The Bryant State Bank MasterCard offers an introductory 3.25% APR on balance transfers for 6 months with no balance transfer fees; after the intro period expires, the everyday interest rate is a relatively reasonable 11.25%. Some quick simple math shows that the 3.25% intro BT for 6 months with no fees is a better deal than, say, a 0% BT for 6 months with a 3% uncapped fee.

This is not a rewards card, and it does carry a $20 annual fee. However, one other “feature” that may make this card more attractive to some is that the issuer claims only a “fair” credit score is required for acceptance.

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