals. View Less
Brooklyn Lowery
Last Updated:
CardRatings top picks for the best balance transfer credit cards
- CardName – Best for flat-rate rewards
- card_name – Best for tiered rewards
- CardName – Best for cardholder-choice rewards
- CardName – Best for rounding up rewards
- card_name – Best for easy cash back
- card_name – Best for the welcome bonus
- CardName – Best for a long 0% period on balance transfers
- card_name – Best for no late fees
card_name discontinued_disclaimer
Read our full CardName review.
Intro balance transfer APR: 0% for 18 months from account opening
Regular purchase and balance transfer APR: RegAPR
Rewards: Earn unlimited 1% back on every purchase and then earn another 1% back when you pay at least the minimum amount due on your bill each month, on time. That effectively means that you can earn 2% cash back on every purchase and this rewards-earning format encourages responsible credit card use as well, which we definitely like. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
Balance transfer fees: BalanceTransferFees
Annual fee: AnnualFees
Credit needed: CreditScoreNeeded
PROS:
- The length of the intro balance transfer period offered with this card is among the longest we've seen for a card that also earns rewards.
- This card encourages healthy payment habits by offering 1% cash back on your purchases and another 1% when you pay for your purchases.
- There are no specific spending categories for earning rewards with this card. The total 2% possible cash back you earn is one of the highest flat rates available for no-annual-fee cash back cards.
CONS:
- It offers one of the longest intro APRs for balance transfers, but there is not a 0% intro APR offer for purchases. So, while you can save money on interest if you need to transfer a balance, you will not if you need to make a new, large purchase.
- There is a balance transfer fee to consider. It's on par with other cards' balance transfer fees, but you will still need to account for this cost to determine if the balance transfer is worth it.
- Although there is no annual fee for this card, there is a foreign transaction fee which can cost you if you need to use the card for purchases outside of the U.S.
| Current Scores | Past Scores | |
|---|---|---|
| Overall Score | 77.2 | 84.7 |
| Rewards Program Satisfaction | 7.9 | 8.5 |
| Customer Service | 7.5 | 8.4 |
| Website/App Usability | 6.9 | 8.3 |
| Likelihood of Continuing to Use | 8.2 | 8.8 |
| Recommend to a Friend/Colleague | 7.7 | 8.4 |
*Scores above reflect the results of surveys with actual cardholders. Full methodology below.
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Intro APR: Introductory 0% APR on new purchases and qualifying balance transfers for 15 months from the time you open your account.
Regular APR: reg_apr,reg_apr_type
Welcome bonus: Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back.
Rewards: Cardholders earn tiered rewards in a number of other categories: 6.5% cash back on travel purchased through Chase Travel℠; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service; and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service; and unlimited 1.5% cash back on all other purchases.
Balance transfer fees: balance_transfer_fees
Annual Fee: annual_fees
Credit Needed: credit_score_needed
PROS:
- Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
- This card pairs well with other Chase Travel earning cards as rewards can be pooled under one umbrella so it's a great option to consider if you already own another Chase credit card.
CONS:
- There isn't an annual fee, but you'll be on the hook for foreign transaction fees if you use this card while abroad.
| Current Scores | Past Scores | |
|---|---|---|
| Overall Score | 78.9 | 85.0 |
| Rewards Program Satisfaction | 7.8 | 8.4 |
| Customer Service | 7.7 | 8.6 |
| Website/App Usability | 8.0 | 8.9 |
| Likelihood of Continuing to Use | 8.6 | 9.0 |
| Recommend to a Friend/Colleague | 7.9 | 8.1 |
*Scores above reflect the results of surveys with actual cardholders. Full methodology below.
card_name discontinued_disclaimer
Read our full CardName review.
Intro balance transfer APR: balance_transfer_intro_apr
Intro purchase APR: IntroAPRRate.
