staci86 said:Perhaps we should retool this thread to focus on offers that, while not useful to those needing true 0% for rate arbitrage, are still useful to those who have a use for an annualized COF of around 2-3%.

As long as there is a capped or zero fee, I would be interested in including those kind.

devildoc said:cameron2003 said:staci86 said:Perhaps we should retool this thread to focus on offers that, while not useful to those needing true 0% for rate arbitrage, are still useful to those who have a use for an annualized COF of around 2-3%.

As long as there is a capped or zero fee, I would be interested in including those kind.
3% uncapped fee with 0% BT for a year is what staci89 is taking about I think.

Either way I guess. Annualized COF is what matters, as Staci points out.

mungbai said:I just opened a US Bank rails to trails and got hit with a $75 balance transfer fee. Going to call to see what's up.

Um, I'm looking at the Rails and Trails TOCs, and it looks like a $75 cap to me... and that probably explains why it was never listed on this thread. Why did you pick that one?

It was listed on the other one. I already have the Linux one. It was that or the Professional Bull Riders, since the rails and trails was newer, I thought I'd shoot for that one. I also saw the 75 fee when i just checked but don't remember it at the time I signed up.

VerbalK said:mungbai said:I just opened a US Bank rails to trails and got hit with a $75 balance transfer fee. Going to call to see what's up.

Um, I'm looking at the Rails and Trails TOCs, and it looks like a $75 cap to me... and that probably explains why it was never listed on this thread. Why did you pick that one?

startover said:jameshasty said:VerbalK said:I meant the 5/3rd Business card... the Southwest card still seems good. If you can find a Wachovia link, post it.

Wachovia Business Card link (12 months, 1.99% Max fee $99)

Wachovia Business Card

Can anyone confirm if Wachovia biz cards report to personal CR's?

What about 5/3rd?

Insurbank (5th Thrid)

Insurbank

They are really paranoid. I sent them my tax returns for the last two years and they are waiting for the IRS to confirm the data before they will approve the card. Four weeks and counting since I applied and it is still pending.

If you want more credit card links check out my AOR thread. The last post was less than two days ago.

Suntrust Visa CCs -

https://www.suntrust.com/portal/server.pt/community/credit_cards...

* 0% APR3 on purchases for the first 6 months after your account is opened
* For balance transfers made within the first 3 months after your account is opened, introductory 0% APR3 for 6 months starting with the month in which the first balance transfer is posted to your account
* No annual fee

There is a balance transfer transaction fee of $10 or 3% of the transaction. However, for Balance Transfers made within the introductory period, the maximum Balance Transfer Transaction Fee is $75.

GyuDaddy said:Is US Bank okay with having more than one card? I have a linux card with 15K limit and I plan on applying for a different card from them. Can you share your linux's and new card's credit line with us?

Yes, it's OK to have more than one card with US Bank. I once held three at a time: 2 personal, including Linux one, and 1 business. When I got the second card, within two months they closed the Linux card for me. They did give me a good CL on the second card.

i thought of making a little webapp that tracks the BT % and months, BT fee, offer expiration, link... but it seems like this isn't -too- difficult to deal with and could possibly be done in a google spreadsheet that is allowed to be edited by anyone... that way everything is in a uniform format and constantly updated in one place instead of manually at the top of the thread.

mike503 said:There are some BT cards with $0 BT fees and 0% APR? That seems insane. So far I've seen 3% at lowest?

EDIT: okay, looks like some have 3% but a max.

What's the best one this week? I'd prefer 12+ months, not 6 months. I'm trying to browse each one but it's information overload

How can someone drop you onto your own head?

mike503 said:VerbalK said:mike503 said:i thought of making a little webapp that tracks the BT % and months, BT fee, offer expiration, link... but it seems like this isn't -too- difficult to deal with and could possibly be done in a google spreadsheet that is allowed to be edited by anyone... that way everything is in a uniform format and constantly updated in one place instead of manually at the top of the thread.

What the hell are you talking about?

making an easily-updateable place for everyone to contribute instead of the original author having to keep up to date on adding more cards and eventually the offers expire, the author disappears, people discuss other offers for 20 pages, and someone like me who wants to know what is active -right now- is still stuck even with summaries at the beginning as much as people try to keep it up to date, it's still somewhat limited. forums aren't the ideal medium for this kind of information, but definitely for discussions. but this is somewhat structured data that would be nice to sort and filter on and be able to mark things if they end earlier than the date originally it was supposed to expire on. or additional instructions about the offer. or updates about the offer ("no longer offering $0 MT fee") etc.

thank you for the warm welcome though.

This thread has a more updated QS. BT cards
Thank the misguided posters with lofty views of the importance of keeping info from everybody else for scattering the data so it is hard to find.