Credit Scores That Get Balance Transfer Credit Cards

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Updated on Thursday, October 1, 2020

If you’re someone who struggles with credit card debt and high interest rates, a balance transfer might be a way to dig yourself out of indebtedness. There are various balance transfer credit cards that offer long 0% intro APR periods that provide you with ample time to pay off your balance. Depending on your credit score, you may qualify for some of the cards we list below.

Keep in mind that the credit score ranges listed below don’t guarantee that you will be approved for a card simply because you fall within the given credit range. Lenders consider numerous factors when determining eligibility.

Excellent credit

Chase Freedom®

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The information related to Chase Freedom® has been independently collected by MagnifyMoney and has not been reviewed or provided by the issuer of this card prior to publication.

Chase Freedom®

Intro BT APR
0% Intro APR on Balance Transfers for 15 months
Regular Purchase APR
14.99% to 23.74% Variable
Balance Transfer Fee
3% when you transfer during the first 60 days of account opening, with a minimum of $5
Credit required
good-credit
Excellent/Good
Citi Simplicity® Card - No Late Fees Ever

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The information related to Citi Simplicity® Card - No Late Fees Ever has been independently collected by MagnifyMoney and has not been reviewed or provided by the issuer of this card prior to publication.

Citi Simplicity® Card - No Late Fees Ever

Intro BT APR
0% for 18 months on Balance Transfers
Regular Purchase APR
14.74% - 24.74% (Variable)
Balance Transfer Fee
Balance transfer fee – either $5 or 3% of the amount of each transfer, whichever is greater.
Credit required
good-credit
Excellent/Good
Citi® Double Cash Card – 18 month BT offer

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The information related to Citi® Double Cash Card – 18 month BT offer has been independently collected by MagnifyMoney and has not been reviewed or provided by the issuer of this card prior to publication.

Citi® Double Cash Card – 18 month BT offer

Intro BT APR
0% for 18 months on Balance Transfers
Regular Purchase APR
13.99% – 23.99% (Variable)
Balance Transfer Fee
3% of each balance transfer; $5 minimum.
Credit required
good-credit
Excellent
Wells Fargo Platinum card

The information related to Wells Fargo Platinum card has been independently collected by MagnifyMoney and has not been reviewed or provided by the issuer of this card prior to publication.

Wells Fargo Platinum card

Intro BT APR
0% for 18 months on qualifying balance transfers
Regular Purchase APR
15.49%-24.99% (Variable)
Balance Transfer Fee
3% for 120 days, then 5%
Credit required
good-credit
Excellent/Good

Good credit

Citi Simplicity® Card - No Late Fees Ever

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The information related to Citi Simplicity® Card - No Late Fees Ever has been independently collected by MagnifyMoney and has not been reviewed or provided by the issuer of this card prior to publication.

Citi Simplicity® Card - No Late Fees Ever

Intro BT APR
0% for 18 months on Balance Transfers
Regular Purchase APR
14.74% - 24.74% (Variable)
Balance Transfer Fee
Balance transfer fee – either $5 or 3% of the amount of each transfer, whichever is greater.
Credit required
good-credit
Excellent/Good
Citi® Double Cash Card – 18 month BT offer

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The information related to Citi® Double Cash Card – 18 month BT offer has been independently collected by MagnifyMoney and has not been reviewed or provided by the issuer of this card prior to publication.

Citi® Double Cash Card – 18 month BT offer

Intro BT APR
0% for 18 months on Balance Transfers
Regular Purchase APR
13.99% – 23.99% (Variable)
Balance Transfer Fee
3% of each balance transfer; $5 minimum.
Credit required
good-credit
Excellent

Fair credit

We recommend using LendingTree to shop for the best personal loan. You can fill out a single online form, and may receive up to five loan offers from up to five different lenders. By using LendingTree to look for a personal loan, a soft credit pull is performed, which means your credit score will not be negatively impacted. Here are options for fair credit:

Aspire Platinum Mastercard® from Aspire FCU

Intro BT APR
0% Intro APR on Balance Transfers for 6 months
Regular Purchase APR
8.15% - 18.00% Variable
Balance Transfer Fee
$5 or 2% of the amount of each balance transfer, whichever is greater
Credit required
fair-credit

Average

LendingTree

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LendingTree

Loan Amount
up to $50,000
Term
24 to 60 Months
APR Range
As low as 2.49%
Origination Fee
Varies
Credit Required
Minimum 500 FICO®
Soft Pull
Compare offers without hurting your score.

LendingTree is not a lender. LendingTree is unique in that you may be able to compare up to five personal loan offers within minutes. Everything is done online and you may be pre-qualified by lenders without impacting your credit score. Terms Apply. NMLS #1136.



As of 17-May-19, LendingTree Personal Loan consumers were seeing match rates as low as 2.49% (2.49% APR) on a $20,000 loan amount for a term of three (3) years. Rates and APRs were based on a self-identified credit score of 700 or higher, zero down payment, origination fees of $0 to $100 (depending on loan amount and term selected). Terms Apply. NMLS #1136

New, Poor, or Bad credit

*The credit score ranges listed above are for FICO Scores and obtained from Experian.

FAQ

The amount of time your have to complete your transfer will vary by credit card. Many cards require you to complete your transfer between 30 to 60 days from account opening, but check your specific card agreement for specifics. A good rule of thumb is to complete your transfer as soon as possible; the 0% intro APR period often starts from the day your account is opened.

Many cards charge a balance transfer fee ranging from 3 to 5% of the amount you transfer. So if you transfer $1,000 to a card with a 3% fee, you will accrue a $30 fee and owe $1,030. But be advised: There are cards that have $0 intro transfer fees.

Any remaining balances will accrue interest. The rate depends on your card agreement.

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