Any recommendations for a card with 0% intro rate and that come with a bonus offer for spending X amount in the first few month?
Thanks
Starting Score: 703
Blue Cash EveryDay and Cash Magnet are both showing 0% for 15 months and $200 for $1k spend.
Blue Cash Preferred 0% for 12 months and $300 for $1k spend. ($95 annual fee.)
EveryDay 0% for 15 months and 10,000 MRs for $1k spend.
EveryDay Preferred 0% for 12 months and 15,000 MRs for $1k spend. ($95 annual fee.)
Higher SUBs may be available via incognito or targeted offers.
@Remedios wrote:A lot of them do.
Have you done any research on your own to narrow down possibilities?
Are you planning on using the card after 0% promo expires?
What are your scores? Cards you currently have? Any lenders you burned?
Negatives on CR?
It's for my parents and no I haven't looked much. Thought I'd check here as you all are much more in touch with current offerings.
I think their best route would be something like the sapphire preferred and then a good balance transfer card as they're doing home renovations but they seem wary of two cards for some reason.
Both my parents are 800 FICO range
@Remedios wrote:
@drsmith wrote:
@Remedios wrote:A lot of them do.
Have you done any research on your own to narrow down possibilities?
Are you planning on using the card after 0% promo expires?
What are your scores? Cards you currently have? Any lenders you burned?
Negatives on CR?
It's for my parents and no I haven't looked much. Thought I'd check here as you all are much more in touch with current offerings.
I think their best route would be something like the sapphire preferred and then a good balance transfer card as they're doing home renovations but they seem wary of two cards for some reason.
Both my parents are 800 FICO range
Well, BTs are tricky, depending on the amount.
They may need more than one 0% card, depending on the amount.
Are they members of any CU by any chance
They are of a few local ones
@Remedios wrote:Honestly I'd skip BT game and if your parents dont have any applications in the last year, I'd have them apply for US Bank Platinum, because they would get 20 months with 0% apr.
If they apply for CSP first, run up the bill, then need multiple cards to cover BTs, denials are quite possible, and they might end up stuck with at least partial balance on CSP.
Do they have any existing cards with BT offers on them?
It's kinda hard to guess what they could do without knowing what they have.
I very much doubt they have any kind of cards with offers like that. They're not really credit card people. Just basic cards for basic stuff
