Your scores look good to get whatever you want, however, if BT is the goal ensure you are looking at long-term APRs. The Slate, Ring are designed for carrying balances while the BBR would be overkill for the $30 per quarter. PenFed and NFCU also have options for BTs (Promise and Platinum) and NFCU is offering 2.99% BT currently.
Your scores are fine. Since you are conservative in apping, I'd suggest going for the Discover card first. This gives you another bank to transfer to / from the BofA card. If you go for the BBR right now, you have two BofA cards and can't transfer directly between those.
Then, after a few months, apply for the BBR.
What other cards do you have that you are considering BT from / to?
@cj1132 wrote:I'm thinking about applying for a new balance transfer card and would like some input.
My current scores are TU 776, EX 770 and EQ 759. TU is clean and EX and EQ have a 5 1/2 yr old 30 day late. Util is at 15%, one inquiry on each bureau and my newest cards are 8 1/2 years old.
I am looking at BoA BBR card which does come as a prequal on my account when signed in. I have the Cash Rewards card, which does have BT offers but I like to use that card for my regular spend.
The other choice is Discover IT which shows the prequal online and via mailer as 11.24 - 14.24%. I realize that this isn't a solid prequal.
I also would like a Barclay RIng but don't think I really need it. Also prequal via mailer and online. Again not a solid prequal.
If I were to apply for one or more of these cards, is there a certain order I should do it? Also, if I decide to apply for Discover or Ring, should I put in the prequal code from the mailer?
Not in a rush and may not do this for a couple months or ever. I'm conservative when it comes to applying. Thanks!
IMHO the Ring is the best balance transfer card. Zero fee + low interest. With your TU score you shouldn't have a problem getting it.
