topic Re: Highest Limit Balance Transfer Cards in Credit Cards

Highest Limit Balance Transfer Cards

CenturionBound — Sat, 23 Sep 2023 17:09:15 GMT

Hi all,

I am looking for the highest limit BT card available with 3% BT fee or less.

Right now i've been with WF, BofA and Chase for over 10 years each. Credit is 740+, Income is high.

Just took out 23k BofA BT card 2-3 months ago

I have 5 Chase cards (CSR, Freedom, Freedom Unlt, Ink Preferred, and Ink Bold/Plus) with total combined limits of around 30-40k for personal and 30-40k for business

No WF ccards

Any recommendations on which card/bank to go with? Thanks in advance!

Re: Highest Limit Balance Transfer Cards

SouthJamaica — Sat, 23 Sep 2023 17:14:12 GMT

@CenturionBound wrote:
Hi all,

I am looking for the highest limit BT card available with 3% BT fee or less.

Right now i've been with WF, BofA and Chase for over 10 years each. Credit is 740+, Income is high.

Just took out 23k BofA BT card 2-3 months ago
I have 5 Chase cards (CSR, Freedom, Freedom Unlt, Ink Preferred, and Ink Bold/Plus) with total combined limits of around 30-40k for personal and 30-40k for business
No WF ccards

Any recommendations on which card/bank to go with? Thanks in advance!

I would go for a credit union non-rewards platinum card with no balance transfer fee.

Re: Highest Limit Balance Transfer Cards

hdporter — Mon, 25 Sep 2023 04:42:23 GMT

@SouthJamaica wrote:
I would go for a credit union non-rewards platinum card with no balance transfer fee.

Not a terrible recommendation. However, most of the CU's that have no balance transfer fee don't feature intro bt rates on their cards. An exception is Navy Federal -- one of the best bt offers to be found, the have a 12-mo 0% rate with no bt fee. However, there's no "association" membership door to this CU. You must be a vet, or directly link yourself to one. Could be a modest hurdle to clear, but likely well worth it based upon other CU benefits.

Re: Highest Limit Balance Transfer Cards

SouthJamaica — Mon, 25 Sep 2023 13:39:26 GMT

@hdporter wrote:
@SouthJamaica wrote:
I would go for a credit union non-rewards platinum card with no balance transfer fee.
Not a terrible recommendation. However, most of the CU's that have no balance transfer fee don't feature intro bt rates on their cards. An exception is Navy Federal -- one of the best bt offers to be found, the have a 12-mo 0% rate with no bt fee. However, there's no "association" membership door to this CU. You must be a vet, or directly link yourself to one. Could be a modest hurdle to clear, but likely well worth it based upon other CU benefits.

BECU usually has zero percent promo.

Most have promotional intro rate, typically 2.99%.

Re: Highest Limit Balance Transfer Cards

CenturionBound — Mon, 25 Sep 2023 16:12:34 GMT

Thank you! However i tried both BECU and Navy Fed (member of both) and didnt get approved at BECU and got a 500 limit for Navy Fed. 500 is worthless to me unfortunately.

Re: Highest Limit Balance Transfer Cards

ptatohed — Tue, 26 Sep 2023 06:22:11 GMT

I don't know about "high limits" but the Disco Balance Trans card offers 3% fee, 18 months at 0%, and a great 5% rotator card after you are done paying her off.

https://www.discovercard.com/application/website/ratesrewards?srcCde=GH4D&2&irgwc=1&gclid=_uobffkeoj0kfdljcqlfimxch632xb3ww6wq6uxxd00&sid=03510222&pid=170911&aid=568217&source=Affiliates&sku=102

Re: Highest Limit Balance Transfer Cards

SouthJamaica — Tue, 26 Sep 2023 15:25:23 GMT

@ptatohed wrote:
I don't know about "high limits" but the Disco Balance Trans card offers 3% fee, 18 months at 0%, and a great 5% rotator card after you are done paying her off.

https://www.discovercard.com/application/website/ratesrewards?srcCde=GH4D&2&irgwc=1&gclid=_uobffkeoj0kfdljcqlfimxch632xb3ww6wq6uxxd00&sid=03510222&pid=170911&aid=568217&source=Affiliates&sku=102

Question: how is the "balance transfer card" different than the "cash back card"?