Three best ways (and three worst ways) to finance holiday shopping

5. UBS Preferred Visa Signature Credit Card (worst)

Arnd Wiegmann/Reuters
The UBS logo is placed in front of a Zurich office of the Swiss bank in this December 2012 photo. Card Hub says UBS's Preferred Visa Signature credit card has the worst balance transfer deal among credit cards.

Card Hub named this the worst balance transfer credit card on the market because it has the least attractive introductory offer – 9.99 percent for six months – and charges a 3 percent balance transfer fee as well as a $495 annual fee.
 

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