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Regular Contributor
my25reasons
Posts: 177
Registered: ‎12-16-2011

Re: Best BT card recommendations???

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‎10-18-2012 07:44 AM

I have 6 or so credit cards and honestly, the only card I can rely on to give me BT offers is Discover. They consistently have offers available. Occasionally I'll receive a BT offer on my chase amazon, which is all I use that card for due to it having a higher int. rate than my other cards. I recently moved a chase no name card over to the chase freedom, so I'm not sure if they'll send any offers through there. My Chase ink never gets bt offers and I opened a cap one cash rewards account expecting a bt offer, but not on there either.  I did app for the slate because of the no fee bt, so that seems like a good option as well, however there aren't many other useful perks to that card. Good luck!

In my wallet:
Discover More / Chase Amazon / Chase Freedom /Chase Business Ink / Chase Slate / Capital One Cash Rewards / Walmart Discover / Kohls / JCPenny / Home Depot / Art Van

Experian Direct PLUS scores: Experian 744/ Equifax 763/ TU 744
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Established Contributor
SwiftTone
Posts: 985
Registered: ‎02-27-2012

Re: Best BT card recommendations???

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‎10-18-2012 08:25 AM

Don't forget that you usually can't balance transfer within the same bank

BCE: $0/$8500, CSP: $15/$5000, Chase Priority Club: $0/$3500, Freedom: $0/$5000, Barclays NFL: $0/$7000 Discover: $0/$4750, Citi Dividend: $0/$2000 Cap1 x2 $0/$2250

EQ FICO - 07/2012: 699, 08/2012: 714, 10/2012: 729, 11/2012: 686, 12/2012: 723, 01/2013: 737, 03/2013: 725, 04/2013: 734, 05/2013: 736
EX FICO(AMEX) - 10/2012: 712
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Established Member
Elcid89
Posts: 354
Registered: ‎10-04-2012

Re: Best BT card recommendations???

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‎10-18-2012 08:46 AM - edited ‎10-18-2012 08:47 AM

+1

 

To my knowledge NFCU never charges an BT fee, and  balance transfers are at the same rate as consumer purchases. They are pretty much my favorite card. If you can qualify for membership, it's well worth establishing a relationship with them.

 

They have set membership criteria, which you can find here:

 

https://www.navyfederal.org/about/eligibility-checklist.php

FICO scores: 819 (EQ) 815 (EX) 803 (TU)

Amex Platinum NPSL - Citi HHonors Sig. $42k - BMW Ultimate $36k
Chase Sapphire Preferred $42k - Merrill Lynch + Signature $33k - USAA Rate Advantage $20k
NFCU Flagship Signature $33k - USAA Cash Rewards AMEX $20k
Citi Platinum Select / AAdvantage Signature $23k

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