r/CreditCards•
kirbysbitch

Best balance transfer card(s) for $10k debt?

Card Recommendation Request (Template Used)

Basically I'm looking for a card with 0% APR for ideally at least a year. I'm also wondering if it'd be better to pay off a few hundred of one of my existing cards first and wait for my FICO score to increase before applying for a balance transfer card.

Current cards: (list cards, limits, opening date)

e.g. Capital One Platinum $850 limit, May 2017

e.g. Capital One Quicksilver $10,000 limit, May 2024

FICO Score: e.g. 683

Income: e.g. $33,280

Average monthly spending: It varies but probably $200 on average.

What's the purpose of your next card? Balance transfer

Posted Mar 14, 2026, 12:30 AM UTC

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