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If you've ever crossed your fingers when applying for a balance transfer credit card, hoping to be approved for the credit limit you need, I've been in your shoes. There's no way to know exactly how much you'll qualify to borrow when applying for a new card, but your credit limit is especially important when you're talking about transferring a balance to a new credit card to pay off your debt.
Your income and credit history are used to determine your creditworthiness and credit limit, but some balance transfer cards offer higher credit limits to qualified applicants than others.
When you're searching for credit cards with high balance transfer limits, consider cards that offer high potential credit limits and excellent intro APR offers to make transferring a high balance more manageable. Here are some we recommend.
How we rate products
To determine the best balance transfer cards with high limits, we researched and compared different cards that have introductory APR offers on balance transfers. Because we don't think paying an annual fee makes sense when you're trying to pay off credit card debt, we've only included cards with $0 annual fees in our list of the top high-limit balance transfer cards.
We evaluated each card using various factors, including recommended credit scores, card type (Visa Traditional, Visa Signature, etc.), rewards rates, and welcome offers. Note that our recommendations aren’t listed in any particular order, and the list doesn’t include all available options. Use this list as a useful starting point if you're looking for a balance transfer card that could have a high credit limit.
Compare the best high-limit balance transfer cards
| Credit Card | Intro APR | Regular APR | Welcome Bonus | Annual Fee |
|---|---|---|---|---|
/images/2025/05/28/bank_of_america_customized_cash_rewards.png)
Apply Now
Bank of America® Customized Cash Rewards credit card 4.5
Apply Now
on Bank of America's secure website
|
Balance Transfer:
0%, 15 billing cycles for any balance transfers made in the first 60 days
Purchases:
0%, 15 billing cycles
|
17.74% - 27.74% Variable
|
$200
|
$0
|
2025 award winner
Best 0% Intro APR Credit Card
/images/2022/04/27/0427_reflect.png)
Apply Now
Wells Fargo Reflect® Card 4.9
|
Balance Transfer:
0%, 21 months from account opening on qualifying balance transfers
Purchases:
0%, 21 months from account opening
|
17.74%, 24.24%, or 28.49% Variable
|
N/A
|
$0
|
/images/2024/12/16/citi-double-cash.jpg)
Apply Now
Citi Double Cash® Card 5.0
|
Balance Transfer:
0%, 18 months
Purchases:
N/A, N/A
|
17.74% - 27.74% (Variable)
|
$200
|
$0
|
|
2025 award winner
Best for Dining Out
/images/2025/01/22/chase-freedom-unlimited-1.22.2025.png)
Apply Now
Chase Freedom Unlimited® 4.7
|
Balance Transfer:
0%, 15 months
Purchases:
0%, 15 months
|
18.74% - 28.24% Variable
|
$200
Bonus
|
$0
|
/images/2024/12/13/discover_it_chrome_card_art_-_12-13-24.png)
Apply Now
Discover it® Chrome 4.2
|
Balance Transfer:
0%, 18 months
Purchases:
0%, 6 months
|
17.74% - 26.74% Variable
|
Cashback Match™
|
$0
|
|
2025 award winner
Best Overall Cash Back Credit Card
/images/2024/12/17/wells-fargo-active-cash-12172024.png)
Apply Now
Wells Fargo Active Cash® Card 5.0
|
Balance Transfer:
0%, 12 months from account opening on qualifying balance transfers
Purchases:
0%, 12 months from account opening
|
18.74%, 24.74%, or 28.74% Variable
|
$200
Cash rewards
|
$0
|
Bank of America® Customized Cash Rewards credit card
/images/2025/05/28/bank_of_america_customized_cash_rewards.png)
0%, 15 billing cycles
0%, 15 billing cycles for any balance transfers made in the first 60 days
- New offer! Earn 6% cash back for the first year in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
- Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means the 3% choice category could go up to 3.75%-5.25%. The Preferred Rewards bonus is not applied to the 3% first-year bonus.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.74% - 27.74% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
The Bank of America® Customized Cash Rewards credit card is unique from other balance transfer cards in that it earns rewards, and it differs from other rewards cards in that you can choose how you earn.
