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Hey guys,
I haven't checked in here for a while so I hope everyone is doing well!
I'm currently looking for the best balance transfer card, which has no transfer fees and obviously has offers 0% APR for at least a good 12 - 15 months.
I have a $5,900 balance on my Barclaycard Arrival Plus™ World Elite MasterCard® card but the APR is a whopping 20.74%! Since my scores are in the high 700s, this APR is totally unjustified so I need to give them a call soon to lower that. I liked the card for the 50,000 bonus miles so I got it last year. But in the meanwhile, I want to move that balance out of there to a 0% so I can wipe it over the next couple of months without paying that insane interest.
Suggestions?
Thanks,
UM
Personal: American Express Platinum - NPSL | American Express Blue Cash Preferred - $15,000 | Chase Sapphire Reserve - $38,500 | Chase Amazon Prime Visa - $7,200 | Chase Freedom - $500 | Barclaycard Arrival+ - $18,600 | PenFed Platinum Rewards - $25,000 | PenFed LOC - $10,000 | Navy Federal Credit Union Platinum Visa - $25,000 | Navy Federal Credit Union LOC - $10,000 | Citi Double Cash - $12,170 | Citizens Cash Back+ - $8,650 | Citizens LOC Overdraft - $8,000 | Discover - $10,000 | Capital One Quicksilver One - $3,600 | Capital One Platinum - $750 | Valero - $600 | Dell - $3,000 | Lowes Advantage - $30,000 | Macys Amex - $25,000 | The Home Depot - $7,500 | Tourneau - $15,000
Business: American Express Business Platinum Card - NPSL | American Express Plum Card - NPSL | American Express SimplyCash Plus - $10,000 | American Express Gold Card - NPSL | Bank of America Cash Rewards - $100,000 | Capital One Spark Business - $54,000 | Chase Business Preferred - $34,000 | Chase Business Ink - $15,000 | PNC Bank Cash Rewards Visa Signature - $19,000 | PNC LOC $100,000 | BP Business Solutions - $1,500 | KeyBank Mastercard - $6,000 | Staples More Account - $3,500
Penfed, Navyfed, Alliant, insert any other good credit union here.
Avianca will do BTs at 0% APR 12 mnth for a $10 charge no matter the amount. Typical starting lines are 15-25k if your credit is good.
@Uncle_Money wrote:Hey guys,
I haven't checked in here for a while so I hope everyone is doing well!
I'm currently looking for the best balance transfer card, which has no transfer fees and obviously has offers 0% APR for at least a good 12 - 15 months.
I have a $5,900 balance on my Barclaycard Arrival Plus™ World Elite MasterCard® card but the APR is a whopping 20.74%! Since my scores are in the high 700s, this APR is totally unjustified so I need to give them a call soon to lower that. I liked the card for the 50,000 bonus miles so I got it last year. But in the meanwhile, I want to move that balance out of there to a 0% so I can wipe it over the next couple of months without paying that insane interest.
Suggestions?
Thanks,
UM
UM! Great to see you back here. I recently came back to see what was going on....
I do not have a suggestion for you, just wanted to say hello!
If you're under 5/24, why not Chase Slate?
Yes, I Agree, Chase Slate is one of the best BT cards on the market today.
Chase Slate offers 15 mos. 0% with $0 fee (introductory rate and fee)
Barclaycard Ring offers 15 mos. 0% and $0 fee (introductory rate, but $0 fee is on-going)
I would say go with Alliant right now.
If you cultivate a credit line with them you can be eligible for their 2.5% cashback visa signature later.
@Azza wrote:I would say go with Alliant right now.
If you cultivate a credit line with them you can be eligible for their 2.5% cashback visa signature later.
Do you know the credit score required for Alliant?
Look into the USAA Rate Advantage VISA. I just got approved and it is 18 months no interest and $0 balance transfer fee for first three months. Once the three months are up, normal balance transfer fees are the lesser of 3% or $200. I got approved for $25k with 11.65% APR.