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.
Here are the best balance transfer credit cards for bad credit:
| Card Name | Annual Fee | Intro APR | Balance Transfer Fee | Regular APR | Min. Deposit Required |
| Discover it® Secured | None | 10.99% for 6 months | 3% | 24.49% (V) | $200 |
| Capital One® Secured Mastercard® | None | Not Offered | None | 24.99% (V) | $49, $99 or $200 |
| OneUnited Bank Unity Secured Credit Card | $39 | 9.95% for 6 months | 3% (max $150) | 17.99% | $250 |
| BrightStar Credit Union Visa Platinum Secured | None | 3.99% for 6 months | None | 10.24% - 18% (V) | N/A |
| Provident Credit Union Share Secured Credit Card | None | 12.15% for 6 months | 2% (min $10) | 12.15% (V) | $500 |
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.
