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0% Balance Transfer Fee

Established Contributor

0% Balance Transfer Fee

Does anyone know the best way to score a BT with no transaction fee? I have a BOA card with a BT offer and I am looking to transfer a high balance from PSECU to BOA because my BT rate runs out at the end of this year. The rate goes from 2.9% to 9.9% on a $14k balance. Any ideas on how to handle this? I thought about transferring it out to another lender. Thanks.

6 REPLIES
Valued Member

Re: 0% Balance Transfer Fee

Many Credit Unions do not charge BT fees (NAVY 0% promo ends 2/28/13) Chase Slate doesn't charge a BT fee within 60 days of account opening and Barclay Ring does not charge a BT fee but isn't 0%  interest.

Amex Green, Signal FCU Platinum Visa, Navy FCU Cash Rewards Visa Sig., Citi Forward Visa, Barclaycard Apple Financing Visa
Regular Contributor

Re: 0% Balance Transfer Fee

Chase Slate is your best option right now, no BT Fee, no interest for 15 months...

BOA Cash Rewards Visa Sig. 12K; BOA Travel Rewards Visa Sig 5K, US Bank Cash+ 11.5K, AMEX BCE 6200, AMEX BLUE Sky 7K, Chase Freedom Visa Sig. 5400, Fort Knox FCU Visa Platinum 2500; CAP ONE Cash Rewards WORLD MC 5K

Starting Score: 580
Current Score: 747
Goal Score: 800+


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Established Contributor

Re: 0% Balance Transfer Fee


ukimafija wrote:

Chase Slate is your best option right now, no BT Fee, no interest for 15 months...


he already has one in his siggy... i guess he could PC it to a Freedom and apply for another Slate if need be... or most cards from Citi offers 1 year free BT


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Valued Contributor

Re: 0% Balance Transfer Fee

That Slate offer looks new, or at least I didn't find it when I was looking a few months ago. This is excellent news for my family members!

In My Wallet: Amex BCP (12/12) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015
Epic Contributor

Re: 0% Balance Transfer Fee

Wont be 0% to transfer but how about back to Discover with the new it!?

 

Navy offers the 0% transfer fee and currently still have the 0% interest for 12 months.

 

I prefer to look to the longest BT I can find though.... I think Slate at 18 is pretty much longest these days, Citi use to have the 22 months.  Miss the days of 2.9 for life over at Chase (3.9,4.9 were more common)

Valued Contributor

Re: 0% Balance Transfer Fee

Slate looks like its back down to 15 months unfortunately.

In My Wallet: Amex BCP (12/12) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015