Balance Transfer Cards

[breakdown1987]

Hello,

Can anyone provide any insight on what balance transfer cards are available?

I'm currently trying to BT $10-14k from a Discover Card to pay off over the next 12 months.

Current income is 100k. Credit Score 755. 

Current Cards - Discover 14,000/18,000 and American Express 0/40,000. 

Thank you! 

[AverageJoesCredit]

Bt cards are hard to come by nowadays. Any chance you qualify for Navy Federal where they have  $0 transfer fee. Credit Unions are good options. If you cant find a bt card with high enough limit , might need to try for a personal loan. Please add your current scores, aaoa, hps, etc. People will blindly offer advice on no dp on ones credit. Always best to share when asking for advice. thanks

Eta- saw a score but please all 3 ficos 

[vic6string]

The BB&T Bright card is a nice balance transfer card, and the best thing is they are one of the only ones left that actually still offer a pre-qualify tool on their website. Also, if you get the card from the pre-qualify site, there is no hard pull. I recently got their cash back card with a lower score than you, and a BK still showing on my report (older than 5 years, but still visible) and was given 7500. 

[Anonymous]

I'm going to second what AJC said - try a local CU.  My card with one of them is at a lower rate than ANY personal loan i've had, period.  and BTs are free. 

I'd BT from my personal loan to that card, but that jacks up my revolving utilization too much...

A personal loan might be the best bet.

[dlister70]

AMEX Everyday and Bank of America Americard are the two zero fee cards that I've balance transferred with.  I was going to try for a Chase Slate, but I'm over 5/24 and I've even heard that they're not issuing those cards anymore. 

Those are the three zero fee transfer cards that I've heard of.

[AverageJoesCredit]

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@dlister70 wrote:

AMEX Everyday and Bank of America Americard are the two zero fee cards that I've balance transferred with.  I was going to try for a Chase Slate, but I'm over 5/24 and I've even heard that they're not issuing those cards anymore. 

Those are the three zero fee transfer cards that I've heard of.

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Problem is starting limit. Amex supposedly only allows bts up to 5k. Op only has two cards so might be possible to get 2 bt cards. 

[breakdown1987]

Thanks for all the replies.

My average score is 755 - no lates, AAoA 7.5 years, income 100k. Only two CC's, Discover/American Express. 

Checked local CU including my current bank and no current offers. Also, not able to BT to AmericanExpress as they don't have any offerings to my current card. Going to look into BB&T and also Americard for now. Even if I don't get the full amount at least it will be something to offset some of the interest. Any other suggestions?

[Anonymous]

I agree it's alwasy going to be iffy in regards to your SL being enough to work with. As some have already mentioned you might do better with a CU, because witht ehm you can request what you want teh SL to be and go from there. With cold apping online you have to call to recon if you do not get a SL large enough to work with.

That said,  right now Citi is offering 21 month BT's on the Diamond preferred and the Simplicity. A Family menmber who's profile mainly consists of AU accounts with 714 Fico was only approved for $1,500. Which is pretty close to what i was approve for 3 years ago with a slighlty higher score at 740 and a thicker profile. So who knows. lol

It is a bummer Amex only allows $5K transfers, but I can see them wanting to limit risk. Especially of non swiped debt.

[FlaDude]

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@AverageJoesCredit wrote:

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@dlister70 wrote:

AMEX Everyday and Bank of America Americard are the two zero fee cards that I've balance transferred with.  I was going to try for a Chase Slate, but I'm over 5/24 and I've even heard that they're not issuing those cards anymore. 

Those are the three zero fee transfer cards that I've heard of.

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Problem is starting limit. Amex supposedly only allows bts up to 5k. Op only has two cards so might be possible to get 2 bt cards. 

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My personal experience is that Amex only allows 5k of BT no matter the CL, this was confirmed with a phone rep. @dlister70 identified the three major zero fee BT cards that I am familiar with, although some CUs offer them too. Beyond that expect 3-5% BT fees on most other cards. If you don't think you can PIF before the intro period ends, you might want to consider a loan. I got 2 loans at 6% (10k each) and one at 7 (20k) when my scores were similar to the OP.

[Anonymous]

Hmm, from the AMEX site it looks like the Everyday card no longer mentions anything about balance transfers, neither 0% APR nor zero fee period. Is this yet another casualty of the BT card scourge?

Would this mean that there are now no card offering a zero fee balance transfer period?