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Best Balance Transfer Credit Cards for Bad Credit
WalletHub makes it easy to find the best balance transfer credit card for bad credit.
Balance transfer credit cards for bad credit would, in theory, allow you to reduce the cost of existing debt by providing a low introductory interest rate. Reality is a bit different, though. No major issuers currently offer worthwhile balance transfer credit cards to people with bad credit.... show more... show more
Best Credit Cards for Bad Credit (June 2023)
- Capital One Quicksilver Secured Cash Rewards Credit Card - Cash Back
- OpenSky® Secured Visa® Credit Card - No Credit Check
- First Progress Platinum Prestige Mastercard® Secured Credit Card - Instant Decision
- Credit One Bank® Platinum Visa® for Rebuilding Credit - No Deposit
BALANCE TRANSFER CREDIT CARDS FOR BAD CREDIT
We're sorry, but after searching our extensive database, we were unable to locate any credit cards that match the following criteria: {{tag.tag}}{{$last ? '' : ', '}}

- Qualify with bad credit
- Does not require security deposit
- High membership fees
- High regular APR
- Foreign fee

- 1% cash back on eligible purchases
- Available to people with bad credit
- Automatic credit-line increase reviews
- Annual fee of $75 intro 1st yr, $99 after
- High APR
- Low credit limit

- Qualify with limited or no credit history
- Does not require security deposit
- Membership fees
- High regular APR
- Foreign fee

- High rewards rate
- Bonus rewards categories
- Qualify with bad credit
- Does not require security deposit
- High membership fees
- High regular APR
- Foreign fee

- Qualify with bad credit
- Does not require security deposit
- $89 one-time program fee
- $75 annual fee for the first year
- $147 in fees starting year two
- High APR

- Qualify with bad credit
- Does not require security deposit
- One-time fees
- High regular APR

- High rewards rate
- Bonus rewards categories
- Qualify with bad credit
- Does not require security deposit
- High membership fees
- High regular APR
- Foreign fee

- Qualify with limited or no credit history
- Does not require security deposit
- High membership fees
- High regular APR
- Foreign fee

- Qualify with bad credit
- Does not require security deposit
- High membership fees
- High regular APR
- Foreign fee

- Qualify with limited or no credit history
- Does not require security deposit
- One-time fees
- High regular APR
- Foreign fee
Best Balance Transfer Cards for Bad Credit

With that in mind, WalletHub’s editors identified the best credit cards for people with bad credit to improve their credit score with. Using such a card responsibly is the ticket to qualifying for a good balance transfer credit card in the future.
Popular Credit Cards for Bad Credit Comparison
Credit Card | Best For | Regular APR | Minimum Credit Score Needed |
U.S. Bank Cash+® Visa® Secured Card | Custom Rewards | 29.99% (V) | Bad |
Capital One Quicksilver Secured Cash Rewards Credit Card | Cash Back | 29.99% (V) | Bad |
Credit One Bank® Platinum Visa® for Rebuilding Credit | No Deposit | 28.74% (V) | Bad |
OpenSky® Secured Visa® Credit Card | No Credit Check | 22.14% (V) | Bad |
First Progress Platinum Prestige Mastercard® Secured Credit Card | Instant Decision | 14.99% (V) | Bad |
You generally need good or excellent credit to get a decent balance transfer credit card. You can get customized credit-improvement advice by signing up for a free WalletHub account.
Best Balance Transfer Credit Cards for Bad Credit FAQ
Comparing balance transfer credit cards for bad credit can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered.show more
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Expert Opinions
- What should people keep an eye out for when looking for a balance transfer credit card for bad credit?
Master Certified Coach (MCC), Director of Financial Planning programs, Golden Gate University
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Director of the CFP Board-Registered Financial Planning Program and Professor of Financial Planning at Virginia Tech
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Professor of Accounting Practice and Delta Sigma Pi Faculty Advisor in the Martin J. Whitman School of Management at Syracuse University
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Assistant Professor of Accounting in the School of Business at Gwynedd Mercy University
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† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. You can opt-out of sharing your personal info here.
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