0% balance transfers for existing cardholders?

[pdxmike]

Do any cards offer no fee/0% APR balance transfers for existing cardholders?

[Anonymous]

Yes plenty of them. My BOA, Citi and Discover cards constantly send me offers on a monthly basis.

Edit: Oops didn’t see the no fee. I think it’s a couple of them that send no fees but not many. I believe Capital One sends no fee BTs sometimes but that’s likely depending how good your credit is.

[pdxmike]

Is there a list of cards that offer balance transfer promotions to existing cardholders? I can only find lists of balance transfer offers for new cardholders.

[Anonymous]

I know both the Citi Diamond Preferred and Citi Simplicity do, as well as the Discover IT card. All you have to do is click the "Offers" or "Balance Transfer" tabs to see what you are eligible for. 

I have found that Citi and Discover tend to offer them a lot more frequently; which in theory is because these two lenders target customers who carry balances.

Good luck to you!

[Anonymous]

There is no concrete list for "current" card holders, it's all selective. You have to first have that CC to know whether you're eligible for it.

The only CC I know of with no BT fees at all, are the Amex ED and Barclay Ring card. As well as CU products. 

[K-in-Boston]

As for completely fee-free and 0% for existing (not new) cardholders, those are generally going to be targeted offers that are few and far between.  Navy Federal Credit Union and Comenity offer them to some cardholders from time to time.  As for 0% offers with a 2% to 5% fee, those are readily available on numerous credit cards.

[SouthJamaica]

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@pdxmike wrote:
Do any cards offer no fee/0% APR balance transfers for existing cardholders?

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I don't believe so.

I've never seen any institution offer 0 balance transfer fee and 0% interest to existing cardholders.

I've seen 0% interest to existing cardholders, and I've seen no balance transfer fee to existing cardholders, but I've never seen both together.

[Anonymous]

@K-in-Boston noted, both NFCU and Comenity (quite often with Sportsman Guide VISA) offer 0% and $0 fee BT offers.  I know because I have used both of them in the past.

[SouthJamaica]

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@Anonymous wrote:

@K-in-Boston noted, both NFCU and Comenity (quite often with Sportsman Guide VISA) offer 0% and $0 fee BT offers.  I know because I have used both of them in the past.

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Well just because I have never seen something, doesn't mean it doesn't exist

[frugal47374]

SDFCU offers me a 0% for six months check (no fee) to use any way I want, up to my credit limit.  I get an offer like that about once a year.  It could be used for a balance transfer, but is a bit better since it could be used for anything.