Regular purchase and balance transfer APR: RegAPR
Rewards: What's great about this card is that it allows you to earn bonus cash back in the category of your choice. Earn 3% cash back in one of the following six categories: gas/EVC, online shopping (including streaming, cable, internet and phone services), dining, travel, drug stores or home improvement/furnishings. You choose which category depending on where you spend the most money. Additionally, earn 2% back at grocery stores and wholesale clubs. You’ll earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then 1%, as well as 1% on all other purchases. What's more, there's a $200 online cash rewards bonus for new cardholders who spend at least $1,000 on purchases in the first 90 days of opening an account.
Balance transfer fees: BalanceTransferFees
Annual fee: AnnualFees
Credit needed: CreditScoreNeeded
PROS:
- The best category for many people with this card is going to be online shopping. That means you could earn 3% cash back on everything from party invitations to Amazon purchases to Paypal purchases (up to $2,500 in combined choice category/grocery store/wholesale club purchases quarterly).
- If you happen to be Preferred Rewards client with Bank of America, you can earn 25%-75% more on every purchase depending on your Preferred Rewards tier (tiers are based on total account balances).
CONS:
- You'll probably want to leave this card at home if you travel abroad as it does charge foreign transaction fees.
- While the rewards earning potential is great, don't forget to keep an eye on your quarterly spending. Once you hit $2,500 combined spending in your choice category/grocery stores/wholesale clubs, your earning drops to 1% until the next quarter.
- Choosing your 3% category is great, but you can only change it once a calendar month. You'll need to plan ahead a bit to maximize your earning.
| Current Scores | Past Scores | |
|---|---|---|
| Overall Score | 81.1 | 80.2 |
| Rewards Program Satisfaction | 8.1 | 8.1 |
| Customer Service | 7.9 | 8.1 |
| Website/App Usability | 8.6 | 8.1 |
| Likelihood of Continuing to Use | 9.0 | 7.9 |
| Recommend to a Friend/Colleague | 7.7 | 7.8 |
*Scores above reflect the results of surveys with actual cardholders. Full methodology below.
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Intro balance transfer APR: 0% for 15 months from the date of first transfer. Transfers must be made within the first four months.
Intro purchase APR: 0% for 15 months from account opening
Regular purchase and balance transfer APR: RegAPR
Rewards: Earn 2X ThankYou® points at supermarkets and gas stations for the first $6,000 per year and then 1X point thereafter, and 1X point on all other purchases. Points are rounded up to the nearest 10 points on every purchase, with no caps on the amount of points you can earn. New cardholders can earn 20,000 bonus ThankYou® Points after making $1,500 in purchases within the first three months. Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
Balance transfer fees: BalanceTransferFees
Annual fee: AnnualFees
Credit needed: CreditScoreNeeded
PROS:
- In addition to an interest-free balance transfer period, this card also offers a 0% intro APR period on new purchases, which is great for anyone with a large expense on the horizon.
- New cardholders have an opportunity to earn a decent welcome bonus, which isn't necessarily a given among cards that also feature excellent balance transfer offers.
- Also rare for balance transfer cards is the ability to earn rewards. This card offers a unique rewards-earning program in addition to solid 0% APR offers. For example, spend $42 at the supermarket, and you'll actually earn 90 points instead of 84.
CONS:
- This card charges a foreign_fee transaction fee on foreign purchases, so it's not the best option to travel abroad with.
- Balance transfer fees are normal with balance transfer cards, but still, it's something you'll want to keep in mind.
| Current Scores | Past Scores | |
|---|---|---|
| Overall Score | 78.7 | 75.3 |
| Rewards Program Satisfaction | 7.8 | 7.5 |
| Customer Service | 7.6 | 7.4 |
| Website/App Usability | 7.9 | 7.8 |
| Likelihood of Continuing to Use | 8.5 | 8.2 |
| Recommend to a Friend/Colleague | 7.9 | 7.3 |
*Scores above reflect the results of surveys with actual cardholders. Full methodology below.
card_name discontinued_disclaimer
Read our full card_name review.
