Balance Transfer Credit Cards for Fair Credit
WalletHub makes it easy to find the best credit card for you.
In general, you can lower the cost of currently held credit card debt by transferring your balance from a credit card with a high interest rate to a balance transfer credit card, which may … show more… show more
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Purchase Intro APR
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N/A
Transfer Intro APR
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0% for 12 monthsTransfer Fee: 3%
Regular APR
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10.9% - 25.9% (V)
Annual Fee
$0
Rewards Rate
1 point / $1
Minimum Credit
Fair Credit
Rewards Details
- 2,500 bonus points after your first purchase.
- Start earning 1 point for every $1 spent for all your every day purchases. Enjoy no cap or expiration date on points.
- Redeem your rewards points anytime on usaa.com or from your mobile phone — with no redemption fee.
- Redeem points for 1% cash back or use them to purchase travel, gift cards and merchandise. You can also redeem your points and donate to your favorite military affiliate group.
Additional Info
- 0% introductory APR for 12 months on balance transfers and convenience checks that post to your account within the first three months following account opening.
- With this card, you can help the Air Force Association promote public understanding of aerospace power and the pivotal role it plays in the security of the nation.
- USAA Bank makes a contribution to AFA when you open an account, make eligible purchases and keep an active account.
- Cash advance fee waived when transferring funds electronically to a USAA deposit account
- Military service members get special benefits like Deployment/PCS rate, Special 4% SCRA rate, and Help during deployment.
- See More Details & Reviews About TheAir Force Association Credit Card
Purchase Intro APR
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N/A
Transfer Intro APR
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0% for 12 monthsTransfer Fee: 3%
Regular APR
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10.9% - 25.9% (V)
Annual Fee
$0
Rewards Rate
1 - 2 points / $1
Minimum Credit
Fair Credit
Rewards Details
- Get 2,500 Bonus Points after your first purchase.
- Earn 2 points per $1 spent on gas and grocery purchases while earning 1 point per dollar on your other purchases. Enjoy no cap or expiration date on points.
- Redeem your rewards points anytime on usaa.com or from your mobile phone — with no redemption fee.
- Redeem points for 1% cash back or use them to purchase travel, gift cards and merchandise. You can also redeem your points and donate to your favorite military affiliate group.
Additional Info
- 0% introductory APR for 12 months on balance transfers and convenience checks that post to your account within the first three months following account opening.
- USAA Bank will make a contribution to the Naval Institute when you open an account, make eligible purchases and keep an active account.
- Your support helps the Naval Institute with its mission to be the organization that tests the conventional wisdom and explores the power of new ideas on national defense, the role of the sea services in preserving it and commitment to those in uniform who provide it.
- Cash advance fee waived when transferring funds electronically to a USAA deposit account.
- Military service members get special benefits like Deployment/PCS rate, Special 4% SCRA rate, and Help during deployment.
- See More Details & Reviews About TheU.S. Naval Institute Credit Card
Purchase Intro APR
→
N/A
Transfer Intro APR
→
0% for 12 monthsTransfer Fee: 3%
Regular APR
→
10.90% - 25.90% (V)
Annual Fee
$0
Rewards Rate
1 point / $1
Minimum Credit
Fair Credit
Rewards Details
- Get 2,500 Bonus Points after your first purchase.
- Start earning 1 point for every $1 spent for all your every day purchases. Enjoy no cap or expiration date on points.
- Redeem your rewards points anytime on usaa.com or from your mobile phone — with no redemption fee.
- Redeem points for 1% cash back or use them to purchase travel, gift cards and merchandise. You can also redeem your points and donate to your favorite military affiliate group.
Additional Info
- 0% introductory APR for 12 months on balance transfers and convenience checks that post to your account within the first three months following account opening.
- With this card, you can help MOAA continue to be a strong advocate for our military personnel and their families.
- USAA Bank will make a contribution to MOAA when you open an account, make eligible purchases and keep an active account.
- Cash advance fee waived when transferring funds electronically to a USAA deposit account.
- Military service members get special benefits like Deployment/PCS rate, Special 4% SCRA rate, and Help during deployment.
- See More Details & Reviews About TheMilitary Officers Association of America (MOAA) Credit Card
Purchase Intro APR
→
N/A
Transfer Intro APR
→
0% for 12 monthsTransfer Fee: 3%
Regular APR
→
10.90% - 25.90% (V)
Annual Fee
$0
Rewards Rate
1 - 2 points / $1
Minimum Credit
Fair Credit
Rewards Details
- Get 2,500 Bonus Points after your first purchase.
- Earn 2 points per $1 spent on gas and grocery purchases while earning 1 point per dollar on your other purchases. Enjoy no cap or expiration date on points.
- Redeem your rewards points anytime on usaa.com or from your mobile phone — with no redemption fee.
- Redeem points for 1% cash back or use them to purchase travel, gift cards and merchandise. You can also redeem your points and donate to your favorite military affiliate group.
Additional Info
- 0% introductory APR for 12 months on balance transfers and convenience checks that post to your account within the first three months following account opening.
- With this card, you can help MOAA continue to be a strong advocate for our military personnel and their families.
- USAA Bank will make a contribution to MOAA when you open an account, make eligible purchases and keep an active account.
- Cash advance fee waived when transferring funds electronically to a USAA deposit account.
- Military service members get special benefits like Deployment/PCS rate, Special 4% SCRA rate, and Help during deployment.
- See More Details & Reviews About TheMilitary Officers Association of America (MOAA) American Express Credit Card
Purchase Intro APR
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N/A
Transfer Intro APR
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0% for 16 monthsTransfer Fee: 2%
Regular APR
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17.49% - 19.49% (V)
Annual Fee
$0
Rewards Rate
None
Minimum Credit
Limited History
Additional Info
- Add your card to Apple Pay™, Google Pay, Samsung Pay or Microsoft Wallet for added protection.
- Cellular Telephone Protection & Auto Rental Collision Damage Waiver.
- Protection from fraud with Visa’s Zero Liability Policy.
- See More Details & Reviews About TheKeypoint Credit Union Visa Classic Credit Card
Purchase Intro APR
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0% for 6 months
Transfer Intro APR
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0% for 12 monthsTransfer Fee: $0
Regular APR
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7.99% - 17.99%
Annual Fee
$0
Rewards Rate
None
Minimum Credit
Limited History
Additional Info
- Save 10¢ per gallon when you buy fuel at Buc-ee’s using any TDECU credit card.
- $100,000 Travel Accident Insurance.
- Baggage Delay Insurance.
- Mastercard® Emergency Cardholder Services.
- See More Details & Reviews About TheTDECU Classic Mastercard®
NO FOREIGN FEE
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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 | 12.99% - 22.99% (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
Comparing balance transfer credit cards for fair credit can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered....show moreshow less
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† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended.
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