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rated:
Post the best deals here on credit cards with Balance Transfer offers.

I'd like this to be a community updated list, like the Best Nationally Available High APY Liquid Accounts topic. If you see links here that no longer work or terms that have changed, feel free to update the Quick Summary.

There is also a now similar user-maintained list at the App-O-Rama site. It is not linked from the main page to keep it somewhat under the radar, but SIS asked me to mention it here.

There is an older thread on this topic, but it hasn't been updated in many months and the cards are listed in the OP, so they can't be updated by anyone except the OP. Also the What Credit Card Should I Get ? FAQ is focused on rewards cards. For those of you who regularly browse the AOR threads, you probably won't see much new here. However, I think there is a large segment of this forum who ignore those threads since they have no interest in doing an AOR, but still wants to take advantage of some balance transfer deals.

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Most Recent Posts
Good and Nice thread. Would have saved a lot of people a lot of time.Thanks...

sonaliweblance (Oct. 20, 2014 @ 2:47a) |

Mark -- either way is fine in my opinion. If you have use for the money, doing the BT straight away saves some time and... (more)

debentureboy (Oct. 23, 2014 @ 6:11a) |

This is a great thread. I learn a lot of things. Thanks guys

PiperBailey (Oct. 24, 2014 @ 3:29a) |

Credit Card Issuer Frequently Asked Questions
Credit Card Application status check thread: Online / Phone


Requirements for cards to be included in this list:


  1. Must have no Balance Transfer fee or capped Balance Transfer fee (BT fee).
  2. 0% or very low APR for Balance Transfers.
  3. Must not be a pre-approved offer like you get in the mail.
  4. Geo-specific cards (like National City & Fifth Third Bank) are OK, but note if they are restricted.


Personal Cards - everywhere (?)
                Max                                           FW
APR Mo. BT Fee BT Fee Issuer   Card                         Thread  Apply  Notes 
0%  12  3%     $75    US Bank  TheLinuxFund.org             FW link apply  (Elan)
0%  12  3%     $75    Barclays Coast to Coast Visa                  apply
0%  12  3%     $75    Barclays Rec Reward                           apply
0%  12  3%     $75    Barclays Good Sam                             apply
0%   9  3%     $50    Barclays Priceline                            apply
0%   6  3%     $50    Barclays L.L. Bean Visa                       apply
0%   6  3%     $50    Barclays Emmigrant Direct                     apply
0%   6  3%     $50    Barclays Multiple other cards                 info 
1.9% 9  3%     $50    Barclays I Fly America card                   apply  
0%   6  3%     $60    RBS      Citizen's Bank Platinum MasterCard   apply   Pulls 2 of 3 bureaus
0%   8  3%     $60    RBS      People's United Bank card            apply  Pulls all 3 bureaus
     



Notes:
  • - Elan (US Bank) is also the issuer for many local banks and some CUs.
  • - Capital One continues to send out no-fee purchase checks to prime customers, so might be worth 3 inquiries for some (e.g. as a balance transfer target)
Personal Cards - Limited lending area
                Max                                           FW
APR Mo. BT Fee BT Fee Issuer   Card                         Thread  Apply  Notes
0%  6   $0     $0     ?        Bank of Kentucky Visa                info Call to apply.  Nationwide?

Business Cards - everywhere (?)
               Max                                           FW
APR Mo. BT Fee BT Fee Issuer   Card                         Thread  Apply  Notes
0%   6  3%     $99    Barclays BankAtlantic Business Card           apply
0%   6  3%     $75    Barclays Multiple other cards                 info   Check bottom of page  
Business Cards - Limited lending area
                Max                                           FW
APR Mo. BT Fee BT Fee Issuer   Card                         Thread  Apply  Notes


