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
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% 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% 12 3% $75 US Bank Rails to Trails apply (Elan)
0% 6 0 $0 Barclays Harvard World MasterCard (Alumni) apply terms as of 12/5/09
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% 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 linkapply
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 ....
Message edited by: VerbalK on 2010-02-03 15:00:20 CST
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
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*.
Edit: Spelling.
Message edited by: Corndogg on 2009-02-11 11:21:42 CST
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.
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