The best 0% APR balance transfer cards are usually available only to those with good or excellent credit. Typically, that means having a credit score of at least 670 or more.
Balance transfer cards for fair credit are harder to come by, and they may not offer 0% APR. Instead, they may charge a lower interest rate for their introductory period. Before signing up for one of these cards, be sure to read the fine print and calculate your potential savings - including any balance transfer fees. What's more, be aware that late payments could cause an immediate increase in the APR.