Intro APR: You'll receive IntroAPRRate - and for any balance transfers made within 60 days of opening your account. After the introductory APR offer is over, the card will have a RegAPR.
Regular APR: reg_apr,reg_apr_type
Welcome bonus: Earn a $200 online cash rewards bonus after spending at least $1,000 in purchases within the first 90 days of opening an account.
Rewards: Earn unlimited 1.5% cash back on all purchases. If you are a Bank of America Preferred Rewards member you can earn 25%-75% more cash back on every purchase, meaning that this card could earn eligible cardholders up to 2.62% back on every purchase.
Balance transfer fees: balance_transfer_fees
Annual fee: annual_fees
Credit needed: credit_score_needed
PROS:
- Unlimited 1.5% cash back on all purchases is a solid offer for a no-annual-fee card, but if you are a Bank of America Preferred Rewards member, this card really shines. Preferred members can earn 25%-75% more cash back on every purchase, meaning that this card could earn eligible cardholders up to 2.62% back on every purchase.
- New cardholders can earn a nice cash-back bonus once approved for the card, which is nice considering not all balance transfer cards offer welcome bonus in addition to intro APR.
CONS:
- If you're willing to be savvy with how you use your cards, you could stand to earn more with other cash-back rewards cards as there are other options with higher cash-back rates. That said, it's still a good offer for eligible Bank of America bankers.
| Current Scores | Past Scores | |
|---|---|---|
| Overall Score | 83.8 | 82.8 |
| Rewards Program Satisfaction | 8.4 | 8.2 |
| Customer Service | 7.9 | 8.4 |
| Website/App Usability | 8.7 | 8.4 |
| Likelihood of Continuing to Use | 8.9 | 8.4 |
| Recommend to a Friend/Colleague | 8.3 | 8.2 |
*Scores above reflect the results of surveys with actual cardholders. Full methodology below.
card_name discontinued_disclaimer
Read our full card_name review.
PROS:
- The cash-back match welcome bonus has the potential to be quite lucrative.
- Cards offering balance transfers don't always offer perks beyond their intro APR offering, so the fact that this card earns 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, plus unlimited 1% cash back on all other purchases, is an excellent feature.
- If you're in a bit of a crunch come payment time, rest easy; Discover won't charge you a fee on your first late payment. Paying late also will not increase your APR.
CONS:
- The intro APR period on new purchases is comparatively short, so if that's an important perk to you, you might want to consider other options.
| Current Scores | Past Scores | |
|---|---|---|
| Overall Score | 81.1 | 86.5 |
| Rewards Program Satisfaction | 8.1 | 8.4 |
| Customer Service | 8.1 | 8.9 |
| Website/App Usability | 7.2 | 8.8 |
| Likelihood of Continuing to Use | 8.7 | 9.1 |
| Recommend to a Friend/Colleague | 8.2 | 8.5 |
*Scores above reflect the results of surveys with actual cardholders. Full methodology below.
card_name discontinued_disclaimer
Read our full CardName review.
Intro balance transfer APR: 0% for 21 months from date of first transfer (all transfers must be completed within the first four months)
Intro purchase APR: 0% for 12 months from account opening
Regular purchase and balance transfer APR: RegAPR
Rewards: While there aren't traditional rewards available with this card, cardholders do have special access to event tickets as well as additional perks, features. Get special access tickets to thousands of events including concerts, sporting events, dining experiences and more.
Balance transfer fees: BalanceTransferFees
Annual fee: AnnualFees.
Credit needed: CreditScoreNeeded
PROS:
- This card offers among the longest 0% intro balance transfer APRs out there at 21 months from the date of the first transfer, with all transfers being completed within your first four months. After the intro, the APR goes to RegAPR.
- You can also get a 0% intro APR for 12 months on purchases (then, RegAPR), which gives plenty of time to pay off new purchases.
- You also get benefits like special access to events as well as other card features.
