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.
Requirements for cards to be included in this list:
Must have no Balance Transfer fee or capped Balance Transfer fee (BT fee).
0% or very low APR for Balance Transfers.
Must not be a pre-approved offer like you get in the mail.
Geo-specific cards (like National City & Fifth Third Bank) are OK, but note if they are restricted.
Personal Cards - everywhere (?)
MaxFWAPRMo.BT FeeBT FeeIssuerCardThreadApplyNotes
0% 12 3% $75 US Bank TheLinuxFund.org FW linkapply (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 Pricelineapply
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
MaxFWAPRMo.BT FeeBT FeeIssuerCardThreadApplyNotes
0% 6 $0 $0 ? Bank of Kentucky Visa info Call to apply. Nationwide?
Business Cards - everywhere (?)
MaxFWAPRMo.BT FeeBT FeeIssuerCardThreadApplyNotes
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
MaxFWAPRMo.BT FeeBT FeeIssuerCardThreadApplyNotes
DEAD??
MaxFWAPRMo.BT FeeBT FeeIssuerCardThreadApply
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 linkapply (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 linkapply (Elan)
0% 12 $0 $0 US Bank Baylor Alumni card FW linkapply (Elan)
0% 12 $0 $0 US Bank Prof. Bullrider's Assoc. FW linkapply (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 linkapply 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 linkapplyapply
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_1app_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 linkApply
0% 12 $0 $0 Citi Premiere Pass FW linkapply
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 linkapply
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 linkapp_1app_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 linkapply
0% 6 $0 $0 Pulaski Iberabank Visa Platinum Rewards Card apply ....
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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.
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
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*.
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:
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.
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
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.
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.
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.
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!)
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 BT’s within the first twelve months have no fee.
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 BT’s 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.
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.
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.
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.
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:
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.
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.
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