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

spoonfeeding on FWF...again...oy!

runderwo said: I just got a 13 month 0%, $75 fee offer for a Juniper biz card in the mail and was immediately approved online.
which card? do you have any other personal or business lines with juniper?

NothinisFree said: jackcrawfish said: NothinisFree said: usdtoreros said: madshana said: Here is a link for BOA with a 12 month 0% BT and a $0 fee cap. I just applied - so I know it is still valid.

When I called the app status number and found that I was approved - I requested a BT and they confirmed that the BT fee is $0.

LinkI was also approved for this card. When I called the app status number, I found I was approved with a $5,000 CL and my balance transfer for $4,000 was approved. The rep also allowed me to put through a CLI up to $8,000 and let me increase my BT to $6,000 with the promotional 0% until August 2009 with no fees.I am interested in a 0% APR 12 month on balance transfers card with NO balance transfer fee. IS this offer still valid? Anyone know?? Thanks in advance

I applied just now and was approved for 4K but I need 10 K. All my other CC's give me minimum 10K whats up with this low ball offer?NothinisFree, nothing is free here on FWF. Do a little research 1st.


Thanks for the cheeky response. Little research?

I researched for HOURS before I posted. No need to be a douchebag.

I know that 12 month 0% APR balance transfer cards with no balance transfer fees are very HARD to find and in this economy, they seem to be impossible as credit card companies are weary . I searched the net and read and re-read numerous balance transfer sites and message boards.

Just got approved for $11600 for the BOA Mastercard Gold! 0% for 12 months and there is NO transfer fee! They also said that you can walk into a branch of BOA and pay your credit bill if you want! (Don't know if this is true, but GREAT if it is!) I transferred some balances (BYE BYE DISCOVER)! I applied for a few 0% cards over the past year, and got shot down, but hit the gold on this one! This is going to be a big help in chopping away at my debt. I need a few more years, but I WILL BE DEBT FREE!!!

jackcrawfish said: NothinisFree said: jackcrawfish said: NothinisFree said: usdtoreros said: madshana said: Here is a link for BOA with a 12 month 0% BT and a $0 fee cap. I just applied - so I know it is still valid.

When I called the app status number and found that I was approved - I requested a BT and they confirmed that the BT fee is $0.

LinkI was also approved for this card. When I called the app status number, I found I was approved with a $5,000 CL and my balance transfer for $4,000 was approved. The rep also allowed me to put through a CLI up to $8,000 and let me increase my BT to $6,000 with the promotional 0% until August 2009 with no fees.I am interested in a 0% APR 12 month on balance transfers card with NO balance transfer fee. IS this offer still valid? Anyone know?? Thanks in advance

I applied just now and was approved for 4K but I need 10 K. All my other CC's give me minimum 10K whats up with this low ball offer?NothinisFree, nothing is free here on FWF. Do a little research 1st.


Thanks for the cheeky response. Little research?

I researched for HOURS before I posted. No need to be a douchebag.

I know that 12 month 0% APR balance transfer cards with no balance transfer fees are very HARD to find and in this economy, they seem to be impossible as credit card companies are weary . I searched the net and read and re-read numerous balance transfer sites and message boards.From an AOR started just 8 days ago... (spoon)

ISSUER                Term  Rate Fee  Apply A/D  Limit Bureau  NOTE  
 
PERSONAL CREDIT
3  BOA PlatPlus          12    0% 0    Link   ?  ?????   ??   This app isn't found in the status link
4  CITI Associated Bank  12    0% 0    Link   A  15000   EQ   
8  USBANK / LINUX        12    0% 0    Link   A  25000   EQ   FW Talk 0 fee with app
19 USBANK /ProBull       12    0% 0    Link   D  00000   EQ   FW Talk 0 fee with app
20 BOA NEA Card          12    0% 30   Link   D  00000   EX   
BUSINESS CREDIT
7  CitiBusiness          12    0% 0    Link   A  10000   EQ   purch/pay/25 stmt cr
XX 5/3rd                 12    0% 0    Link   Not available in some areas

Thank, much appreciated.I see you applied for the BOA plat plus which I applied for. Did you have any hassle with them honoring the 0 balance transfer fee since that web link is older and they now require a code for each credit card promo?

Also, in your opinion, which of the credit cards in your AOR is the best?

jackcrawfish said: NothinisFree said: jackcrawfish said: NothinisFree said: usdtoreros said: madshana said: Here is a link for BOA with a 12 month 0% BT and a $0 fee cap. I just applied - so I know it is still valid.

When I called the app status number and found that I was approved - I requested a BT and they confirmed that the BT fee is $0.

LinkI was also approved for this card. When I called the app status number, I found I was approved with a $5,000 CL and my balance transfer for $4,000 was approved. The rep also allowed me to put through a CLI up to $8,000 and let me increase my BT to $6,000 with the promotional 0% until August 2009 with no fees.I am interested in a 0% APR 12 month on balance transfers card with NO balance transfer fee. IS this offer still valid? Anyone know?? Thanks in advance

I applied just now and was approved for 4K but I need 10 K. All my other CC's give me minimum 10K whats up with this low ball offer?NothinisFree, nothing is free here on FWF. Do a little research 1st.


Thanks for the cheeky response. Little research?