CONS:
- A balance transfer fee applies with this offer, so make sure you do the math before deciding whether or not this card is right for you.
- There is no annual fee, but there are foreign transaction fees to think about if you are looking for a card to use while traveling abroad.
- This card does not offer any ongoing rewards. If you can pay down your balance in less than the allotted intro period, you might be able to save on interest and earn cash back or rewards with a different credit card that offers a shorter intro 0% APR period.
| Current Scores | Past Scores | |
|---|---|---|
| Overall Score | 74.3 | 76.6 |
| Rewards Program Satisfaction | 7.3 | 7.4 |
| Customer Service | 7.4 | 7.8 |
| Website/App Usability | 7.7 | 7.9 |
| Likelihood of Continuing to Use | 8.2 | 8.2 |
| Recommend to a Friend/Colleague | 7.2 | 7.6 |
*Scores above reflect the results of surveys with actual cardholders. Full methodology below.
card_name discontinued_disclaimer
Read our full card_name review.
Intro APR: Enjoy 0% intro APR on purchases for 12 months after account opening and 21 months on balance transfers from date of first transfer (all transfers must be completed in first four months.)
Regular APR: reg_apr,reg_apr_type
Balance transfer fees: balance_transfer_fees
Annual fee: annual_fees
Credit needed: credit_score_needed
PROS:
- No stress if you pay late. This card has no late fees or penalty interest rates.
- Having 21 months to pay off transferred balances before regular APR applies is a huge perk for someone with a large balance on their hands.
CONS:
- Besides for the lengthy intro 0% APR period, there aren't too many other bells or whistles offered with this card. It's truly designed for those needing extra time to pay off revolving balances; especially those who may struggle to pay their minimum payment on time.
| Current Scores | Past Scores | |
|---|---|---|
| Overall Score | 69.6 | 77.1 |
| Rewards Program Satisfaction | 6.9 | 7.4 |
| Customer Service | 6.8 | 7.9 |
| Website/App Usability | 7.5 | 8.4 |
| Likelihood of Continuing to Use | 7.5 | 8.4 |
| Recommend to a Friend/Colleague | 6.8 | 7.4 |
*Scores above reflect the results of surveys with actual cardholders. Full methodology below.
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How do balance transfers work?
A balance transfer is a feature offered by some credit cards which allows you to transfer a credit card balance from an existing card, to a new card. Why would you want to make a balance transfer? Usually, credit cards with balance transfer offers entice new cardholders by offering an introductory period of 0% APR. This allows cardholders a set period of time to pay off balances interest free. If you have a large debt you’re struggling to pay off and are feeling overwhelmed by interest charges, a balance transfer might be a smart option to consider. Learn more about how balance transfers work.
What is a balance transfer credit card?
A balance transfer credit card is a type of credit card that allows you to transfer an existing balance from another card, to that account. Often times balance transfer credit cards offer an introductory period of 0% APR. When you transfer a balance to a balance transfer credit card with an intro 0% APR offer, you can enjoy an extended period of time in which you don’t have to pay interest on that balance.
While balance transfer credit cards can help you take control of your debt, you should never just transfer a balance and then forget it. Once the introductory 0% APR period expires, regular APR will apply to any unpaid balances. If you’ve not paid off or greatly reduced your initial balance, you could find yourself with a greater debt than with what you started. Learn more about balance transfer credit cards.
Can I transfer balances from multiple cards to a balance transfer card?
Yes, you can typically transfer balances from multiple credit cards to a single card, as long as you don’t exceed the balance limit.
Are balance transfers good for paying off credit card debt?
Yes, balance transfers cards can help you quickly and more efficiently pay off credit card debt. If the card has a 0% intro APR period, this allows you to pay more money towards your principal balance, instead of wasting money on interest charges. It’s important to remember, however, that some cards charge balance transfer fees, and you’ll want to make sure to pay off as much of your balance as possible before the intro period expires as regular APR applies thereafter.
Is there a limit to how much I can transfer to a balance transfer card?
