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Balance transfer credit cards offer 0% intro APRs or regular low interest rates to help you save hundreds or thousands on interest charges when you transfer debt from a high-interest credit card. Balance transfer cards are usually reserved for consumers who have fair to excellent credit, although it’s possible to sometimes get a low interest rate card with bad to average credit.

Here are the best balance transfer credit cards for fair credit available now.

Chase Slate

chase-slateThe Chase Slate card is the best choice if you’re transferring a high balance and want to avoid the 3-4% balance transfer fee standard with the vast majority of cards, automatically saving $30 for every $1,000 you transfer. The Chase Slate offers a $0 intro balance transfer fee for the first six months plus a 0% intro APR on purchases and balance transfers for a full 15 months. As an added bonus, the card has no penalty APR, which means your interest rate won’t get hiked if you make a late payment. You will need fair to excellent credit to qualify for the Slate.

Citi Simplicity

citi-simplicity-credit-cardThe Citi Simplicity card offers one of the longest 0% intro APR offers available today with no interest on balance transfers for 21 months, or nearly 2 years! You will still need to pay a 3% balance transfer fee, however, which works out to $30 for every $1,000 you transfer. This card is also the only credit card on the market with no penalty APR, no late fees, and no annual fee ever, truly living up to its name of Simplicity.

The card also includes other nice perks like Citi Price Rewind to get the difference back if a price drops within 60 days of purchase, Identity Theft Solutions, EMV chip technology, and Extended Warranty protection. You’ll need very good to excellent credit for the Citi Simplicity.

Alliant Credit Union Visa Platinum Card

alliant-credit-union-visa-platinum-cardThe Alliant Credit Union Visa Platinum is a good choice if you qualify with a 0% intro APR for 12 months then a standard variable rate of 9.49% to 21.49%. The Alliant CU card has no balance transfer fee except when it’s associated with a promo offer and it offers generous credit limits with no annual fee. It also works with Apple Pay, Android Pay, and Samsung Pay for mobile payments in-store.

To qualify, you will need to become a member of Alliant Credit Union by being an employee or retiree of select organizations, a relative of an Alliant member, living or working in a select community in Illinois, or contributing $10 or more to Foster Care To Success.

Bank Americard Visa

bank-americard-visaThe Bank Americard Visa is a good choice if you have fair to excellent credit and you want to save on interest year-round. This card has Bank of America’s lowest interest rate among all BoA cards with a 0% intro APR for the first 18 months followed by a variable APR of 11.24% to 21.24%. There is a 3% balance transfer fee, however, but no annual fee.

This is a fairly standard credit card without any rewards, but it does have chip technology and digital wallet technology to support Apple Pay, Samsung Pay, and Android Pay with your mobile device.

Capital One QuicksilverOne

capital-one-quicksilveroneIf your credit score is fair to average, you may have trouble qualifying for the best balance transfer cards. A good solution is the QuicksilverOne card from Capital One. This card offers a 0% APR offer for 9 months with no balance transfer fee — a perk that’s hard to find for people with average to fair credit scores.

While it’s best to wait until you pay off your transferred balance before making new purchases, it’s nice to know the QuicksilverOne card also earns an unlimited 1.5% cash back on all purchases and gives you a credit limit increase after the first 5 on-time monthly payments. Note that there is a $39 annual fee for this card.