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0% APR and 0 BT Fee cards?

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Frequent Contributor

0% APR and 0 BT Fee cards?

After DW got shot down for Chase Slate, we researched more 0/0 CC's. Amex ED: out. Not eligible for SUB, dunno why. Arvest is geo-locked and RBFCU as well. No military affiliation. What other options are out there?
Kohl's $3K | Cap1 QS $2.5K | Target Redcard $1.8K | Citi DC $6.4K | Amex BCE $1K | Dick's ScoreRewards MC 10K | Amex ED $4.2K | Amex Schwab Platinum NPSL | Amex Schwab Investor 3K | Rakuten 2K | WF CashWise VS $11.3K | Discover IT $8.3K | Disco IT Miles (#2) 2K | Citizen's Bank Cashback Plus WMC $9.7K | Fidelity VS $9K | USBank Cash+ VS $9K | Cap1 VentureOne 16K | BBT Spectrum Cash Rewards VS 7.5K | BBT Cash Rewards #2 4.5K | BBT Bright 5K | BBVA ClearPoints 7.5K | PNC Cash Rewards 10.5K | BECU Cashback 19.5K | EX 705 | TU 731 | EQ 659
Business Credit ~ Amex BBP 4.8K | Amex BBC 15K | Amex Biz Gold NPSL | Amex Biz Green NPSL | US Bank Biz Cash 3K ~LOC's~ BECU 15K |
Message 1 of 14
13 REPLIES 13
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Established Contributor

Re: 0% APR and 0 BT Fee cards?


@Xatos wrote:
After DW got shot down for Chase Slate, we researched more 0/0 CC's. Amex ED: out. Not eligible for SUB, dunno why. Arvest is geo-locked and RBFCU as well. No military affiliation. What other options are out there?

Wow I cannot believe that you missed one of the best banks to do business with, Bank of America.

They have the Bank of America Bankamericard with 15 cycles at 0% with no BT fee if done in 60 days. Also for this bank there is no geo lock other than being living in the United States.

 

Although at first the card looks like it has no rewards that can be corrected later with a product change. Also the way it is structured encourages isolation of the BT from our normal purchases.

TU:758 06/19/20 Bank of America--EX: 776 06/10/20 Experian--EQ:810 09/25/18 Citi--Gardening since 07/02/20
Active:
Bank of America (Better Balance Rewards M, Cash Rewards WM, Cash Rewards VS), Blispay V, Capital One (Quicksilver VSC, Walmart WMC), Chase(AARP VSC, Amazon Prime VSC, Freedom VSC, Slate VC), Citi Dividend MC, Citizens GreenSense MC, Discover It C, FedEx Employee Credit Association V, FNBO Ducks Unlimited VS, HSBC Cash Rewards WMC, PenFed Platinum Rewards VSC, Synchrony Bank(PayPal Credit, PayPal 2% Cashback M), UMB Bank Simply Rewards V[Milford Federal], US Bank (Altitude Go VSC, Cash+ VSC)
Wishlist: AOD Signature, Bellco Colorado Rewards, EBates, Marvel, Nusenda Platinum Cash Rewards, PenFed Pathfinder, Security Service Power Travel Rewards, Vantage West Connect Rewards, Wells Fargo Propel
Message 2 of 14
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Regular Contributor

Re: 0% APR and 0 BT Fee cards?

Citi simplicity has 0% BT for 21 months if made within first four months and 0% purchases for 12 months. Although im not sure if you can PC it later others might know

Discover it: 8700
Amex BCP: 3600
22k student loan
Ficos 8's ~770
Inq: EX:2 EQ:1 TU:1
Message 3 of 14
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Frequent Contributor

Re: 0% APR and 0 BT Fee cards?

Bankamericard, Citi Diamond, and Citi Simplicity are among the best (in my opinion).

 

My original option was the Slate, but since Chase doesn't like my lol/24 status, I don't bother them Smiley Very Happy

[11 AMEX] 58.5k + NPSLs // [1 Cap One] 23.25k // [2 Discover] 15.9k // [2 Barclays] 10.15k // [3 Citi] 18.8k // [2 Chase] 24.5k // Amazon 6k
Starting FICO Scores: EQ 595, TU 625, EX 604 (01/14/15) w/ Total CL of $1.3k
Current FICO Scores: EQ 651, TU 660, EX 651 (04/05/20) w/ Total CLs of $169.1k
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Message 4 of 14
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Frequent Contributor

Re: 0% APR and 0 BT Fee cards?

