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Frequent Contributor
Posts: 327
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
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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!
Frequent Contributor
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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

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Super Contributor
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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
Posts: 1,597
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) $32,000, 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

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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.

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Valued Contributor
Posts: 1,425
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 = 818 EQ = 822 TU = 830 - 01/2015
Blogger
Posts: 3,348
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
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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.

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Frequent Contributor
Posts: 327
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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