BatmanLikesTheSox said:Here's a question I can't find the answer to.
Any tips? I've looked around on different sites and read through the thread but can't figure this timing thing out. First, why not apply right away? Worst case, you end up with a credit balance on the card with which you plan to make the big purchases and lose a few weeks of the 0%. Second, consider a 0% purchases card? AMEX, WAMU, and a few other issuers have cards with 0% APR on purchases for 12 months.

BatmanLikesTheSox said:I've already made several of the purchases in the last couple of days, so 0% purchases won't work out in this case, although in the future that would be something to think about, so thanks for the tip!

Regarding the application for the transfer 0% card, I have no problem losing a couple weeks of the 0% interest, but when it refers to "balances you transfer in response to this offer", does it mean that to get the $0 transfer fee, I have to disclose what I want to transfer:
1. When I'm applying
2. When I'm approved, or
3. Just within a certain time limit?

I guess that's what I'm really getting at. I'd rather apply later if I have to list what (or from where) I want to transfer when I'm applying. I'm not sure if anyone has specific experience with that.

I would say you generally have 30 days or so from activation to take advantage of this kind of BT offer. At least I think that's right. Someone else on this board may think differently.

I bet calling Citibank and asking them directly would give you the right answer.

BatmanLikesTheSox said:I think I'll give it a shot and report back to everyone here how it went, though in the meantime if anyone has any specific experience in this situation, please keep chiming in.

I spoke to 5 different representatives at Citibank this morning and after that bounce-around, the last person believed (although they could not give me any definitive information regarding online offers) that all of my balance transfers during the first 12 month promotional period would have no transfer fee. That seems hard to believe, but at least I can argue that if I get charged.

It's really crazy how companies like this can have entire application centers and customer service departments with zero information about their online offers on their websites. Someone somewhere had to have written that sentence in the promotion, so you would think that someone somewhere would be able to give more detail about it.

Go here: Citi Terms and Conditions

Print it out.

Note these two lines;

1) Balance transfer APR: As long as balance transfers are completed within 12 months from date of account opening, 0.00% for 12 months from date of first balance transfer. After that same as for purchases.

2) Balance transfer fee: 3% of each balance transfer; $5 minimum. There is no fee with the 0.00% APR balance transfer offer described above.

It's very clear in the terms and conditions. If they don't honor it, fax a copy to them. This is not breaking any new ground. Apply for the card now & BT when you are ready.

how does a low or zero APR for puchases CC work?

buy your stuff, statement comes, pay the CC's 'minimum' aka $25, then you can carry (and add) to your balance, interest free, until the end of the promotion?

thx sweetcash

Sackajacka said:BatmanLikesTheSox said:I think I'll give it a shot and report back to everyone here how it went, though in the meantime if anyone has any specific experience in this situation, please keep chiming in.

I spoke to 5 different representatives at Citibank this morning and after that bounce-around, the last person believed (although they could not give me any definitive information regarding online offers) that all of my balance transfers during the first 12 month promotional period would have no transfer fee. That seems hard to believe, but at least I can argue that if I get charged.

It's really crazy how companies like this can have entire application centers and customer service departments with zero information about their online offers on their websites. Someone somewhere had to have written that sentence in the promotion, so you would think that someone somewhere would be able to give more detail about it.

Go here: Citi Terms and Conditions

Print it out.

Note these two lines;

1) Balance transfer APR: As long as balance transfers are completed within 12 months from date of account opening, 0.00% for 12 months from date of first balance transfer. After that same as for purchases.

2) Balance transfer fee: 3% of each balance transfer; $5 minimum. There is no fee with the 0.00% APR balance transfer offer described above.

It's very clear in the terms and conditions. If they don't honor it, fax a copy to them. This is not breaking any new ground. Apply for the card now & BT when you are ready.

Funny this topic is up - I was just going to post this situation.

I have a Citi Professional account and I just did a BT responding to an online 0.00% no fee offer which is also for 12 months from date of first BT. I then received an e-mail stating the rate was good until April 2008. I called and spoke to a service representative who told me that when I took out the card in April 2007 I did a BT then, which I repaid in about six months. Citibank counts this as the first transfer in the 0.00% no fee offer and any subsequent BTs are limited to 12 months from the first one.

Yes this is technically what the offer said - but I was surprised to learn my new BT was only going to be good for 4 months. I e-mailed them and received a stock response. When I asked for a specific response they said it was put into research and could take up to 30 days to respond.

I was looking at markber's list on Page 3 where the potential profit for each card is listed.

How did he come up with $1748 for potential profit from the first card. $10,000 invested at 5% or so is $500?

What am I missing?

Edit: i found it. He was talking about transferring an 18% APR card.

