topic Re: Need new 0% card but which? in Credit Card Applications

Need new 0% card but which?

PippiLongstockingWannabe — Sat, 18 Jul 2026 23:23:58 GMT

My Savor 0% is up in Oct. My MO is to use 0% as my everyday. I don't want to pay interest so it's the only real thing I care about. You can see what I have but apparently my mother added me to her Target as an AU so that's on at least one bureau. TCL is 60k and 25.6% util. I forget which bureau it was but it said AofA is 4y8m.

My EQ and EX have never been this high but I'm feeling paranoid that I'll get turned down or given a tiny CL. I need at least 5k CL to handle BT of whatever balance is left on my current 0% (Savor).

Part of the paranoia comes from not having gotten a CLI anywhere in a while despite requests.

My head is spinning from looking at cards but I'm attracted to the BankAmericard and WF Reflect for the 21m of 0% for purchase/BT. But, aren't bank cards harder to get? It's been decades since I had accts with those banks. I did have a mortgage with WFHM but had some late payment issues before I refi'd around 2022. But one assumes that it's not linked in the credit approval process in any way.

I have been reading various threads for info and answers but as I said, my head is spinning now and I think I need a "call a friend" lifeline.

1) Any thoughts or suggestions about these or other cards? Anecdotes about approval odds are appreciated.

2) I can't find that spreadsheet of cards and which bureaus they pull from. Did it go away?

3) Should I have backup choices in case I'm turned down with the first? Seems best to not have a bunch of pulls spread out over say a week vs a day or two.

PS, I'd really like a Visa so I can go to Costco lol but it's not a deal breaker. I'll live.

Re: Need new 0% card but which?

Varsity_Lu — Sat, 18 Jul 2026 23:34:48 GMT

Elan has the Zero+ card. 21 months 0% and some rewards and benefits. It's a Visa, too.

Re: Need new 0% card but which?

Vinjints — Sun, 19 Jul 2026 00:17:53 GMT

This spreadsheet?

Which Report Will They Pull, Part 3

Re: Need new 0% card but which?

FicoMike0 — Sun, 19 Jul 2026 00:34:23 GMT

Here's a list that might help,

https://www.doctorofcredit.com/list-of-0-apr-credit-card-offers/

Since most have bt fees, they're not really zero. The best rate I know of is navy,

https://www.navyfederal.org/loans-cards/credit-cards/cash-rewards.html

No bt fee at 1.99%. nice sub to. Navy tends to go big on cl.

You don't give your scores, income or dti. Those might help predict approval and likely limit.

Re: Need new 0% card but which?

RobertS2 — Thu, 23 Jul 2026 21:25:42 GMT

I'd try for BankAmericard/Wells Fargo Reflect/US Bank Shield first. They're the best 0% around, per WalletHub, unless you want rewards too - in which case, Freedom Unlimited is a good one. You could try to see what you're preapproved for first.

Re: Need new 0% card but which?

crystal626 — Fri, 24 Jul 2026 17:02:02 GMT

Personally I would go for the BofA Customized Cash Rewards that is offering a $200 bonus for spending $1K in the first 90 days along with 3% plus a first year 3% bonus on the category of your choice (which you can change monthly) as well as 2% at wholesale clubs (yes, it's a VISA, so it's a good Costco card) that also has a 15 month 0% APR on purchases and BTs.

https://www.bankofamerica.com/credit-cards/products/cash-back-credit-card/?campaign=4079538~DY~en_US