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Frequent Contributor
HYPASS33
Posts: 326
Registered: ‎04-08-2013
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Balance Transfers ( Best Card)

Ok this question is for my sister who wanting transfer balances on some high interest cards. Who scores are over 730 and gets offers daily from Chase and others. What would be the best card with a low interest rate??
Regular Contributor
Trigga
Posts: 246
Registered: ‎12-14-2011
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Re: Balance Transfers ( Best Card)


HYPASS33 wrote:
Ok this question is for my sister who wanting transfer balances on some high interest cards. Who scores are over 730 and gets offers daily from Chase and others. What would be the best card with a low interest rate??

I just got the Citi TY card it had a 12month 0% apr for 12 months on BT also .....3% for BT fee though

WalMart 5k , Amazon 3.5k,Chase Freedom 1.5k , Citi TY 2k, Discover IT1.1k, HomeDepot 2.8k , Chase Slate1.5k , BofA cash rewards 1.5k, Lowes 12k , Kay Jewelers 3k , Gardening until 2015!
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oscar_actuary
Posts: 310
Registered: ‎03-25-2013
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Re: Balance Transfers ( Best Card)

Chase Slate

 

if they still have the 0% for over 12 months and no BT fee

FICO EX 807, 2014 Nov. FICO TU08 800, 2014 Oct.

BofA Cash Rwrds Sig V 2013 10k; Fidelity Rewards AmEx /BofA 2013 15.4k; Chase Freedom Sig V 2002 24.1k; Chase Amazon Rwrds Sig V 2011 8k; Sam's Club MC 2002 10k; Dscvr It 2012 10k; Citi Dvdnd Plat Sel V 2013 8.9k; PenFed Plat Rwrds V 2013 20k; AmEx Blue Sky 2013 11.3k; AmEx BCP 2014 24.1k; Priceline Rwrds Sig V 2013 8.7k; PayPal Xtras GE Cap Plat MC 2012 5k

Super Contributor
enharu
Posts: 7,132
Registered: ‎02-27-2013
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Re: Balance Transfers ( Best Card)

[ Edited ]
There's a 21 month no apr offer for the citi simplicity. There is a BT fee.

Chase slate has a 15 month no apr, no BT fee.

Other cards such as freedom has 15 months no apr, but there's a BT fee. The upside is that those cards have rewards structure as well
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Valued Contributor
SnackTrader
Posts: 1,566
Registered: ‎09-15-2012
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Re: Balance Transfers ( Best Card)

[ Edited ]
+1 Slate

0% for 15 months and $0 BT fee. Makes the most sense financially.

In My Wallet: Amex BCP (12/12) $22.200, Cap1 Quicksilver (6/12) $14,000, Chase CSP (4/14) $12,000, Barclaycard Rewards (5/13) $10,500, Citi Forward (12/12) $9,600, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
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revvystoke
Posts: 322
Registered: ‎02-02-2010
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Re: Balance Transfers ( Best Card)

I have a citi simplicity, they were offering 21 mos @ 0% but they charge a 3% fee. My discover card constantly advertises the same rates but with a 18mos term.

AkAir $50k | CSP $35k | Marriott $32k |SPG $15k | Fidelity $10k | Credit Union $8k | Discover $8k

TU: 733 / EQ: 717 / EX: 733
Valued Contributor
thom02099
Posts: 1,335
Registered: ‎08-30-2011
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Re: Balance Transfers ( Best Card)


HYPASS33 wrote:
Ok this question is for my sister who wanting transfer balances on some high interest cards. Who scores are over 730 and gets offers daily from Chase and others. What would be the best card with a low interest rate??

CITI Diamond Preferred MasterCard...frequently offers 15-18 months, no balance transfer fee, 0% APR for the promo period. 

Diners Club Premier MasterCard $50K / AMEX Gold NPSL / AMEX Zync NPSL / AMEX Blue Cash Preferred $14K / Bank of America Cash Rewards Signature Visa $15K / Merrill Lynch Plus Signature Visa $15K / Wells Fargo Propel 365 $15K / Chase Sapphire Preferred Signature Visa $10K / J P Morgan Select Signature Visa $10K / Chase Slate Visa $6K / CITI Diamond Preferred MasterCard $13.2K / Discover IT $10.5K / IberiaBank Select Visa $8K / 1st Command Bank Platinum Visa $7.5K // Home Depot $9.7K / Lowes $10K

EX = 799 EQ = 812 TU = 811 - 11/2014
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HiLine
Posts: 3,092
Registered: ‎10-19-2012
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Re: Balance Transfers ( Best Card)

[ Edited ]

For one-time balance transfers, the best cards have all been mentioned in this thread. Chase Slate, Citi Simplicity and Discover More/It in that order. 

For present and future balance transfers, Simmons First is very good. Many credit unions offer credit cards with no balance transfer fees and low balance transfer APR's as well. 

Epic Contributor
Creditaddict
Posts: 21,735
Registered: ‎10-23-2007
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Re: Balance Transfers ( Best Card)

with really good credit go to chase.com and check pre-qual... my partner got slate instant with 0% for 15 months and NO BT FEE!!

 

Same goes for Citicards.com pre-qual he got 18 months but 3% fee.

Fico Scores: EQ- 653 Cap1., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
65 Cards and Counting :smileytongue:
Frequent Contributor
HYPASS33
Posts: 326
Registered: ‎04-08-2013
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Re: Balance Transfers ( Best Card)

She called chase and told them what the BT was and how much and they approved her bit she forgot to ask how much!!

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