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Recommend a Balance Transfer CC

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poops
Contributor

Recommend a Balance Transfer CC

I'm looking to move some debt to a 0% credit card. I prefer a card offering a term of at least 18 months. Caveat - It has to be a non CITI card.

Message 1 of 10
9 REPLIES 9
shanac
Frequent Contributor

Re: Recommend a Balance Transfer CC

Discover has 0% APR on BTs for 18 months as well as 0% Intro on purchases for 6 months.

iPhone. iTypos. iApologize

Current Score: EQ FICO 764 TU FICO 776 EX FICO 753
Goal Score: 800
Message 2 of 10
Kenny
Moderator Emeritus

Re: Recommend a Balance Transfer CC

Slate or Citi Simplicity
Message 3 of 10
Stralem
Established Contributor

Re: Recommend a Balance Transfer CC


@poops wrote:

I prefer a card offering a term of at least 18 months.


I think the closest you're going to get is the 15 months being offered with Chase's Slate..

I Have Way Too Many of These.

American Express - No CLI or Appreciation Gift in 7 Years

Citibank - Handing Out Credit Limits Like Candy

Chase - Surprisingly, Still Tolerating My Credit-Chasing Ways

Bank of America - My Newest Bae.

Everyone Else.
Message 4 of 10
B335is
Moderator Emeritus

Re: Recommend a Balance Transfer CC


@Stralem wrote:

@poops wrote:

I prefer a card offering a term of at least 18 months.


I think the closest you're going to get is the 15 months being offered with Chase's Slate..


+1

 

BoA Better Balance Rewards gets you cash back, but 0% for only 12 months.  I wouldn't focus so much on the 18 month requirement though, Citi and BoA both send me nonstop offers for 0% on cards I've had for awhile.

Message 5 of 10
myjourney
Super Contributor

Re: Recommend a Balance Transfer CC

Barclay arrival also has 18 months at 0% BT 

Slate and Barclay both have a 3% BT fee

As far as use I think Arrival will be a better daily card @ 2X points 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 6 of 10
stlsme
New Contributor

Re: Recommend a Balance Transfer CC

Slate is the best straight BT card out there. No BT fees. 

EX: 844 EQ: 848 TU: 839
Message 7 of 10
myjourney
Super Contributor

Re: Recommend a Balance Transfer CC


@stlsme wrote:

Slate is the best straight BT card out there. No BT fees. 


For the first 60 days of account opening after that it's 3% 


After the BT is done Slate serves no purpose unless you need another BT card in the future in then like I said it's has fees

Just my opinion but this is one of the worst cards on the market .....rewards wise

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 8 of 10
angelcred10
Regular Contributor

Re: Recommend a Balance Transfer CC


@myjourney wrote:

@stlsme wrote:

Slate is the best straight BT card out there. No BT fees. 


For the first 60 days of account opening after that it's 3% 


After the BT is done Slate serves no purpose unless you need another BT card in the future in then like I said it's has fees

Just my opinion but this is one of the worst cards on the market .....rewards wise


+1

I'm using it and after transfer my CL to a Sapphire or my Freedom

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Message 9 of 10
thelethargicage
Valued Contributor

Re: Recommend a Balance Transfer CC

Chase Slate. Once it serves its purpose you can PC it to a Freedom.


Message 10 of 10
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