Find the top balance transfer credit cards designed for individuals with a 700 credit score, offering competitive APRs and valuable benefits to help you manage and reduce debt.
Top Balance Transfer Card Recommendations
700
Good Credit Range
Balance Transfer Cards Options at This Score
What to Expect
Good credit means you qualify for most mainstream products at competitive rates. You have real negotiating power.
Rate Impact
Rates are near prime — typically 0.5–2% above the best available rates.
💡 Top Tip for 700 Credit
Shop multiple lenders and use pre-qualification tools to compare offers without hard inquiries.
Timeline: You're well-positioned. Focus on maintaining your score while building wealth.
Citi Double Cash® Card
Issuer: Citi
Intro APR: 0% for 18 months on Balance Transfers
Ongoing APR: 17.49% - 27.49% (Variable)
Key Benefit: Earn 2% cash back on every purchase.
- No annual fee.
- Long intro APR period for balance transfers.
- Generous cash back rewards on all spending.
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Wells Fargo Reflect® Card
Issuer: Wells Fargo
Intro APR: 0% for 21 months on purchases and qualifying balance transfers
Ongoing APR: 17.49%, 23.99%, or 28.24% Variable APR
Key Benefit: One of the longest 0% intro APR periods available.
- Extended time to pay down debt interest-free.
- No annual fee.
- Can be used for new purchases as well.
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BankAmericard® credit card
Issuer: Bank of America
Intro APR: 0% for 21 billing cycles on purchases and balance transfers
Ongoing APR: 14.99% - 25.99% Variable APR
Key Benefit: Long intro APR period with a relatively lower balance transfer fee.
- Extended interest-free period for debt repayment.
- No annual fee.
- Good for consolidating various debts.
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Citi® Diamond Preferred® Card
Issuer: Citi
Intro APR: 0% for 21 months on Balance Transfers and 12 months on Purchases
Ongoing APR: 16.49% - 27.24% (Variable)
Key Benefit: Excellent for saving money on interest with a long balance transfer period.
- Very long 0% intro APR for balance transfers.
- No annual fee.
- Useful for large balance transfers.
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Discover it® Chrome
Issuer: Discover
Intro APR: 0% for 6 Months on Purchases and 0% for 18 Months on Balance Transfers
Ongoing APR: 17.49% - 26.49% Variable APR
Key Benefit: Cashback Match™ and a solid intro APR for balance transfers.
- Cashback Match™ for new cardmembers.
- No annual fee.
- Good for everyday spending while paying down debt.
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Balance Transfer Credit Card Comparison
| Card Name |
Issuer |
Intro APR (Balance Transfer) |
Ongoing APR |
Balance Transfer Fee |
Annual Fee |
| Citi Double Cash® Card |
Citi |
0% for 18 months |
17.49% - 27.49% Variable |
3% or $5, whichever is greater |
$0 |
| Wells Fargo Reflect® Card |
Wells Fargo |
0% for 21 months |
17.49% - 28.24% Variable |
5% or $5, whichever is greater |
$0 |
| BankAmericard® credit card |
Bank of America |
0% for 21 billing cycles |
14.99% - 25.99% Variable |
5% of each transaction |
$0 |
| Citi® Diamond Preferred® Card |
Citi |
0% for 21 months |
16.49% - 27.24% Variable |
3% or $5, whichever is greater |
$0 |
| Discover it® Chrome |
Discover |
0% for 18 months |
17.49% - 26.49% Variable |
3% of each transfer |
$0 |
| U.S. Bank Shield™ Visa® Card |
U.S. Bank |
0% for 21 billing cycles |
16.99% - 27.99% Variable |
5% or $5, whichever is greater |
$0 |
How to Qualify for a Balance Transfer Card
- Maintain a Good Credit Score: Most balance transfer cards require a good to excellent credit score (typically 670 or higher). A 700 credit score puts you in a good position to qualify for competitive offers.
- Review Card Terms and Fees: Understand the introductory APR period, the ongoing APR after the promotional period, and any balance transfer fees. These fees typically range from 3% to 5% of the transferred amount.
- Plan Your Debt Repayment: Have a clear strategy to pay off the transferred balance before the introductory APR period ends. This will help you avoid paying high interest rates on the remaining balance.
- Consider Your Credit Limit: The amount you can transfer is often limited by your approved credit limit. Ensure the card's credit limit is sufficient to cover the balance you intend to transfer.
Frequently Asked Questions
What is a balance transfer and how does it work?
A balance transfer allows you to move debt from one or more high-interest credit cards to a new credit card, often with a lower or 0% introductory APR. This can save you money on interest and help you pay down your debt faster. You apply for a new balance transfer card, and once approved, the issuer pays off your old card(s), and you then owe the new issuer.
What credit score do I need for a balance transfer credit card?
Most balance transfer credit cards that offer attractive 0% introductory APRs require a good to excellent credit score, typically 670 or higher. A credit score of 700 generally puts you in a good position to qualify for many of the best offers.
Does a balance transfer affect your credit score?
Initially, applying for a new credit card can cause a slight, temporary dip in your credit score due to a hard inquiry. However, if you manage the new card responsibly and pay down your debt, a balance transfer can positively impact your credit score in the long run by reducing your credit utilization and helping you pay off debt more efficiently.
Is there a limit on balance transfers?
Yes, typically the amount you can transfer is limited by the credit limit you are approved for on the new balance transfer card. Some issuers may also have a maximum transfer amount that is less than your full credit limit. It's important to check the terms and conditions of the specific card.
How long does a balance transfer take?
The balance transfer process can vary, but it typically takes anywhere from a few days to a few weeks (7-21 days) for the transfer to be completed. During this time, it's crucial to continue making payments on your old credit card until you confirm the balance has been fully transferred.