The best high limit balance transfer credit card is Chase Freedom Unlimited because it has a $3,000+ credit limit, a 0% APR on balance transfers for 15 months, and a $0 annual fee. However, it does charge a 5% balance transfer fee.
There are plenty of other cards with high credit limits in general, like Chase Sapphire Reserve ($10,000 minimum) and Capital One Venture ($5,000 minimum). But you also have to consider their balance transfer terms. Cards with high limits tend to be travel rewards cards, with lots of miles but little financing appeal. They’re geared toward paying for airfare and hotels—things that can add up quickly. These high limit cards tend to not have any kind of 0% introductory APR on balance transfers.
So you want to find a happy medium – a balance transfer credit card with a high limit, a low APR and low fees.
Here are some high limit balance transfer credit cards:
Chase Freedom Unlimited Credit Card: $3,000 minimum limit.
The APR on balance transfers is 0% for the first 15 months, with a 5% ($5 min) transfer fee. After that, the APR is 16.74% - 25.49% (V). The transfer cannot exceed your credit limit or $15,000, whichever is lower. Excellent credit required. No annual fee.
Capital One Quicksilver: $1,000 minimum limit
There’s 15 months of no interest on balance transfers, with a 3% fee. After that, it’s 14.74% - 24.74% (V). Good credit required. This card has no annual fee.
Chase Slate Credit Card: $500 minimum limit.
Balance transfers completed in the first 60 days get a 0% APR for the first 15 months. Afterward, it’s 16.74% - 25.49% (V). There’s no transfer fee. Your balance transfer can’t exceed your credit limit or $15,000, whichever is lower. Good credit is required.
Citi Double Cash: $500 minimum limit.
Balance transfers completed in the first 4 months get 0% for the first 18 months. After that, it’s 15.24% - 25.24% (V). The transfer fee is 3% or $5, whichever is higher. There’s no annual fee and good credit is required.
Capital One Venture Rewards Credit Card: $5,000 minimum limit.
The balance transfer APR is 14.74%-24.74%. There’s no transfer fee and you can use your whole credit limit. Good credit is required. The Venture card has no annual fee the first year, but it’s $95 each year after.
Chase Sapphire Reserve Credit Card: $10,000 minimum limit.
The balance transfer APR is 17.74%-24.74%. There’s a 5% ($5 min) transfer fee. Plus, you’ll have to pay a $450 annual fee. Excellent credit is required.
As you can see, high limit balance transfer credit cards don’t necessarily equal the best balance transfer offers. And saving on finance charges by switching to a card with a 0% introductory period is the whole point of a balance transfer. So if you’re having a hard time finding a good card that lets you transfer your balance in full, you might want to consider a partial balance transfer instead.
You should also note that not all credit cards allow your full credit limit to be used for a balance transfer. And if you do use your entire credit limit, you’ve maxed out your credit card. That’s not good for your credit score.