                    
DEAD??
                Max                                           FW
APR Mo. BT Fee BT Fee Issuer   Card                         Thread  Apply
0%   6   0      $0    Barclays Harvard World MasterCard (Alumni)    apply terms as of 12/5/09
0%  15  3%     $75    US Bank  Rails to Trails                      apply  (Elan)  
0%  15  3%     $75    US Bank  TheLinuxFund.org             FW link apply  (Elan)
0%   6  3%     $75    Infibank Suntrust Visa                        info  Call 866.371.9606 
0%  12  3%     $75    Chase    Disney Rewards                       apply
0%  12  3%     $75    Chase    OptionsXpress Platinum Visa          apply
0%  12  $0     $0     US Bank  TheLinuxFund.org             FW link apply  (Elan)
0%  12  $0     $0     US Bank  Baylor Alumni card           FW link apply  (Elan)
0%  12  $0     $0     US Bank  Prof. Bullrider's Assoc.     FW link apply  (Elan)
0%  12  $0     $0     US Bank  American Humane                      apply  (Elan)
0%  12  $0     $0     US Bank  Sons OF Norway                       apply  (Elan)
0%  12  $0     $0     US Bank  African Wildlife Foundation          apply  (Elan)  
0%   9  3%     $150   StateFrm State Farm Good Neighbor     FW link apply  Pulls all 3 bureaus  NOTE, still alive, but a 2.9 6 month rate
0%   6  $0     $0     5th 3rd  1st Southwest bank                   apply - worked in April 2009
0-6% 6-9 3%    $99    W. Fargo Visa Platinum                        apply  W.F. or Wach customer to apply.
0%  12  $0     $0     Banco Popular Bota y Cambia offer             link  Open in branch
0%   7   0     $0     BOA      Mercedes Platinum                    apply
0%  6   $0     $0     Nat City Visa Business                        apply  Geo-restricted 
0%   6  $0     $0     Nat City Lifespring Health                    apply
0%   6  $0     $0     Nat City Quilter's Rewards                    apply
0%  6   $0     $0     Citi     Home Rebate Platinum Select          apply  
0%  12  3%     $99    Wachovia Visa Platinum                FW link apply apply  
0%  12  3.5%   $99    5th 3rd  Fifth Third Bank Platinum            apply  BT cap is gone
0%  12  $0     $0     Citi     CitiBusiness Card with TYN           app_1 app_2 Can't find it anymore
0%  12  $0     $0     Citi     CitiBusiness Card Platinum Select    apply ditto
0%  12  $0     $0     Citi     Professional                         apply
~6% LIFE 2.5%   $100  PFCU     Platinum Cash Rewards                apply  
0%  12  $0     $0     Citi     Diamond Preferred            FW link Apply 
0%  12  $0     $0     Citi     Premiere Pass                FW link apply       
0%  12  2%     $30    BofA     NEA Platinum Plus                    apply
~3% LIFE 2.5%   $100  PFCU     Platinum Cash Rewards                apply  
0%  12  $0     $0     BofA     Platinum Plus (12 months)    FW link 
0%  12  $0     $0     Xceed CU Xceed Financial Platinum     FW link apply  
0%  13  3%     $75    Barclays Juniper Business Card                apply
0%  12  3%     $75    Discover Discover More                        apply
0%  12  3%     $99    Citi     AT&T Universal Business Card         apply   
0%  12  $0     $0     Citi     ATT Universal                        apply   
0%  12  $0     $0     Citi     Drivers Edge Optns Plat Sel  FW link app_1 app_2
0%  6   $0     $0     Simm 1st Simmons First Visa Plat Trav         apply
0%  12  $0     $0     Citi     Generic Platinum Select (no div)     apply
0%  12  $0     $0     Citi     ADA Mastercard               FW link apply  
0%  6   $0     $0     Pulaski  Iberabank Visa Platinum Rewards Card apply        ....               
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rated:
Great post!

rated:
I've added the link for the 15 month BofA card. Although it doesn't have the no fee bonus the 12 month one does, its still a useful card.

Edit: er, rutrow, no or capped BT fees only? Ipecac, remove if you feel it doesn't belong, but its the only 15 month BT deal I know of so it might still belong here.

rated:
Do you want target mail offers? I just got a US Bank targeted offer for 15months 0% no fee and was approved for 10k so they still got credit to lend.

rated:
This is a great thread. Would have saved a lot of people a lot of time.

rated:
PoisnBGood said: This is a great thread. Would have saved a lot of people a lot of time.

