Best Balance Transfer Cards with Higher Limits

urluckypenny1 · ‎02-13-2026

What's the best Balance Transfer cards with 18-24 months and higher limits.

760 Fico Score

thanks fir any suggestions 💯

NoMoreE46 · ‎02-13-2026

WF Reflect and BofA BankAmericard are both on the longer duration at 21 months.

Citi offers a few as well but tend to be a lower CL .

What SL do you need?

@urluckypenny1 wrote:
What's the best Balance Transfer cards with 18-24 months and higher limits.

760 Fico Score

thanks fir any suggestions 💯

urluckypenny1 · ‎02-14-2026

Trying to transfer over about 10-12k

mgood · ‎02-14-2026

I got a Wells Fargo Reflect but they started me with only a $1k limit. That did me no good.

BUT, I had a Wells Fargo Autograph with a $25k limit. They allowed me to reallocate some of that limit over to the new Reflect to make it whatever I wanted. I had to wait until the new card arrived and activate it. Then just called and was told that if I wanted to keep the Autograph open, I had to leave at least a $1k limit on it. So I could move up to $24k over to the new card. I moved $11k and now have a $14k Autograph and a $12k Reflect.

[EDIT: That's why you keep asking for CLIs even on a card you only use for the phone bill. Having a higher limit than what seemed necessary on the Autograph gave me the flexibility I needed here.]

$18,000 Chase Sapphire Preferred Visa Signature 01/23

$17,000 Chase Freedom Flex World Elite Mastercard 05/21

$12,000 Chase Prime Rewards Visa Signature 05/23

$17,500 PenFed Power Cash Rewards Visa Signature 01/21

$15,000 PenFed Platinum Rewards Visa Signature 01/21

$33,000 NFCU cashRewards Plus Visa Signature 05/25

$31,400 American Express Blue Cash Preferred 04/24

$18,900 Citi Custom Cash World Elite Mastercard 07/22

$10,400 Citi Custom Cash World Elite Mastercard 11/24

$14,000 Wells Fargo Autograph Visa Signature 10/21

$25,000 FNBO Evergreen Rewards Visa Signature 01/22

$5,850 Capital One Savor World Elite Mastercard 11/15

$4,300 Capital One Cabela's World Mastercard 10/15

$20,000 Synchrony CareCredit Rewards Mastercard 09/25

$10,000 US Bank Cash+ Visa Signature 03/23

$7,000 US Bank Cash+ Visa Signature 12/23

EQ8 785, TU8 750, EX8 768 as of May 11

AZE11 - 7% Utl - New Cards: 1/6, 3/12, 5/24

tcbofade · ‎02-14-2026

US Bank Sheild card has a 24 month BT offer. I was approved for a $17k limit, DW was approved for a $17.5k limit.

Good luck!

Fico 8 05/02/26: EX 792, EQ 819, TU 808.
Fico 9: EX 812 04/15/25, EQ 804 04/08/25, TU 792 02/15/25.

Zero percent financing is where the devil lives...

Kforce · ‎02-14-2026

@NoMoreE46 wrote:

WF Reflect and BofA BankAmericard are both on the longer duration at 21 months.
Citi offers a few as well but tend to be a lower CL .

US Bank "Shield" is 24 months with the same 5% fee as BofA and WF.

Yearly fee equivalent 2.5% verses 2.86% for WF & BofA

USBank best by the numbers, however which will give the highest CL is another consideration.

I got a $20,000 from USB with the "Smartly", 10 months ago with ~830 Ficos, 1 HP,

and average card CL of 20k.

Just another to look at.

smcj · ‎02-14-2026

If you don't anger USB's underwriting algorithm (sensitive to new accounts - there may be an effective 5/24 rule or something near that) and you are in tip-top shape otherwise, you will probably land an SL of $15K, give or take. Seems to be a number they "like to give."