Anyone ever heard of PartnersFirst (a divison of Torrey Pines Bank)?
I just got a targeted 0% 6month offer with a capped fee (but capped at $300)
It would only make sense if they give out large CLs, so I'm wondering if anyone out there in FWF land has any experience with them.

Thanks

Updated on 5/28/08

Note: while the list below is made for a specific case (5% savings account), I hope the card order on the list will not change much if the APY on your savings account is different.

List details:
I wrote a script that calculates theoretically possible profit from investing a credit card balance ($10K) to a high-interest (5%) savings account. The calculations are done separately for 6 and 12 month investment periods and for promo terms for balance transfers and purchases. The script does not take in account the likelihood of moving balance from a card to a bank account. See this thread for ideas and some starting info. Also, the script makes an assumption about 2% minimum monthly payment for all credit cards. The scripts that do calculations and build a database with card terms may still have some bugs... so if something does not look right, please let me know. You can find this list linkified in this thread.

List for balance transfer promo rates

Sorted by 12-month profit

Regular credit cards

12-month BT profit | Promo BT APR | Promo period for BT | Annual fee | BT fee | Max. BT fee | Bank name | Card name
$384.4 | 0% | 12 | $0 | 3% | $75 | FIA Card Services, N.A. | World Series of Poker® Visa® Card with WorldPoints® Rewards
$384.4 | 0% | 12 | $0 | 3% | $75 | Chase | Chase Platinum MasterCard®
$384.4 | 0% | 12 | $0 | 3% | $75 | Chase | Chase Platinum Visa® Card
$384.4 | 0% | 12 | $0 | 3% | See card site*** | Citibank | Citi® Upromise® Card
$384.4 | 0% | 12 | $0 | 3% | $75 | Discover | Discover® More(SM) Card - Clear
$384.4 | 0% | 12 | $0 | 3% | $75 | Discover | Discover® Open Road(SM) Card
$360.4 | 0% | 12 | $0 | 3% | $99 | Chase | Chase Flexible Rewards Platinum Visa® Card
$360.4 | 0% | 12 | $0 | 3% | $99 | Chase | BP Visa® Rewards Card
$360.4 | 0% | 12 | $0 | 3% | $99 | Chase | Chase TravelPlus® Visa® Card
$279.0 | 1.99% | 40 | $0 | 0% | $0 | American Express | TrueEarnings® Card from Costco and American Express
12-month BT profit | Promo BT APR | Promo period for BT | Annual fee | BT fee | Max. BT fee | Bank name | Card name
$278.7 | 0% | 6 | $0 | 0% | $0 | IberiaBank | IberiaBank Visa® Classic Card
$193.0 | 0% | 6 | $0 | 0% | $0 | IberiaBank | IberiaBank Visa® Gold Cash Back Rewards Card
$193.0 | 0% | 6 | $0 | 0% | $0 | IberiaBank | IberiaBank Visa® Platinum Rewards Card
$159.4 | 0% | 12 | $0 | 3% | N/A | Bank of America | Bank of America® Platinum Plus® Visa® Card
$159.4 | 0% | up-to 12 | $0 | 3% | N/A | Citibank | Citi® Diamond Preferred® Card
$159.4 | 0% | up-to 12 | $0 | 3% | N/A | Citibank | Citi® Platinum Select® Card
$159.4 | 0% | up-to 12 | $0 | 3% | N/A | Citibank | AT&T Universal Savings Platinum Card
$159.4 | 0% | 12 | $0 | 3% | N/A | FIA Card Services, N.A. | Fidelity Investments® 529 College Rewards® American Express®
$159.4 | 0% | 12 | $0 | 3% | N/A | Bank of America | Bank of America Visa Signature® WorldPoints® Rewards
$159.4 | 0% | 12 | $0 | 3% | N/A | Bank of America | Bass Pro Shops® Outdoor Rewards Platinum Plus® Visa® Card
$159.4 | 0% | 12 | $0 | 3% | N/A | Bank of America | BoatU.S.™ WorldPoints® Platinum Plus® Visa® Card