Yes, there is generally a set limit you can transfer to a balance transfer card. This limit is typically equal to the credit limit you’ve been given for the balance transfer card account.
Should you get a 0% balance transfer card? Pros and cons
A 0% balance transfer card can mean substantial savings, but they may not be for everyone. Here’s a quick overview of the pros and cons of these cards:
Pros:
- You could save thousands in interest charges by transferring money from a high-interest credit card to one with a 0% balance transfer offer.
- By transferring balances from numerous cards to one card, you’ll make it easy to manage your payments and track your debt – assuming you stop using the other cards.
- Zero percent interest means more of your payment is applied to the principal and that can help you get out of debt faster.
Cons:
- Once the balance transfer fee is assessed, you may not save much if you have a small balance and a relatively low APR on your current card. If you know you’ll need to carry a balance sometimes, it makes sense to prioritize finding a card with a low APR credit card over a card with stellar rewards to begin with.
- If you don’t stop using your old card, you could find yourself in even deeper debt after the balance transfer.
- Opening a new card requires a hard inquiry on your credit report which could affect your credit score.
See our full list of balance transfer pros and cons for more.
Frequently asked questions
How much can I save with a 0% balance transfer?
How much you can save with a 0% balance transfer offer depends on how much you transfer, the length of the introductory period and the interest rate on your previous card.
For instance, let's say you have a $10,000 balance on a card with an APR of 20%. If you transfer that entire balance to a card charging 0% interest, you'll save $2,000 in interest charges over the course of a year. Assuming there is a 3% balance transfer fee, your total savings for the year will be $1,700.
You can use our balance transfer calculator to input your current balance and APR to see exactly how much you can save with a 0% balance transfer offer.
When you transfer a balance on credit cards what happens?
When you successfully obtain a balance transfer credit card, you are approved to pay off existing credit card debt using your new card, up to an approved limit. There may or may not be a balance transfer fee (commonly between 3-5% of the balance transferred) and there is often an introductory period where low or 0% interest is charged on the balance you have transferred. After the introductory period expires, a higher interest rate applies to your balance. Using a balance transfer credit card successfully requires paying off as much debt as possible during the low intro APR period.
Who can qualify for a balance transfer card?
The best 0% APR balance transfer cards are usually available only to those with good or excellent credit. Typically, that means having a credit score of at least 670 or more.
Balance transfer cards for fair credit are harder to come by, and they may not offer 0% APR. Instead, they may charge a lower interest rate for their introductory period. Before signing up for one of these cards, be sure to read the fine print and calculate your potential savings - including any balance transfer fees. What's more, be aware that late payments could cause an immediate increase in the APR.
Do I need a balance transfer credit card?
If you have excellent credit and are paying a credit card balance with interest, it would be a good idea to consider a balance-transfer credit card. Having excellent credit will likely earn you a lower introductory (or ongoing) rate on your balance transfer card which can help eliminate your debt faster. For everyone else, balance transfer credit cards are a tempting option, especially if you have a higher-than-usual credit card balance, and an APR that makes the debt mount up faster than you’re able to pay it off. But, before you succumb to the temptation, take a moment to really assess what you're signing up for. If you have a "good" or "average" credit score (or lower) the APR and terms you are signing up for may not actually help your situation.
Do balance transfer cards affect your credit score?
This question doesn't have a black and white answer, but there are a few things to keep in mind. Applying for a new credit card will always affect your credit score. Each time you apply for a credit card, a hard inquiry is placed under your name, and inquiries to your credit history account for about 10% of your FICO® credit score.
