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alert mods    
rated:
   posted: Feb. 11, 2009 @ 3:09a

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.

Message edited by: Ipecac on 2009-03-08 20:40:12 CDT
   posted: Feb. 11, 2009 @ 3:09a

applyCredit 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    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  3%     $75    Barclays Coast to Coast Visa                  apply
0%  6   $0     $0     Nat City Lifespring Health                    apply
0%  6   $0     $0     Nat City Quilter's Rewards                    apply
0%  6   3%     $60    RBS      Citizen's Bank Platinum MasterCard   apply
0%  8   3%     $60    RBS      People's United Bank card            apply
0%  9   3%     $150   StateFrm State Farm Good Neighbor     FW link apply  Pulls all 3 bureaus
0%  6   $0     $0     5th 3rd  1st Southwest bank                   apply - worked in April 2009
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%  6-9 3%     $99    W. Fargo Visa Platinum                        apply  Must be W.F. customer to apply online
0%  12  $0     $0     Banco Popular Bota y Cambia offer             link  Open in branch
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
Business Cards - Limited lending area 
                Max                                           FW
APR Mo. BT Fee BT Fee Issuer   Card                         Thread  Apply  Notes
0%  6   $0     $0     Nat City Visa Business                        apply  Geo-restricted
DEAD?? 
                Max                                           FW
APR Mo. BT Fee BT Fee Issuer   Card                         Thread  Apply
0%  6   $0     $0     Citi     Home Rebate Platinum Select          apply  Seems expired
0%  12  3%     $99    Wachovia Visa Platinum                FW link apply  
0%  12  3.5%   $99    5th 3rd  Fifth Third Bank Platinum            apply  BT cap is gone, unless "specified in offer"
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%  6   $0     $0     ?        Bank of Kentucky Visa                apply  seems dead
0%  12  $0     $0     Citi     Professional                         apply  This link is still active, but reported as dead
~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 1-800-932-2775, offer code FAATCY (expired)
0%  12  $0     $0     Xceed CU Xceed Financial Platinum     FW link apply  
0%  12  3%     $50    Barclays I Fly America card                   apply  
0%  13  3%     $75    Barclays Juniper Business Card                apply
0%  12  3%     $75    Discover Discover More                        apply
0%  6   3%     $50    Barclays L.L. Bean Visa                       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        ....

Message edited by: jackcrawfish on 2009-10-26 22:41:31 CDT

alert mods    
rated:
   posted: Feb. 11, 2009 @ 3:11a

Great post!


alert mods    
rated:
   posted: Feb. 11, 2009 @ 4:07a

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.

Message edited by: DiabloD3 on 2009-02-11 04:14:03 CST
alert mods    
rated:
   posted: Feb. 11, 2009 @ 6:42a

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.


alert mods    
rated:
   posted: Feb. 11, 2009 @ 10:02a

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


alert mods    
rated:
   posted: Feb. 11, 2009 @ 10:07a

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.


alert mods    
rated:
   posted: Feb. 11, 2009 @ 10:17a

Preparation for AORs just became easier
Much green!


alert mods    
rated:
   posted: Feb. 11, 2009 @ 10:32a

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


alert mods    
rated:
   posted: Feb. 11, 2009 @ 10:40a

Very helpful, thank you.


alert mods    
rated:
   posted: Feb. 11, 2009 @ 10:53a

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.


alert mods    
rated:
   posted: Feb. 11, 2009 @ 11:21a

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.

Message edited by: Corndogg on 2009-02-11 11:21:42 CST
alert mods    
rated:
   posted: Feb. 11, 2009 @ 11:51a

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


alert mods    
rated:
   posted: Feb. 11, 2009 @ 12:20p

Way to go, ipecac. Thanks!


alert mods    
rated:
   posted: Feb. 11, 2009 @ 12:30p

Finally!


alert mods    
rated:
   posted: Feb. 11, 2009 @ 12:31p

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


alert mods    
rated:
   posted: Feb. 11, 2009 @ 12:48p

great thread


alert mods    
rated:
   posted: Feb. 11, 2009 @ 3:27p

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!


alert mods    
rated:
   posted: Feb. 11, 2009 @ 7:17p

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


alert mods    
rated:
   posted: Feb. 11, 2009 @ 7:28p

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.


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