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0% Credit Card with signup bonus

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KS13
Established Member

0% Credit Card with signup bonus

Hey guys, 

 

 

Looking for a 0% credit card with the highest length of 0% and highest welcome spending bonus that will also give me a high credit limit. Current FICO scores are EXP 770 TRANS 775 EQUIFAX 781. 9% current credit usage ($10,003 CL used of  $106,600) with only one card high usage (chase slate with $8600 balance with $13k limit--taking advantage of a balance transfer offer). 1 HP (4/19/2015) on TRANS, 0 on EQUIFAX, 0 EXP. 

 

 

 

Current Credit Cards:

SEARS MC: $0/$5000

CITI DOUBLE CASH: $0/$7600

CHASE SAPPHIRE: $0/$10,000

CHASE FREEDOM: $0/$8000

CHASE SLATE: $8644/$13,000

AMEX BCE (AUTHORIZED USER): $482/$23,100

AMEX BCP: $0/$24,900

AMEX PLATINUM: $255/NPSL

BARCLAY ARRIVAL: $230/$5000

MACYS DSNB: $$679/$1500

 

Message 1 of 10
9 REPLIES 9
Anonymous
Not applicable

Re: 0% Credit Card with signup bonus

I'm inferring that with only 1 inquiry, you're within the 5/24 for Chase. It's not THE BEST 0% time length and it's not THE BEST sign up bonus, but you could go for Freedom Unlimited and if the limit is lower than you'd like, you could move some limit from one of your other Chase cards. Generally bonus vs. 0% time period is a trade off. If you don't want more with Chase, I think B of A has some 0% cards with sign up bonuses. Again, not stellar, but something. If you've got a business, Ink Cash. 

Message 2 of 10
KS13
Established Member

Re: 0% Credit Card with signup bonus

I've gotten several pre-qual mail offers for BofA, but how are there starting credit limits?

Message 3 of 10
Anonymous
Not applicable

Re: 0% Credit Card with signup bonus


@KS13 wrote:

I've gotten several pre-qual mail offers for BofA, but how are there starting credit limits?


I actually just got my first B of A card (the beige Plat Plus or whatever their basic balance transfer card is called). I had a pre-qual in the mail (theirs online isn't legit) with a good rate and longer terms than offered on the website. But I WAS a bit disappointed in the CL. I got $11k. I am asking for more, in uw now. While I'd like more, I'm okay with the super long term for now. (21 months) 

Message 4 of 10
Anonymous
Not applicable

Re: 0% Credit Card with signup bonus

Maybe Barclay ring or arrival for BT?

Message 5 of 10
Anonymous
Not applicable

Re: 0% Credit Card with signup bonus

21 months no interest with Citi Simplicity
Message 6 of 10
dragontears
Senior Contributor

Re: 0% Credit Card with signup bonus


@Anonymous wrote:

I'm inferring that with only 1 inquiry, you're within the 5/24 for Chase. It's not THE BEST 0% time length and it's not THE BEST sign up bonus, but you could go for Freedom Unlimited and if the limit is lower than you'd like, you could move some limit from one of your other Chase cards. Generally bonus vs. 0% time period is a trade off. If you don't want more with Chase, I think B of A has some 0% cards with sign up bonuses. Again, not stellar, but something. If you've got a business, Ink Cash. 


This

 

OP you need to decide which is more important since the cards with the best bonuses don't have the best (if any) 0% and the longest 0% rarely have good sign up bonuses (or even rewards)

Message 7 of 10
Anonymous
Not applicable

Re: 0% Credit Card with signup bonus

there's a $200 bonus off $500 spend with 0% intro apr for 12 mos. google "chase aarp 200 bonus". just sayin'. 

 

nvm. i clicked the apply now button and it said, offer unavailable. 

Message 8 of 10
Closingracer99
Valued Contributor

Re: 0% Credit Card with signup bonus

The most you'll get is around $100-$200 worth of points or CB along with 12-15 months of 0% APR. I believe the Chase freedom unlimited has a $150 UR points worth bonus along with a 15 month 0% APR

My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740
Message 9 of 10
SunriseEarth
Moderator Emeritus

Re: 0% Credit Card with signup bonus

You might also consider VentureOne's 20K mile bonus for $1K spend.  IIRC, Venture has a 40K mile bonus for $3K spend.  



Start: 619 (TU08, 9/2013) | Current: 809 (TU08, 3/05/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Discover IT $46000 | Disney Premier VS $43600 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $25000 | Synchrony Premier $24,200 | Sony Card VS $23750 | GS Apple Card WEMC $22000 | WF Active Cash VS $18,000 | Jared Gold Card $16000 | FNBO Evergreen VS $15000 | Citi Custom Cash MC $14600 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Amazon VS $12000 | Freedom Flex WEMC $10000 | Belk MC $10000 | Wayfair MC $4500 ~~
Message 10 of 10
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