But before we get to that, you're probably wondering why we chose it for this list. According to some reports, the Bank of America Customized Cash Rewards card may have a starting credit limit of around $500, but it could reach or surpass $20,000. Multiple users on the myFICO forums report starting with a credit line of around $20,000.
The card earns 6% cash back for the first year in the category of your choice, 2% at grocery stores and wholesale clubs, and unlimited 1% on all other purchases. After the first year from account opening, you'll earn 3% cash back on purchases in your choice category. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
You can choose from the following categories to earn up to 6% cash back:
- Gas and EV charging stations
- Online shopping
- Dining
- Travel
- Drugstores and pharmacy
- Home improvement and furnishings
Why'd we choose it for this list? According to reports, the Bank of America Customized Cash Rewards card typically has a starting credit limit of around $500, but it could go up to $20,000 or more.
- $0 annual fee
- Multiple intro APR offers
- Customized earning
- You can earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
- Has quarterly spending caps
- Recommended credit score: Excellent, Good
- Foreign transaction fee: 3%
Apply now | Read our full Bank of America Customized Cash Rewards review for more details
Wells Fargo Reflect® Card
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0%, 21 months from account opening
0%, 21 months from account opening on qualifying balance transfers
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.74%, 24.24%, or 28.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
- $0 annual fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
The Wells Fargo Reflect® Card(Rates and fees) has one of the longest 0% intro APR periods for qualifying balance transfers around at 21 months from account opening on qualifying balance transfers (then 17.74%, 24.24%, or 28.49% Variable). We chose it for this reason, and because you can potentially transfer a large balance while taking a long time to pay it off.
If approved, you can expect a minimum credit limit of $1,000. The issuer hasn't published a maximum, but some Reddit users claim to have received starting limits of $30,000.
The Wells Fargo Reflect, like all the other high-limit balance transfer cards on this list, has a $0 annual fee. But unlike many cards, especially for balance transfers, it offers cell phone protection (subject to a $25 deductible).
That said, I wouldn't recommend this card if you're also looking for rewards in your balance transfer card. Unfortunately, this card doesn't offer rewards. It's very much a balance transfer card, but it does a very good job with that.
- $0 annual fee
- Long intro APR offers
- Cell phone protection (subject to a $25 deductible)
- Doesn't earn rewards
- Recommended credit score: Excellent, Good
- Foreign transaction fee: 3%
Apply now | Read our full Wells Fargo Reflect Card review for more details
Citi Double Cash® Card
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N/A, N/A
0%, 18 months
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.74% - 27.74%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Like the Bank of America Customized Cash, the Citi Double Cash Card stands out for its unique rewards structure. You could earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
I appreciate that rewards are tied to paying off the card, especially since I have struggled to keep up with credit card debt in the past. It's nice to be rewarded for being responsible, and it helps to make this card more than just a balance transfer card. It also sets itself apart from the other cards here for combining high earning potential with a long intro APR period for balance transfers, which isn't common as an ongoing offer in cash back cards.
Citi doesn't disclose its maximum credit limit, but many reports claim you may be approved for a limit of up to $50,000 with this card. But while this card could offer the highest possible credit limits of any on our list, based on user reports, how much you're approved for depends on your credit.
- $0 annual fee
- Intro APR offer of 18 months on balance transfers (then 17.74% - 27.74% (Variable))
- Simple rewards rate
- Balance transfer fee: 3% of each balance transfer ($5 minimum) within 4 months of account opening; then 5% of each transfer ($5 minimum) after the 4 month intro period ends
- No 0% intro APR on purchases
- Recommended credit score: Excellent, Good
- Foreign transaction fee: 3%
Apply now | Read our full Citi Double Cash® Card(Rates and fees) review for more details
Chase Freedom Unlimited®
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0%, 15 months
0%, 15 months
- Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74% - 28.24%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
The Chase Freedom Unlimited®(Rates and fees) is another strong balance transfer and rewards card. It earns 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases.
