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Balance Transfer Credit Cards for Excellent Credit

If you are someone who has excellent credit, which is generally considered to be a FICO score of 750 or higher, you can have your pick of balance transfer credit offers. You will likely be approved for a balance transfer credit cards with high rewards like cash-back offers and excellent sign-up bonuses. When the interest applies after a year or more of 0% introductory rate, then they will be low rates.

An excellent credit score will likely qualify you for the best features among these offers including:

  • 0% APR for the longest promotional period available;
  • no balance transfer fee;
  • no annual fee;
  • a high credit limit which will allow you to transfer a large balance.

Do some research on these offers to find the most competitive rates, features, and benefits because if you have an excellent credit score the best offers are open for you to apply and you should get approved.

Required Credit History: Excellent/Good
Best Credit Cards from Credit-Land.com
Intro APR
on Bal. Tr.
Fee on
Bal. Tr.
Intro APR
on Purch.
Regular
APR
Annual
Fee
0% (up to 21 months)
up to 3%
0% (up to 18 months)
$0
Save up to:  $848  with this card
Show card description
  • Transfer and pay off your debt at 0% Intro APR on Balance Transfers for up to 21 months; ongoing variable APR applies after that.
  • Earn up to 5% cash back or up to 2 point rewards on all purchases.
  • $0 liability on unauthorized purchases. No annual fee.
See More Card Details
Required Credit History: Excellent
Intro APR
on Bal. Tr.
Fee on
Bal. Tr.
Intro APR
on Purch.
Regular
APR
Annual
Fee
N/A
NONE
N/A
9.75% (variable)
NONE
Save up to:  $270  with this card
Show card description
  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved.
  • Low 9.75% variable standard purchase APR and platinum benefits.
  • No Annual Fee.
  • No balance transfer fee for balances transferred in response to this online offer.
Required Credit History: Excellent
Intro APR
on Bal. Tr.
Fee on
Bal. Tr.
Intro APR
on Purch.
Regular
APR
Annual
Fee
N/A
NONE
N/A
11.75% (variable)
NONE
Save up to:  $225  with this card
Show card description
  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved.
  • Low 11.75% variable standard purchase APR and platinum benefits.
  • No Annual Fee.
  • No balance transfer fee for balances transferred in response to this online offer.
  • Travel Rewards - cardholders who enroll in the program receive one point per net dollar spent.
  • Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions.
  • Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants.

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Don't Let That Zero Interest Make you Dizzy

Your excellent credit score qualifies you for a long introductory period which could give you a year or even two to pay off your balance while accruing no interest. These cards also come with many benefits. Some of the options include:

  • Travel rewards like hotel points and frequent flyer miles. Rack up miles and points to fly around the world and stay in the best hotels, resorts and spas. Many of these cards give sign-on bonuses for transferring a balance. The more you transfer, the more you earn and save.
  • You can double the savings when you get a 0% APR balance transfer credit card that also offers no interest on purchases. With a long promotional period on both new purchases and old balances, you can finance that big splurge while paying down the debt.

Remember, just because you have excellent credit does not mean you can spend with no limits. Keep your spending within reason and do not get in over your head. To keep your excellent credit score, make all payments on time, keep your total debt at less than 30% of your total available credit, and never close old accounts that give your credit report a long history of good payment behavior.

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