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

Re: Best BT card recommendations???

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
Established Contributor
Posts: 1,043
Registered: ‎02-27-2012

Re: Best BT card recommendations???

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

AMEX: $0/$25,000, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$6000, Barclays NFL: $0/$7000 Discover: $0/$14,000, Citi Dividend: $0/$3500

EQ FICO - 728
TU FICO - 743
Posts: 567
Registered: ‎10-04-2012

Re: Best BT card recommendations???

[ Edited ]



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:

FICO 04 scores: 809 (EQ) 812 (EX) 818 (TU)

Amex Platinum NPSL - Citi HHonors Sig. $58k - BMW Ultimate $40k
Chase Sapphire Preferred $62k - Merrill Lynch + Signature $41k - USAA Rate Advantage $28k
NFCU Flagship Signature $50k - USAA Cash Rewards AMEX $28k
Citi Platinum Select / AAdvantage Signature $31k - Chase Amtrak Rewards World MC $41k

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