Mark Towers, WalletHub Credit Card Analyst
Balance transfer credit card approval odds for people with good credit are high. Compared to people with fair or bad credit, those with good credit have much higher approval odds for balance transfer cards. Plus, they have a much broader selection of cards with good balance transfer offers to choose from. Some balance transfer cards available to people with good credit include the U.S. Bank Visa® Platinum Card - an intro APR of 0% for 18 billing cycles with 3% (min $5) transfer fee and 19.24% - 29.24% (V) regular APR after that - and the Citi® Diamond Preferred® Card - an intro APR of 0% for 21 months with 5% (min $5) transfer fee and 17.74% - 28.49% (V) regular APR after that.
You don't need excellent credit to get a decent balance transfer credit card, but good credit seems to be most credit card companies' threshold of trust when it comes to taking on outside debt. Below a good credit standing, it's hard to find a 0% APR balance transfer deal.
2023's Best Balance Transfer Credit CardsCompare Cards
Robert Baskins, Member
The odds of being approved for balance transfer credit card with good credit are high.
The best you can get are the Wells Fargo Reflect® Card and the Discover it® Balance Transfer card.
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