On the flip side, opening a new account should help your credit utilization ratio and allow you to reduce the amount of credit you're using on each of your cards. Think of it this way: if you currently have one credit card with a $10,000 limit and a balance on $5,000, you're using 50% of your available credit. Most experts recommend keeping your utilization ratio to 30% or less, and credit utilization makes up about 30% of your credit score. If you then open a second credit card with a $10,000 limit, you've upped your available credit to $20,000 and reduced your utilization to 25% (plus, hopefully you opened that card to take advantage of lower APRs with a balance transfer). Credit utilization and credit history are reasons we don’t recommend closing the account you balance transfer from; it may have a negative impact on your overall credit score, especially if the account you aim to close has been open for a while. Credit history makes up about 15% of your FICO® credit score. Learn more: Do balance transfers hurt your credit score?
Does a balance transfer help your credit score?
In the long run, a balance transfer can improve your credit score if it helps you pay down debt. According to FICO, which offers some of the most widely used credit scores, the amount of your debt accounts for 30% of your score. The lower your debt, the higher your score.
With the best balance transfer cards, you won't be paying any interest. Barring any other fees, 100% of your payments will go toward paying down your principal, and that can help boost your score.
On the other hand, applying for a new card will result in an inquiry on your credit report. Each inquiry can drop your score temporarily by a few points. Plus, if you continue to use your old card, you may actually increase the amount of debt you owe, which can also hurt your credit score.
Bottom line: a balance transfer can help your credit score, but only if you are committed to making timely payments and avoiding future debt.
How frequently should I use my balance transfer credit card?
Using a balance transfer card when there is no fee on the line is one thing, but be warned, balance transfer cards that tout an intro offer of 0% interest and $0 fees won’t last forever. After the intro period expires, APRs can (and often do) skyrocket. Furthermore, if you have the rare card that doesn't charge a balance transfer fee for a period, be aware that period is usually only 45 or 60 days from account opening. After that (and with the vast majority of balance transfer cards from the beginning) you'll pay a 3-5% fee for each transfer. In other words, use your card responsibly and understand what the cost of your balance transfer transaction will be each time you intend to do one.
On the other hand, it's not uncommon for a balance transfer card to be a rewards card, too. While you won't earn rewards on the amount you transfer, on an ongoing basis you will earn rewards on any other purchases you put on the card, which is a nice incentive to use the card long term.
Do I have to make the transfer within a certain time frame?
Some credit cards offer a 0% balance transfer for an introductory period of, say, 15 months, BUT you have to make the transfer within the first 45 or 60 days in order to qualify for that 0% APR. Just because the intro APR lasts for a year or more, don't assume that you can make your transfer at any point during that period and still qualify for the intro APR. That said, many cards that offer balance transfer intro periods offer similar terms for purchases; in that case, your purchases will be interest free throughout that time. Either way, the introductory period will be the lowest APR you can expect from a balance transfer card, so it’s wise to use your card during that specific timeframe.
A journalist for nearly 20 years, Brooklyn has published work on a broad range of topics including personal finance and business as well as travel and human interest pieces. As a finance expert, she has provided commentary on credit cards, card rewards and personal finance for outlets including Forbes, Fox Business and many others. Her own wanderlust and travel experiences...Read more
Survey Methodology: CardRatings commissioned Op4G in September 2023 to conduct surveys among 1,869 cardholders nationwide. CardRatings website analytics from Jan. 1, 2023-Aug. 31, 2023 were used to determine a selection of the most popular cards and additional cards were included to add survey breadth. Responses to each of nine questions were given on a scale of 1-10 and respondents’ scores were then averaged under broad topics. To determine the overall score, responses from questions 1-8 were summed and the answer to “How likely are you to recommend this card to a friend, coworker or family member?” was double weighted. “Current Scores” reflect scores from the most recent survey (2023); “Past Scores” reflect scores from the 2022 survey.
Ranking Methodology: CardRatings experts review the fine print, details, perks, rewards and features of hundreds of cards and compare them side-by-side with similar cards. A card that makes an excellent balance transfer card may not make a great cash-back rewards card even though it offers those rewards. While the Best of the Year list is announced annually, that list – and all other “best of” lists on CardRatings – are regularly reviewed and updated as issuers change the terms and features of each card often.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Disclaimer:
The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.
This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.