You mean by looking through linked AOR threads, not much time and pretty easy.

rated:
Preparation for AORs just became easier
Much green!

rated:
RBS CC is qualified for this thread, but I don't recommend it if you are doing AOR.

I have twice experience with this bank(me, and family member) and got approved for 6k limit when we were with decent credit and got over 20k limit easily with other banks. That makes me think they only give out 6k limit max when issue a card. With the current saving account rate, it will take you 3~5 months(or more) to recoup the fee since the limit they are willing to give out is so low. To me, that means it doesn't worth the pull. And if I recall correctly, they don't let you increase the credit limit either when you just receive the card. Not sure if they let you consolidate cards.

Some other banks I know the max limit when they issue the card out is
Statefarm 25K (no consolidation)

Not confirmed (my experience for at least 2 times)
USBank 25k
Elan Biz 15K

rated:
Very helpful, thank you.

rated:
Just wanted to say I got a lousy $3,500 CL from Chase Disney - HHI 190 / Scores 720-760.

There's an HSBC one that could be added btw.

rated:
From many people's experiences HSBC offers very low lines (usually not over $3500). Not sure if that would even be worth adding to the list. If it is added, just put a note: *low limit*.

Edit: Spelling.

rated:
Green for a great topic and what appears to be an avatar of Adam Jones.

rated:
Way to go, ipecac. Thanks!

rated:
Finally!

rated:
I would add the Xceed Financial Credit Union Visa; yes you do have to apply to be a member and jump through some hoops to get it. Here's the thread explaining it all:

Link

rated:
great thread

rated:
Nice job OP. I usually go to http://app-o-rama.com/apr.htm for this, but I don't know if it is updated anymore!

rated:
Thank you for your post!!! Saved a lot of time for everyone.

rated:
Regarding the Nat City Biz card, I called today to apply and was told a branch visit is required and you also must open a biz checking account. I'll call again to see if I get the same info. Has anyone opened this card recently? I noticed in several recent AOR threads no one was applying for this card, even though a few were applying for the personal card....figured there was a reason.

rated:
skagen said: Just wanted to say I got a lousy $3,500 CL from Chase Disney - HHI 190 / Scores 720-760.

There's an HSBC one that could be added btw.


wow, that is an amazingly low CL given 190K income and your FICO scores. Did you have other Chase cards at the time?
by the way, I thought that the Disney cards were only personal cards, not biz

rated:
this thread was just what my mama was lookin for. Excellent!

rated:
TrueValue said: skagen said: Just wanted to say I got a lousy $3,500 CL from Chase Disney - HHI 190 / Scores 720-760.

There's an HSBC one that could be added btw.


wow, that is an amazingly low CL given 190K income and your FICO scores. Did you have other Chase cards at the time?
by the way, I thought that the Disney cards were only personal cards, not biz


Yeah, weird. I got a 21K limit about 4 months ago with 160K and scores 740-770.

rated:
for the citi professional with 15k thank you points or whatever, it says "Balance transfer fee: 3% of each balance transfer; $5 minimum. There is no fee with the 0.00% APR balance transfer offer described above."

Does that mean that the first balance transfer has no fees? I'm new to credit cards. Thanks for the help.

rated:
supamaryo said: for the citi professional with 15k thank you points or whatever, it says "Balance transfer fee: 3% of each balance transfer; $5 minimum. There is no fee with the 0.00% APR balance transfer offer described above."

Does that mean that the first balance transfer has no fees? I'm new to credit cards. Thanks for the help.


You are correct.

rated:
DavidiusRex said: TrueValue said: skagen said: Just wanted to say I got a lousy $3,500 CL from Chase Disney - HHI 190 / Scores 720-760.

There's an HSBC one that could be added btw.


wow, that is an amazingly low CL given 190K income and your FICO scores. Did you have other Chase cards at the time?
by the way, I thought that the Disney cards were only personal cards, not biz


Yeah, weird. I got a 21K limit about 4 months ago with 160K and scores 740-770.


