Ranked by How Much of the Degree Transfer Credit Can Cover

Online Colleges That Accept the Most Transfer Credits in 2027

Online colleges that accept the most transfer credits can leave you with fewer courses to finish. This ranking orders online bachelor’s programs by one published number: the largest share of the degree that transfer credit may cover. Your own evaluation decides what actually applies, so use the list to choose where to send transcripts first.

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A useful place to begin

How Much of Your Bachelor’s Degree Transfer Credit Can Cover

A transfer maximum is a ceiling, not a promise. Your courses still have to fit general education, the major, and electives, and most schools require a final block of credits through their own classes. Each card shows the published maximum beside the degree’s total credits, so the remaining work is visible in plain numbers.

Most programs here cap transfer credit at three quarters of the degree, which usually means 90 of 120 semester credits. A few publish a larger allowance. Programs with equal shares are listed alphabetically, so order inside a tie says nothing about quality. Read the residency rule on each card next to the maximum.

This shortlist includes 11 online degree offerings at 11 colleges. Compare transfer credit policies with the requirements of your chosen major. Check each program’s schedule and any laboratory, fieldwork, or campus commitments before enrolling.

How this list is ranked

We divide each program’s published maximum transfer credits by the total credits its degree requires, using the school’s own numbers, and order the list from the largest share to the smallest. Where a school states its maximum as a percentage, we use that percentage. Programs with equal shares appear alphabetically. The ranking does not predict how many of your credits a school will accept.

Read our program selection method ↗

Compare Online Colleges That Accept the Most Transfer Credits

Rank / schoolOur reason to consider itPublished Transfer Maximum
#1ExcelsiorBachelor of Science in Health SciencesTransfer credit can cover nearly the whole degreeOnline113 of 120 creditsUp to 113 credits can transfer. Eligible healthcare licenses and certifications can also receive credit after evaluation. 120 total credits, including general education, a health sciences major core, university coursework, and electives or a concentration.
#2FranklinBachelor of Science in Information TechnologyRoom for 94 transfer credits in an IT degreeOnline94 of 124 creditsUp to 94 previously earned college credits; selected industry certifications can replace specific coursework. 124 semester credits; at least 30 credit hours at Franklin.
#3CSU GlobalBachelor of Science in Information Technology90 credits across college, exam, and training sourcesOnline90 of 120 creditsUp to 90 credits total, including up to 64 from community colleges and 60 from nontraditional sources; program requirements still apply. 120 total credits, including the Information Technology capstone.
#4Columbia SouthernBS in Homeland Security90 approved credits toward homeland securityOnline90 of 120 creditsUp to 90 approved transfer credits toward the degree. 120 total credits, including the required Homeland Security major.
#5EKUBS in Criminal Justice90 transfer hours plus a named training pathwayOnline90 of 120 creditsUp to 90 hours from accredited institutions; at least 30 credits in the degree must be completed at EKU. 120 total credits, including a minimum of 30 credits at EKU.
#6Eastern OregonBachelor of Arts in Early Childhood Education135 quarter credits can transferOnline135 of 180 quarter creditsUp to 135 quarter credits after evaluation; at least 20 credits in the major must be completed through Eastern Oregon. 180 quarter credits; the degree includes two classroom teaching practica. The BA has foreign-language requirements.
#7LSU ShreveportBachelor of General StudiesGeneral studies with a 90-credit allowanceOnline90 of 120 creditsUp to 90 credits can transfer, with a 60-credit limit from two-year institutions. The degree requires 120 credits and 45 upper-level credits; at least 30 of the final 40 credits must be earned at LSUS.
#8MethodistBachelor of Science in Exercise and Sport ScienceUp to 93 credits toward exercise scienceOnline93 of 124 credit hoursUp to 93 transfer credit hours. 124 credit hours total.
#9MonroeBachelor of Science in Professional Studies90 credits plus a portfolio of work learningOnline90 of 120 creditsUp to 90 transfer credits. Prior learning is evaluated for relevance, substance and extent. 120 total credits; at least 30 credits must be completed at Monroe.
#10UA GranthamBS in Computer ScienceUp to 75% of a computer science degreeOnline75% of 120 creditsUp to 75% of the degree's credits may transfer through approved coursework. 120 total credits: an 84-credit program core and 36 general education credits.
#11UMGCBS in Business Administration and ManagementA 90-credit ceiling with a clear two-year limitOnline90 of 120 creditsUp to 90 transfer credits from four-year schools or 70 from two-year schools, subject to evaluation and degree requirements. At least 30 credits through UMGC, including half the major and 15 upper-level credits, within the 120-credit degree.
The programs, with context

