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

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LustfortheMoment said:Thanks. I live for AORs........

Why do you even pay attention to this forum? Seriously, what do you get out of it? No matter how many disparaging comments you make against AORs (and granted, many of your arguments are valid), you will not be able to stop the AOR tsunami that dominates FW.


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It might be nice to add any promo's through CardOffers for each card. I know they sometimes offer $20 or $40 for signing up for certain cards. Just a thought. Thanks for getting this started though. Cheers!


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Great list. Thanks Markber.

I added two more to the quick summary: the PNC personal card that Oranje mentioned, and this one:

Wachovia Visa Card (issued by FIA) - 0% BT for 6 months, no-fee if you use their convenience checks, otherwise 2%, max $50; apply by phone (800-WACHOVIA or 922-4684) or in-branch only.


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nice it wold be nice to add signup bonus/promotion in a new column .


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manuvns said:nice it wold be nice to add signup bonus/promotion in a new column .

...and links to the online applications where possible?

There's a couple more good ones not on here that I'll put on later when I'm home.

Great post!


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Excellent post! Hopefully business credit cards will be included.

I'll start with one.

Advanta Rewards
0% on BT for 15 months, 7.99% thereafter
3% BT fee ($5 min & $50 max)
5% CashBack


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tazmania99 said:Excellent post! Hopefully business credit cards will be included.

I'll start with one.

Advanta Rewards
0% on BT for 15 months, 7.99% thereafter
3% BT fee ($5 min & $50 max)
5% CashBack


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Very nice! Can anyone tell me which card is likely to approve the highest credit limit? I want to move 10K to a one year 0% card...

edit: I should say which issuer/type is likely to offer the most credit - chase/AMEX/citibank? all things being equal on my application...in your FW experiences...

Message edited by: alchemize on 2007-03-06 13:25:04 CST
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alchemize said:Very nice! Can anyone tell me which card is likely to approve the highest credit limit? I want to move 10K to a one year 0% card...

I think the 19th card down would suit you very well.

On topic, a helpful addition to this would be a column with "offer code" since some applications require offer codes to apply.


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Thanks for the list, and especially the nice delimiters for easy importing to Excel for my own manipulation.


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Excellent. It would be great if all you AOR-ers out there update the list as you do your AORs, I will too in a few months.


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Adding a few good cards that don't get a lot of attention (I think?):

0% | 6 | $0 | 0% | National City Bank | National City Visa National City App

0% | 15 | $0 | 3% | FNBO | FNBO Platinum Edition Visa ($75-max, fyi) FNBO App

0% | 9 | $0 | 0% | State Farm Bank | Good Neighbor Visa State Farm App

We should probably add the max BT fee and add *'s and such for things like "if submitted with application" to clean it up.

Message edited by: destroebl on 2007-03-06 20:02:03 CST
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On the Discover promotions at cardoffers.com, they are listed like this:
3%, $5 minimum, $50 maximum (does not apply to introductory offer)

You have them listed with Fee for BT = 0%. Do the terms really mean the BT Fee doesn't apply, or does that mean that the $50 maximum does not apply to the introductory offer? Big difference .


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Thanks.

Message edited by: delzy on 2007-03-06 19:10:09 CST
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YeOleImposter said:Would be nice if it had a column for max BT fee, $999 being unlimited?

I did that. Instead of $999, I use N/A ("Not applicable").


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thanks OP!


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Nicely done. Thanks.


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tazmania99 said:Excellent post! Hopefully business credit cards will be included.



I have added lists of business and student credit cards


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Woohooo~ Thanks a lot. This is now more to be a complete list.

Now I have a question. As stated the Discover Business card has 0% on BT for 12 months. Yet, from my understanding on Discover website and cardoffers.com, the BT rate is 5.99% until 03/2008. I doubt the 0% introductory rate only applies on purchase. Can anyone verify this?

TIA.

0% | 12 | $0 | 3% | $50 | Discover | Discover® Business Card


markber said:tazmania99 said:Excellent post! Hopefully business credit cards will be included.



I have added lists of business and student credit cards


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cclyde said:Thanks for the list, and especially the nice delimiters for easy importing to Excel for my own manipulation.

If you need to sort the card lists in a different way, you may save time just by using icreditbonus.com lists. It offers more sorting options. I just thought that the default sorting (see OP) produced useful enough lists and there was no need to post their other variations.

Message edited by: markber on 2007-03-10 14:44:24 CST
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