Possibly Dying -- Citibank ADA Mastercard 0% 12 month no fee BT

pitflyer said: Thanks, that was the question I was originally asking (if you needed to enroll to get the points)... well I missed a few purchases so far but better late than never. Guess I'm going to get that weird user account after all.

called: https://www.adatravelrewards.com/rewardsfaq.asp

you dont have to 'enroll'. holding the ADA card you're automatically a member.

Engineer said: Engineer said: ShakuniMama said: There is also a Bank of America® Platinum Plus® MasterCard with 0%/0 fees.
Check it out!

Thanks. Just what the doctor ordered!

Just a followup in case anyone is interested. I was instantly approved for $13,800 and it is already showing up online with my other BoA accounts. Transfer was "fee free" and since I have a few thousand left from rolling one of my cards over, I'll roll over my Lowes same as cash deal from last year too...free interest for one more year on that. BoA just cancelled one of my cards for "inacttivity for 12 months"...this filled its shoes nicely!

I know this thread isn't about the card I keep bumping, but I've had good luck with this card. After I nearly maxed out the zero % offer, my card arrived. While activating it, BoA asked if I needed to do any more BT's. I stated that I have maxed the card out to which she replied, you have $18,700 in an unused card that I could roll over to this card. She offered to roll over $18,600 ($100 left on other card to keep open) so now I've moved over the rest of my expiring zero % money until 2/10. I usually don't like BoA, but it's been much better so far on this deal than previous cards that I've had through them

Good luck all.

does this make any sense to you guys? I applied and was accepted for the ADA World Mastercard, but when I check the rewards link it says this:

ADA® World MasterCard®-xxxx

Rewards Details
Program:
ADA Platinum Select® Business Card

Member Since: 01/26/09

Online rewards activity is currently not available for this program. Please check your monthly paper statement for detailed rewards information and updates or enroll in Paperless Statements to see this information online.

Am I really that dumb? Did I fill out the wrong app?

skotty4 said: pitflyer said: Thanks, that was the question I was originally asking (if you needed to enroll to get the points)... well I missed a few purchases so far but better late than never. Guess I'm going to get that weird user account after all.

called: https://www.adatravelrewards.com/rewardsfaq.asp

you dont have to 'enroll'. holding the ADA card you're automatically a member.

Correct- you are automatically enrolled in the Rewards Program at approval. Terms and conditions do not reference the rewards website and registering there only give one online access to rewards program account.

goldenkidx said: For anyone looking for another option, it looks like citi has resurrected the Professional card with 0% and no fee balance transfer. The offer gives you 15,000 thank you points as well

LINKY:

https://www.accountonline.com/ACQ/Apply?sc=6EBZE3D6&m=NCAG300000...

Thanks goldenkidx.
I hope this offer/promo lasts for a couple months.

pthor1231 said: alanmax said: goldenkidx said: For anyone looking for another option, it looks like citi has resurrected the Professional card with 0% and no fee balance transfer. The offer gives you 15,000 thank you points as well

LINKY:

https://www.accountonline.com/ACQ/Apply?sc=6EBZE3D6&m=NCAG300000...

Thanks goldenkidx.
I hope this offer/promo lasts for a couple months.

Just go ahead and pull the trigger on the app, per the T&C:

T&C said: Balance transfer APR: As long as first balance transfer is completed within 12 months from date of account opening, 0.00% for 12 months from date of first balance transfer. After that, 9.24% variable.

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

So, similar situation as this ADA card, you get 12 mos to start the BT, and then you get 12 mos @ 0% APR from the start date of the first BT.

I have to give my credit report a rest so that is why I am hoping the offer/promo last a couple more months.

pitflyer said: mine says the same thing BrianJason and I have a World Card.

Thanks for the reply. I'll go ahead and register at the travel rewards website when i get my card.

pitflyer said: TrueValue said: anybody seen any good offers that give you 0%APR on purchases as well as 0%APR on balance transfers for 12 months?

The Discover More card offers 0% APR on both purchases and APR but charges a 3% balance transfer fee. Capital One Platinum Prestige does the same. I think a trifecta card (0% purchase, 0% BT, 0 fee) maybe impossible now?

EDIT: I think I found one US Bank Linux Card which says for the Plat card:

Annual Percentage Rate for Purchases1 0.00% for the first 12 billing cycle
Other Annual Percentage Rates1
Balance Transfers:
0.00% for the first 12 billing cycles for balances transferred with this application2
Other Fees
Balance Transfer Fee:
No Balance Transfer Fees for balances transferred with this application.

