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Balance Transfer Credit Cards for Students

If you are a student looking to transfer a balance from a high interest credit card to one with 0% interest, you will find several offers on these pages. You might even be able to wipe out some of that credit card debt before you graduate. Paying high interest on a credit card balance means having less money to pay off student loans and establish yourself after graduation.

Balance transfer cards for students can be harder to come by, but there are some attractive offers here. Review the offers for students who want to transfer their balances to a credit card with a 0% APR for the longest available promotional period. Check all the available balance transfer credit cards we have compiled to find the one that is right for you.

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Required Credit History: Fair
Best Credit Cards from
Intro APR
on Bal. Tr.
Fee on
Bal. Tr.
Intro APR
on Purch.
0% (up to 7 months)
Save up to:  $484  with this card
Show card description
  • Enjoy 0% Intro APR on purchases for up to 7 months; a variable go-to APR applies after that.
  • No annual fee and no foreign transaction fees.
  • Earn up to 5% cash back or up to 2x points on purchases.
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Balance Transfer Finder

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An easy way to find balance transfer offers and pick the one which fits your situation.

No Interest Credit Cards for Students

If you don't know what to look for in a balance transfer, you can find some general guidelines here. The process is fairly simple: just apply for the card, and once you are approved, call your card issuer to initiate the balance transfer. Some cards also let you put in the information about the balance you want to transfer at the time you apply. In this case, if you are approved for a credit limit high enough to accommodate the balance transfer, it will usually be initiated at the same time your account is activated.

These are important things to consider when transferring a balance to a new 0% APR card designed for students:

  • Apply for a credit card that also has a 0% on purchases so you can save on interest payments on both the balance transfers and new purchases.
  • The balance transfer fee amounts to about 3% or 4% of the balance or $10, whichever is greater. That fee will be added to your credit card statement as soon as the transfer goes through.
  • It can take a month or more to complete a balance transfer so continue to make payments on your current account to avoid penalties and late fees.

Get a fresh start for the future when you transfer your high-interest credit card debt to a new, 0% APR on balance transfer credit card for students. If you build a good credit history it will positively impact your future as many employers and landlords will look at your credit score to see if they want to hire you or rent you an apartment.