According to reports from some users on Reddit and myFICO forums, the Freedom Unlimited credit limit often starts around $500, but can go as high as $25,000 or more.
Unlike some other credit cards on this list, the Chase Freedom Unlimited has an equivalent intro APR offer on new purchases. So if you plan not only to transfer other debt to this card but also to spend with it, you can avoid accruing new interest on those purchases and make it easier to pay off your balance.
The downsides to this card are its relatively short intro APR periods compared to the Wells Fargo Reflect and Citi Double Cash® Card.
- $0 annual fee
- Intro APR offers for new purchases and balance transfers
- Useful spending categories
- Recommended credit score: Excellent, Good
- Foreign transaction fee: 3% of each transaction in U.S. dollars
Apply now | Read our full Chase Freedom Unlimited review for more details
Discover it® Chrome
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0%, 6 months
0%, 18 months
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. You'll still earn unlimited 1% cash back on all other purchases.
- Get a 0% intro APR for 18 months on balance transfers. Then 17.74% to 26.74% Standard Variable APR applies, based on credit worthiness.
- Redeem cash back for any amount
- No annual fee.
- Terms and conditions apply.
Discover doesn't disclose upper credit limits for the Discover it® Chrome(Rates and fees) or any of its other credit cards, but the issuer is known for providing fairly generous limits to qualified borrowers. According to Credit Karma user data for real cardholders, some are approved for limits over $20,000, although limits of between $10,000 and $20,000 are more common.
With a 0% intro APR on balance transfers for 18 months (then 17.74% - 26.74% Variable), the Discover it® Chrome offers one of the longer intro APR periods for balance transfers for a cash back card.
If you want to keep your cashback earning simple, the Discover it® Chrome is a good choice. Unlike the others we've included on this list, the Discover it Chrome provides a first-year cash back match. So if there's any chance you'll continue to spend while you work on repaying your balance, this is a good way to maximize your rewards earning without stretching your spending.
- Discover will match all the cash back you’ve earned at the end of your first year.
- 0% foreign transaction fee
- Also offers a great intro APR on new purchases
- Low quarterly earnings caps for highest cash back rate
- Potentially much less annual value after the first year
- Recommended credit score: Excellent, Good
Apply now | Read our full Discover it® Chrome review
Wells Fargo Active Cash® Card
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0%, 12 months from account opening
0%, 12 months from account opening on qualifying balance transfers
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.74%, 24.74%, or 28.74% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
The Wells Fargo Active Cash® Card(Rates and fees) is another card that manages to bring a strong balance transfer offer together with an excellent cash back rate on all your spending. Some users report receiving credit limits of $30,000 or more on myFICO forums for this card, while others receive limits below $10,000 (and everyone starts with at least $1,000). As always, your credit limit is personalized when you open, so you may start with a higher or lower limit than you expect.
Like the Citi Double Cash, the Wells Fargo Active Cash earns a high flat rate on everything. But unlike the Citi Double Cash, it earns all the cash back you're going to get upfront rather than half now and half later, and it doesn't have any bonus categories at all. That means you won't earn more if you use your Wells Fargo rewards to book travel, so there's little incentive to use this card for all of your spending if you've already got a travel rewards card with better rates on travel-related spending.
The Wells Fargo Active Cash differs from the Wells Fargo Reflect in two key ways. The first is that it earns rewards, and the second is that it has much shorter intro APR periods. If having a long introductory period is as important to you as being able to transfer a larger balance, choose a different card from this list.
