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0% intro card?

IodineNightSky
Regular Contributor

0% intro card?

My wife’s disco 0% period is expiring and she wants a new 0% to BT. Scores are in 720-730 range. She burned chase and citi sons ago and they haven’t forgotten. I suspect she can get most other cards.

Anyone have a suggestion for a card with a 0% intro offer that works w BTs?
Current FICO 8s:
EQ: 659 - TU: 679 - EX: 673
Starting Score: 617
Current Middle Score: 673
Goal Score: 800


Message 1 of 10
9 REPLIES 9
APL247
Valued Member

Re: 0% intro card?

HSBC Gold Mastercard

18 months Intro on purchase and balance transfers

Amex everyday

15 months Intro on purchase and balance transfers
Message 2 of 10
woodyman100
Valued Contributor

Re: 0% intro card?

App for a second Discover card. You can have multiple

Now if you are trying to shuffle debt that’s on the discover you currently have, you’ll have to move it elsewhere first.

Can you join NFCU?

NFCU-BBVA-Discover-Idaho Central FCU-Capital One-Goldman Sachs (Apple)-Redstone-John Deere-Signature-EECU-BofA-AOD-Chase-Amex-Banco de Popular-Banco Do Brasil-Commerce-Truist-Citi-Synchrony-HSBC-USAA-Amegy-FNBO-Dell-Regions
Message 3 of 10
creditfan
Frequent Contributor

Re: 0% intro card?

bank of america

15 months

Message 4 of 10
wasCB14
Super Contributor

Re: 0% intro card?


@APL247 wrote:
HSBC Gold Mastercard

18 months Intro on purchase and balance transfers

Amex everyday

15 months Intro on purchase and balance transfers

I think Amex has a $5k limit on BTs...not sure how large a balance we're talking about.

Spend: BofA PR + WWFCR, BBP, Schwab Platinum, CFF+CF, Costco, Discover
Perks: IHG49, Hyatt75, Delta Platinum, "Old" SPG95
SD/AAoA Ballast: Arrival, CFU, DC
Upgrade/downgrade games: BCE, EDP
SUB: JetBlue, Amex Platinum
Mostly earning MRs and cash back as I use up hotel and airline points spread across several programs.
Message 5 of 10
mr_suave
Established Contributor

Re: 0% intro card?


@woodyman100 wrote:

App for a second Discover card. You can have multiple

Now if you are trying to shuffle debt that’s on the discover you currently have, you’ll have to move it elsewhere first.

Can you join NFCU?


+1!

 

This is exactly what I did recently. You just have to have had your disco for a year before you can get approved for another one. If you go for another disco, make sure you get the one that is offering 0% for 18 months with 3% fee. It’s hard to find it on their site but you can google around for the offer and it’ll come up. I found the offer through nerd wallet which then allows you to apply directly from discover.

 

Also if you need to move debt from Discover, you will need a card to park the debt on temporarily. If you have a cap 1 they offer no transfer fee BTs at your regular apr.

 

US Bank Platinum also offers 0% for 18 months as well. 

 

 

 

 

 

Amex Green NPSL, Amex Hilton Surpass 5k, Amex Marriott Bonvoy 1k, AMEX BBP 1k, AMEX Biz Cash 6k, BOA Cash Rewards 5k, BOA Better Balance Rewards 2k, Care Credit 15k, Chase Amazon Visa 19.825k, Discover 11.8k, Discover 12.5k, Nordstrom Store 4.5k , Fidelity Visa 10k, Cap 1 QS 15k, Cap 1 Savor 10.5k, Citi Rewards+ 4.4k, Citi DC 8k, Citi Advantage Platinum 5.5k, US Cash+ 3.5k, Altitude Reserve 12.5k, Paypal Mastercard 4k, Apple Card 6.5k, Wells Fargo Cash Wise 5k, BOA Premium Rewards 8k, Citi AA Biz 1.5k, Flexperks Biz 3k
Message 6 of 10
12velectronics
Valued Contributor

Re: 0% intro card?


@woodyman100 wrote:

App for a second Discover card. You can have multiple

Now if you are trying to shuffle debt that’s on the discover you currently have, you’ll have to move it elsewhere first.

Can you join NFCU?


NFCU has a 0% intro offer? Which card?

Message 7 of 10
Saeren
Mega Contributor

Re: 0% intro card?


@12velectronics wrote:

@woodyman100 wrote:

App for a second Discover card. You can have multiple

Now if you are trying to shuffle debt that’s on the discover you currently have, you’ll have to move it elsewhere first.

Can you join NFCU?


NFCU has a 0% intro offer? Which card?


Platinum 0% and $0 fee for BTs for 12 months but no intro purchase APR so it’s a transfer and SD until paid card. Still a steal with the $0 fee. 



Message 8 of 10
12velectronics
Valued Contributor

Re: 0% intro card?


@Saeren wrote:

@12velectronics wrote:

@woodyman100 wrote:

App for a second Discover card. You can have multiple

Now if you are trying to shuffle debt that’s on the discover you currently have, you’ll have to move it elsewhere first.

Can you join NFCU?


NFCU has a 0% intro offer? Which card?


Platinum 0% and $0 fee for BTs for 12 months but no intro purchase APR so it’s a transfer and SD until paid card. Still a steal with the $0 fee. 


So it must be a Balance Transfer for the 0% to be activated? No new purchases?

Message 9 of 10
Saeren
Mega Contributor

Re: 0% intro card?


@12velectronics wrote:

@Saeren wrote:

@12velectronics wrote:

@woodyman100 wrote:

App for a second Discover card. You can have multiple

Now if you are trying to shuffle debt that’s on the discover you currently have, you’ll have to move it elsewhere first.

Can you join NFCU?


NFCU has a 0% intro offer? Which card?


Platinum 0% and $0 fee for BTs for 12 months but no intro purchase APR so it’s a transfer and SD until paid card. Still a steal with the $0 fee. 


So it must be a Balance Transfer for the 0% to be activated? No new purchases?


Correct. Making new purchases on the card will be at regular full APR. More Rewards has 6 months at 1.99% on purchases only but none of their cards have a 0% intro purchase APR. 



Message 10 of 10
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