Balance Transfer Credit Cards with High Limits

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Balance Transfer Credit Cards with High Limits – These credit cards are an excellent tool for individuals struggling with high-interest credit card debt. Most balance transfer cards offer 0% APR for an introductory period, allowing you to avoid interest charges for months, sometimes up to 21 months. With lower interest rates, more of your monthly payment will go toward paying down your principal balance, allowing you to pay off your debt more quickly. Many balance transfer cards come with high credit limits, sometimes exceeding $10,000 or $20,000, making them perfect for consolidating larger amounts of debt.

Balance Transfer Credit Cards with High Limits: Save on Interest !

When it comes to managing credit card debt, one of the most effective strategies is using a balance transfer. Balance transfer credit cards allow you to transfer high-interest debt from one or more credit cards to a new card that offers a lower or 0% introductory APR for a set period of time. This can help you save on interest rates and pay off your debt more quickly. Additionally, many balance transfer cards offer high limits, making them ideal for consolidating large amounts of debt.

In this article, we will highlight the top 17 balance transfer credit cards with high limits available in the U.S. These cards offer secure transfers, extended introductory APR periods (sometimes as long as 21 months), and excellent benefits such as cash back rewards and no balance transfer fees. Whether you are looking to transfer a balance of $10,000, $20,000, or even more, this guide will help you compare and find the best options available.

List of top 17 best Balance Transfer Credit Cards with High Limits !

Chase Slate Edge℠ Credit Card

Best for: No Fee Balance Transfers & Long 0% APR Periods

The Chase Slate Edge℠ Credit Card is one of the best balance transfer credit cards for those looking to avoid fees. It offers a 0% introductory APR on balance transfers for 18 months, which can help you save a significant amount of money on interest. The card also has no balance transfer fee if completed within the first 60 days of account opening.

Credit Limit: Up to $20,000
Intro APR: 0% for 18 months on balance transfers
Regular APR: 16.49% – 25.24% Variable
Annual Fee: $0
Rewards: No rewards program
Best For: Transferring high-interest balances without paying a fee

Citi® Double Cash Card

Best for: Cash Back & 0% Intro APR

The Citi® Double Cash Card offers a great balance transfer option with the ability to earn cash back as well. It has a 0% APR on balance transfers for the first 18 months. After that, a variable APR applies. You can also earn 2% cash back—1% when you buy and 1% when you pay for your purchases.

Credit Limit: Up to $20,000
Intro APR: 0% for 18 months on balance transfers
Regular APR: 16.24% – 26.24% Variable
Annual Fee: $0
Rewards: 2% Cash Back
Best For: Earning cash back while transferring balances

Discover it® Balance Transfer

Best for: No Fee Balance Transfers & Cash Back

The Discover it® Balance Transfer card offers a 0% APR on balance transfers for 18 months and has no annual fee. Additionally, you can earn 1% cash back on everyday purchases and 5% cash back on rotating categories each quarter (up to the quarterly maximum, then 1%).

Credit Limit: Up to $15,000
Intro APR: 0% for 18 months on balance transfers
Regular APR: 14.24% – 25.24% Variable
Annual Fee: $0
Rewards: 5% cash back (rotating categories), 1% on all other purchases
Best For: Earning cash back while consolidating debt

American Express Blue Cash Preferred® Card

Best for: High Cash Back & Long Intro APR Period

The American Express Blue Cash Preferred® Card offers a great balance transfer option with an 18-month 0% intro APR on balance transfers. Additionally, this card gives you 6% cash back on select purchases like groceries and streaming services.

Credit Limit: Up to $20,000
Intro APR: 0% for 18 months on balance transfers
Regular APR: 15.99% – 26.99% Variable
Annual Fee: $95 (waived for the first year)
Rewards: 6% cash back on groceries, 3% on transit, 1% on other purchases
Best For: High rewards on everyday purchases and balance transfers

Wells Fargo Reflect® Card

Best for: Long 0% Intro APR Period & No Annual Fee

The Wells Fargo Reflect® Card offers a 0% APR for up to 21 months on balance transfers (with a 3% fee), making it one of the longest introductory APR periods available. It also has no annual fee, making it a great option for people who need more time to pay off their debt.

Credit Limit: Up to $20,000
Intro APR: 0% for 21 months on balance transfers
Regular APR: 14.49% – 24.99% Variable
Annual Fee: $0
Rewards: No rewards program
Best For: Those who need a longer time to pay off debt

BankAmericard® Credit Card

Best for: No Annual Fee & Low Interest Rates

The BankAmericard® Credit Card offers a 0% APR for the first 18 billing cycles on balance transfers and purchases. After that, a variable APR applies. The card also has no annual fee, making it a solid choice for those who want an easy way to transfer balances without the burden of extra costs.

Credit Limit: Up to $20,000
Intro APR: 0% for 18 billing cycles on balance transfers
Regular APR: 13.99% – 23.99% Variable
Annual Fee: $0
Rewards: No rewards program
Best For: Simple, low-fee balance transfer card

Capital One® QuicksilverOne® Cash Rewards Credit Card

Best for: Earning Cash Back While Paying Off Debt

The Capital One® QuicksilverOne® Cash Rewards Credit Card offers a 1.5% cash back on every purchase, which is a great perk if you plan to use the card for regular spending as well as transferring balances. It also comes with no annual fee, which is rare for a card with rewards.

