UPDATE 10/1/08

Biz cards now have 3% uncapped BT fees. Personal cards still have no BT fees for the promo period.

Last summer, US Bank (aka, Elan) offered many cards with 0% BT offers and no fees. At some point, they all switched to uncapped fees.

I checked this week - the no fee deals are back. Some examples:

Personal - 0% for 12 months

Baylor alumni
Professional Bull Riders
The Linux Fund
Credit 74ak for the last 2.

Business - 0% for 6 months

Woodforest
Cambridge Trust
M&T

Terms for all of these apps say "No Balance Transfer Fees for balances transferred with this application."

Enjoy!

Celebrate good times!...(but crap, I still have 5 more months until I can apply for more credit).

Great find! Looks like 0% applies to both purchases and balance transfers. Thanks!

Just a word of warning, based on my personal experience with US Bank: Their pre-approved offers apparently don't take into account how many hard credit inquiries you have. I had around TU8, Ex10, and Eq15 a few months into my AOR when I tried to take advantage of the offer, and was denied due to too many inquiries.

OTOH, Chase sent me a pre-approved Chase Professional pre-approved offer at about the same time, and I was approved for that card, with a 20K CL. I even already had a Chase GM Business card. Go figure.

glxpass said:Just a word of warning, based on my personal experience with US Bank: Their pre-approved offers apparently don't take into account how many hard credit inquiries you have. I had around TU8, Ex10, and Eq15 a few months into my AOR when I tried to take advantage of the offer, and was denied due to too many inquiries.

OTOH, Chase sent me a pre-approved Chase Professional pre-approved offer at about the same time, and I was approved for that card, with a 20K CL. I even already had a Chase GM Business card. Go figure.

In general, I think Chase is less uptight about inquiries than smaller outfits like US Bank.

Thanks, Mike & Lhendricks.

Applied and got the 7-10 days. Might be related to the EX freeze. Did get the BT request after the decision and entered $30K request.

Will try M&T later today.

Terms for all of these apps say "No Balance Transfer Fees for balances transferred with this application."

Enjoy!

I see the where it says "no blalance transfer fees for balance tranferred with this application",
There is also: "Balance Transfer Fee: 3.00% of the transaction amount, $5.00 minimum". Does this mean I'll get 3% charge if apply on the phone? And I will not get the BT charge if apply through the link.

Just would like to verify.
Thank you.

Is there a geographic area restriction for any of these USB cards? I have read that with some other cards (not necessarily USB), some fatwalleters got rejected because their "address was outside of bank's service area".

tolamapS said:Is there a geographic area restriction for any of these USB cards? I have read that with some other cards (not necessarily USB), some fatwalleters got rejected because their "address was outside of bank's service area".
US Bank itself can be fairly nationwide. Some of the smaller banks, for instance Woodforest, I think won't even let you apply unless you specifiy a site in their lending area.

cclyde said:All 4 links you provided are showing 3% BT fees, $5 min [no max], now. Read up above that. It states, "No Balance Transfer Fees for balances transferred with this application."