Can I transfer a credit card debt from another person? |
Can I balance transfer a credit card from my partner?

Can I transfer debt from my partner?

Looking to consolidate a joint debt or alleviate your partner’s debt? Discover which providers allow joint balance transfers below.

Transferring a balance from your existing credit card or cards to a new credit card with a low promotional interest rate is a common way to deal with debt. What’s less common, though, is getting a balance transfer for a partner or family member’s debt.

Not all credit card providers allow this process, but there are many that do give you the option to move another person’s debt or a joint debt to your own credit card. As with any loan or credit card application, you need to meet the eligibility criteria before you’re approved for the balance transfer.

This guide outlines the different options you have, banks that allow joint balance transfers and the steps you can take to transfer a credit card debt from your partner so that you can work out the best approach when dealing with shared debts.

How to conduct a balance transfer for someone else’s debt

Financial institutions have two main options if you want to transfer someone else’s balance to an account under your name. They are:

  • Transferring the balance between two people’s names

    In this instance, you would transfer the debt from your partner’s credit card to your own credit card. Their name would be removed from the debt and yours would be placed on it, meaning you would be the only person legally responsible for the balance. In some cases, credit card issuers will require you to add your partner as an “additional cardholder” before their debt can be transferred to the new credit card. Otherwise, you may simply be able to transfer the balance from any person’s account to your own.


  • Joint accounts for the debt

    Some credit cards and other loans will allow you and your partner to apply for a joint account. This option means that you and your partner would share the legal responsibility for the account and any balance that you transfer onto it.

    To get a joint credit card account, both of you would provide your details when applying for the balance transfer credit card. Depending on the issuer, you may also request that your partner is added as a joint account holder after you have applied for the card.


The process of transferring your partner’s balance to a new card will vary depending on which of these two options you choose, as well as the specific credit card you want to use for the balance transfer. Use the below table as a guide to which banks offer these two balance transfer options for partners.

Back to top

Which banks offer joint balance transfers?

Bank/InstitutionTypes of shared accountsBalance transfer between two people’s names?Joint primary cardholders
american-express-logoAuthorized userNoNo
bank-of-americaCo-signer/joint account holder; guarantor; authorized userYesNo
barcalycardAuthorized userYesNo
capital-oneAuthorized userNoNo
chaseAuthorized userNoNo
citi-bankAuthorized userNoNo
discoverJoint account holder and authorized userYesYes
usaaJoint account holder and authorized userYesYes

Balance transfer cards you can compare

Rates last updated April 23rd, 2018
Name Product Product Description Intro APR for Balance Transfer APR for Purchases ( Purchase Rate ) Annual fee Minimum Credit Score
Blue Cash Everyday® Card from American Express
Earn $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $150 back in the form of a statement credit.
0% Intro APR for 15 months (with whichever is greater, $5 or 3% balance transfer fee)
14.49% to 25.49% variable
Fair (660-699)
The Chase Freedom® Unlimited™ credit card
Earn unlimited 1.5% cash back on every purchase – it's automatic. No minimum to redeem for cash back.
0% Intro APR for 15 billing cycles (with whichever is greater, $5 or 5% balance transfer fee)
16.24% to 24.99% variable
Fair (660-699)
Chase Slate® credit card
Jumpstart your financial fitness! 60 day introductory balance transfer offer, save on interest, and get your free monthly credit score.
0% Intro APR for 15 billing cycles (with $0 for transfers in first 60 days. Then $5 or 5% balance transfer fee)
16.24% to 24.99% variable
Fair (660-699)
BankAmericard Cash Rewards™ Credit Card
Earn more cash back for the things you buy most.
0% Intro APR for 12 statement closing dates (with whichever is greater, $10 or 3% balance transfer fee)
14.49% to 24.49% variable
Good (700-739)
HSBC Cash Rewards Mastercard®
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees
0% Intro APR for first 15 months from account opening (with whichever is greater: $10 or 4% balance transfer fee)
14.49%, 18.49% or 24.49% variable
Fair (660-699)
NASA Federal Platinum Advantage Rewards Credit Card
NASA Federal Platinum Advantage Rewards Credit Card
Enjoy perks and save money while gaining points that never expire with every purchase.
9.9% Intro APR for 90-days
11.40% to 17.99% variable
Fair (660-699)
DCU Visa® Platinum Secured Credit Card
A great way to establish or improve your credit history.
13.00% variable
Poor (Below 660)
primor® Secured Visa Gold Card
Fast, easy application process. No processing or application fees!
9.99% variable
Poor (Below 660)
Barclaycard Ring™ Mastercard®
A low, variable APR on purchases, balance transfers and cash advances.
10.49% variable
Good (700-739)
Discover it® Secured Credit Card
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.
10.99% Intro APR for 6 months (with the amount of each transfer, 3% balance transfer fee)
24.49% variable
Poor (Below 660)
Fifth Third Secured Card
Build, or rebuild, your credit with each purchase.
25.49% variable
Poor (Below 660)

