10 Online Colleges That Accept 90 Transfer Credits 2026

Many transfer students already have a significant amount of college coursework completed and want to avoid starting over. Online colleges that accept 90 transfer credits offer one of the most practical paths to finishing a bachelor’s degree without repeating classes.

Transferring 90 credits typically means applying 75% of a 120-credit bachelor’s degree toward graduation. This transfer limit represents the most common maximum allowed by regionally accredited universities, making it an achievable goal for many students.

How 90-Credit Transfer Policies Work

Most accredited universities require students to complete a portion of their degree through the institution awarding the credential. As a result, many schools cap transfer credits at 90, ensuring that at least 30 credits are completed in residence.

This structure balances flexibility with academic oversight and is widely accepted by accrediting agencies. For students who have completed an associate degree plus additional coursework, a 90-credit transfer policy can significantly shorten the time to graduation.

10 Online Colleges That Accept 90 Transfer Credits

Many universities allow students to transfer up to 90 credits toward a 120-credit bachelor’s degree, making it possible to complete the final 30 credits at the new institution. Below, we'll dive into colleges that accept transfer credits so you can get the most out of your degree.

1. Franklin University

Franklin University accepts up to 94 transfer credits, slightly exceeding the standard 90-credit ceiling at many institutions. This higher cap makes it one of the most flexible options for students approaching full degree completion.

Franklin is regionally accredited by the Higher Learning Commission (HLC) and markets itself as a transfer-focused university. Its Transfer Advantage program is designed for students who have attended multiple colleges and want to combine credits efficiently.

2. Southern New Hampshire University

Southern New Hampshire University (SNHU) accepts up to 90 transfer credits toward most bachelor’s programs. The university is known for its block transfer approach, often applying an entire associate degree without evaluating each course individually.

SNHU is regionally accredited by the New England Commission of Higher Education (NECHE) and offers a wide range of online degree programs. Its streamlined transcript evaluation process helps students understand how their credits apply before enrolling.

3. University of Maryland Global Campus

The University of Maryland Global Campus (UMGC) allows students to transfer up to 90 credits from regionally accredited institutions. The university is especially experienced in evaluating workplace training, professional certifications, and military coursework.

UMGC is regionally accredited by the Middle States Commission on Higher Education (MSCHE) and has a long history of serving transfer students. Its structured transfer pathways make it a strong option for students looking to apply the maximum allowable credits.

4. University of Oklahoma Online

The University of Oklahoma (OU) Online accepts up to 90 transfer credits for eligible bachelor’s programs. Its Bachelor of Integrative Studies degree is specifically designed for students who have accumulated substantial prior coursework.

OU is regionally accredited by HLC and carries the reputation of a major public research university. This combination of brand recognition and transfer flexibility appeals to students seeking both prestige and efficiency.

5. Colorado State University Global

Colorado State University (CSU) Global allows students to transfer up to 90 credits toward a bachelor’s degree. The university provides a transparent transfer evaluation tool that helps students see how credits will apply before committing.

CSU Global is regionally accredited by HLC and operates as an independent, fully online state university. Its clear policies and planning tools make it appealing for transfer-heavy students.

6. University of Maine at Presque Isle

The University of Maine at Presque Isle (UMPI) accepts up to 90 transfer credits through its YourPace program. This option allows students to apply most previously earned coursework and focus only on completing remaining degree requirements.

UMPI is regionally accredited by NECHE and operates as a public state university. Its YourPace format is especially popular with students using alternative credits and seeking an accelerated path to graduation.

7. Regent University

Regent University allows students to transfer up to 90 credits toward a bachelor’s degree. The university is particularly generous in evaluating prior learning through portfolio-based assessments.

Regent is regionally accredited by the Southern Association of Colleges and Schools Commission on Colleges (SACSCOC). Students with significant work or life experience may find it easier to reach the 90-credit transfer limit through its PLA options.

8. Peirce College

Peirce College accepts up to 90 transfer credits, and in some cases, more, depending on the program. The college offers a Finish in a Year track designed specifically for students who transfer in close to the maximum allowed credits.

Peirce is regionally accredited by MSCHE and is known for supporting adult learners. Its openness to ACE-recommended credits makes it a flexible option for nontraditional students.

9. Bellevue University

Bellevue University allows students to transfer up to 90 credits toward a bachelor’s degree. The university emphasizes applying real-world experience and previously earned credits toward degree completion.

