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.
2019’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 | 15.24% - 25.24% (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.