Online Colleges Ranked by Their Published Transfer Maximum

#1
Transfer Credit Can Cover Nearly the Whole Degree

Excelsior University

Bachelor of Science in Health Sciences

OnlineTransfer entry route

Ranks #1 of 11 because its published transfer maximum covers 94.2% of the degree (113 of 120 credits). No other program on this list publishes a larger share.

Excelsior’s online health sciences degree lets transfer credit reach 113 of its 120 credits, which suits someone who already holds a stack of college courses plus healthcare licenses or certifications. Excelsior evaluates those credentials for applicable credit, and concentrations in health science, wellness, management, and public health give mixed coursework several places to land. The 24-credit major core is where your evaluation questions belong.

Before you apply: Ask which credentials Excelsior recognizes for your field and how many major-core credits remain after review. A 113-credit ceiling still leaves any courses your transcript cannot fill.

Transfer Maximum and Degree Size
Up to 113 credits can transfer. Eligible healthcare licenses and certifications can also receive credit after evaluation. 120 total credits, including general education, a health sciences major core, university coursework, and electives or a concentration.
Study Schedule
Asynchronous online study lets you complete coursework without a fixed classroom meeting.
#2
Room for 94 Transfer Credits in an IT Degree

Franklin University

Bachelor of Science in Information Technology

OnlineTransfer entry route

Ranks #2 of 11 because its published transfer maximum covers 75.8% of the degree (94 of 124 credits). 1 program on this list publishes a larger share.

Franklin will apply as many as 94 earlier college credits to its 124-credit IT bachelor’s, and selected networking, security, and systems certifications can stand in for specific courses. That combination helps a working technician whose learning sits partly on a transcript and partly in credentials. Six- and twelve-week online courses then cover the networks, databases, and infrastructure work that remains.

Before you apply: The capstone must be taken at Franklin, and major courses need a C or better with a 2.25 major GPA. Bring credential names and dates to your evaluation.

Where You Start
Admission requires documented high school completion or an eligible college degree. Submit official transcripts from every previously attended college; Franklin determines the documentation required for your transfer record.
#3
90 Credits Across College, Exam, and Training Sources

Colorado State University Global

Bachelor of Science in Information Technology

OnlineTransfer entry route

Ranks #3 of 11 because its published transfer maximum covers 75% of the degree (90 of 120 credits). 9 programs on this list share that percentage, so they appear in alphabetical order.

CSU Global lets up to 90 credits count toward its online IT degree, and that total can draw on more than earlier college courses. Up to 64 may come from community colleges and up to 60 from nontraditional sources such as credit by exam or prior learning. For an IT worker with both coursework and training, those separate limits make the planning concrete.

Before you apply: Standard transfer entry asks for 24 semester credits, a 2.30 GPA, and two years of work, internship, or volunteer experience. The IT capstone stays on your plan.

Transfer Maximum and Degree Size
Up to 90 credits total, including up to 64 from community colleges and 60 from nontraditional sources; program requirements still apply. 120 total credits, including the Information Technology capstone.
Where You Start
Standard transfer entry: 24 semester or 36 quarter credits, 2.30 cumulative GPA, good academic standing and two years of work, internship or volunteer experience. Provisional routes have separate conditions.
#4
90 Approved Credits Toward Homeland Security

Columbia Southern University

BS in Homeland Security

OnlineTransfer entry route

Ranks #4 of 11 because its published transfer maximum covers 75% of the degree (90 of 120 credits). 9 programs on this list share that percentage, so they appear in alphabetical order.

Columbia Southern lets approved transfer work fill as many as 90 of the 120 credits in its online homeland security degree. What remains centers on terrorism, border management, cyber threats, and protecting infrastructure. That suits a returning student whose earlier coursework came from public safety, criminal justice, or emergency services. Around-the-clock course access also helps if your job runs on shifts.

