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Balance Transfers above $10,000

Only the most creditworthy consumers get approved for credit cards with credit limits of $10,000 or higher. To do a balance transfer above $10,000, chances are that you will have to split it up over two or more balance transfer cards.

If the amount of debt you are looking to transfer is $20,000 or more, it will be very difficult - nearly impossible in fact - to find a card issuer that will grant you a line of credit that is large enough to handle the whole amount. In that situation, you will almost definitely need to spread the debt over multiple cards, and you will need to have excellent credit to be eligible to be approved for several balance transfer credit cards with high credit limits.

Required Credit History: Excellent/Good
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Intro APR
on Bal. Tr.
Fee on
Bal. Tr.
Intro APR
on Purch.
Regular
APR
Annual
Fee
0% (21 months)
up to 3%
0% (21 months)
$0
Save up to:  $848  with this card
Show card description
  • 0% Intro APR on Balance Transfers and Purchases for 21 months.
  • No Annual Fee. No Balance Transfer Fee.
  • Great Rewards Programs.
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
9.25% (variable)
NONE
Save up to:  $281  with this card
Show card description
  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved.
  • Low 9.25% 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
11.25% (variable)
NONE
Save up to:  $237  with this card
Show card description
  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved.
  • Low 11.25% 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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Mind your Debt-to-Credit Ratio

It is important to take into consideration the fact that credit scoring agencies place a lot of emphasis on the amount of outstanding debt you have compared to the amount of credit you have available. Thus, your credit utilization ratio can dramatically affect your credit score. If possible, you never want to tie up more than 30% of your available credit on any particular credit card.

Therefore, even if you get approved for a new balance transfer credit card with a credit limit large enough for your balance transfer of $10,000 or more, it would be better for your credit score to spread that balance over two or more cards in an attempt to keep the amount of debt at 30% or lower than your allotted amount of credit. Make sure you take into consideration the balance transfer fee when making your calculations.

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