Credit Limit: Up to $10,000
Intro APR: 0% for 15 months on balance transfers
Regular APR: 15.49% – 25.49% Variable
Annual Fee: $39
Rewards: 1.5% Cash Back on every purchase
Best For: Earning cash back while consolidating debt

U.S. Bank Visa® Platinum Card

Best for: Long Intro APR Period & Large Credit Limits

The U.S. Bank Visa® Platinum Card offers an impressive 0% APR on balance transfers for 20 billing cycles. This gives cardholders nearly two years to pay off their debt without accruing interest. This card is ideal for those looking for a high credit limit and a long period to pay down balances.

Credit Limit: Up to $20,000
Intro APR: 0% for 20 billing cycles on balance transfers
Regular APR: 14.24% – 24.24% Variable
Annual Fee: $0
Rewards: No rewards program
Best For: Large balances and long-term savings

Synchrony Bank – PayPal Credit

Best for: Online Purchases & Flexible Financing

PayPal Credit is a good option for those who want to make online purchases and pay off large balances over time. It offers 0% APR for 6 months on purchases and balance transfers. Although the APR period is shorter, it’s an excellent option for those who frequently shop online.

Credit Limit: Up to $20,000
Intro APR: 0% for 6 months on purchases and balance transfers
Regular APR: 25.99%
Annual Fee: $0
Rewards: None
Best For: Online shopping and balance transfers

American Express® Gold Card

Best for: Food & Travel Purchases with Great Rewards

The American Express® Gold Card offers 4x points on dining and 3x points on flights. It doesn’t offer an introductory 0% APR for balance transfers, but it is ideal for users who want a high credit limit and a robust rewards program.

Credit Limit: Up to $25,000
Intro APR: None
Regular APR: 15.99% – 22.99% Variable
Annual Fee: $250
Rewards: 4x points on dining, 3x points on flights
Best For: Foodies and travelers looking for rewards

The Platinum Card® from American Express

Best for: Luxury Benefits & Large Credit Limits

The Platinum Card® is ideal for people who want a large credit limit combined with premium benefits. It offers access to luxury lounges, travel credits, and rewards points for travel-related purchases.

Credit Limit: Up to $50,000
Intro APR: N/A
Regular APR: 15.99% – 22.99% Variable
Annual Fee: $695
Rewards: 5x points on flights and hotels
Best For: Luxury travelers with large balances

Barclaycard Ring® Mastercard®

Best for: Low Interest Rates & No Fees

The Barclaycard Ring® Mastercard® offers a low variable APR, making it a great option for people looking for an affordable credit card. While it doesn’t offer a long 0% APR introductory period, it’s a reliable and affordable choice for balance transfers.

Credit Limit: Up to $10,000
Intro APR: 0% for 15 months on balance transfers
Regular APR: 13.24% Variable
Annual Fee: $0
Rewards: None
Best For: Low-cost credit card with reliable features

Bilt Mastercard®

Best for: Rent Payment & Credit Building

With the Bilt Mastercard®, cardholders earn 1x points for every dollar spent, including rent payments. This card is ideal for renters looking to build credit and manage their balance transfers without incurring high interest rates.

Credit Limit: Up to $20,000
Intro APR: 0% for 12 months on balance transfers
Regular APR: 15.99% – 25.99% Variable
Annual Fee: $0
Rewards: 1x points for every dollar spent
Best For: Renters and individuals building credit

HSBC Gold Mastercard® Credit Card

Best for: Low APR & High Credit Limits

The HSBC Gold Mastercard® offers low-interest rates and a high credit limit, which makes it a great option for those seeking to transfer large balances at a manageable rate.

Credit Limit: Up to $20,000
Intro APR: 0% for 18 months on balance transfers
Regular APR: 14.24% – 24.24% Variable
Annual Fee: $0
Rewards: None
Best For: Low-cost balance transfer with a high limit

Citi Simplicity® Card

Best for: Long 0% APR Period

The Citi Simplicity® Card offers one of the longest introductory 0% APR periods on balance transfers, lasting 21 months. It’s great for consolidating large amounts of debt without worrying about interest charges during the introductory period.

Credit Limit: Up to $20,000
Intro APR: 0% for 21 months on balance transfers
Regular APR: 16.24% – 26.24% Variable
Annual Fee: $0
Rewards: None
Best For: Long periods of debt repayment without interest

Fifth Third Bank® Credit Card

Best for: Competitive APR & No Annual Fee

The Fifth Third Bank® Credit Card is another option that offers a 0% intro APR for 12 months on balance transfers. Its competitive APR and no annual fee make it a great choice for people looking to reduce interest charges on their debt.

Credit Limit: Up to $20,000
Intro APR: 0% for 12 months on balance transfers
Regular APR: 14.99% Variable
Annual Fee: $0
Rewards: None
Best For: Affordable balance transfer card

Citi Premier® Card

Best for: Earning Rewards on Balance Transfers

The Citi Premier® Card offers 3x points on travel and dining. Although it doesn’t offer an introductory 0% APR on balance transfers, it’s still a good option for earning rewards while paying off existing balances.

Credit Limit: Up to $20,000
Intro APR: None
Regular APR: 15.99% – 22.99% Variable
Annual Fee: $95
Rewards: 3x points on travel and dining
Best For: Reward earners who need to manage balance transfers

Conclusion

Using a balance transfer credit card with a high limit can be a smart way to pay down your debt while saving on interest rates. By transferring your existing balances to a card with a 0% intro APR, you can focus on paying off the principal amount without the added burden of interest. Many of the cards listed here offer excellent introductory periods, high credit limits, and valuable rewards, making them some of the best options available.

Before applying for a balance transfer card, make sure to compare the terms and choose the one that best fits your needs, whether it’s a low APR, cash back rewards, or the longest introductory period. By taking advantage of these offers, you can pay off your debt faster and start working toward a debt-free future.