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Compare balance transfer cards for good credit

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A strong credit history can increase your options for transferring debt.

Good credit doesn’t only increase your chances of approval for a credit card. It can also position you for approval on a high credit line and competitive APR on purchases and balance transfers, helping you to save on unnecessary interest — even after an intro APR expires.

Our pick for balance transfers with good credit: Blue Cash Everyday® Card from American Express

  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.99% to 25.99%.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees
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Compare balance transfer cards for good credit

Name Product Filter values Introductory Balance Transfer APR APR (Annual Percentage Rate) for Purchases Annual Fee Minimum Credit Score
0% for the first 15 months (then 14.99% to 25.99% variable)
14.99% to 25.99% variable
$0
680
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
0% for the first 12 months (then 14.99% to 25.99% variable)
14.99% to 25.99% variable
$95
670
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
0% for the first 15 months (then 14.99% to 25.99% variable)
14.99% to 25.99% variable
$0
680
Earn up to $250 back. Earn $150 back after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. Rates & Fees
0% for the first 15 billing cycles (then 13.99% variable)
13.99% variable
$0
670
A low, variable APR on purchases, balance transfers and cash advances.
0% for the first 15 months (then 14.99%, 18.99% or 24.99% variable)
14.99%, 18.99% or 24.99% variable
$0
670
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
0% for the first 18 months (then 12.99%, 16.99% or 20.99% variable)
12.99%, 16.99% or 20.99% variable
$0
670
An 18 months 0%% Intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card. See Rates and Fees
0% for the first 15 billing cycles (then 16.99% variable)
16.99% variable
$195
740
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
0% for the first 15 billing cycles (then 16.99% variable)
16.99% variable
$495
670
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
0% for the first 15 billing cycles (then 16.99% variable)
16.99% variable
$995
740
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.
0% for the first 15 months (then 16.99% to 25.74% variable)
16.99% to 25.74% variable
$0
670
0% Intro APR for 15 months from account opening on purchases and balance transfers.
0% for the first 15 months (then 16.99% to 25.74% variable)
16.99% to 25.74% variable
$0
670
0% intro APR for 15 months from account opening on purchases and balance transfers.
1.99% for the first 6 monthly billing cycles (then 16.24% to 22.24% variable)
16.24% to 22.24% variable
$0
670
1% cash back to the nonprofits, K-12 schools, colleges and religious organizations of your choice.
9.95% for the first 6 months (then 17.99% fixed)
17.99% fixed
$39
300
Borrow up to $10,000 and get your credit score back on track.
0% for the first 12 statement closing dates (then 15.24% to 25.24% variable)
15.24% to 25.24% variable
$0
720
Earn more cash back for the things you buy most.
NASA Federal Platinum Advantage Rewards Credit Card
NASA Federal Platinum Advantage Rewards Credit Card
7.9% for the first 90 days (then 11.9% to 17.99% variable)
11.9% to 17.99% variable
$0
670
Enjoy perks and save money while gaining points with every purchase.
10.99% for the first 6 months (then 24.99% variable)
24.99% variable
$0
580
2% Cashback at restaurants or gas stations on up to $1,000 in combined purchases each quarter. Plus 1% cash back on all other credit card purchases.
20.99% variable
$25
300
Establish credit history - with responsible use you may be upgraded to an unsecured credit card.
21.99% variable
$39
300
Help establish, strengthen - even rebuild your credit
20.99% variable
$29
300
Establish your credit and reap the benefits. Get worldwide purchasing power and flexibility as you work to build or re-establish your credit history.
24.99% variable
$0
300
Take control and build your credit with responsible use.
Aspire Platinum Mastercard®
Aspire Platinum Mastercard®
0% for the first 6 billing cycles (then 8.9% to 18% variable)
8.9% to 18% variable
$0
580
We'll help you score major savings with a 0% introductory APR* on purchases and balance transfers for 6 months.

Compare up to 4 providers

What’s in this guide?

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

Credit card providers consider many factors beyond your credit score. Still, with a good one, you’re well positioned for top balance transfer cards that come with:

  • High credit limits. A high limit means you can transfer higher balances, especially when credit card issuers limit balance transfers to the size of your credit limit or a certain percentage of it.
  • Lower APRs. Your APR is based on your creditworthiness, and stronger credit generally means a lower APR even after your intro period expires.
  • Rewards and perks. You might find a card that earns you rewards on your purchases, though your transferred balances might not count toward them.

How to compare cards

Good credit score opens up options that aren’t often available to those with lower scores. To find the best balance transfer card you’re eligible for, take a comprehensive look at:

  • Intro APR and length. Ideally, you’ll want to focus on cards offering no interest for a period of a year or longer, giving you the most time to repay the debts that 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 4 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 a low revert on purchases and more.
  • Transfer fee. Balance transfer fees range from 3% to 5% of your transfer amount. If you’re moving several thousand dollars to your new card, a mere 2% difference can result in hundreds of dollars on fees.
  • 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 instead 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 intro 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, like 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:

  • 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.
  • Pay more than the minimum. Knock out your balance more quickly 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.
  • 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.
  • 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.

Bottom line

Credit card providers typically reward good credit with low APRs and a 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. And work 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.

Frequently asked questions

Kliment Dukovski

Kliment Dukovski is a writer who specializes in global financial markets and personal finance, with a focus on credit cards. His main goal is to deliver honest and accurate information to help you make the right financial decision. When he's not writing about finance-related subjects, he writes sci-fi stories.

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
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