Balance Transfer Credit Cards for Fair Credit
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What is the best balance transfer credit card for fair credit?
Very few decent balance transfer credit cards are usually available to people with fair credit. And that leaves you with two options: 1) compare the available offers based on their interest rates (both introductory and ongoing) and fees (both annual and balance-transfer) to make the most of the situation; or 2) focus on credit improvement and apply for a new card when your score is good.Below, you can find a quick overview of our editors’ favorite fair credit balance transfer card. And if you want to take your credit standing to the next level, sign up for a free WalletHub account. Not only will you receive personalized credit-improvement advice, but you’ll also get free credit scores and reports that are updated daily as well as 24/7 credit monitoring.
2020’s Best Balance Transfer Credit Card for Fair Credit
| Best For... | Card Name | Intro APR | Balance Transfer Fee | Regular APR | Annual Fee | Editors' Rating |
|---|---|---|---|---|---|---|
| Students | BankAmericard® Credit Card for Students | 0% for 15 months | $0 | 14.49% - 24.49% (V) | $0 | 4.4 / 5 |
Before applying for a balance transfer credit card, make sure to plan your payments using a credit card payoff calculator. Your goal should be to bring your balance to $0 by the end of your card’s 0% introductory period.
Finally, it’s important to note that while many store credit cards offer 0% financing and require only fair credit for approval, they all use a dangerous feature called deferred interest and should thus be avoided.
Questions & Answers
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