Best Balance Transfer Cards for Good Credit (670-739) in 2026
Updated 17 April 2026
At 670-739, you qualify for most balance transfer offers including 18-21 month 0% APR cards. Your assigned post-intro APR will land in the middle of the published range rather than at the floor, but the savings are still substantial. Here is what to apply for and how to maximise your approval odds.
Best Cards for 670-739 FICO
21 months
Intro period
3%
Transfer fee
18.49% - 29.24%
Post-intro APR
The top choice for good credit. Citi is generally more flexible in the 670-739 band than Wells Fargo or Chase. The no-penalty-APR feature is especially valuable for good-credit applicants who may occasionally miss a payment.
18 months
Intro period
3%
Transfer fee
16.49% - 26.49%
Post-intro APR
Strong for good credit if you are at the higher end (700-739). The lowest post-intro APR floor (16.49%) is valuable insurance. Bank of America is generally forgiving toward applicants with a few missed payments in their history if the recent 12 months are clean.
15 months
Intro period
3%
Transfer fee
17.49% - 28.24%
Post-intro APR
The most accessible option for 670-679 applicants. Discover is known for approving applicants at the lower end of good credit. The 15-month intro is shorter, but the first-year cashback match adds real value. Also a good fallback if you are denied elsewhere.
18 months
Intro period
0% (60 days)
Transfer fee
21.49% - 29.74%
Post-intro APR
Apply for Chase only if you are 700+ within the good-credit band. Chase uses stricter underwriting than Citi or Discover. The no-fee benefit is real but the higher post-intro APR floor is a genuine drawback for applicants who might not clear in 18 months.
Improve Your Approval Odds Before Applying
Pay down existing card balances to below 30% utilisation
If you have $8,000 on a $10,000 limit (80% utilisation), paying down to $3,000 (30%) can raise your score 30-60 points in 30-60 days. This single step can move you from 670 to 710+. Even a partial paydown helps. Target the card with the highest utilisation first.
Pre-qualify before applying (soft pull only)
Citi, Discover, Chase, and Bank of America all offer pre-qualification tools that use only a soft credit pull. Pre-qualification does not guarantee approval but it is a strong signal. If you pre-qualify for a 21-month card, apply. If you do not, try the soft-pull tools at Discover or a credit union before burning a hard inquiry.
Do not apply if you have had 3+ credit applications in the last 6 months
Multiple recent hard inquiries look like financial stress to underwriters. If you have applied for a car loan, mortgage, or other credit cards recently, wait 6 months from the last application before applying for a balance transfer card. Approval odds drop materially above 2 hard inquiries in 6 months.
Wait for your statement cycle to close before applying
Your credit score uses the balance reported on your last statement, not your real-time balance. Pay down existing cards and then wait for your statement to close - this locks in the lower balance for the next 30 days and is what the issuer will see when they pull your file.
Worked Example: $10,000 Balance, 700 Credit Score
Sarah has $10,000 in credit card debt at 23.99% APR and a 700 credit score. She transfers to Citi Simplicity (21 months, 3% fee):
$300
Transfer fee (3%)
$4,200
Interest avoided (23.99%, 21 mo)
$3,900
Net saving
$491/mo
Required monthly payment
At 700 credit score, Sarah can expect a post-intro APR in the range of 21-24% if she does not finish in time. The savings are still substantial at $3,900 net. Her strategy: pay $491/month to clear exactly at month 21, with autopay set up from day one to protect the 0% rate.