USB starting lines are pretty much a machine making the call (at least at the low end - to those who landed a $1K or $500 limit reading this, and going oh-no-no-tut-tut, you landed those because their algorithm didn't like something about you, even if it isn't obvious what the something was).

Hope this is at least vaguely useful. USB Shield, with its 24-month 0%, would be my first choice if carrying a credit profile with high FICO, zero or 1 inquiry on the relevant CR in the last 6 months, low utilization, and few new accounts (new in the 5/24 sense). In the same stable would be an Elan Zero+ card with a 24-month 0%. Same underwriting backend, similar sensitivities. Not all Zero+ cards have 24-month intro BTs, but Associated Bank has one and there are presumably others.

Wells Fargo is also sensitive to new accounts (5/24 rule or similar), run afoul of it and you'll probably get an outright decline whose denial letter calls it out explicitly (I did).

mgood · ‎02-14-2026

@smcj wrote:
If you don't anger USB's underwriting algorithm (sensitive to new accounts - there may be an effective 5/24 rule or something near that) . . .

I used to see people recommending you be 0/6, and no more than 1/12 when applying with US Bank. I was slightly over that both times I applied and was approved. But one time I was turned down for a CLI or something and the reason listed was too many accounts opened in the last 24 months, so they do look at the x/24 number, at least in some cases.

@smcj wrote:

USB starting lines are pretty much a machine making the call (at least at the low end - to those who landed a $1K or $500 limit reading this, and going oh-no-no-tut-tut, you landed those because their algorithm didn't like something about you, even if it isn't obvious what the something was).

I got a $2k SL on my first USB card. That was low for me at the time, but there were other people around here, who looked like they had profiles at least as good as mine, and who made more money than me, who were getting $500. So I couldn't gripe too much about my 2k. But yeah, my profile was not perfect, especially my "credit seeking behavior."

EQ8 785, TU8 750, EX8 768 as of May 11

AZE11 - 7% Utl - New Cards: 1/6, 3/12, 5/24

smcj · ‎02-14-2026

@mgood wrote:
I got a $2k SL on my first USB card. That was low for me at the time, but there were other people around here, who looked like they had profiles at least as good as mine, and who made more money than me, who were getting $500. So I couldn't gripe too much about my 2k. But yeah, my profile was not perfect, especially my "credit seeking behavior."

This is good for balancing out my anecdotal feedback. My personal experience with the $15K number is while having multiple accounts open with them. I didn't think much of it until I started seeing posts in various forums citing the same number. While everyone won't land it, there does seem to be something "about" it. That said, it doesn't matter if one doesn't reach it. In that scenario I'm guessing they have one or more other tiers below the $15K that their algorithms will dole out as standard starting points.

I have a hunch that utilization is more important to USB even when they care about new accounts, inquiries, and all that. Just a hunch. FWIW I also have a hunch that any inquiry sensitivity they have -- based on my own experience with spacing inquiries out -- kind of follows the FICO scoring rule of an inquiry mattering if within a year, vs. being on the CR at all. This would be a contrast to, for example, Citi, which I'm pretty sure just hates you for daring to have any inquiries whatsoever on the report (ok, maybe not for having any at *all,* but you get the idea) regardless of how long they've been there, effectively imposing some sort of x/24 inquiry rule.

Standard YMMV caveat. But def appricate your data point, been awhile since I was in that specific space with USB and I had kind of forgotten about it.

urluckypenny1 · ‎02-14-2026

Took everyone's advice and tried USBank Shield Transfer card.
trying to transfer of about $13k..... they approve me for $10,200. Should I call them and ask if they can higher the limits? Not sure if that will work. Does Us Bank have a second balance transfer I could try with one hard hard quiry.

I've applied and been approved do I have to accept the card... I mean I could just put up to 92% on the card and pay the other amount off with interest.

or chick I call Wells Fargo reflect transfer card and see there offer.. I know that'll be 2 hard inquiries though.

they keep offering my 12 months 0% but I want a longer term.