Compare balance transfer credit cards for good credit

A strong credit history increases debt transfer options.

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Having good credit not only increases your chances of credit card approval, but it can also make you eligible for a high credit line and a competitive APR on purchases and balance transfers. This will help you save on interest — even after an intro APR expires.

Balance transfer cards for good credit

Balance transfer card for earning flat cash back

Citi® Double Cash Card
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The Citi® Double Cash Card can be an excellent choice if you’re looking for a long intro APR period on balance transfers and a solid cashback rate on all purchases once you pay off your transferred balance.

Balance transfer card for dining

Capital One® SavorOne® Cash Rewards Credit Card
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If you often dine out and want to earn cash back on your purchases while saving money on interest with a 0% intro balance transfer period, the no-annual-fee Capital One® SavorOne® Cash Rewards Credit Card could be worth considering.

Balance transfer card for rewards versatility

Chase Freedom®

The Chase Freedom® is one of the best credit card options for making balance transfers and earning an incredbilly high cashback rate of 5% on categories that rotate every quarter.

Our pick for a balance transfer card

Citi Simplicity® Card

  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
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Compare balance transfer credit cards for good credit

Name Product Amount saved Balance transfer APR Balance transfer fee Recommended minimum credit score Filter values
Citi Simplicity® Card
0% intro for the first 21 months (then 14.74% to 24.74% variable)
$5 or 5% of the transaction, whichever is greater
With an intro APR of 21 months, this card has one of the longest balance transfer offers on the market. Plus, no late fees and no annual fee.
Citi® Diamond Preferred® Card
0% intro for the first 21 months (then 13.74% to 23.74% variable)
$5 or 5% of the transaction, whichever is greater
Get one of the best balance transfer intro APR promotions available. Plus, access Citi Entertainment℠ to purchase tickets to concerts, sporting events, dining experiences and more.
Citi® Double Cash Card
0% intro for the first 18 months (then 13.99% to 23.99% variable)
$5 or 3% of the transaction, whichever is greater
This one of the most valuable flat cashback cards. It comes with 2% cash back (1% when you buy plus 1% when you pay) and 18 months months to pay off transfers.
Blue Cash Everyday® Card from American Express
0% intro for the first 15 months (then 12.99% to 23.99% variable)
$5 or 3% of the transaction, whichever is greater
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
Citi Rewards+℠ Card
0% intro for the first 15 months (then 13.49% to 23.49% variable)
$5 or 3% of the transaction, whichever is greater
Get rewards on gas and groceries with no annual fee. Ideal for everyday use, it's the only card that rounds purchases up to the nearest 10 points.

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What to expect from balance transfer cards if you have good credit

With a good score, you can be eligible for top balance transfer cards that come with high credit limits, lower APR and a rewards program. Here are other things to look out for with this type of card:

  • Intro APR period length.
    Ideally, you’ll want to focus on cards offering no interest for a year or longer so you have the most time to repay debts you transfer.
  • Time limits.
    Many cards with no- or low-interest intro APRs will require you to make the transfer within a limited time frame. The amount of time can range from 60 days all the way up to four months following your account opening.
  • Ongoing APR.
    After your intro APR period expires, you don’t want to be stuck paying a high APR — and potentially undoing your savings. Look for low revert rates after the intro APR period.
  • Transfer fee.
    Balance transfer fees range from 3% to 5% of your transfer amount. This can add up fast, depending on how big your transfer is. If you’re looking to completely avoid paying balance transfer fees, look for credit-union issued cards.
  • Annual fee.
    A card with an annual fee doesn’t guarantee a longer intro APR or stronger rewards. Weigh the savings or rewards your new card offers against your spending habits before determining the fee is worth it.
  • Partial transfers.
    Some cards outright decline your request if the amount you’re looking to transfer exceeds your credit limit, while others accept partial balance transfers. Carefully read the terms and conditions to avoid a surprise down the road.

Who is a balance transfer card good for?

Balance transfer cards can be a good tool if you’re paying a high APR on another card’s debt. Moving your existing balances from other cards can help you:

  • Save money.
    If you’re set to pay $200 in interest on another card, transferring your balance to a card offering a 0% intro APR can help you keep that $200 in your pocket if you pay off your debt before your rate reverts.
  • Pay off debt faster.
    When none of your payment is diverted to cover the interest, more of it goes toward doing away with your debt.
  • Consolidate debt.
    If you’re stuck paying high APR on several cards, transferring your remaining balances to a single card brings your statements down to one.

How to apply for a balance transfer card

Most balance transfer card providers offer cards to applicants who are at least 18 years old and reside in the US.

While the exact information you’ll need to complete your application can vary by provider, you’ll likely submit:

  • Your personal contact information.
  • Your Social Security number and date of birth.
  • Your residential status.
  • Financial details, such as your annual salary and other income.

Some credit cards allow you to request your balance transfers on the application itself with:

  • Account details for the debt you’re hoping to transfer.
  • The amount to transfer to your new card.

4 tips to making the most out of your balance transfer card

The best way to leverage the benefits of a balance transfer card is to focus on doing away with your debt, rather than the perks banks and providers use to lure you in:

  1. Make sure you’ll save money. A balance transfer card with an annual fee and high transfer fees can eat into your savings. The interest you’ll save on your debt should outweigh the card’s costs.
  2. Pay more than the minimum. Knock out your balance quicker by paying as much as you can beyond your statement’s minimum. Find the magic number by dividing your remaining balance by the months left in your intro period.
  3. Avoid additional purchases. Many cards prioritize your payment toward new purchases, which could threaten your ability to repay your transfers before the end of your intro. Hold off on swiping your card until your balance is down to $0.
  4. Heed the revert rate. If you don’t pay off your balance by the end of your intro period, your rate reverts to the everyday APR. Adopt your revert date as your payoff deadline if you can to avoid paying more than you need to.

Bottom line

Credit card providers typically reward good credit with low APRs and high credit limits, which can help you get the most out of a balance transfer card. Before applying, weigh any annual or balance transfer fees against the money you’ll save on interest. Try to pay it all off before your intro period expires.

Learn more about how balance transfers work, and compare balance transfer cards to see how they can help you pay off your debt while saving on interest.

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