Will applying for a credit card hurt my 780 credit score?

Most credit card applications result in a hard inquiry, which typically lowers your score by 5-10 points temporarily. The impact diminishes over 12 months and falls off your report after 2 years. Only apply for cards you're confident you'll be approved for.

780

Excellent Credit · 7 cards matched

Best balance transfer cards for a 780 score.

Q: Is a 780 credit score good enough for a balance transfer card?

A 780 score is considered excellent credit. Excellent — universal approval with the best possible terms across all issuers. We found 7 cards in this category that accept your score range.

These balance transfer credit cards accept applicants in your range. Ranked by rewards value and the likelihood you actually get approved.

Excellent Credit

Excellent — universal approval with the best possible terms across all issuers

Apr 6, 2026

What 780 means.

A 780 score represents top-tier creditworthiness. You are in the upper echelon of the excellent range, and there is no credit card you cannot qualify for. At this level, the game is purely about optimizing your card portfolio for maximum rewards, perks, and value across your spending patterns.

Balance Transfer for 780+ Scores

ENTRY
01
CITI · MASTERCARD
Citi Double Cash Card
2% cash back (1% on purchase, 1% on payment)
— Flat 2% cash back on everything — no categories to track— 0% intro APR on balance transfers for 18 months— No annual fee
FEE
$0
APR
18.24–28.24%
MIN SCORE
670
Apply →READ THE FULL REVIEW →
ENTRY
02
CITI · MASTERCARD
Citi Diamond Preferred Card
No rewards
— 0% intro APR on balance transfers for 21 months (industry-leading)— 0% intro APR on purchases for 12 months— No annual fee
FEE
$0
APR
18.24–28.99%
MIN SCORE
670
Apply →READ THE FULL REVIEW →
ENTRY
03
WELLS FARGO · VISA
Wells Fargo Reflect Card
No rewards
— 0% intro APR for 21 months on purchases and balance transfers— No annual fee— Cell phone protection up to $600
FEE
$0
APR
18.24–29.99%
MIN SCORE
670
Apply →READ THE FULL REVIEW →
ENTRY
04
U.S. BANK · VISA
U.S. Bank Visa Platinum Card
No rewards
— 0% intro APR on balance transfers for 20 billing cycles— 0% intro APR on purchases for 18 billing cycles— No annual fee
FEE
$0
APR
18.74–29.74%
MIN SCORE
670
Apply →READ THE FULL REVIEW →
ENTRY
05
PENFED · VISA
PenFed Gold Visa Card
No rewards
— 0% intro APR on balance transfers for 12 months— No annual fee— No balance transfer fee
FEE
$0
APR
17.99–17.99%
MIN SCORE
670
Apply →READ THE FULL REVIEW →
ENTRY
06
CITI · MASTERCARD
Citi Simplicity Card
No rewards
— 0% intro APR on balance transfers for 21 months— No late fees ever— No penalty APR
FEE
$0
APR
18.24–28.99%
MIN SCORE
670
Apply →READ THE FULL REVIEW →
ENTRY
07
BARCLAYS · MASTERCARD
Barclays View Mastercard
No rewards
— 0% intro APR for 15 months on purchases and balance transfers— No annual fee— Free FICO score access
FEE
$0
APR
21.24–29.24%
MIN SCORE
670
Apply →READ THE FULL REVIEW →

Try another digit.

580

Poor Credit

600

Poor Credit

620

Fair Credit

640

Fair Credit

650

Fair Credit

660

Good Credit

670

Good Credit

680

Good Credit

700

Very Good Credit

720

Very Good Credit

740

Very Good Credit

760

Excellent Credit

780

Excellent Credit

Frequently filed.

With a 780 credit score (Excellent Credit), you have 7 balance transfer card options. Our top pick is the Citi Double Cash Card, which offers 2% cash back (1% on purchase, 1% on payment).