12-month BT profit | Promo BT APR | Promo period for BT | Annual fee | BT fee | Max. BT fee | Bank name | Card name
$159.4 | 0% | 12 | $0 | 3% | N/A | Bank of America | Elite Rewards® World MasterCard® Credit Card
$159.4 | 0% | 12 | $0 | 3% | N/A | Bank of America | Rainbow Platinum Plus® Visa® Card
$159.4 | 0% | 12 | $0 | 3% | N/A | Bank of America | Bank of America World MasterCard® with WorldPoints™
$159.4 | 0% | 12 | $0 | 3% | N/A | Bank of America | Bank of America WorldPoints® Platinum Plus® Visa® Card
$159.4 | 0% | 12 | $0 | 3% | N/A | Bank of America | Bank of America WorldPoints® Platinum Plus™ MasterCard® Credit Card
$159.4 | 0% | 12 | $0 | 3% | N/A | Bank of America | Bank of America® Accelerated Rewards™ American Express® Card
$159.4 | 0% | 12 | $0 | 3% | N/A | Bank of America | Bank of America® Cash Rewards Platinum Plus® MasterCard® Credit Card
$159.4 | 0% | 12 | $0 | 3% | N/A | Bank of America | Brighter Planet™ Visa® Credit Card
$159.4 | 0% | 12 | $0 | 3% | N/A | Bank of America | Ducks Unlimited WorldPoints® Platinum Plus® Visa® Card
$159.4 | 0% | 12 | $0 | 3% | N/A | Bank of America | Home Advantage™ MasterCard® from Bank of America
12-month BT profit | Promo BT APR | Promo period for BT | Annual fee | BT fee | Max. BT fee | Bank name | Card name
$159.4 | 0% | 12 | $0 | 3% | N/A | Bank of America | Major League Baseball® Extra Bases™ Credit Card
$159.4 | 0% | 12 | $0 | 3% | N/A | Bank of America | NASCAR RacePoints(SM) Platinum Plus® Visa® Credit Card
$159.4 | 0% | 12 | $0 | 3% | N/A | Bank of America | NFL Extra Points™ Platinum Plus® Visa® Card
$159.4 | 0% | 12 | $0 | 3% | N/A | Bank of America | The Nature Conservancy Platinum Plus® Visa® Credit Card
$159.4 | 0% | 12 | $0 | 3% | N/A | Bank of America | Total Rewards® Platinum Plus® Credit Card
$159.4 | 0% | 12 | $0 | 3% | N/A | Bank of America | Wyndham Rewards MasterCard(SM)
$159.4 | 0% | up-to 12 | $0 | 3% | N/A | Citibank |
$159.4 | 0% | up-to 12 | $0 | 3% | N/A | Citibank | Citi CashReturns(SM) MasterCard®
$159.4 | 0% | 12 | $0 | 3% | N/A | Citibank | Citi® Home Rebate Platinum Select® MasterCard®
$159.4 | 0% | up-to 12 | $0 | 3% | N/A | Citibank | Citi® Diamond Preferred® Rewards Card
12-month BT profit | Promo BT APR | Promo period for BT | Annual fee | BT fee | Max. BT fee | Bank name | Card name
$159.4 | 0% | 12 | $0 | 3% | N/A | Chase | Chase Free Cash Rewards(SM) Visa® Card
$159.4 | 0% | up-to 12 | $0 | 3% | N/A | Citibank | Citi® Dividend Platinum Select® Card
$159.4 | 0% | up-to 12 | $0 | 3% | N/A | Citibank | Citi PremierPass®
$159.4 | 0% | 12 | $0 | 3% | N/A | FIA Card Services, N.A. | Fidelity Investments Rewards Visa Signature® Card with WorldPoints®
$146.7 | 0% | 6 | $35 | 0% | $0 | Pulaski Bank | Pulaski Bank Visa® Card
$116.6 | 0% | 6 | $0 | 0% | $0 | Pulaski Bank | Pulaski Bank Gold Visa® Card
$106.1 | 0% | 6 | $0 | 0% | $0 | Bank of America | PetRewards® Platinum Plus® Visa® Credit Card
$62.5 | 0% | 6 | $0 | 0% | $0 | American Express | IN:CHICAGO® Card from American Express
$62.5 | 0% | 6 | $0 | 0% | $0 | American Express | IN:LA(SM) Card from American Express
$62.5 | 0% | 6 | $0 | 0% | $0 | American Express | IN:NYC® Card from American Express
12-month BT profit | Promo BT APR | Promo period for BT | Annual fee | BT fee | Max. BT fee | Bank name | Card name
$62.5 | 0% | 6 | $0 | 0% | $0 | Washington Mutual | ESPN Total Access Visa® Card
$27.8 | 3.9% | 12 | $0 | 3% | $75 | Discover | Discover® Motiva(SM) Card