I wonder however you have to do the balance transfer up front with them.

I wonder what kind of credit lines that US Bank Linux card is offering?

wow pitflyer, very interesting find. thanks a lot. I'm wondering if there is any hidden drawbanks to the US Bank card, never had a card with them before. I'm wondering how generous they are with credit lines and how often they hassle you with financial reviews, etc. From what I've read, BOA, Citi, and Chase seem to be the most generous with credit lines, with Discover and AMEX being more stringent.

TrueValue said: anybody seen any good offers that give you 0%APR on purchases as well as 0%APR on balance transfers for 12 months?

Sorry, but what does this have to do with the ADA card or related discussion? I believe you will find the answer to your inquiry here

ShakuniMama said: I think the most appropriate thread to discuss any Credit Card other than this card is What Credit Card Should I Get ?

Yes, this thread has gotten corrupted with discussion about the Bank of America card or other cards, and I helped with my response. I'm not going to delete my previous message, but please take any discussions NOT about the Citibank ADA credit card to different topics, including the one listed above.

Back on topic, since ADA Travel Rewards can take several weeks to post, I guess we won't know if points are earned before you register on the website or not. As a gambling man I would bet they are, but I registered anyway once nklp posted those T&Cs. A friend of mine is a dental hygienist and her boss actually has this card (pre-Fatwallet ); shoulda asked about the rewards through her.

I would personally wait, since the timeline on the BT offer is a 12 month one, and then the 0% BT itself is 12 months past the BT application date.

skotty4 said: Arfanbarkler said: So are you guys immediately paying off the $150 and doing the balance transfers? Or are you waiting for the first statement before paying it out of concern the points might not generate otherwise?

i made a $200 purchase last week, it posted to my account yesterday, and i paid it today. Hope it works.

Did you pay via online payment today? I keep getting error messages that my payment exceeds my account balance.

mojomover said: I have the Associated card. I took up the BT offer for 12 months right after I was approved. Now, I noticed that I am eligible for a BT for 12 months within the first 12 months, for 12 months from the time I accept the offer. Basically, I started my current BT in May 08, finishing it up in Apr 09. So if I go ahead with taking up another before the end of April, I will get another 12 months 0% with no fee. So this is actually a 23 months card False. The agreement says that 0% lasts 12 months from time of first transfer.

mojomover said: I have the Associated card. I took up the BT offer for 12 months right after I was approved. Now, I noticed that I am eligible for a BT for 12 months within the first 12 months, for 12 months from the time I accept the offer. Basically, I started my current BT in May 08, finishing it up in Apr 09. So if I go ahead with taking up another before the end of April, I will get another 12 months 0% with no fee. So this is actually a 23 months card

I'm wondering, on what webpage on your account are you seeing this new info? seems a little too good to be true.

jules128 said: I called 1-800-950-5114 and a very nice man in India was able to consolidate my citi aadvantage amexx to this new card.
Don't count your chickens yet..........

goldenkidx said: For anyone looking for another option, it looks like citi has resurrected the Professional card with 0% and no fee balance transfer. The offer gives you 15,000 thank you points as well

LINKY:

https://www.accountonline.com/ACQ/Apply?sc=6EBZE3D6&m=NCAG300000...

One interesting data point on this card. I applied for this to have a 0% BT in hand when my current mini-AOR expires this summer. I got a call this morning from a CSR, who cheerfully moved 40k+ CL from my existing Citi World Mastercard onto this card. Since the World MC CLs don't show on my credit report, I'm guessing my utilization just dropped through the floor.

The Citi World MCs have "no preset spending limit". A CL appears on my statement each month, but no CL is reported to the credit agencies. For utilization purposes, that means the CL is effectively zero.

I don't think I'd completely avoid them, depending on what other benefits they provide for you. If you have one now, or get one in the future, though, check your credit report to see if a CL is being reported for that card. If not, be sure not to include that card when you're calculating your own overall utilization.

It appears to be a YMMV. There are a couple other threads floating about on how Citi has severely curtailed reallocations onto cards like this, but then there are cases like mine where the CSR called me and offered to do it (on the Citi Professional, not the ADA, but still a card with 12mo 0% no fee BT) with no prompting from myself.