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Balance Transfer Credit Cards for Fair Credit

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 offer an APR as low as 0% for a certain period of time. However, as credit card companies are cautious about the debt they add to their books, particularly when it comes from people with average or below-average credit scores, they usually do not offer 0% intro APR balance transfer credit cards for fair credit. If this is the case, your best bet is to…show more

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    Capital One® QuicksilverOne® Cash Rewards Credit Card

    quicksilverone rewards
    • Purchase Intro APR 0% until September 2016
    • Transfer Intro APR 0% until September 2016 No Transfer Fee
    • Regular APR 22.9% (V)
    • Annual Fee $39
    • Rewards Rate 1.5% Cash Back
    • Rewards Bonus None
    • Minimum Credit Limited History
    • Rewards Details
    • Earn unlimited 1.5% cash back on every purchase, every day
    • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
    • Get a 20% Statement Credit on Uber rides purchased with this card through April 2016
    • Additional Info
    • 0% intro APR on purchases until September 2016; 22.9% variable APR after that
    • Get access to a higher credit line after making your first 5 monthly payments on time
    • Fraud coverage if your card is ever lost or stolen
    • Free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
    • Travel & Emergency Assistance - Available 24/7 to help connect you with local emergency and assistance resources when you're away from home
    • Extended Warranty - automatically doubles the original manufacturer's/store's warranty on eligible purchases
    • See More Details & Reviews About The Capital One® QuicksilverOne® Cash Rewards Credit Card
    Credit Score
    Excellent Credit 721 – 850
    Good Credit 661 – 720
    Fair Credit 620 – 660
    Bad Credit 300 – 619
    Limited Credit Less than 3 years
    of credit history

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    Community Discussion

    Ask a question or help others find the best balance transfer credit cards for fair credit by sharing some tips.

    Sep 30, 2015
    I have less than $1,100 in credit card debt. Which is the best card to transfer to without penalty or interest for a year?
    Nov 14, 2015
    Photo of Card H.
    You may also want to try our CardAdvisor tool, which will provide a customized recommendation based on your answers to a few simple, anonymous questions. It can be found here: .
    Nov 14, 2015
    Photo of Card H.
    If you have fair credit, the Capital One VentureOne Card is probably your best bet. But if you have good credit, you might be able to get approved for the Slate Card from Chase, which is the best balance transfer credit card on the market because it charges neither an annual fee, nor a balance transfer fee and offers a 0% introductory rate on purchases and balance transfers for 12 months. You can get a sense of your credit standing here: .