Business credit card

12-month BT profit | Promo BT APR | Promo period for BT | Annual fee | BT fee | Max. BT fee | Bank name | Card name
$409.4 | 0% | 12 | $0 | 3% | $50 | Citibank | CitiBusiness® Card
$384.4 | 0% | 12 | $0 | 3% | $75 | Discover | Discover® Business Card
$384.4 | 0% | 12 | $0 | 3% | $75 | Discover | Discover® Business Miles Card
$369.4 | 0% | 15 | $0 | 3% | $90 | Advanta | Advanta Platinum BusinessCard with Rewards
$369.4 | 0% | 15 | $0 | 3% | $90 | Advanta | Advanta Platinum with Rewards Customized BusinessCard
$369.4 | 0% | 12 | $0 | 3% | $90 | Advanta | Advanta Platinum BusinessCard
$360.4 | 0% | 12 | $0 | 3% | $99 | Chase | Chase Platinum Business Card
$360.4 | 0% | 12 | $0 | 3% | $99 | Chase | Chase Business Cash Rewards Card
$360.4 | 0% | 12 | $0 | 3% | $99 | Chase | Chase Business Rebate Visa® Card
$279.0 | 1.99% | 90 | $0 | 0% | $0 | American Express | TrueEarnings® Business Card from Costco and American Express
12-month BT profit | Promo BT APR | Promo period for BT | Annual fee | BT fee | Max. BT fee | Bank name | Card name
$187.1 | 2.99% | Until paid | $0 | 0% | $0 | Advanta | Advanta Life of Balance Platinum Card

Student credit cards

No cards with profit

Sorted by 6-month profit

Regular credit cards

6-month BT profit | Promo BT APR | Promo period for BT | Annual fee | BT fee | Max. BT fee | Bank name | Card name
$240.4 | 0% | 6 | $0 | 0% | $0 | IberiaBank | IberiaBank Visa® Classic Card
$240.4 | 0% | 6 | $0 | 0% | $0 | IberiaBank | IberiaBank Visa® Gold Cash Back Rewards Card
$240.4 | 0% | 6 | $0 | 0% | $0 | IberiaBank | IberiaBank Visa® Platinum Rewards Card
$240.4 | 0% | 6 | $0 | 0% | $0 | Pulaski Bank | Pulaski Bank Gold Visa® Card
$240.4 | 0% | 6 | $0 | 0% | $0 | Bank of America | PetRewards® Platinum Plus® Visa® Credit Card
$240.4 | 0% | 6 | $0 | 0% | $0 | American Express | IN:CHICAGO® Card from American Express
$240.4 | 0% | 6 | $0 | 0% | $0 | American Express | IN:LA(SM) Card from American Express
$240.4 | 0% | 6 | $0 | 0% | $0 | American Express | IN:NYC® Card from American Express
$240.4 | 0% | 6 | $0 | 0% | $0 | Washington Mutual | ESPN Total Access Visa® Card
$240.4 | 0% | 6 | $0 | 0% | $0 | Bank of America | Anne Geddes Platinum Visa® Card
6-month BT profit | Promo BT APR | Promo period for BT | Annual fee | BT fee | Max. BT fee | Bank name | Card name
$230.9 | 0%* | 6 | $19 | 0% | $0 | Bank of America | MilesEdge® Visa® Signature Card
$222.9 | 0% | 6 | $35 | 0% | $0 | Pulaski Bank | Pulaski Bank Visa® Card
$165.4 | 0% | 12 | $0 | 3% | $75 | FIA Card Services, N.A. | World Series of Poker® Visa® Card with WorldPoints® Rewards
$165.4 | 0% | 12 | $0 | 3% | $75 | Chase | Chase Platinum MasterCard®
$165.4 | 0% | 12 | $0 | 3% | $75 | Chase | Chase Platinum Visa® Card
$165.4 | 0% | 12 | $0 | 3% | See card site*** | Citibank | Citi® Upromise® Card
$165.4 | 0% | 12 | $0 | 3% | $75 | Discover | Discover® More(SM) Card - Clear
$165.4 | 0% | 12 | $0 | 3% | $75 | Discover | Discover® Open Road(SM) Card
$165.4 | 0% | 6 | $0 | 3% | $75 | Chase | Chase PerfectCard™ MasterCard®
$165.4 | 0% | 6 | $0 | 3% | $75 | Discover | Miles by Discover® Card
6-month BT profit | Promo BT APR | Promo period for BT | Annual fee | BT fee | Max. BT fee | Bank name | Card name
$149.6 | 1.9% | 6 | $0 | 0% | $0 | Bank of America | Make-A-Wish® Platinum Visa® Card
$145.3 | 1.99% | 40 | $0 | 0% | $0 | American Express | TrueEarnings® Card from Costco and American Express
$145.3 | 1.99% | 6 | $0 | 0% | $0 | Bank of America | Choice Privileges® Visa® Card
$141.4 | 0% | 12 | $0 | 3% | $99 | Chase | Chase Flexible Rewards Platinum Visa® Card
$141.4 | 0% | 12 | $0 | 3% | $99 | Chase | BP Visa® Rewards Card
$141.4 | 0% | 12 | $0 | 3% | $99 | Chase | Chase TravelPlus® Visa® Card
$127.1 | 1.9% | 6 | $45 | 0% | $0 | Bank of America | Mexicana® Airlines Visa® Platinum Plus® Card
$109.6 | 1.9% | 6 | $80 | 0% | $0 | Bank of America | Asiana Visa® Platinum Plus® Card
$101.6 | 2.9% | 6 | $0 | 0% | $0 | American Express | Hilton HHonors® Platinum Card from American Express®
$29.0 | 3.99% | 6 | $40 | 0% | $0 | American Express | JetBlue Card from American Express®
6-month BT profit | Promo BT APR | Promo period for BT | Annual fee | BT fee | Max. BT fee | Bank name | Card name
$22.2 | 2.99% | 6 | $0 | 3% | $75 | Citibank | Citi® Hilton HHonors® Visa® Signature Card