@zerofire Oops forgot to include them since don't bank w/ them and they don't seem to like me or DW. Both of us were denied shortly before I found MF and reasons were insufficient reference and limited deposits w/ us. Will probably reapply at some point after we open an acct. We're looking for 0% APR with 0 BT fee specifically in that combination as a stand-in, just in case of emergency. Rather have and not need, than need and not have.
Kohl's $3K | Cap1 QS $2.5K | Target Redcard $1.8K | Citi DC $6.4K | Amex BCE $1K | Dick's ScoreRewards MC 10K | Amex ED $4.2K | Amex Schwab Platinum NPSL | Amex Schwab Investor 3K | Rakuten 2K | WF CashWise VS $11.3K | Discover IT $8.3K | Disco IT Miles (#2) 2K | Citizen's Bank Cashback Plus WMC $9.7K | Fidelity VS $9K | USBank Cash+ VS $9K | Cap1 VentureOne 16K | BBT Spectrum Cash Rewards VS 7.5K | BBT Cash Rewards #2 4.5K | BBT Bright 5K | BBVA ClearPoints 7.5K | PNC Cash Rewards 10.5K | BECU Cashback 19.5K | EX 705 | TU 731 | EQ 659
Business Credit ~ Amex BBP 4.8K | Amex BBC 15K | Amex Biz Gold NPSL | Amex Biz Green NPSL | US Bank Biz Cash 3K ~LOC's~ BECU 15K |
Message 5 of 14
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Community Leader
Mega Contributor

Re: 0% APR and 0 BT Fee cards?

Get a Comenity Visa card if you 0 Bt fee. Might not get offer off the bat but i hear they do give them. Almost nobody offers 0 bt fee after initial approvalSmiley Wink
Message 6 of 14
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Established Member

Re: 0% APR and 0 BT Fee cards?

Are you already a Discover/Cap1 Biz cardholder? Discover may do a 0% APR promo if you give them a call. Cap1 biz is offering me a 0% APR BT (2% fee) currently. Can't hurt to try giving any of your other cards a call and seeing if you have any promotions or anything. 

Message 7 of 14
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Frequent Contributor

Re: 0% APR and 0 BT Fee cards?


@zerofire wrote:

@Xatos wrote:
After DW got shot down for Chase Slate, we researched more 0/0 CC's. Amex ED: out. Not eligible for SUB, dunno why. Arvest is geo-locked and RBFCU as well. No military affiliation. What other options are out there?

Wow I cannot believe that you missed one of the best banks to do business with, Bank of America.

They have the Bank of America Bankamericard with 15 cycles at 0% with no BT fee if done in 60 days. Also for this bank there is no geo lock other than being living in the United States.

 

Although at first the card looks like it has no rewards that can be corrected later with a product change. Also the way it is structured encourages isolation of the BT from our normal purchases.


Amex EveryDay® Credit Card  (appears to have the same as BoA) - No Annual Fee¤

$0 Balance Transfer Fee Offer¤ + Earn 10,000 Membership Rewards® Points†after you use your new Card to make $1,000 in purchases in your first 3 months.†

$0 Balance Transfer Fee. Balance transfers must be requested within 60 days of account opening.

0% intro APR on purchases and balance transfers for 15 months, then a variable APR, 14.99% to 25.99%.

** Copied directly from AMEX site.***




RIP: EECU PLOC | BBVA PLOC | Chase SP | Chase Amazon | Chase Freedom | WF Propel | Cap1 QS | AMEX Gold
Message 8 of 14
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Established Contributor

Re: 0% APR and 0 BT Fee cards?

Like others have mentioned, give Citi a try. What's good about them is they have a pre-approval link on their website, so you'll know if you even have a chance or not. Discover has one as well. 

I think I've found the sacred map that may lead me to this garden everyone keeps talking about.



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Message 9 of 14
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Moderator

Re: 0% APR and 0 BT Fee cards?

Comenitys AKC Visa offers me 0% for a period of time on BTs with 0 transfer fees. You may have to open and have it for awhile before said offers come.

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Message 10 of 14
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