@LingeringBerries - How your credits transfer will be determined by the place you enroll at. When you are accepted as a transfer, you will be given a preliminary evaluation of your courses, but what transfers as what won’t be finalized until after you do enroll. It is entirely possible that you could be admitted as a transfer, but find that so few of your credits apply toward your specific degree program that you need to be there for four years.
Each college/university in the US sets its own policies about general education credits, general college/university graduation requirements, and major graduation requirements. That information can be found right on the college/university website. So dig into the details. You will be able to determine which places will give you the kind of flexibility you desire.