The best balance transfer credit card for people with bad credit is none at all. Unsecured credit cards for bad credit typically don’t allow balance transfers. And there’s no point in using most secured credit cards for this purpose. Your spending limit generally equals the amount of your security deposit, which means you can’t transfer more than you already can afford.To help illustrate the lack of quality options, WalletHub’s editors identified the “best” of the bunch.
Compare Balance Transfer Credit Cards for Bad Credit:
| Credit Card | Balance Transfer Regular APR | Balance Transfer Fee |
| Discover it® Secured | 25.24% (V) | 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)* |
| Capital One® Secured Mastercard® | 26.99% (V) | None |
| OneUnited Bank Unity Secured Credit Card | 17.99% | 3% (max $150) |
| BrightStar Credit Union Visa Platinum Secured | 11.24% - 18% (V) | None |
| Provident Credit Union Share Secured Credit Card | 12.9% (V) | 2% (min $10) |
You generally need good or excellent credit to get a decent balance transfer credit card. That means you either need to find a cosigner or improve your credit before applying. You can get customized credit-improvement advice by signing up for a free WalletHub account.
