@Isacking97 wrote:I what to transfer about $350 to my discover and use the 0% APR offer for 12 month that they offer me
I what to keep using my Discover It Card (Thay don't accept AMEX everywhere), If I pay my current spending before the stamment cuts I will still get charged with interest?
As others have said, it's not best to put new purchases on a BT card. Still a lot of factors if you want to see what is ultimtely the lowest cost option.
Are there current balances on the AMEX and Discover, or will they be paid off when the intro period ends?
What will be the APR of the AMEX?
How much do you plan to spend on each card and will you carry a balance beyond the BT?
Thanks to info provided in this post I cancelled my BT to my new Chase FU. I don't want to get hit with that fee and I was planning on making a lot of purchases for 0% interest. I had no idea, nor was I explained during the app process (in person) that I would incur interest on new charges after the BT posted.
Thank you!
Must garden until 2/1/2022 to hit my goal AAOA. 
@SecretAzure wrote:Thanks to info provided in this post I cancelled my BT to my new Chase FU. I don't want to get hit with that fee and I was planning on making a lot of purchases for 0% interest. I had no idea, nor was I explained during the app process (in person) that I would incur interest on new charges after the BT posted.
Thank you!
You would pay the 5% BT fee for FU, but your purchases and BT APR would be 0% (according to website). We're only talking about a card that doesn't have a 0% APR intro for purchases.
@rooeez wrote:
@SecretAzure wrote:