Does it matter who issues my balance transfer credit card or what network it's on?

Not really. The fees and APRs that your balance transfer credit card charges are far more important than the company that issues it or the network it’s on.

The issuer of your balance transfer credit card really only matters when it comes to rewards and customer service. Most credit card companies will not reward you with points, miles or cash back on transferred balances. But some do, at least with select cards. Furthermore, each major credit card issuer has its own distinct reputation. However, even the best rewards can’t stand up to a hefty balance transfer fee. And besides submitting your application and monthly payments, you probably won’t have much to do with the issuer of your balance transfer credit card. So better terms trump better customer service in most cases.

Your balance transfer card’s network (i.e. Visa, Mastercard, Discover or American Express) is even less important than its issuer. Card networks simply dictate where you can make purchases. And it’s best not to make purchases with a balance transfer credit card. If you do, interest will begin accruing immediately, since carrying a balance from month to month removes your grace period.

The network only matters if you're planning to use the balance transfer card after you're done paying the balance off. As far as issuers go, that may come into play if you are looking to transfer someone else's balance, or the type of credit that you're looking to transfer.

The issuer matters more. Issuers have specific policies and promotions for balance transfers. Networks just matter in terms of card acceptance and benefits not related to balance transfers, such as travel benefits etc.