Advertising Disclosure *Advertising Disclosure: is an independent, advertising-supported comparison service. receives compensation from the credit card issuers whose credit card offers appear on the website. The compensation may impact the order in which they appear within listing categories. does not include the entire universe of available credit or financial offers.

About Editor's Picks: Our editor selects credit cards based on the features the credit card offers consumers, including introductory rates, fees, long term interest rates, and its relative value compared to competing offers. While this site receives remuneration from credit card companies, our rankings strive to objectively provide consumers with relevant, unique options.

Consumer Credit Card Reviews & Benefit Analysis

Credit card reviews from Smart Balance Transfers focus on helping consumers uncover value. Drawing from our editor’s seven years of experience in the credit card industry, we aim to provide a unique insight into the intricacies of credit card marketing language so our visitors can feel confident in the credit cards they choose to apply for.

The SBT approach to credit card reviews is based on the notion that there is no such thing as a “best credit card.”  Every individual has unique credit card needs and we strive to help our visitors find credit cards that provide them with the greatest opportunity to save money with low rates or earn money with credit card rewards.

Most Popular Credit Card Reviews

Chase SlateSlate® from Chase Review:  Chase’s primary value credit card offers a competitive 0% rate that lasts 15 months on purchases and balance transfers. However, the unique benefit of this offer is that the card charges no fees on balance transfers.


Citi Simplicity® Citi Simplicity® Card Review : The Citi Simplicity® card offers the longest 0% introductory rates on purchases and balances transfers presently available*. It also differs from most credit cards in that it does not charge late fees or penalty rates. These are unique benefits some consumers will find beneficial in the long run.

Chase SapphireChase Sapphire Card ® Review:  Chase offers two versions of their Sapphire card. While both cards offer substantial sign-up bonuses – $100 for the no fee Sapphire and $400 to $500 for the Sapphire Preferred card – there are substantial differences between these cards. Chase Sapphire Preferred is targeted to large spenders and international travelers. It offers a 25% bonus when rewards are used for travel and charges no foreign transaction fees. The no annual fee Sapphire card lacks these features, but offers very competitive value and a sign-up bonus worth considering.

0% APR Credit Card Reviews

Citi® Diamond Preferred® MasterCardCiti® Diamond Preferred® Card Review:  The Citi® Diamond Preferred® Card essentially offers the exact same benefits as the Citi Simplicity® Card. Applicants get a 0% interest rate for 18 months on purchases and balance transfers, plus a similarly low long term interest rate*. Ultimately, the primary difference between these two value products is the color of the card.

Rewards Credit Card Reviews

Capital One Venture CardCapital One Venture Card Review:  The Capital One Venture card is one of the highest yielding rewards cards on the market. Consumers earn two miles for every dollar spent. These miles can be redeemed for statement credits against any travel purchases made, essentially making this a 2% cash back credit card.

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