Lisa Cahill, Credit Cards Moderator
The easiest balance transfer credit card to get approved for is the KeyPoint Classic Credit Card because applicants only need limited credit to qualify. The KeyPoint Classic Credit Card also offers an introductory balance transfer APR of 0% for 16 months. However, it charges a balance transfer fee of 2% and has a regular APR of 20.74% - 26.74% (V).
Easy approval balance transfer credit cards typically don’t measure up to the best balance transfer credit cards in terms of interest rates and fees, but this offer comes close. The biggest downside is that the card will only be easy to get if you live in an eligible California city or if your employer is a member of the Irvine Chamber of Commerce or TechAmerica. Otherwise, you will likely be unable to join Keypoint Credit Union.
Best Easy Approval Balance Transfer Credit Cards
Easy approval generally means being able to qualify for a credit card with fair, bad, or limited credit. However, balance transfer credit card options are limited for people in those credit-score tiers, so a balance transfer might not make financial sense as a result. The point of a balance transfer is to get a lower interest rate and pay off existing debt faster. It’s unlikely you’ll be offered a low enough rate until you have good credit or better, unless you qualify for membership with the right credit union.
You can check your latest credit score for free on WalletHub to see where you stand. If you discover that you have less-than-good credit, you might want to consider getting a secured credit card instead. Using such a card responsibly will help you build a good enough credit score to easily get approved for a great balance transfer credit card in the future.
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