- $0 annual fee
- Lets you earn unlimited 2% cash rewards on purchases
- Cell phone protection (subject to a $25 deductible)
- Shorter intro APR offer for balance transfer than other cards
- Recommended credit score: Excellent, Good
- Foreign transaction fee: 3%
Apply now | Read our full Wells Fargo Active Cash® Card review
Compare credit limits for these balance transfer cards
| Minimum credit limit | Highest reported credit limit | |
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|
$1,000 | $30,000+ |
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|
$500 | $24,000+ |
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|
$500 | $50,000+ |
/images/2025/01/22/chase-freedom-unlimited-1.22.2025.png)
|
$500 | $25,000+ |
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|
$500 | $20,000+ |
/images/2024/12/17/wells-fargo-active-cash-12172024.png)
|
$1,000 | $30,000+ |
How are credit limits determined?
Your credit limit is determined by various elements after you've applied for a credit card. In general, most credit card companies will consider some (or all) of these factors.
- Credit history: Lenders want to see your payment history and whether you carry a balance, among other things.
- Credit score: A higher credit score could qualify you for a higher credit limit. This is typically a reflection of your credit card usage found in your credit report.
- Income: The higher your income, the more likely you are to receive a higher credit limit.
- Debt: Your debt-to-income ratio (your monthly debt payments divided by your gross monthly income) is an easy way for lenders to see if you can manage additional credit card debt. If your budget allows, you might qualify for a higher credit limit.
- Limits on other cards: Lenders are less likely to offer you a lot of credit if you already have a lot of available credit from other credit cards.
In addition to these factors, you might receive varying credit limits depending on the credit card issuer and the type of card you apply for. For example, premium travel cards with high annual fees often have higher minimum credit limits. A specific instance is the Chase Sapphire Reserve® requiring a minimum $10,000 credit limit, which is common for Visa Infinite cards.
How you could get a higher credit limit
What should you do if you're approved for a credit card but the credit limit isn't high enough for the balance transfer you're planning? In this scenario, consider these options.
- Talk to your card issuer: It doesn't hurt to call your credit card company and see if they can increase your credit limit. Keep in mind that manual credit limit increases could impact your credit score.
- Wait for an automatic credit line increase: Some card issuers review your credit card usage and payment history to see if you qualify for an automatic credit line increase. If you always pay your bill on time and often use your credit card, you might receive an automatic increase.
- Consider applying for a new credit card: It isn't recommended to continuously apply for new credit cards as it could affect your credit score. But it's possible that you might receive a higher credit limit if you're approved for a different card, especially from a different lender.
- If you have multiple cards with one issuer, ask to move credit from another card: Depending on the card issuer, you might be able to transfer some of your existing credit from one card to another.
- Do a partial transfer: It's not an ideal solution, but you could transfer part of your existing debt to your new balance transfer card. This might not be worth it if your new card has a low credit limit.
- Look for an alternative: If a balance transfer card isn't working out, consider other options, such as personal loans or debt consolidation companies. Personal loans can't usually match 0% intro APR offers on balance transfer credit cards, but they could still make sense for lowering your overall interest rate and organizing your debt.
- Develop your own payment strategy: This can take a lot of motivation, but it's always possible to create your own budgeting strategy. The best budgeting apps can help you stay on track with your preferred budgeting style.
How to choose the best balance transfer credit card with a high limit
Decide what balance you're going to transfer
You can use a balance transfer credit card to pay off as much of your debt as you choose. You may decide to transfer all of your eligible debt onto a new balance transfer card, or just a portion of it. The decision about how much to transfer ultimately depends on interest rates. To do a balance transfer the right way, you should save on interest.
How to decide whether to transfer high-interest debt
If you have high-interest debt from other credit cards, you could save on interest by transferring that debt to a card with a 0% intro APR period. Pay close attention to how long the new card's introductory APR period is to make sure you can repay a sizable amount (or, if possible, all) of the transferred debt before the promotion ends and the regular interest rate kicks in. After that, the new card should have a lower regular APR than the cards you're transferring debt from.