Business credit cards

6-month BT profit | Promo BT APR | Promo period for BT | Annual fee | BT fee | Max. BT fee | Bank name | Card name
$190.4 | 0% | 12 | $0 | 3% | $50 | Citibank | CitiBusiness® Card
$165.4 | 0% | 12 | $0 | 3% | $75 | Discover | Discover® Business Card
$165.4 | 0% | 12 | $0 | 3% | $75 | Discover | Discover® Business Miles Card
$150.4 | 0% | 15 | $0 | 3% | $90 | Advanta | Advanta Platinum BusinessCard with Rewards
$150.4 | 0% | 15 | $0 | 3% | $90 | Advanta | Advanta Platinum with Rewards Customized BusinessCard
$150.4 | 0% | 12 | $0 | 3% | $90 | Advanta | Advanta Platinum BusinessCard
$145.3 | 1.99% | 90 | $0 | 0% | $0 | American Express | TrueEarnings® Business Card from Costco and American Express
$141.4 | 0% | 12 | $0 | 3% | $99 | Chase | Chase Platinum Business Card
$141.4 | 0% | 12 | $0 | 3% | $99 | Chase | Chase Business Cash Rewards Card
$141.4 | 0% | 12 | $0 | 3% | $99 | Chase | Chase Business Rebate Visa® Card
6-month BT profit | Promo BT APR | Promo period for BT | Annual fee | BT fee | Max. BT fee | Bank name | Card name
$101.6 | 2.9% | 6 | $45** | 0% | $0 | American Express | Starwood Preferred Guest® Business Credit Card from American Express®
$97.2 | 2.99% | Until paid | $0 | 0% | $0 | Advanta | Advanta Life of Balance Platinum Card
$29.0 | 3.99% | 6 | $40 | 0% | $0 | American Express | JetBlue Business Credit Card from American Express®

Student credit cards

66-month BT profit | Promo BT APR | Promo period for BT | Annual fee | BT fee | Max. BT fee | Bank name | Card name
$240.4 | 0% | 6 | $0 | 0% | $0 | Citibank | Citi® Platinum Select® Card for College Students
$240.4 | 0% | 6 | $0 | 0% | $0 | Citibank | Citi® Dividend Platinum Select® Card for College Students
$240.4 | 0% | 6 | $0 | 0% | $0 | Citibank | Citi® mtvU™ Platinum Select® Visa® Card for College Students
$240.4 | 0% | 6 | $0 | 0% | $0 | Citibank | Citi® Bronze® / AAdvantage® Card for College Students
$240.4 | 0% | 6 | $0 | 0% | $0 | Citibank | Citi® Driver's Edge® Card for College Students

