There’s no hard-and-fast rule about how many balance transfers you can do. But individual issuers may have their own policies. For instance, you can request up to three balance transfers when applying for the BankAmericard Credit Card.
Your credit line will also limit the number of balance transfers you’re able to do. The total dollar amount that you can transfer to a credit card can’t exceed the credit limit you’re approved for. You won’t be able to transfer a $10,000 balance to a credit card with a $5,000 limit, for example.
It’s also worth noting that even the best balance transfer credit cards offer money-saving terms only for a limited time. Zero percent transfer deals, and other low introductory APRs, expire after a certain number of months following account opening. And fairly high regular APRs tend to take their place. Some cards have promotional balance transfer fees, too, requiring you to transfer your balance within the first 60 days to maximize your savings. So you don’t want to space out your balance transfers too much because the longer you wait, the less you’re likely to save.
Finally, you can’t count on another 0% balance transfer credit card being available to bail you out at the end of your current card’s interest-free intro period. That means you should only transfer an amount that you can afford to pay off before regular rates kick in.