Bellevue is regionally accredited by HLC and offers numerous degree completion programs. Its focus on adult learners makes it a strong choice for students transferring a full associate degree plus additional electives.

10. University of Phoenix

The University of Phoenix typically accepts between 87 and 90 transfer credits, depending on the program. The university has extensive 3+1 agreements with community colleges to support structured transfer pathways.

The University of Phoenix is regionally accredited by HLC and remains one of the largest providers of online education. While it operates as a for-profit institution, its transfer systems are designed to accommodate students with substantial prior coursework.

How We Rank Schools

To create this list, we review transfer credit policies published by each institution, along with data from the U.S. Department of Education College Scorecard and the National Center for Education Statistics (NCES). We focus specifically on how schools handle large-volume transfers toward a standard 120-credit bachelor’s degree. Our ranking considers the following factors:

• Maximum transfer credits allowed: Schools are evaluated based on whether they accept up to 90 credits or more toward a bachelor’s degree, with higher caps receiving greater consideration.
• Accreditation: All listed institutions hold recognized regional accreditation, which supports credit transferability and degree recognition by employers and graduate schools.
• Transfer transparency: Universities with clear transfer guides, course equivalency tools, or upfront transcript evaluations rank higher for ease of planning.
• Support for adult learners: Institutions designed for working adults and degree completion students often provide more flexible transfer policies and advising support.
• Student outcomes: Graduation rates, program availability, and institutional experience with transfer students are considered when assessing overall value.

How to Make the Most of a 90-Credit Transfer

Transferring 90 credits can dramatically reduce the time and cost required to earn a bachelor’s degree. However, reaching the maximum transfer limit often requires careful planning and clear communication with the receiving institution.

Students who approach the transfer process strategically are more likely to avoid losing credits. The steps below can help ensure that as many credits as possible apply toward degree requirements.

• Complete an associate degree when possible: Many universities apply associate degrees as a complete block of credits, which can make it easier to reach the 90-credit transfer limit. This approach often satisfies general education requirements automatically.
• Choose degree-completion programs: Programs designed for transfer students typically have more flexible credit policies. These programs are built to accommodate students entering with 60 to 90 credits.
• Review transfer guides before enrolling: Transfer tools and equivalency guides show how courses apply to specific majors. Using these resources helps you avoid taking classes that will not count.
• Submit transcripts early for evaluation: Early transcript reviews allow schools to identify how many credits will transfer before you commit. This makes it easier to compare schools and choose the best fit.
• Confirm residency requirements upfront: Most schools require at least 30 credits to be completed in residence. Knowing these requirements early helps you plan your final coursework efficiently.

Making informed decisions at each step can shorten your path to graduation. A well-planned 90-credit transfer often represents the most practical and widely accepted route to degree completion.

FAQs About Online Colleges That Accept 90 Transfer Credits

Students transferring a large number of credits often have questions about limits, residency requirements, and degree completion timelines. The answers below address common concerns for students considering online colleges with 90-credit transfer policies.

Is Transferring 90 Credits the Maximum for Most Colleges?

Yes, 90 credits is the most common maximum transfer limit at regionally accredited universities. This equals 75% of a standard 120-credit bachelor’s degree. Most schools require the remaining credits to be completed in residence.

Do All Online Colleges Accept 90 Transfer Credits?

Not all online colleges allow students to transfer the full 90 credits. Transfer limits vary by institution and degree program. Schools designed for adult learners and degree completion are more likely to accept the maximum allowed credits.

Will an Associate Degree Automatically Transfer as 60 Credits?

Many universities apply a completed associate degree as a block of general education credits. This can make it easier to reach the 90-credit transfer limit. However, policies vary, so confirmation with the receiving school is important.

Are Community College Credits More Likely to Transfer?

Credits from regionally accredited community colleges are among the most widely accepted. General education courses typically transfer more smoothly than specialized major coursework. Reviewing articulation agreements helps clarify how credits will apply.

Can I Transfer Credits After I Enroll?

Some schools allow students to submit additional transfer credits after enrollment. Deadlines and restrictions may apply depending on the program. Speaking with an academic advisor early can help prevent missed opportunities.

Explore Online Colleges That Accept 90 Transfer Credits

Choosing from online colleges that accept 90 transfer credits can help you finish your bachelor’s degree faster and avoid repeating coursework. Learn.org makes it easy to compare accredited online colleges and explore programs designed for transfer students.