List for purchase promo rates

Sorted by 12-month profit

Regular credit cards

12-month BT profit | Promo BT APR | Promo period for BT | Annual fee | BT fee | Max. BT fee | Bank name | Card name
$459.4 | 0% | up-to 12 | $0 | 3% | N/A | Citibank | Citi® Diamond Preferred® Card
$459.4 | 0% | up-to 12 | $0 | 3% | N/A | Citibank | Citi® Platinum Select® Card
$459.4 | 0% | up-to 15 | $0 | 3% | $99 | American Express | Blue from American Express®
$459.4 | 0% | 12 | $0 | 3% | $75 | Chase | Chase Platinum MasterCard®
$459.4 | 0% | 12 | $0 | 3% | $75 | Chase | Chase Platinum Visa® Card
$459.4 | 0% | 12 | $0 | 3% | $99 | Chase | Chase Flexible Rewards Platinum Visa® Card
$459.4 | 0% | 12 | $0 | 3% | N/A | Chase | Chase Free Cash Rewards(SM) Visa® Card
$459.4 | 0% | 12 | $0 | 0% | $0 | American Express | Clear from American Express
$459.4 | 0% | 12 | $0 | 3% | $99 | Chase | Chase TravelPlus® Visa® Card
$106.1 | 0% | 6 | $0 | 0% | $0 | Bank of America | PetRewards® Platinum Plus® Visa® Credit Card
12-month BT profit | Promo BT APR | Promo period for BT | Annual fee | BT fee | Max. BT fee | Bank name | Card name
$62.5 | 0% | 6 | $0 | 0% | $0 | American Express | IN:CHICAGO® Card from American Express
$62.5 | 0% | 6 | $0 | 0% | $0 | American Express | IN:LA(SM) Card from American Express
$62.5 | 0% | 6 | $0 | 0% | $0 | American Express | IN:NYC® Card from American Express
$62.5 | 0% | 6 | $0 | 0% | $0 | Washington Mutual | ESPN Total Access Visa® Card
$18.6 | 0% | 6 | $0 | 3% | $99 | American Express | Blue Cash® from American Express®
$18.6 | 0% | 6 | $0 | 3% | $99 | American Express | Blue Sky from American Express

Business credit cards

12-month BT profit | Promo BT APR | Promo period for BT | Annual fee | BT fee | Max. BT fee | Bank name | Card name
$459.4 | 0% | 12 | $0 | 0% | $0 | American Express | American Express SimplyCash® Business Card
$459.4 | 0% | 12 | $0 | 3% | $50 | Citibank | CitiBusiness® Card
$459.4 | 0% | up-to 15 | $0 | 0% | $0 | American Express | Blue for Business® from American Express
$459.4 | 0% | 12 | $0 | 0% | $0 | American Express | The Platinum Business Credit Card
$459.4 | 0% | 12 | $0 | 3% | $99 | Chase | Chase Platinum Business Card
$459.4 | 0% | until June 2009 | $0 | No promo | No promo | Capital One | Capital One® Business Platinum
$459.4 | 0% | until June 2009 | $0 | No promo | No promo | Capital One | Capital One® Business Platinum with No Hassle Miles(SM)
$459.4 | 0% | 12 | $0 | 0% | $0 | American Express | American Express® Platinum Business FreedomPass(SM) Card
$459.4 | 0% | 12 | $0 | No promo | No promo | Citibank | Citi® Professional(SM) Cash Card
$459.4 | 0% | 12 | $0 | No promo | No promo | Citibank | CitiBusiness® Card with ThankYou(SM) Network
12-month BT profit | Promo BT APR | Promo period for BT | Annual fee | BT fee | Max. BT fee | Bank name | Card name
$459.4 | 0% | 12 | $0 | 3% | $99 | Chase | Chase Business Cash Rewards Card
$459.4 | 0% | 12 | $0 | 3% | $99 | Chase | Chase Business Rebate Visa® Card
$459.4 | 0% | 12 | $0 | No promo | No promo | Citibank | Citi® Professional(SM) Card with ThankYou(SM) Network
$459.4 | 0% | 12 | $0 | 3% | $90 | Advanta | Advanta Platinum BusinessCard
$459.4 | 0% | 12 | $0 | 3% | $75 | Discover | Discover® Business Card
$459.4 | 0% | until June 2009 | $0 | No promo | No promo | Capital One | Capital One® Business Platinum with No Hassle Cash(SM)
$459.4 | 0% | until June 2009 | $0 | No promo | No promo | Capital One | Capital One® Business Platinum with Preferred No Hassle Miles(SM)
$73.4 | 0% | 6 | $0 | 0% | $0 | American Express | Blue Cash® for Business Credit Card

