Chip Lupo, Credit Card Writer
@CLoop
The best balance transfer credit card for a 700 credit score is the Citi Simplicity Card because it offers an introductory balance transfer APR of 0% for 21 months. It also has a $0 annual fee, though you will be charged a 3% intro fee ($5 min) for each transfer in first 4 months, and 5% ($5 min) for each transfer after that. Once the introductory period is over, the card’s regular APR of 18.24% - 28.99% (V) will apply to any remaining balance.
On top of that, the Citi Simplicity Card card offers an introductory purchase APR of 0% for 12 months.
Best Balance Transfer Credit Cards for a 700 Credit Score
A 700 credit score means you have good credit, which helps you qualify for the best 0% intro APR balance transfer credit card offers. With a 0% APR on balance transfers, you won't have to pay any interest on debt you transfer to the card for a while. Please note that having a 700 credit score alone does not guarantee approval because it depends on your overall creditworthiness.
Finally, keep in mind that lenders might use a different score when deciding whether to approve you for a financial product and approval is never guaranteed.
For more options, you can check out WalletHub’s full list of the best 0% APR balance transfer credit cards.
Popular Balance Transfer Credit Cards from Our Partners
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0% for 21 Months from Account Opening
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No Balance Transfer Fee
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Cash Back
People also ask
Do balance transfers hurt your credit?
Yes, balance transfers do hurt your credit when you open a new credit card account to do the transfer. Applying for a balance transfer credit card will generate a hard inquiry on your credit report, causing a slight dip in your credit score.
If you transfer a balance to an existing credit card account, however, there is no hard inquiry and no credit score damage. A balance transfer could still result in high credit utilization, though, and allow you...
read full answer by WalletHub, Financial CompanyCan a balance transfer request get denied?
Yes, a balance transfer request can be denied. A credit card balance transfer can be denied if you have a poor credit history, your transfer request exceeds your credit limit, or you request to transfer a balance to another card from the same issuer, among other reasons.
You can call your credit card issuer’s customer service department to find out exactly why your balance transfer request was denied. You can also learn more about...
read full answer by Chip Lupo, Credit Card WriterWhat credit score do you need for a balance transfer card?
Balance transfer credit cards usually require a credit score of 700 or higher (good to excellent credit) for approval. Some student credit cards that accept applicants with limited credit offer attractive balance transfer deals from time to time, too, as do some cards for people with fair credit.
You’ll find cards with 0% balance transfer APR periods from all 10 of the biggest credit card companies right now. For example, the Citi Simplicity® Card card requires...
read full answer by Rodney Bennett, WalletHub AnalystDid we answer your question?
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