Have we missed anything in the comparison table? Tell us

Compare up to 4 providers

How you can use, compare and apply for a balance transfer credit card

Back to top

How to transfer a balance from your partner’s account to your credit card

As most credit card issuers only allow one primary cardholder, transferring the debt from your partner’s debt to your credit card is probably the most likely option.

While the requirements and process you take can vary between credit card providers, the following steps can be used as a general guide when transferring someone else’s debt to a balance transfer credit card in your name. Get in touch with the institution you’re applying with for further information.

  1. Compare credit cards. Compare balance transfer credit cards to find one that has a competitive interest rate and promotional period to suit your debt consolidation needs. You’ll want to make sure it has a credit limit that can support your balance (remember that some issuers only allow you to transfer up to a percentage of your credit limit) and that you can pay off the entire debt before the promotional period ends.
  2. Check the balance transfer terms and conditions. Make sure the credit card allows balance transfers between different account names, and whether or not your partner will need to be a secondary cardholder. For cards not listed on this page, you can check the card product disclosure statement or call the issuer for more information.
  3. Apply for the credit card. You will need to provide details including your full name, address, drivers licence or passport number and employment.
  4. Include details of the balance transfer. You will need to provide details of the account, including the name and details of the primary account holder (i.e., your partner), the account number, the financial institution’s name, the BSB (where relevant) and the amount of debt to be transferred to the new card.
  5. Include details of secondary cardholders. If the issuer requires your partner to be a secondary cardholder in order to process the balance transfer from their account to your new credit card, make sure you fill out this section of the application with your partner.
  6. Submit the application. You should get an initial response within a few minutes. If you get conditional approval, follow the steps outlined by the issuer to complete the application process and finalize the balance transfer.

Once this process is successfully completed, you should receive your new credit card within 5-10 working days, although it could take up to 21 days in some cases. After you activate the new card, the issuer will process the balance transfer.

Make sure you stay in touch with the new issuer and be ready to answer any questions or provide supporting documentation as requested to help the transfer run as smoothly as possible.

Back to top

How to complete a balance transfer to a joint primary cardholder with a partner

With some credit cards, it is possible to transfer a balance from a joint account you currently share, or to transfer your partner’s credit card debt to a new joint credit card account. The important thing to remember is that not all credit cards or issuers allow you to have a joint credit card account, so you will need to make sure you have chosen a card that does offer this feature before going ahead.

  • To transfer a balance from an existing joint account
    Apply for the credit card as usual and include details of the balance transfer request, including all the names of the joint account holders, as well as the account number, financial institution and the amount of debt you want to transfer.You can go through this process with an individual credit card in your name, or apply for a credit card that offers joint account status for you and your partner.


  • To transfer a balance from your partner’s account to a new joint credit card account
    Find a credit card issuer that allows “joint primary cardholders” and compare their balance transfer credit cards.Depending on the issuer, you will either be able to apply and get joint account status immediately or apply as an individual and then have your partner request and fill out an additional application to be added as a joint primary cardholder.


See our guide on how to apply for a balance transfer for tips to improve your chances of approval.

Back to top

What is the difference between joint-primary cardholder accounts and secondary cardholders?

It’s important to understand both of these terms when you plan on sharing a credit card account with your partner or someone else, as it can have an impact on the balance transfer options as well as your legal rights.