Student credit cards
No cards with profit

Sorted by 6-month profit

Regular credit cards

6-month BT profit | Promo BT APR | Promo period for BT | Annual fee | BT fee | Max. BT fee | Bank name | Card name
$240.4 | 0% | up-to 12 | $0 | 3% | N/A | Citibank | Citi® Diamond Preferred® Card
$240.4 | 0% | up-to 12 | $0 | 3% | N/A | Citibank | Citi® Platinum Select® Card
$240.4 | 0% | up-to 15 | $0 | 3% | $99 | American Express | Blue from American Express®
$240.4 | 0% | 12 | $0 | 3% | $75 | Chase | Chase Platinum MasterCard®
$240.4 | 0% | 12 | $0 | 3% | $75 | Chase | Chase Platinum Visa® Card
$240.4 | 0% | 12 | $0 | 3% | $99 | Chase | Chase Flexible Rewards Platinum Visa® Card
$240.4 | 0% | 12 | $0 | 3% | N/A | Chase | Chase Free Cash Rewards(SM) Visa® Card
$240.4 | 0% | 12 | $0 | 0% | $0 | American Express | Clear from American Express
$240.4 | 0% | 12 | $0 | 3% | $99 | Chase | Chase TravelPlus® Visa® Card
$240.4 | 0% | 6 | $0 | 0% | $0 | Bank of America | PetRewards® Platinum Plus® Visa® Credit Card
6-month BT profit | Promo BT APR | Promo period for BT | Annual fee | BT fee | Max. BT fee | Bank name | Card name
$240.4 | 0% | 6 | $0 | 0% | $0 | American Express | IN:CHICAGO® Card from American Express
$240.4 | 0% | 6 | $0 | 0% | $0 | American Express | IN:LA(SM) Card from American Express
$240.4 | 0% | 6 | $0 | 0% | $0 | American Express | IN:NYC® Card from American Express
$240.4 | 0% | 6 | $0 | 0% | $0 | Washington Mutual | ESPN Total Access Visa® Card
$240.4 | 0% | 6 | $0 | 3% | $99 | American Express | Blue Cash® from American Express®
$240.4 | 0% | 6 | $0 | 3% | $99 | American Express | Blue Sky from American Express
$240.4 | 0% | 6 | $0 | 3% | $75 | Chase | Chase PerfectCard™ MasterCard®
$240.4 | 0% | 6 | $0 | 3% | $75 | Discover | Discover® More(SM) Card - Clear
$240.4 | 0% | 6 | $0 | 3% | $75 | Discover | Discover® Open Road(SM) Card
$240.4 | 0% | 6 | $0 | 3% | $75 | Discover | Miles by Discover® Card
6-month BT profit | Promo BT APR | Promo period for BT | Annual fee | BT fee | Max. BT fee | Bank name | Card name
$240.4 | 0% | 6 | $0 | No promo | No promo | Citibank | Citi® Platinum Select® MasterCard
$240.4 | 0% | 6 | $0 | 0% | $0 | Bank of America | Anne Geddes Platinum Visa® Card
$230.9 | 0% | 6 | $19 | 0% | $0 | Bank of America | MilesEdge® Visa® Signature Card
$230.9 | 0% | 6 | $19 | 3% | N/A | Bank of America | Money Return® Visa® Platinum Plus®
$149.6 | 1.90% | 6 | $0 | 0% | $0 | Bank of America | Make-A-Wish® Platinum Visa® Card
$145.3 | 1.99% | 6 | $0 | No promo | No promo | HSBC | Union Plus MasterCard®
$145.3 | 1.99% | 6 | $0 | 0% | $0 | Bank of America | Choice Privileges® Visa® Card
$133.7 | 0% | until October 2008 | $19 | No promo | No promo | Capital One | Capital One® Classic Platinum
$133.7 | 0% | until October 2008 | $19 | No promo | No promo | Capital One | Capital One® Classic Platinum - Visa®
$127.1 | 1.90% | 6 | $45 | 0% | $0 | Bank of America | Mexicana® Airlines Visa® Platinum Plus® Card
6-month BT profit | Promo BT APR | Promo period for BT | Annual fee | BT fee | Max. BT fee | Bank name | Card name
$120.3 | 1.99% | 6 | $50 | 3% | N/A | Bank of America | Hawaiian Airlines® Visa® Platinum Credit Card
$113.6 | 0% | until October 2008 | $29 | No promo | No promo | Capital One | Capital One® No Hassle Cash(SM) Rewards
$113.6 | 0% | until October 2008 | $29 | No promo | No promo | Capital One | Capital One® No Hassle Points(SM) Rewards
$109.6 | 1.90% | 6 | $80 | 0% | $0 | Bank of America | Asiana Visa® Platinum Plus® Card
$106.3 | 0% | until October 2008 | $0 | No promo | No promo | Capital One | Capital One® Standard Platinum
$101.6 | 2.90% | 6 | $0 | 0% | $0 | American Express | Hilton HHonors® Platinum Card from American Express®
$101.6 | 2.90% | 6 | $45** | 0% | $0 | American Express | Starwood Preferred Guest® Credit Card from American Express®
$97.2 | 2.99% | 6 | $0 | 3% | $75 | Citibank | Citi® Hilton HHonors® Visa® Signature Card
$53.3 | 3.9% | 6 | $0 | 3% | $75 | Discover | Discover® Motiva(SM) Card

