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

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

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Understand how balance transfer limits work so you can find the right credit card to consolidate your debts.

Some balance transfers offer a low introductory interest rate for existing debts you move to the new card. This means you can save money on charges and pay off the balance faster. Some offer 0% offers for 12 months or more and are generally available to new customers only.

When you apply for a new balance transfer credit card, you’re given a credit limit that affects how much you can transfer. Usually a percentage of your limit is available for a transfer. We help you find a balance transfer credit card with a credit limit to cover your debt.

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.

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

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

  • Transfer what you can. Transfer as much of the balance that 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 will 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 consolidating your debt as high as $100,000 for 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 balance, you’ll have better luck with a high credit score. If you apply with a credit score in the good to excellent range 670 or higher, you could be approved for transfer limits up to $10,000. Check your credit history and see what you can do to improve your score.

Compare balance transfer credit cards

Name Product Balance Transfer Limit Introductory Balance Transfer APR
0% for the first 15 months (then 14.74%, 18.74% or 24.74% variable)
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees
0% for the first 18 months (then 12.74%, 16.74% or 20.74% variable)
An 18-month 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 to variable)
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
0% for the first 15 billing cycles (then to variable)
Mastercard Black Card members receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
0% for the first 15 months (then 14.74% to 25.74% variable)
Earn 10,000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months.
0% for the first 15 months (then 14.74% to 25.74% variable)
Snag a $150 bonus statement credit after you spend $1,000 in the first 3 months
0% for the first 12 months (then 14.74% to 24.74% variable)
15,000 Membership Rewards points after you spend $1,000 in the first 3 months of opening your account
0% for the first 12 months (then 14.74% to 25.74% variable)
Earn $200 bonus cash back after you spend $1,000 in the first 3 months
0% for the first 15 months (then 16.74% to 25.49% variable)
Jumpstart your financial fitness! 60 day introductory balance transfer offer, save on interest, and get your free monthly credit score.
0% for the first 15 statement closing dates (then 14.74% to 24.74% variable)
Transfer high rate balances and save on interest with an Introductory $0 balance transfer fee for the first 60 days your account is open. After that, the fee for future balance transfers is 3% (min. $10).
0% for the first 15 months (then 16.74% to 25.49% variable)
Earn unlimited 1.5% cash back on every purchase - it's automatic. No minimum to redeem for cash back.
0% for the first 12 statement closing dates (then 14.99% to 24.99% variable)
Earn more cash back for the things you buy most.

Compare up to 4 providers

Credit limits and balance transfer limits

Finding the right balance transfer credit card with a limit right for you is a straightforward process. Look at your debt and consider if you want to use the maximum credit limit offered. Check out the following case studies, where Jessica and Daniel recently transferred a balance to a new credit card to save money on credit card interest payments.

Jessica, Boston, 36

Jessica applied for the Barclaycard Arrival® Plus World Elite Mastercard® so she could pay down the $5,000 she owes on her Indigo® Platinum Mastercard® Credit Card. The Barclaycard has a 0% balance transfer offer for 12 months. Cardholders can use up to 100% of their credit limit toward a balance transfer. She previously took the maximum credit limit offered to her by Indigo card, $6,000. However, Barclaycard could only offer her a limit of $3,000 on her new credit card.

Jessica was able to transfer $2,850 from her Indigo credit card on to her new Barclaycard credit card under the balance transfer promotion. She used the interest free period on her Barclaycard to save money on that debt so she could concentrate on paying down the remaining $2,150 on her Indigo card.

Daniel, Los Angeles, 29

Daniel applied for the Barclaycard Ring™ Mastercard® to use on an overseas trip. Mastercard offered him a $10,000 limit but he decided he only needed a $2,000 limit. Even though he planned on only using the Barclaycard in an emergency, Daniel ended up maxing out it out. When he got home, he applied for a balance transfer to the UNITY Visa® Secured Credit Card, which offered a 0% intro APR for six months with a one-time 3% balance transfer fee. UNITY offered Daniel a $5,000 credit limit, but he decided to set his limit at $2,100. UNITY lets cardholders use up to their credit limit for a balance transfer, the limit on the UNITY card was enough to cover the whole debt.

Use our calculator to determine what limit you need

Your current credit cards:

Amount Owing


Card 1

Card 2

Card 3

Card 4

Card 5

Card that you are transferring to:

Intro APR

Intro Term (months)

Ongoing APR

Balance Transfer Fee

Annual Fee

Your monthly repayment

At this rate, you will not pay off your debt.
At this rate you will pay off your debt during the card's intro period

At that rate you will not pay off your debt. You will need to make higher repayments.

Months that it will take you to pay off your debt:

With a balance transfer
12 months

Without a balance transfer
15 months

Money saved transferring debt to a balance transfer card:

Savings = $1,000

By moving forward with a balance transfer credit card and transferring the maximum amount, you could be saving $1,000 on fees and interest charges.
You will save an infinite amount of money as you will not pay off your debt on your current cards at that rate.
In this case, a balance transfer card is not the best option. You might want to consider a personal loan to help consolidate your debt. You can find out more here.
Disclaimer: Whilst 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 pre-qualification for a credit card

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 balance transfer credit cards to find the card that’s right for you.

Frequently asked questions

Adrienne Fuller

Adrienne Fuller leads the publishing team at She has one goal: to deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. When she's not helping folks save money, she's hiking with her two Catahoulas around her home in San Diego.

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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?

    • finder 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?

    • finder 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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