0%/low APR credit card offers for BT and purchases sorted by terms, BT savings & stoozing profit -5/28/8 update

Can someone recommend a card for me? $2,300 balance on a Chase card with 16.24% purchase APR. It's my only credit card. I'd like to transfer that balance and also get a $1,500 cash advance with the plan of paying everything off within the first year. I'm in my late 20s and my last credit rating was about 780. Attorney, but salary isn't great. Thanks.

This may have been already noted above, but Drivers' Edge apparently now imposes a BT fee.

Squeezer99 said: jrspec said: This may have been already noted above, but Drivers' Edge apparently now imposes a BT fee.

here it doesn't link

Agreed. There is still no fee.

purplehearts said: I think the best 0% deal is from advanta - their advanta business with rewards card. 0% for 15 months - 3% of BT, max of only $50. If you have a large amount to transfer, I think a 15 month deal beats a 12 month deal anytime despite the fees.

But I noticed a couple of citi cards have removed their maximum fees from the BT fees and BOA cards now also do not cap the BT fees. Read the terms and conditions of the BT fees before you actually do a BT.The problem with Advanta is, even given an application with excellent credit, they assign teeny-weeny credit limits. I typically get over $10k with every card application, but recently Advanta hilariously sent me a card with a $1k credit limit.

MikeR397 said: I have not seen that with advanta at all. It seems to me that they almost always give out a 12.5k credit line (unfortunately they do not go higher typically). There are a few lower lines assigned, but I think most people here are getting the 12.5k line. At 15 mo's 0%, this is definately worth it!
On my first AOR, I got 2.5K CL with 65k HHI. I was able to increase to 5k after soft pull @ 6 months. I plan to ask for big CLI(hard pull) this November, but I really don't see any point now that BT offer will be pretty much done and they pretty much eliminated 5% Cash Back on the card.

Citizens bank has 0% BTs on several cards for 6-10 months with capped transaction fees on their website. I also get pre-approvals from them for 12 month 0% BTs. Does anyone have any experience with this bank (ie credit limits, BT to checking etc)? Looks tempting to me. www.citizensbank.com

lhendricks92 said: Here's a US Bank phone application offer.

0%, 12 months, no BT fees (if requested with application). Offer expires September 30th.

I just call , the rep on the phone say they will pull all 3 CB, So I decide to pass that.

It looks like the US bank Baylor card would be the best for a person who wants a no fee balance transfer, and also have 0% APR for promo purchases. Is this correct? I did not see anything else mentioned, but wanted to make sure.

Additionaly, it looks like this has a rewards program, which is a bonus. Anyone get this card yet? I wish it didn't have to say Baylor on it!

chocula said: jhunter2323 said: It looks like the US bank Baylor card would be the best for a person who wants a no fee balance transfer, and also have 0% APR for promo purchases. Is this correct? I did not see anything else mentioned, but wanted to make sure.

Additionaly, it looks like this has a rewards program, which is a bonus. Anyone get this card yet? I wish it didn't have to say Baylor on it!

I saw this on the link for the US Bank card.

The introductory rate does not apply to purchases or cash advances and is valid for the fi rst 12 billing cycles

For the Select Rewards, it says only for cash advances...
"The introductory rate does not apply to cash advances and is valid for six billing cycles..."

Additionally, up top it has:
"0.00%† introductory APR on purchases for the first 12 billing cycles.
0.00%† introductory APR on balance transfers for the first 12 billing cycles.
Credit limits up to $25,000.00.
No annual fee.
Travel accident insurance. $500,000 of coverage when you purchase tickets for travel on common carriers with your Visa Card.
Auto rental insurance when you charge your entire car rental on your Select Rewards Visa® Platinum Card
100% Fraud Protection2. "
Among other features.

So I am thinking this is a 0% (12 months)BT APR, $0 Fee BT, 0% (12 months) intro APR on purchases...all while with rental car insurance plus reward points. Am I reading this correctly? If so, that seems HOT! Although I have no idea why I would want to have a card with Baylor on it, and it seems weird that anyone would be able to get this deal.

Thoughts?

The card terms in the OP and Quick Summary were updated on 8/22/07

Joetoken said: BT question, how is interest accrued on the balance transfer fee? IE, if I have $100 bt fee, do I pay the card interest rate on that amount or is that wraped up with transfer and paid at BT rate?

the BT fee is charged as a one time finance charge and added to your balance transfer total. If your BT rate is 0%, so will the BT fee

Question:
Sorry, not sure if this has been answered previously, but can you pay off a credit card balance with another card from the same company, more specifically Citibank (they appear to have the best deals with no transfer fees). I tried unsuccessfully to do this with Discover.

And if not, would paying off the Citi card and then opening another Citi card with a BT promo and having them send you a check (if they still do this - like with an Apporama) for the amount paid off essentially work as a transfer from one Citibank card to another?

Venturion said: I applied for and was approved for this National City Business VISA. At first, I transferred my full $10K credit limit at the 0% for 6-months with no fee. I called back asking for a CLI the next day and was offered another $10K at 0% for 12-months. The CSR was not able to retroactively apply it to the BT I had completed the night before. The other bonus is that both BT revert to 5.99% for life after the intro periods end. Good luck!

Does this card report to personal CRAs ?

Citi At&T has 3% BT fee with no cap

second. also driver's edge has 3% bt fee with a $75 cap. that sucks. it seems that '0 apr 0 btf for 12 months' cards will soon be dinosaurs.
could op get it updated? thanks.

cure said: Citi At&T has 3% BT fee with no cap

bobn4burton said: lhendricks92 said: lhendricks92 said: Here's a US Bank phone application offer.

0%, 12 months, no BT fees (if requested with application). Offer expires September 30th.

I called US Bank about this offer yesterday. CSR told me the offer is still "in their system" and valid. He said they usually stick around for a month after the expiration date. YMMV.

How did you get the CSR to find this particular offer? I looked at the pdf you linked and coudn't find a specific code or anything to link it with that offer???

Mention the phone number extension from the offer.

wca53 said: lhendricks92 said: Here's a US Bank phone application offer.

0%, 12 months, no BT fees (if requested with application). Offer expires September 30th.

I just call , the rep on the phone say they will pull all 3 CB, So I decide to pass that.

I applied for a similar mailed, targeted US Bank offer and, with a 720 TU WAMU Fako, only got a $7k limit. There is also a $40 annual fee that is waived if a purchase is made within 12 months of account opening. Since the purchase rate is high, I will have to remember to make the purchase during the last month of the 0% BT period.

The list in the OP was updated on 11/7/07.

11/21/07 update:
I have updated the list of credit cards sorted by the profit/savings due to a BT from a card with high APR (18%) to a low APR.

leonard016 said: second. also driver's edge has 3% bt fee with a $75 cap. that sucks. it seems that '0 apr 0 btf for 12 months' cards will soon be dinosaurs.
could op get it updated? thanks.

cure said: Citi At&T has 3% BT fee with no cap

Is there any cards that has 0% BT with no bt fee? I would like to apply couple of cards. Thanks