Business credit cards

6-month BT profit | Promo BT APR | Promo period for BT | Annual fee | BT fee | Max. BT fee | Bank name | Card name
$240.4 | 0% | 12 | $0 | 0% | $0 | American Express | American Express SimplyCash® Business Card
$240.4 | 0% | 12 | $0 | 3% | $50 | Citibank | CitiBusiness® Card
$240.4 | 0% | up-to 15 | $0 | 0% | $0 | American Express | Blue for Business® from American Express
$240.4 | 0% | 12 | $0 | 0% | $0 | American Express | The Platinum Business Credit Card
$240.4 | 0% | 12 | $0 | 3% | $99 | Chase | Chase Platinum Business Card
$240.4 | 0% | until June 2009 | $0 | No promo | No promo | Capital One | Capital One® Business Platinum
$240.4 | 0% | until June 2009 | $0 | No promo | No promo | Capital One | Capital One® Business Platinum with No Hassle Miles(SM)
$240.4 | 0% | 12 | $0 | 0% | $0 | American Express | American Express® Platinum Business FreedomPass(SM) Card
$240.4 | 0% | 12 | $0 | No promo | No promo | Citibank | Citi® Professional(SM) Cash Card
$240.4 | 0% | 12 | $0 | No promo | No promo | Citibank | CitiBusiness® Card with ThankYou(SM) Network
6-month BT profit | Promo BT APR | Promo period for BT | Annual fee | BT fee | Max. BT fee | Bank name | Card name
$240.4 | 0% | 12 | $0 | 3% | $99 | Chase | Chase Business Cash Rewards Card
$240.4 | 0% | 12 | $0 | 3% | $99 | Chase | Chase Business Rebate Visa® Card
$240.4 | 0% | 12 | $0 | No promo | No promo | Citibank | Citi® Professional(SM) Card with ThankYou(SM) Network
$240.4 | 0% | 12 | $0 | 3% | $90 | Advanta | Advanta Platinum BusinessCard
$240.4 | 0% | 12 | $0 | 3% | $75 | Discover | Discover® Business Card
$240.4 | 0% | until June 2009 | $0 | No promo | No promo | Capital One | Capital One® Business Platinum with No Hassle Cash(SM)
$240.4 | 0% | until June 2009 | $0 | No promo | No promo | Capital One | Capital One® Business Platinum with Preferred No Hassle Miles(SM)
$240.4 | 0% | 6 | $0 | 0% | $0 | American Express | Blue Cash® for Business Credit Card
$240.4 | 0% | 6 | $0 | 3% | $75 | Discover | Discover® Business Miles Card
$101.6 | 2.90% | 6 | $45** | 0% | $0 | American Express | Starwood Preferred Guest® Business Credit Card from American Express®

Student credit cards

6-month BT profit | Promo BT APR | Promo period for BT | Annual fee | BT fee | Max. BT fee | Bank name | Card name
$240.4 | 0% | 6 | $0 | 0% | $0 | Citibank | Citi® Platinum Select® Card for College Students
$240.4 | 0% | 6 | $0 | 0% | $0 | Citibank | Citi® Dividend Platinum Select® Card for College Students
$240.4 | 0% | 6 | $0 | 0% | $0 | Citibank | Citi® mtvU™ Platinum Select® Visa® Card for College Students
$240.4 | 0% | 6 | $0 | 0% | $0 | Citibank | Citi® Driver's Edge® Card for College Students
$240.4 | 0% | 6 | $0 | No promo | No promo | Discover | Discover® Open Road(SM) Card for Students
$240.4 | 0% | 6 | $0 | No promo | No promo | Discover | Discover® Student Card
$240.4 | 0% | 6 | $0 | No promo | No promo | Discover | Discover® Student Card - Clear
$240.4 | 0% | 6 | $0 | No promo | No promo | Discover | Discover® Student Card - Monogram Collection
$240.4 | 0% | 6 | $0 | No promo | No promo | Discover | Discover® Student Card - Tropical Beach
$113.6 | 0% | until October 2008 | $29 | No promo | No promo | Capital One | Capital One® No Hassle Cash(SM) Rewards for Students
6-month BT profit | Promo BT APR | Promo period for BT | Annual fee | BT fee | Max. BT fee | Bank name | Card name
$106.3 | 0% | until October 2008 | $0 | No promo | No promo | Capital One | Capital One® Standard Platinum for Students

* - Balance transfer APR is valid only if the balance transfer is requested in credit card application
** - First annual fee is waived
*** - The maximal fee for balance transfers is not shown. However, I did take the fee into account when I did calculations and sorted credit cards.
**** - " 'BT profit' is the interest accumulated for 6 or 12 months after a balance transfer of $10,000 from a credit card to a 5% savings account. An assumption about 2% monthly minimal payment to the credit card is used. If the 1st annual fee is waved, then the annual fee is not included in the calculations. Depending on your selection of 'Type of promotion', promo rates and periods for either balance transfers or purchases are used