Before you apply: Ask which public-safety courses satisfy the homeland security major rather than general electives. The major is where your remaining courses concentrate.

Transfer Maximum and Degree Size
Up to 90 approved transfer credits toward the degree. 120 total credits, including the required Homeland Security major.
Where You Start
Apply for the online bachelor's program and request transfer-credit review of previous college coursework through the university's admissions process.
Study Schedule
Fully online coursework with around-the-clock course access and eleven annual start dates.
#5
90 Transfer Hours Plus a Named Training Pathway

Eastern Kentucky University

BS in Criminal Justice

OnlineTransfer entry route

Ranks #5 of 11 because its published transfer maximum covers 75% of the degree (90 of 120 credits). 9 programs on this list share that percentage, so they appear in alphabetical order.

Eastern Kentucky accepts up to 90 hours from accredited institutions in its online criminal justice degree, and eligible Kentucky Department of Criminal Justice Training coursework can earn nine college credits. For a Kentucky officer with some college, those two routes together can cover a large part of the 120-credit degree. Seven-week online terms keep the remaining courses moving.

Before you apply: At least 30 credits must be completed at EKU. Confirm that your academy training matches the named pathway before counting those nine credits.

Transfer Maximum and Degree Size
Up to 90 hours from accredited institutions; at least 30 credits in the degree must be completed at EKU. 120 total credits, including a minimum of 30 credits at EKU.
Study Schedule
Online courses use seven-week terms, with no required campus visits for the online route.
#6
135 Quarter Credits Can Transfer

Eastern Oregon University

Bachelor of Arts in Early Childhood Education

OnlineTransfer entry route

Ranks #6 of 11 because its published transfer maximum covers 75% of the degree (135 of 180 quarter credits). 9 programs on this list share that percentage, so they appear in alphabetical order.

Eastern Oregon counts credit in quarters, so its 135-credit transfer maximum sits inside a 180-quarter-credit early childhood education BA. Semester coursework is converted during evaluation, which matters if your earlier college used semesters. This nonlicensure degree pairs online study of child development and teaching methods with two classroom practica, so transfer credit shortens the academic coursework while the practica stay on your plan.

Before you apply: Admission to the ECE program requires ECED 311 and 312. At least 20 credits in the major must be completed through Eastern Oregon.

Transfer Maximum and Degree Size
Up to 135 quarter credits after evaluation; at least 20 credits in the major must be completed through Eastern Oregon. 180 quarter credits; the degree includes two classroom teaching practica. The BA has foreign-language requirements.
Study Schedule
Online academic courses with teaching practica in classroom settings.
#7
General Studies With a 90-Credit Allowance

Louisiana State University-Shreveport

Bachelor of General Studies

OnlineTransfer entry route

Ranks #7 of 11 because its published transfer maximum covers 75% of the degree (90 of 120 credits). 9 programs on this list share that percentage, so they appear in alphabetical order.

LSU Shreveport’s online Bachelor of General Studies accepts up to 90 transfer credits, with no more than 60 from two-year institutions. A general studies structure gives scattered coursework a better chance of applying, since the Applied and Social Sciences concentration and enrichment electives draw on several fields. Credits from a four-year school stretch furthest under this policy.

Before you apply: The degree needs 45 upper-level credits, and at least 30 of the final 40 credits must be earned at LSUS. The General Studies Seminar requires a C or better.

Transfer Maximum and Degree Size
Up to 90 credits can transfer, with a 60-credit limit from two-year institutions. The degree requires 120 credits and 45 upper-level credits; at least 30 of the final 40 credits must be earned at LSUS.
#8
Up to 93 Credits Toward Exercise Science

Methodist University

Bachelor of Science in Exercise and Sport Science

OnlineTransfer entry route

Ranks #8 of 11 because its published transfer maximum covers 75% of the degree (93 of 124 credit hours). 9 programs on this list share that percentage, so they appear in alphabetical order.

Methodist accepts up to 93 transfer credit hours in its online exercise and sport science degree, which runs 124 credits in total. A returning student with earlier biology, health, or general education coursework can keep much of it in play. The remaining study centers on human nutrition, sport psychology, biomechanics, and exercise physiology, taught in asynchronous eight-week terms.

Before you apply: Science courses taken years ago may need a closer look against the biomechanics and physiology sequence. Ask how each one maps before you count it.