How to decide whether to transfer other debt
If you have low-interest debt, it may or may not be a good idea to transfer it to a balance transfer credit card. Personal loans, for example, often have rates well below average credit card interest rates. So while you could save on interest for a while by transferring these debts to a card with a 0% intro APR on balance transfers, you might not save if the regular interest rate takes effect while you're still working on paying off the balance.
Total up your debt across all of your credit cards and loans to see how much you face altogether. Then, figure out the maximum monthly payment you can reasonably afford to make toward all of it. Check out debt payoff calculators to determine when a balance transfer makes sense for each of your debts.
Make sure potential credit limits work for the balance you need to transfer
You can't determine your credit limit yourself, as it depends on each issuer's guidelines or requirements. However, certain cards offer higher potential credit limits. If you know you need to transfer a large balance, such as $10,000 or more, you should compare cards with reported maximum limits higher than that. But if you only need to transfer $5,000 or less, you might be approved for a sufficient limit with a broader selection of cards.
For higher limits for balance transfers, it can make sense to apply for a Visa Signature card over a Visa Traditional card. Just remember that you won't necessarily be approved for a higher limit with a card simply because you read reports from users who were.
Consider credit requirements
Many of the best balance transfer credit cards recommend a good credit score, defined as at least a 670 FICO score.
If you have a FICO score above 670 and can meet other criteria, such as a good payment history and a low debt-to-income ratio, you have a better chance of being approved for a high credit limit balance transfer card. Your credit is also a factor used to determine your borrowing limit, so you could potentially be approved to transfer a larger balance with a stronger credit profile.
Compare the lengths of intro APR offers
If you compare credit cards, most balance transfer cards provide 0% intro APR periods of at least 12 months. That means you have 12 months of no interest on a transferred balance.
Keep in mind that some of the longest balance transfer credit cards offer intro APR periods up to 18 or 21 months. If you have a high balance and want more time to pay it off without having to worry about interest, consider cards with longer intro APR periods.
Look into fees
There are two primary fees to consider with a balance transfer card.
- Annual fee: Fee you have to pay each year for card membership
- Balance transfer fee: One-time fee you have to pay to transfer a balance
Fortunately, most balance transfer cards don't have annual fees. Balance transfer fees typically range from 3% to 5% of the balance being transferred. For example, a 5% fee on a $5,000 balance transfer would cost $250. It's rare to find a balance transfer card that doesn't charge a balance transfer fee.
Think about rewards and benefits (if you can afford to be more picky)
While likely not the most important factor in choosing a balance transfer card, having rewards and benefits can be a nice bonus.
That could include earning cash back, points, or miles when you make eligible purchases. For benefits, you might consider things like cell phone protection, purchase protection, and travel insurance coverage.
FAQs
What is the maximum amount for a balance transfer?
You can often transfer up to your total available credit limit. For example, if you have a $10,000 credit limit, you can transfer up to $10,000, including any balance transfer fee. However, some card issuers have a balance transfer limit. With American Express, you typically can't transfer more than $7,500.
Which credit cards give you the highest balance?
Visa Signature and Visa Infinite cards often provide higher credit limits if you want to do a balance transfer. However, most Visa Infinite cards don't have 0% intro APR offers, so it makes sense to consider a Visa Signature card like:
What credit card has a $100,000 limit?
If you meet the criteria, including income requirements, you might be eligible for a $100,000 credit limit or more with these credit cards.
Bottom line
Whether or not you qualify for a high credit limit balance transfer card depends on various factors, including your income, the type of card you're applying for, and the credit card company.
If you meet the criteria card issuers look for, we think cards like the Wells Fargo Reflect and Chase Freedom Unlimited could make sense because they have excellent intro APR offers.
For more balance transfer recommendations, check out our list of the best balance transfer cards.
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Current Offer
Benefit from a long introductory APR period on purchases and qualifying balance transfers
Annual Fee
$0