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 (?)
Max FW
APR Mo. BT Fee BT Fee Issuer Card Thread Apply Notes
0% 12 2% $75 Chase Disney Rewards apply
0% 12 2% $75 Chase OptionsXpress Platinum Visa apply
0% 12 $0 $0 Citi Professional apply 15K TYPs after 1 purchase, low CLs recently, appears on CR.
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
0% 12 $0 $0 US Bank Sons OF Norway apply
0% 12 $0 $0 US Bank African Wildlife Foundation apply
0% 12 $0 $0 US Bank Rails to Trails apply
0% 12 4% $79 Wachovia Visa Platinum FW link apply by phone or need an account (?)
0% 12 3% $75 Barclays Coast to Coast Visa apply
0% 12 3% $75 Barclays Rec Rewards apply
0% 12 3% $75 Barclays Good Sam Club apply
0% 9 3% $50 Barclays Priceline Visa apply
0% 6 $0 $0 Nat City Lifespring Health apply
0% 6 $0 $0 Nat City Quilter's Rewards apply
0% 6 5% $60 RBS Citizen's Bank Platinum MasterCard apply
0% 6 1% $30 RBS People's United Bank card apply
0% 9 3% $150 StateFrm State Farm Good Neighbor FW link apply Pulls all 3 bureaus - apply before other cards
0% 6 $0 $0 Citi Home Rebate Platinum Select apply
0% 6 $10 $0 5th 3rd 1st Southwest bank apply - worked in Sept 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% 12 3.5% $99 5th 3rd Fifth Third Bank Platinum apply Might try InsurBanc or CUs; or 1st Southwest above
0% 6-9 3% $99 W. Fargo Visa Platinum apply Must be W.F. customer to apply online, else visit branch
0% 6 $0 $0 ? Bank of Kentucky Visa apply Online app, but a rep will contact within one business day
0% 12 $0 $0 Banco Popular Bota y Cambia offer link Open in branch, must close account from which you are BT'ing
Business Cards - everywhere (?)
Max FW
APR Mo. BT Fee BT Fee Issuer Card Thread Apply Notes
0% 13 $0 $0 Citi CitiBusiness Card with TYN app_1 app_2 No CLR between Citi BIZ. 15K TYPS after 1st purchase
0% 10 $0 $0 Citi CitiBusiness Card Platinum Select apply No CLR between Citi BIZ.
0% 10 3% $99 Barclays BankAtlantic Business Card apply Pulls TU | Look for CC link
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 - denied for CA
DEAD??
Max FW
APR Mo. BT Fee BT Fee Issuer Card Thread Apply
0% 10 $0 $0 BofA Platinum Plus (12 months) FW link call 1-800-932-2775, ask for offer code FAATCY (expired)
0% 10 $0 $0 Xceed CU Xceed Financial Platinum FW link apply
0% 10 3% $50 Barclays I Fly America card apply
0% 12 3% $75 Barclays Juniper Business Card apply
0% 13 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 Can no longer consolidate CL between Citi BIZ.
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 May still be alive via phone, check FW thread
0% 6 $0 $0 Pulaski Iberabank Visa Platinum Rewards Card apply May require income docs; reportedly a difficult issuer ....
~3% LIFE 2.5% $100 PFCU Platinum Cash Rewards apply Don't apply if utilization is >40% or have "baddies." --- now 4.9% for 24 months.
0% 12 $0 $0 Citi Diamond Preferred FW link Apply May be a ann. fee soon
0% 10 $0 $0 Citi Premiere Pass FW link apply
0% 10 2% $30 BofA NEA Platinum Plus apply
