Balance transfer limits: How much can I transfer with a balance transfer card?

Discover the limit you need to consolidate your debts.

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When you apply for a new balance transfer credit card, you’re given a credit limit, which affects how much you can transfer. Usually a percentage of your limit is available for a transfer, or a flat amount. Aside from the debt itself, other factors may impact how much you can transfer.

How much can I transfer?

Credit card providers use your credit limit to determine how much debt you can transfer to a new card. While some cards will let you transfer up to 100% of your credit limit, others may cap it at 75%.

For example, if you had $10,000 worth of credit card debt and got a balance transfer card with a $10,000 credit limit, you might not be able to transfer all of the balance to the new card. A balance transfer card with a higher credit limit of $12,000, on the other hand, is more likely to allow you to move the whole debt.

The higher your credit limit, the more likely you are to meet these requirements and get your balance transfer approved.

What is the maximum balance transfer amount?

Depending on the credit card, you could be able to transfer a maximum of 70-100% of your approved credit limit. So in some cases, you may not be able to transfer all of your debt even if it’s equal to, or more than, your approved credit limit.

Our pick for a potentially high-limit 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 16.24% - 26.24%, based on your creditworthiness.
  • 0% intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, 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
  • The standard variable APR for Citi Flex Plan is 16.24% - 26.24%, 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 credit cards with high balance transfer limits

The following cards tend to have higher-than-average credit limits according to readers. However, providers rarely share the exact credit limits of their cards and a high limit isn’t guaranteed. If you apply with a good to excellent credit score you may be more likely to qualify for a higher limit.

Name Product Amount saved Balance transfer APR Balance transfer fee Recommended minimum credit score Filter values
Blue Cash Everyday® Card from American Express
0% intro for the first 15 months (then 14.49% to 25.49% 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
Capital One® Quicksilver® Cash Rewards Credit Card
0% intro for the first 15 months (then 15.49%, 21.49% or 25.49% variable)
Earn unlimited 1.5% cash back on every purchase, every day.
Chase Freedom Unlimited®
0% intro for the first 15 months (then 16.49% to 25.24% variable)
$5 or 5% of the transaction, whichever is greater
Earn a $150 signup bonus after spending $500 in the first 3 months from account opening.
CardMatch™ from
See issuer's website
Can't decide on a card? Get personalized credit card offers with CardMatch™.
Blue Cash Preferred® Card from American Express
0% intro for the first 12 months (then 14.49% to 25.49% variable)
$5 or 3% of the transaction, whichever is greater
6% cash back at US supermarkets. Rates & fees

Compare up to 4 providers

How do balance transfer limits work?

Balance transfers often come with minimum and maximum amounts that depend on a percentage of your credit limit. Credit card companies consider your credit score, monthly income and outstanding debt to determine your balance transfer limit.

For example, if you’re offered a credit card with a $5,000 limit, you may be given a balance transfer limit of $3,500. The limit includes any transfer fee you’ll pay.

There’s no real way to determine how much you’ll be approved for until you apply for a card. If you need a higher limit, you can call the provider and ask, or find another card with a higher limit. Note, however, that applying for too many cards within a short period of time can lower your credit score.

What if the limit I’m given is too low?

  • Transfer what you can. Transfer as much of the balance as you can to the new card and take advantage of the introductory rate. During this time, you’ll still need to make minimum payments on your original card and the new one.
  • Request a higher limit. Try to request a higher credit limit from the provider. It’ll require calling the issuer or visiting a local office — and there’s no guarantee that the provider will agree to it.
  • Consider other options. If you’re struggling with debt and can’t find a balance transfer card with a high enough limit, you might consider looking into personal loans. You can find personal loans for debt consolidation as high as $100,000 with APRs as low as 4%, depending on your creditworthiness.

Cards with the highest limits

If you’re looking for a balance transfer credit card with a high limit, you’ll have better luck with a high credit score. Apply with a credit score in the good to excellent range of 670 or higher to get a better chance of being approved for transfer limits up to $10,000. Check your credit history and see what you can do to improve your score.

Use our calculator to determine what you could save

Enter in your current balances and APRs, as well as the information of the card you’d like to transfer to and your monthly repayment amount to find out if the card is right for you — and how much you’ll save.

Card #1

Card that you are transferring to:

Disclaimer: While every effort has been made to ensure the accuracy of this calculator, the results should be used as indication only. Certain assumptions have been made around the repayments made. This calculator is neither a quote nor a prequalification for a credit card.

Credit limits and balance transfer limits

Finding the right limit for you is a straightforward process. Look at your debt and consider if you want to use the maximum credit limit offered.

While moving all of your debt may not be an option if the credit limit you receive isn’t high enough, you can likely still transfer a partial amount to an approved card. Just be sure if it has a balance transfer fee the cost doesn’t outweigh what you’d save on interest.

Transferring any amount frees up one credit card, and the temptation to spend using it can come up. Be sure to use both your cards, new and old, as little as possible to avoid slipping further into debt.

Bottom line

If you’re focused on getting out of debt, a balance transfer may be what you need. If you have a lot of debt and need a higher limit, consider your income and credit score to get the highest limit. It’s also important to compare other features of balance transfer credit cards, including intro and ongoing APRs, to find the card that’s right for you.

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4 Responses

  1. Default Gravatar
    MaddieJune 27, 2018

    I need to pay an 800 dollar balance as soon as possible. Two ofmy scores are 578 and 634. Those two scores are estimated to go up approximately 60 points within the next update. I need a card with $1000 limit. Any suggestions?

    • Avatarfinder Customer Care
      AshJune 28, 2018Staff

      Hi Maddie,

      Thank you for contacting finder.

      You may compare the Balance Transfer Credit Cards listed at this page which can be applicable to your current credit score. The approved credit limit will depend on the bank’s assessment of your financial situation and repayment capability.

      Kindly ensure that you have met the bank’s eligibility requirement before submitting your application.

      I hope this helps.

      Let us know if there is anything else that we may assist you with.


  2. Default Gravatar
    stephNovember 14, 2017

    can i open multiple cards to accommodate transferring all my debt?

    • Avatarfinder Customer Care
      JoshuaNovember 15, 2017Staff

      Yes, it is possible to open multiple cards to transfer all of your balances. But, you’ll want to consider the likelihood of approval for multiple cards. Here are a few things that may affect your approval.

      If you submit a lot of applications in a short amount of time, it can actually have a detrimental effect on your credit report. In turn, this could hurt your chances of a successful application.

      Each time you submit a credit card application, the credit card provider assesses your application by requesting a copy of your credit report. This is called a “hard credit inquiry” and is recorded on your report for up to two years, regardless of the outcome (which is not recorded). Hard inquiries aren’t limited to credit card applications; you get one every time you apply for any kind of loan, mortgage or utility credit. Each hard inquiry can take a few points off your credit score.

      While occasional hard enquiries are unlikely to hurt your credit score, imagine having a bunch of them together on your report within a short period of time. To a lender, it could look as if you’re desperate for credit, and definitely raises a red flag when they are assessing your application.

      That said, credit providers consider a lot more factors than merely the hard inquiries on your credit file. They also look at any other black marks such as late payments, payment defaults, court writs or bankruptcies. Plus, if you have any positive payment history on your file (such as details of a credit account you always pay on time), this could work in your favour.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

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