Best Balance Transfer Credit Cards for Bad Credit

Balance transfer credit cards usually require a credit score of 700 or higher (good to excellent credit) for approval. Some student credit cards that accept applicants with limited credit offer attractive balance transfer deals from time to time, too, as do some cards for people with fair credit.

You’ll find cards with 0% balance transfer APR periods from all 10 of the biggest credit card companies right now. For example, the Citi Simplicity® Card card requires...

Yes, a balance transfer request can be denied. A credit card balance transfer can be denied if you have a poor credit history, your transfer request exceeds your credit limit, or you request to transfer a balance to another card from the same issuer, among other reasons.

You can call your credit card issuer’s customer service department to find out exactly why your balance transfer request was denied. You can also learn more about...

Yes, it’s possible to get a balance transfer credit card with bad credit, though it’s more challenging and you’re likely to end up with a card with less-than-favorable terms. The best balance transfer credit cards are reserved for applicants with good-to-excellent credit (700+ credit score). Those offers often come with lengthy 0% introductory APRs on balance transfers and high credit limits, whereas most credit cards for bad credit will require a security deposit or have low unsecured credit limits,...

You can get the most balance transfer offers by improving your credit score, paying your bills on time, and making sure you haven’t opted out of pre-approved offers. The best balance transfer credit cards are generally reserved for applicants with good-to-excellent credit and a history of making on-time payments.

You can check your latest credit score for free on WalletHub and get personalized credit-improvement tips. Also, you can opt back in for pre-approved cards, if necessary, to start getting more offers sent to you by mail or...

You can get a $500 credit card limit with bad credit by opening a secured credit card account and putting down a $500 security deposit. The credit limit on a secured card typically matches the amount of your security deposit, and most secured cards require a refundable deposit of at least $200-$300. A bad credit score will make it difficult to get a $500 credit card limit without placing a $500 deposit.

Ways to Get a...