Joint-primary cardholder accountsPrimary cardholder accounts with secondary cardholders
Two people have applied for a credit card under both cardholders’ names and both have complete access to the accountOne person has applied for a credit card in their name but wants to share the account with a partner (without joint account status)
Both have the ability to change credit limits, request account freezes or close the accountPrimary cardholder can request to add a secondary or additional cardholder but only the primary cardholder has control over credit limit changes, account freezes or account closure
Both partners have regular sources of income and good credit historiesOnly the primary cardholder has to have a regular source of income and a good credit history
Both parties remain liable for all transactions and payments made on the cardPrimary cardholder remains liable for all transactions and payments made on the card, even if a balance has been transferred from an account held by the secondary cardholder
If the closure of an account is the result of a divorce or a separation, both partners might have to pay half of the debt each, no matter who made which purchases.In the event of a separation or a divorce, know that you, as the primary cardholder, would be liable to make payments toward the entire account.
Back to top

Mistakes to avoid when transferring a balance from someone else’s card

Whether it is your own debt or your partner’s, balance transfer credit cards can be a convenient way to save money on interest and pay down the balance faster, but there are also some risks involved. Being aware of the following mistakes will help you make an informed decision about balance transfers for you and your partner when you want to consolidate credit card debt.

  • Applying for a card that doesn’t allow balance transfers from someone else’s account. Not all credit cards let you transfer another person’s credit card debt to a new card in your name. Make sure you check these details before you apply to avoid a declined application.
  • Not discussing payments with your partner. If your partner becomes a secondary cardholder on your account, or if you apply for joint account status, it’s important to be clear on how and when you will both make payments toward the balance of the credit card. Discussing this before you apply for a new card or balance transfer will reduce the risk of confusion or other issues down the road.
  • Not checking the revert rate. The low balance transfer interest rate is only available during the introductory period on the card. When this period ends, any outstanding debt from a balance transfer will attract a higher, standard interest rate until it is paid off in full.
  • Balance transfer fees. You might have to pay a balance transfer fee for the balance transfer to take effect, and this fee can vary from one card provider to the next.

While it is hard to find information about transferring a balance from your partner’s accounts to a new credit card, it is possible under some circumstances. Understanding the different options available and the varying conditions of credit card issuers means you can now find a balance transfer credit card that fits the needs of both you and your partner when you want to deal with debt.

Back to top

Balance transfer calculator

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
Back to top

Frequently asked questions

Back to top
Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.

6 Responses

  1. Default Gravatar
    alexNovember 27, 2017

    I have a Citi credit card it gives me the option to transfer to a checking account in the balance transfer tab can I do a balance transfer from my credit card to my daughter checking account with Citi even when my name is not on her account because it gives me the option to put in a account information?

    • Staff
      JoanneDecember 27, 2017Staff

      Hi Alex,

      Thank you for visiting finder, we are a comparison website and general information service.

      This page listed which banks offer joint balance transfers. Citi does not allow balance transfers between two people’s names or Joint primary cardholders. Should you need further information about the option that allows you to put in an account information, you may need to reach out directly to Citi’s customer care service.


  2. Default Gravatar
    YesicaJuly 10, 2017

    When I apply for a credit card at chase bank can I transfer the money on the credit card to another person account?

    • Staff
      AnndyJuly 11, 2017Staff

      Hi Yesica,

      Thanks for your question.

      I would like to confirm, are you referring to depositing money to another person’s bank account using your credit card?

      Kindly note that you can’t directly transfer money from your credit card to another person’s bank account. But you could try getting a money transfer service.

      With a money transfer service, you can send money to a bank account or for cash pickup, and be paying it through your credit card. However, please note that this type of transaction may attract cash advance interest. Chase and these companies offer money transfer services.


  3. Default Gravatar
    WillApril 24, 2017

    When transferring a credit balance between two people, is this considering giving or receiving income for either party?

    For example. Jane owes $4000 on her credit. She transfers the balance to her mom. Is this like receiving $4000 from her mother?
    Say for tax purposes or reporting income for child support?

    • Staff
      LiezlAugust 4, 2017Staff

      Hi Will,

      Thanks for your question.

      Assuming one’s credit card debt through a balance transfer can be considered as a gift provided that no payment is expected from the cardholder. Based on IRS gift tax guidelines, generally, the person who receives your gift will not have to pay gift tax because of it. Also, that person will not have to pay income tax on the value of the gift received. Instead, the gift tax will be paid by the donor, the mother in this case, if the value of the gifts given to a person exceeds the annual exclusion of $14,000.

      I hope this has answered your question.

      Kind regards,

US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card



Annual fee

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



Annual fee

0 For the first year
More info
The First Access VISA® Credit Card
The First Access VISA® Credit Card



Annual fee

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



Annual fee

75 For the first year
More info
Go to site