Just dug up this old 2015 balance transfer survey and honestly the market dynamics back then are pretty interesting to look at. So basically, the best balance transfer credit cards 2015 were offering 0% for about 12 months with a 3% fee - pretty standard deal. What caught my attention is how much the terms varied between issuers though. Like, some cards let you transfer balances interest-free, others would actually charge you MORE for transfers than regular purchases. Chase and Wells Fargo were playing games too, charging 5% fees if you transferred after the intro period ended. The survey found 88 out of 100 cards allowed transfers, but only 44 had actual rate cuts to make it worth your while. Most people had like 90 days to lock in the promo rate or they'd miss it. Anyway, the best balance transfer credit cards back then really depended on your specific situation - the post-intro rates ranged from 7.99% all the way up to 27%, which is wild. Definitely shows why you had to shop around carefully.