I researched for HOURS before I posted. No need to be a douchebag.

I know that 12 month 0% APR balance transfer cards with no balance transfer fees are very HARD to find and in this economy, they seem to be impossible as credit card companies are weary . I searched the net and read and re-read numerous balance transfer sites and message boards.From an AOR started just 8 days ago... (spoon)

ISSUER                Term  Rate Fee  Apply A/D  Limit Bureau  NOTE  
 
PERSONAL CREDIT
3  BOA PlatPlus          12    0% 0    Link   ?  ?????   ??   This app isn't found in the status link
4  CITI Associated Bank  12    0% 0    Link   A  15000   EQ   
8  USBANK / LINUX        12    0% 0    Link   A  25000   EQ   FW Talk 0 fee with app
19 USBANK /ProBull       12    0% 0    Link   D  00000   EQ   FW Talk 0 fee with app
20 BOA NEA Card          12    0% 30   Link   D  00000   EX   
BUSINESS CREDIT
7  CitiBusiness          12    0% 0    Link   A  10000   EQ   purch/pay/25 stmt cr
XX 5/3rd                 12    0% 0    Link   Not available in some areas

I have a question about the fifth third bank business card. It seems you MUST have a business based out of certain states but your mailing address can be out of any state? Couldn't a person make up a business address out of state and then just use there real mailing address? I dont see how that would affect especially when you apply as a sole propreitor. OPINIONS?

Will BOA reallocate CL from another open card without closing the card? I got approved but with a measly $3K line

I didn't see any Juniper cards listed in the big list

The only Juniper cards with 12 mo 0% BT
Rec Rewards $75 max fee
National Parks $50 max fee
Good Sam /w Rec Rewards $75 max fee

When I got that card back in November, they actually offered a CL transfer from my existing card. It was instant, and the money was in my checking account in a few days.

shadow1woman said: madshana said: Here is a link for BOA with a 12 month 0% BT and a $0 fee cap. I just applied - so I know it is still valid.

When I called the app status number and found that I was approved - I requested a BT and they confirmed that the BT fee is $0.

Link
I am very interested in getting one of these cards if I can move my credit line from another BOA card to this one and then do the balance transfer. Has anyone had any experience with doing this?

I suspect this is a dead link. I applied a few weeks ago and haven't heard anything.

Their credit limits are usually small.

SuPrince said: Wachovia credit card

Promotional Balance Transfer APR: A 0% fixed APR for 12 months from the Account Opening Date ("Account Opening") on balance transfers made at Account Opening or transfers made using the Promotional Convenience Checksb that arrive with your Welcome Kit ("Welcome Kit Checks"); thereafter, your variable Standard Purchase Rate applies to any outstanding balance. Promotional rates end 12 months after Account Opening. Welcome Kit checks must be used within 90 days of Account Opening to receive the promotional rate. Welcome Kit Checks used after 90 days of Account Opening or separately ordered Convenience Checks, will post at your Standard Cash Advance APR. The 0% fixed promotional APR applies only to balance transfers and not to card purchases or cash advances. The fixed promotional rate may increase if your account is consistently past due or you make your monthly payments late.

Balance Transfer fee: 3% of the amount of each Balance Transfer or Promotional Convenience Check transfer transaction ($10 minimum, $75 maximum).

duna said: But many times even with FICO over 750 they will give you small credit lines. Thus not make it really valuable.

DiabloD3 said: I didn't see any Juniper cards listed in the big list

The only Juniper cards with 12 mo 0% BT
Rec Rewards $75 max fee
National Parks $50 max fee
Good Sam /w Rec Rewards $75 max fee

Apparently from what I've read in a few threads, they've been known to jerk people around too.

Everyone: forget I posted anything, Juniper sucks.

just did that a few minutes ago. Instead moving some CL，I closed my old one.

My wife got this offer in the mail .. she kept it for me to look at and it looks pretty juicy --

Capital One No Hassle Miles Card (1 of 'their' miles for $1 of purchase -- effectively 1% Cash Back towards travel)
Specifically says not for business
$0 annual fee
0% purchase APR till Dec 2009
0% transfer APR till Dec 2009
No transfer fees till Dec 2009

There are plenty of cards that have three of the four benefits listed above, but rarely do I see a card with all four. I couldn't find this specific card on Capital One's site just by browsing. If you like this offer keep an eye on your junk mail!

stabmaster said: I'm goin down to Mexico. Every card I looked into has a 3% fee for spending money internationally. I figured that the best way around this is to write a "credit card check." Does anyone know which card will help me get 0% APR and save that 3% international charge?


Please refer to the post right above yours. Cap One has no forex fees.

All of the Chase cards listed now say Balance Transfer fee 3% with a minimum of $5 (no mention of a max), does Chase have any 0% BT available with a capped fee?

Much obliged!

Would be great to get the master list updated at this point. A lot of these cards have ceased their offers I'm finding.

Pardon my naivete, but by Capital One card offers 0% BT, and in the fine print it states....
All transactions with this offer are subject to a transaction fee of 2% of each transaction amount.
This fee is considered a FINANCE CHARGE.
I don't see the verbiage about this being a finance charge on my other cards. What is the difference? How does the fact that this is a finance charge affect me?

Thank you!

Bump to prevent archiving.

is there an updated list of 0% BT cards??