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You typically need good or excellent credit to qualify for a balance transfer credit card. This means your FICO score should be of 670 or higher. However, there are exceptions. Thus, some issuers offer good 0% balance transfer options for people with fair credit. Students will also find balance transfer offers with low or 0% promotional rates. Some student credit cards do not require applicants to have any prior credit history to qualify. Still, the selection of balance transfer offers will be limited when you have fair or lower credit.