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Post CC 0% balance transfer deals on NEW accounts here Archived From: Finance

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Similar to the best no-fee balance transfer deal thread. However since no-fee 0% deals are getting less common a thread with fees should be started. So this thread should have 0% BT deals with or with out fees, however the deal must have a maximum fee. For example, 3% $10 min. $75 max. Many issuers are now offering 3% no max fee, which kills the deal for most FWters.

Please add a link to the web site when adding cards to the Quick Summary and quote relavant text of terms and conditions.


Advanta Business card. Balance Transfers introductory 0% for 15 months. Balance Transfers: 3% fee (minimum $5; max $50 with introductory offer). $50 bonus available through cardoffers.com.

Bank of America Link to check if you are pre-approved. I'm pre-approved for almost 12 months, but I cannot find the balance transfer fee in the fine print. The offer for the Visa Platnium card directly on the web site is "Cash Advance and Balance Transfer Fees (including Overdraft Protection advances): 3% of each advance (min. $10)." No info on "maximum".

Chase has many 12 month BT deals for 3% of the amount of each transaction, but not less than $5.00 nor more than $75.00.

Citi has many 0% for 12 month no fee deals.
(Citibank Premier Pass card has a BT for 12 month from the date of the first transfer which can be used any time within the first 12 month.
Same is available on the Citi Simplicity.)

Discover Platinum has 0% for 12 months no BT fee with application.
(Discover will allow additional no-fee BTs during the first 3 months of the promotional period.)
(Going thru Ebates.com will yield a different, better deal than posted in the other link here. Ebates.com gives an additional $10-20 kickback in addition to a special $10 deal from Discover plus the 0% ,0 Fee BT from Discover.)
$40 bonus available through cardoffers.com (look under Morgan Stanley).

First National Bank Omaha Fixed 0% APR for the first 6 billing cycles after your account is opened. Transaction Fee for Balance Transfers and Balance Transfer Checks None.

GE Money *0% APR for 12 months from the date the account is opened applies to Balance Transfers made using your GE Money Platinum MasterCard. Balance Transfers must be posted to your Account within 12 months from date the account is opened to qualify for this offer. A Transaction Fee for each Balance Transfer that posts to your Account will be charged equal to the greater of $5.00 or 3% of the amount of the Balance Transfer, but no more than $75.00.

HSBC 0% Intro APR on purchases and balance transfers for 12 months from account opening. 3% on balance transfers unless otherwise disclosed ($5 minimum/$50 maximum). This fee will be waived on balance transfer requests permitted at the time of application or on the balance transfer checks included in your Welcome Package.
(The above link now says 6-12 months 0% BT and the max fee went up to $75. $35 bonus available through cardoffers.com for the HSBC GM Flexible Earnings Card which has 12 months 0% BT and a $75 max fee.)

MBNA Elite Rewards has 0% for 12 months. Transaction fee for Balance Transfers and Cash Advance Checks: 3% of each such cash advance (minimum $10, maximum $75).

MBNA WorldPoints VISA - 1%; $50 max until Aug.31.2006.

MBNA Motely Fool: no-fee BT for BTs requested during the application process, 6-months. Then BT fee of 3% of the transaction (minimum $10, maximum $75.)

Principal: no-fee BT, 0% for 5 cycles. Note. $20 dormant fee as discussed in this thread.

Providian 0% FIXED APR for 12 months on Balances Transferrs. Balance Transfer Fee: 3% (min $5, max $75).

RBS 0%APR for 10 mths, BT fee 5-60$

Wells Fargo Platnum Balance Transfer APRs: Introductory rates range between 0% and 5.9% for the first 6 billing cycles the account is open. Balance Transfer Fee: $0 for the first 30 days the account is open and after that, 3% of the amount of each balance transfer but not less than $5 or more than $50.

Message edited by: TheGersh on 2006-09-30 11:02:53 CDT
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MBNA still offers the Motley Fool card with a no-fee BT for BTs requested during the application process. Downside is that the promotional rate is only good for 6-months.

Bank of America also offers a 6-month no-fee BT on most of their new credit card applications.

First National Bank of Omaha offers a 12-month 0% BT offer. No fees on BTs during the application process -- not sure whether BT fees are assessed for others processed during the promotional period.

Also note that Discover will allow additional no-fee BTs during the first 3 months of the promotional period.


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advanta $35 fee 16 months 0% then goto 7.9% fixed


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It is worth mentioning that Citibank Premier Pass card has a BT for 12 month from the date of the first transfer which can be used any time within the first 12 month.


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Same is available on the Citi Simplicity.

Good use for this is to stagger your 0% BT offers so that at least one of them will extend longer than the rest if you're applying for more than one card at a time.


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Updated Quick Summary based on above posts.

Also make it alphabetically.


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I know some people can't take advantage of this, but I just opened a USAA Platinum Cash rewards card. It's a 0% BT for 15 months from the time you open the account with no BT fees. They also seem very generous with their CL. I only have a few cards and my high limit was $9000 (Discover 0% for life), and they approved me over the phone for 18k.

It's also 0% for 15 months on purchases made through Jan '06


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Even better: Citi's Simplicity Rewards gives you 0% 12 months no-fee, *AND* a $100 gift card.
Are there other's like this? I seem to recall Chase had a similar offer.

Edit:
Thread discussing Citi Simplicity Rewards (0%, 12 months, no-fee, $100 gift card) offer: link

Thread discussing Chase's offer (0%, 12 months, $100 bonus reward, 3% transfer fee max $75): link
(offer extended to at least Nov 30 2005)


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http://www.bankofamerica.com/creditcards/index.cfm?template=bankcard_plat_visa

I got 0% APR for purchases and balances transfer for 15 months and no BT fees.
It was an offer from a pre-approved mail.

https://preapproved.bankofamerica.com/SelfInquiry.aspx

The above link let you check if are pre-approve for any special online credit card offers.


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bill777 said:Updated Quick Summary based on above posts.Thanks!


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Added links to various cards.

The Advanata is a business card. Can a regular joe without a small business get this card? If you must have a business, how hard is it to create one (say personal finace consultant on interest rate spreads ?


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AMEX IN:NYC - 6 months


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MBNA Visa WorldPoints - 1%; $50 max until Aug.31.2006.


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walletLess said:MBNA Visa WorldPoints - 1%; $50 max until Aug.31.2006.

1% rate for BT or 1% BT fee?


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All my MBNA cards carry a 3% BT fee (max $50). I think it's pretty universal.


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You can find many more cards offering this at cardoffers.com


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Is there any difference between a personal credit card and a business credit card? do you have to run a business in order to apply for a business card?


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qwe123 said:Is there any difference between a personal credit card and a business credit card? do you have to run a business in order to apply for a business card?That's generally the idea, yes.


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RBS Platinum MC
0% APR on purch and BT for first 10 billing cycles. BT fee min $5 max $60.
They gave me 5k CL, which I considered quite generous compared to eg Citi with CL $0.5k.

info

edited for clarity


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