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Balance Transfer Credit Cards for Limited or No Credit
If you have limited or no credit, your choices for a credit card with a 0% balance transfer offer will be a little narrower than if you had very good credit. But there are still cards out there for you. Credit issuers often give the opportunity to transfer the balance but without 0% APR. In this case you will be offered a lower APR during introductory period. Or you may be offered a low APR credit card without promotional period but with balance transfer option.
If you choose the right credit card that offers a balance transfer for limited or no credit, you can pay off your debt faster and also improve your credit rating. Your limited credit will mean that the offer you accept may have a shorter 0% APR term and higher fees. A balance transfer fee will apply to each balance that you transfer from another card and are usually around 3 to 4% of each amount. But even if you pay that balance transfer fee, you still can save hundreds of dollars on low or zero interest.
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Pay no interest on balance transfer during the introductory period with a 0% intro APR on balance transfer. After the introductory period expires, the ongoing APR will apply.
No fee will be charged for the transferring balance.
Pay no interest on purchases made during the entire introductory period with a 0% intro APR on purchases. After the introductory period expires, the ongoing APR will apply.
No yearly fees will be charged for your card.
The card doesn`t have a rewards program.
- A real line of credit for people with limited or no credit.
- Earn rewards on all purchases, every day.
- Help strengthen your credit with responsible card use.
- Monthly Reporting to major Consumer Reporting Agencies.
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