Transfer Maximum and Degree Size
Up to 93 transfer credit hours. 124 credit hours total.
Where You Start
Applicants submit official transcripts for prior college coursework; up to 93 credit hours may transfer.
#9
90 Credits Plus a Portfolio of Work Learning

Monroe University

Bachelor of Science in Professional Studies

OnlineDegree completion route

Ranks #9 of 11 because its published transfer maximum covers 75% of the degree (90 of 120 credits). 9 programs on this list share that percentage, so they appear in alphabetical order.

Monroe’s Professional Studies degree accepts up to 90 transfer credits and pairs them with a support team that helps you build a portfolio from training, employment, and community experience. That gives a working adult two ways to fill the 120-credit degree. Specializations in IT management, human services administration, and public health management give the remaining coursework a career direction.

Before you apply: Prior learning is judged on its relevance, substance, and extent. At least 30 credits must be completed at Monroe, including the research capstone and ePortfolio.

Transfer Maximum and Degree Size
Up to 90 transfer credits. Prior learning is evaluated for relevance, substance and extent. 120 total credits; at least 30 credits must be completed at Monroe.
Where You Start
High school diploma or equivalent, or a recognized associate degree or higher; application and personal statement or essay.
Study Schedule
Online option available.
#10
Up to 75% of a Computer Science Degree

University of Arkansas Grantham

BS in Computer Science

OnlineTransfer entry route

Ranks #10 of 11 because its published transfer maximum covers 75% of the degree. 9 programs on this list share that percentage, so they appear in alphabetical order.

UA Grantham states its transfer allowance as a share: up to 75% of the computer science degree’s credits may transfer through approved coursework. The degree totals 120 credits, with an 84-credit program core in programming, databases, and software engineering. That structure favors a returner with earlier computing courses, since most of the degree sits inside the major.

Before you apply: Older programming courses may not line up with the C++, C#, and .NET sequence. Ask which core courses your transcript can replace before counting on 75%.

Transfer Maximum and Degree Size
Up to 75% of the degree's credits may transfer through approved coursework. 120 total credits: an 84-credit program core and 36 general education credits.
Where You Start
Discuss previous college coursework with admissions and request a transfer evaluation for this online bachelor's program.
Study Schedule
Online coursework.
#11
A 90-Credit Ceiling With a Clear Two-Year Limit

University of Maryland Global Campus

BS in Business Administration and Management

OnlineTransfer entry route

Ranks #11 of 11 because its published transfer maximum covers 75% of the degree (90 of 120 credits). 9 programs on this list share that percentage, so they appear in alphabetical order.

UMGC spells out two transfer ceilings for its online business administration and management degree: up to 90 credits from four-year schools or 70 from two-year schools. That clarity helps anyone who attended both kinds of college estimate where they stand. The program also admits students without a business background, so credits from another field can still fill general education and electives.

Before you apply: Half the major must be graded coursework, and exams, portfolios, and noncollegiate training do not count toward that half. At least 30 credits come through UMGC.

Transfer Maximum and Degree Size
Up to 90 transfer credits from four-year schools or 70 from two-year schools, subject to evaluation and degree requirements. At least 30 credits through UMGC, including half the major and 15 upper-level credits, within the 120-credit degree.
Where You Start
Meet UMGC's undergraduate admission requirements, including a high school diploma or approved equivalent and English proficiency. Recent college attendance affects regular or provisional admission.

Why a Transfer Maximum Is Not Your Transfer Evaluation

The maximum tells you the most credit a school will apply to the degree. Your evaluation tells you which of your courses meet a requirement. Someone with 100 credits of unrelated electives can end up with less applied credit than someone with 70 credits that line up with the major.

Ask each school for a written evaluation against the exact degree on the card. Compare the credits applied to general education, the major, and electives, then count the courses left. That remaining list, not the ceiling, sets your cost and your timeline.

Community College Credits Can Have a Separate Limit

Several schools set a lower cap for credit from two-year colleges. UMGC accepts up to 90 credits from four-year schools but 70 from two-year schools. CSU Global’s 90-credit maximum includes no more than 64 community college credits, and LSU Shreveport limits two-year credit to 60. If most of your credit comes from a community college, compare using that smaller number.

