@lhcole77 wrote:
@DaveSignal wrote:I receive the offers as well. The transaction fee makes it at least a 3% BT. In addition to the rate, the main reason that I would never do it is because I actually use my BoA card for overseas transactions where I don't have higher rewards on other cards. If I was carrying balances, all of my purchases would lose their grace period and be charged the standard rate for purchases.
I usually wait for a 0% offer from NFCU (I don't use this card for anything else), then make whatever big purchases I have been waiting for on other rewards cards before transfering to NFCU for 0% financing. This is a great option if you can get into this CU.
I don't mind the 3% so much. Unfortunately I can't join NFCU but am hopeful that SDFCU will have some great offers in the future since they don't charge a BT fee.
SDFCU has offered me BT promotions as well. I am pretty sure that I have never received a 0% offer from them, though. If you have balances to transfer, BoA is a good deal and possibly your best option. Just make sure you don't use this card for ongoing everyday purchases though, because those will all get charged your full purchase APR from the date that they post.
EX:694 TU:744 EQ:777
Every week online.
Never 
I could use one too
Recently BofA has been pretty aggressive in pushing these balance transfer offers. If you wait till your current statement cycle ends, they will extend the promo interest rate period by another month, to March 2016.
I believe the balance transfer fee is 4%. Borrowing for 18 months at 4% total interest is a good deal if you ask me. There are plenty of ways to make a higher return than the balance transfer fee rate.
So if I obtain a BBR and transfer a balance then pay more than minimum does that ale it earn the 100 a year?
06/26/2014 - Gardening until 7/1/15
@leegreen wrote:
So if I obtain a BBR and transfer a balance then pay more than minimum does that ale it earn the 100 a year?
Yes! 