Best Balance Transfer Credit Cards for Fair Credit Scores

If you have a fair credit score, you're not entirely out of luck when it comes to balance transfer credit cards. Some credit card issuers offer more favorable terms for people with fair credit, making it possible to transfer high-interest debt to a lower-interest card.

For example, the Discover it Balance Transfer card offers 0% intro APR for 18 months on balance transfers, making it a great option for those with fair credit. This card also has no annual fee and doesn't charge a balance transfer fee for the first 60 days.

However, keep in mind that fair credit balance transfer credit cards often come with higher interest rates and fees compared to cards for people with excellent credit. The Citi Simplicity Card, for instance, offers 0% intro APR for 21 months on balance transfers, but it has a balance transfer fee of 5% of the amount transferred.

To qualify for a balance transfer credit card with fair credit, you'll typically need to have a credit score between 620 and 680.

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If you have fair credit, you still have options for balance transfer credit cards that can help you manage your debt more effectively.

The 6 best balance transfer cards for fair credit can be found in various categories, including cards with 0% introductory APRs, low balance transfer fees, and rewards programs.

Cards like these can help you save money on interest and pay off your debt faster.

For example, some of the best balance transfer cards for fair credit offer 0% introductory APRs for up to 21 months, giving you a chance to pay off your debt without incurring interest charges.

However, be aware that these cards often come with a balance transfer fee, which can range from 3% to 5% of the transferred amount.

Ultimately, the best balance transfer card for fair credit will depend on your individual financial situation and needs.

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If you're looking for a balance transfer credit card with a low APR, the Citi Diamond Preferred Card is a top pick. With a 0% intro APR period of 12 months, you can pay off your debt without raising interest.

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This card also has a low regular APR of 18.24% - 28.99% variable, making it an affordable choice for managing your finances. Plus, it comes with no annual fee.

Here are some key benefits of this card:

The Citi Rewards+ Card is a great option for those looking to earn rewards on their purchases.

The card offers a 0% introductory APR for 15 months, which can be a huge help for those who need to make a large purchase or consolidate debt.

You'll also pay a variable APR of 17.99% - 27.99% after the introductory period ends.

Introductory fees are also worth noting: 3% of each transfer ($5 min) completed within the first 4 months of account opening, and 5% of each transfer ($5 min) after that.

One of the best perks of this card is the welcome bonus: earn 20,000 bonus points after you spend $1,500 in purchases within 3 months of account opening, redeemable for $200 in gift cards at thankyou.com.

Additionally, you'll earn a total of 5 ThankYou Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.

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The Wells Fargo Platinum Card is a solid option for those looking to manage their debt efficiently. It offers a 0% intro APR for 18 months on purchases and balance transfers, giving you ample time to pay off your transferred balance.

One of the longest intro APR periods available, it's perfect for those who need extra time to get back on their feet. The regular APR is still relatively competitive, ranging from 16.49% to 24.49% variable.

There's no annual fee to worry about, making it a cost-effective choice for managing your debt. However, keep in mind that there's a balance transfer fee of 3% within the first four months, then 5%.

Here's a quick rundown of the card's key features:

Overall, the Wells Fargo Platinum Card is a great choice for those who need a little extra time to pay off their debt.

If you're looking for a balance transfer credit card with a low APR, you've got a few options. The Citi Diamond Preferred Card is a great choice, offering 0% intro APR for 21 months on balance transfers from date of first transfer.

This card also comes with a lengthy intro APR period, which is perfect for paying off debt without raising interest. The regular APR is competitive, too, at 17.24% - 27.99% variable.

One thing to keep in mind is that balance transfers must be completed within 4 months of account opening, and there's a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.

Here are some key features of the Citi Diamond Preferred Card:

The Citi Diamond Preferred Card is a solid choice for those with fair credit, offering a low APR and no annual fee.

A balance transfer credit card is a card designed to help you pay off an existing debt at a better interest rate.

These cards often have low introductory interest rates on transfers, which can save you a significant amount of money on interest charges. You can transfer your balances from one or more credit cards to a new card with a lower interest rate, often 0%, for a promotional period.

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To apply for a balance transfer card, you'll need to get approved first, which is usually a straightforward process. Then, you can move your balances and start paying off your debt faster.

Balance transfer cards generally offer low transfer fees, which can range from 3% to 5% of the transferred amount. This fee can add up quickly, so it's essential to factor it into your decision.

By using a balance transfer credit card, you can save on interest and pay off your debt faster, making it a great option for those with existing high-interest debt.

If you're considering a balance transfer credit card for fair credit, it's essential to weigh the pros and cons. Balance transfer credit cards can offer lower interest rates, simplifying your payments and helping you pay off debt faster. However, be aware that balance transfer fees can be costly.

You can reduce the cost of debt and pay it off sooner by using a balance transfer credit card. Most cards have a high regular APR, so be mindful of that.

Cards with 0% introductory APR promotions are common, making it easier to transfer balances and save money. Balance transfer fees can be costly, so factor that into your decision.

To help you visualize the pros and cons, here's a quick summary:

Balance transfer credit cards can also help you consolidate multiple balances into one payment. However, most cards require good or excellent credit, which may not be suitable for those with fair credit.

To take control of your debt, choose a balance transfer card that can help you save money and simplify your payments.

The right card can make a big difference in your financial health, as it can help you consolidate your debt and pay less interest.

Remember, the key to mastering balance transfers is to choose wisely and use the card responsibly.

Be mindful of the balance transfer fee, which can range from 3% to 5% of the transferred amount.

A lower balance transfer fee can save you money in the long run, so shop around for a card that offers a competitive rate.

With the right balance transfer card, you can simplify your payments and focus on paying off your debt.

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To find the best balance transfer credit cards for fair credit, it's essential to compare and research different options carefully. Credit scores can impact your chances of approval, and ranges may vary.

You'll want to look for cards that offer 0% interest for a long period, such as 1 to 2 years, and lower regular APR rates. For example, the Citi Simplicity Card offers 0% for 21 months with a 3% intro fee for each transfer in the first 4 months.

Regular APR rates can significantly impact your savings. For instance, the Wells Fargo Reflect Card charges 17.24% - 28.99% Variable, while the Citi Diamond Preferred Card charges 17.49% - 28.24% (V). Be sure to factor in any minimum charges or transfer fees when calculating your net savings.

Comparing different cards can be overwhelming, but looking at their features, fees, and interest rates can help you make an informed decision. Our editors rate credit cards objectively based on these factors, providing expert opinions that are unbiased by remuneration from card issuers.

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Here are some key features to consider when comparing balance transfer credit cards:

Here's a table comparing some popular balance transfer cards: