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Balance Transfers ( Best Card)

Frequent Contributor

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??
Message 1 of 12
11 REPLIES
Regular Contributor

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!
Message 2 of 12
Frequent Contributor

Re: Balance Transfers ( Best Card)

Chase Slate

 

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

FICO EX 827, 2015 Feb; FICO EQ 836/900 (Citi), 2014 Dec; FICO TU08 818, 2015 Feb.

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

Message 3 of 12
Super Contributor

Re: Balance Transfers ( Best Card)

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).
Message 4 of 12
Valued Contributor

Re: Balance Transfers ( Best Card)

+1 Slate

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

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
Message 5 of 12
Frequent Contributor

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 | Marriott $65k | Local CU $8k
TU: 770 / EQ: 748 / EX: 769
Message 6 of 12
Valued Contributor

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. 

EX = 849 EQ = 850 TU = 850 as of 07/2017
Retired and Retiring Cards!
Message 7 of 12
Blogger

Re: Balance Transfers ( Best Card)

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. 

Message 8 of 12
Epic Contributor

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.

Message 9 of 12
Frequent Contributor

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!!
Message 10 of 12