To help illustrate the lack of quality options, WalletHub’s editors identified the “best” of the bunch.
|Card Name||Balance Transfer Regular APR||Balance Transfer Fee|
|Discover it® Secured||24.99% (V)||3%|
|Capital One® Secured Mastercard®||24.99% (V)||None|
|OneUnited Bank Unity Secured Credit Card||17.99%||3% (max $150)|
|BrightStar Credit Union Visa Platinum Secured||10.74% - 18% (V)||None|
|Provident Credit Union Share Secured Credit Card||12.4% (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.