Are you getting BT offers from Discover?

[Anonymous]

I used to get 0 fee 0% mailers ALL the time, but they have been non-existent for months now.

This is the main feature I'm looking for in my next new trendlines.

Recently picked up Penfed PCR after reading that their 0% BT offers are always available through the phone.

What other cards have this? Thanks.

[FinStar]

You can contact Discover to see if there are any other offers available that may not be displayed online or via snail mail.

 The last time I checked, they were available on both of my Discover accounts.

 I've also received them from PenFed, Citi, FNBO, BoA, etc.

[Anonymous]

---

@FinStar wrote:

You can contact Discover to see if there are any other offers available that may not be displayed online or via snail mail.

 The last time I checked, they were available on both of my Discover accounts.

 I've also received them from PenFed, Citi, FNBO, BoA, etc.

---

Can you confirm Penfed always has these available?

BoA has been pretty consistent for me too, with Citi I only get the Flex offer for purchases which is useless to me.

Dont have FNBO will look into it.

[Remedios]

I got them two months ago, they been gone for me for over 18 months.

Don't need them, they are also pretty bad as far as BT offers go, but I feel slightly less like Discover's red-headed step child 

[FinStar]

---

@Anonymous wrote:

---

@FinStar wrote:

You can contact Discover to see if there are any other offers available that may not be displayed online or via snail mail.

 The last time I checked, they were available on both of my Discover accounts.

 I've also received them from PenFed, Citi, FNBO, BoA, etc.

---

Can you confirm Penfed always has these available?

BoA has been pretty consistent for me too, with Citi I only get the Flex offer for purchases which is useless to me.

Dont have FNBO will look into it.

---

PenFed, IME, has always had them since I became a member in 2015.  They have offered them periodically amongst all products.

[Anonymous]

---

@Remedios wrote:

I got them two months ago, they been gone for me for over 18 months.

Don't need them, they are also pretty bad as far as BT offers go, but I feel slightly less like Discover's red-headed step child 

---

Curious why you think their BT offers are pretty bad, can it get better than $0 fee 0%?

Who do you use for BTs?

[Remedios]

9 months with 5% is pretty bad. 

5% fee with 4.99% is very bad.

If someone has a significant balance to transfer, 9 months probably won't cut it, so they will probably need to chase another BT in a very short amount of time. That's on top of 5% fee. 

5% fee with 4.99 % apr under same circumstances would be a very costly option. 

Of course, for those who are desperately needing them it's better than paying interest, but on a face value, these are somewhat losing propositions. 

There are others who still get 3% fee one, and 4.99% without a fee, but that's not what they offered me. 

If/when I need BT, I'll go CU route. 

[Anonymous]

---

@Remedios wrote:

9 months with 5% is pretty bad. 

5% fee with 4.99% is very bad.

If someone has a significant balance to transfer, 9 months probably won't cut it, so they will probably need to chase another BT in a very short amount of time. That's on top of 5% fee. 

5% fee with 4.99 % apr under same circumstances would be a very costly option. 

Of course, for those who are desperately needing them it's better than paying interest, but on a face value, these are somewhat losing propositions. 

There are others who still get 3% fee one, and 4.99% without a fee, but that's not what they offered me. 

If/when I need BT, I'll go CU route. 

---

Agreed those are pretty trash.

[Anonymous]

Both of my cards have offers but they're not that great. 

[ZackAttack]

---

@Remedios wrote:

9 months with 5% is pretty bad. 

5% fee with 4.99% is very bad.

If someone has a significant balance to transfer, 9 months probably won't cut it, so they will probably need to chase another BT in a very short amount of time. That's on top of 5% fee. 

5% fee with 4.99 % apr under same circumstances would be a very costly option. 

Of course, for those who are desperately needing them it's better than paying interest, but on a face value, these are somewhat losing propositions. 

There are others who still get 3% fee one, and 4.99% without a fee, but that's not what they offered me. 

If/when I need BT, I'll go CU route. 

---

Well, my first discover card has different types of the offer than yours. My first discover card is giving me 5% BT Fee w/ 0% APR on 12 months and 0% BT Fee and 6.99% APR on 18 months; at the moment.

Second card is still too new.