Maybe I can give them a call and get that bumped significantly. It was a real disappointment - the HSBC was 12K, BOA 13.8K and ADA was 10-12K (I forget).

I do have my mortgage through them - it's a new mortgage and a 15 yr so the payment is relatively higher than a 30 year, so I wonder if that is a factor. Nonetheless, I'll try to appeal once I get my card. (I applied like 4 weeks ago now and just a few days ago the voice system said I was approved...for 3.5K. whoopie!)

rated:
can you put what credit bureau it pulls please..it will be very important...if you can for all those cards..thanks a bunch..

rated:
people should also put some notes in the QS like bad limits, possible adverse actions, etc

rated:
So when is this getting stickied?

rated:
gizmoduck said: So when is this getting stickied?agreed! Thanks Ipecac and other quick summary posters!

rated:
supamaryo said: for the citi professional with 15k thank you points or whatever, it says "Balance transfer fee: 3% of each balance transfer; $5 minimum. There is no fee with the 0.00% APR balance transfer offer described above."

Does that mean that the first balance transfer has no fees? I'm new to credit cards. Thanks for the help.

All your BTís within the first twelve months have no fee.

rated:
Rorer714 said: supamaryo said: for the citi professional with 15k thank you points or whatever, it says "Balance transfer fee: 3% of each balance transfer; $5 minimum. There is no fee with the 0.00% APR balance transfer offer described above."

Does that mean that the first balance transfer has no fees? I'm new to credit cards. Thanks for the help.

All your BTís within the first twelve months have no fee.


Thanks so much for helping. I've been trying to help my mom find one of these 0% cards for awhile. Appreciate it.

Thanks to the OP too.

rated:
Glad you guys seem to like the new thread. Also, I appreciate all of you jumping in already to help add cards to the list.

Regarding my Avatar: It's not Adam Jones from Tool, but Ogre from Skinny Puppy. Strangely enough, I've heard members of the two bands are friends though.

rated:
Edit - Added Xceed Financial CU Credit card (Thanks Vismd), State Farm Card, and Fifth Third Bank Card to QS.

Scroll bars keep showing up in the Biz card section. You might have to scroll down to see the last one, depending on your browser.

rated:
NeedCash911 said: can you put what credit bureau it pulls please..it will be very important...if you can for all those cards..thanks a bunch..
It is a good idea, but it might be beyond the scope of this thread. Which bureau can vary with the same issuer depending on what state you are in and what the credit analyst ate for breakfast that morning. I think there is a Credit Boards topic for that, so I'm sure someone can point you in the direction of that.

rated:
Ipecac said: NeedCash911 said: can you put what credit bureau it pulls please..it will be very important...if you can for all those cards..thanks a bunch..
It is a good idea, but it might be beyond the scope of this thread. Which bureau can vary with the same issuer depending on what state you are in and what the credit analyst ate for breakfast that morning. I think there is a Credit Boards topic for that, so I'm sure someone can point you in the direction of that.


http://creditboards.com/forums/index.php?&autocom=creditpulls

rated:
This thread is awesome. The only issue I can see arising is a lot of these cards getting pulled quickly because they are linked in the quick summary. The Fatwallet effect has been known to get some good deals killed pretty quickly - case in point:

Link

rated:
I had briefly mentioned this card in another thread. It's a regional offer for DC residents. I have not tried to apply for it since I don't live in Washington.

Shittybank SmarTrip Mastercard

0% APR 12 months no fee

rated:
Data point for the BankAtlantic Biz Card:

I paid off my existing BA card 2 days ago and left it open. Submitted an app online this morning for a new BA card. Called 866-408-4064 and they were able to close my existing card and move the credit line over to a new card, plus give a small increase in credit line.

I apologize if this is common knowledge already, but the prior posts I saw about this mentioned having to close the BA card, move the credit line to a personal card, and then move the credit line to the new BA card. Took less than 5 minutes and no need to move to personal at all. Hope it helps someone.

rated:
Thanks OP. While I am waiting for my ADA cards, I became an Baylor Alumni after seeing your post, and got instant approval with CL $15000.
n

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rated:
This is a great thread. I learn a lot of things. Thanks guys

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