Exam and prior-learning credit can carry its own limit inside the overall maximum. CSU Global, for example, caps nontraditional sources such as credit by exam at 60 credits.

Plan for the Credits You Must Take at the School

Nearly every program here requires a final block of coursework through the school itself. Franklin and Eastern Kentucky each ask for at least 30 credits at the institution, and Eastern Oregon requires at least 20 credits in the major through EOU. Those rules, plus any capstone, are the minimum work left even after a strong evaluation.

Count that residency block when you estimate cost. Multiply the credits you still need by the published tuition rate, then add fees, so the comparison reflects the classes you would actually take.

Before your next conversation

Questions About Online Colleges That Accept the Most Transfer Credits

Which Online College Accepts the Most Transfer Credits on This List?

Excelsior University ranks #1 on this list for its Bachelor of Science in Health Sciences, because its published transfer maximum covers 94.2% of the degree (113 of 120 credits). The next program, Franklin University, covers 75.8% (94 of 124 credits). Your own evaluation decides what applies to you.

Can I Transfer 90 Credits Toward a Bachelor’s Degree?

Many programs on this list allow up to 90 credits toward a 120-credit degree. Whether you reach 90 depends on how your courses fit the degree’s requirements, your grades, and any separate limit on community college or exam credit. Get a written evaluation before you count on the maximum.

Do Community College Credits Count Toward the Maximum?

Yes, though some schools cap them below the overall maximum. UMGC accepts up to 70 credits from two-year schools, CSU Global up to 64 from community colleges, and LSU Shreveport up to 60 from two-year institutions. Check that limit if most of your credits come from a community college.

Does a Larger Transfer Allowance Make a Degree Easier?

No. A larger allowance means more of your earlier coursework can count. The courses you take at the school keep their own standards. Franklin, for example, requires a 2.25 GPA in the major and a capstone completed at Franklin.

Are These Rankings Based on Payments From Colleges?

No. The order comes from the published number described in the ranking method, sorted the same way for every school. Separate sponsored listings are labeled advertisements, and DegreeCompletion.com may receive compensation from them or their referrals. Sponsored placements do not change the order of this list.

Sources for These Degree Completion Programs

Program details come from the schools’ own degree, admission, transfer, and tuition pages. Program selection follows the criteria stated above. Each school determines how your previous coursework applies.

View 19 Source Records and Review Dates
  1. Online Bachelor's Degree in Health Science | Excelsior UniversityReviewed 2026-09-14
  2. Information Technology Degree | Online IT Bachelors | Franklin.eduReviewed 2026-09-14
  3. Franklin University Tuition and FeesReviewed 2026-09-16
  4. Franklin University Undergraduate Admission RequirementsReviewed 2026-09-16
  5. Transfer to CSU Global | Transfer Credits Accepted | Colorado State University GlobalReviewed 2026-09-14
  6. Online Bachelor's Degree in Information Technology (IT) | CSU Global | AccreditedReviewed 2026-09-14
  7. Admission Requirements for Undergraduate Students | Colorado State University GlobalReviewed 2026-09-14
  8. B.S. Homeland SecurityReviewed 2026-09-08
  9. Bachelor of Science in Criminal Justice - Eastern Kentucky UniversityReviewed 2026-09-07
  10. Eastern Oregon: Bachelor of Arts in Early Childhood EducationReviewed 2026-09-07
  11. Eastern Oregon registrar: transfer credits and quarter systemReviewed 2026-09-14
  12. Online General Studies Degree | Transfer Friendly! | LSU OnlineReviewed 2026-09-09
  13. Online Exercise Science Degree | BS Exercise & Sport Science - MUReviewed 2026-09-15
  14. Bachelor’s Degree in Professional Studies at Monroe UniversityReviewed 2026-09-14
  15. Online Computer Science Bachelor Degree | UA GranthamReviewed 2026-09-07
  16. How can I transfer undergraduate credits to UMGC? | UMGC Help CenterReviewed 2026-09-14
  17. Bachelor's Degree Requirements | UMGCReviewed 2026-09-14
  18. Business Administration & Management Bachelor’s Degree | UMGCReviewed 2026-09-14
  19. UMGC Policy on Undergraduate Admissions | UMGCReviewed 2026-09-14
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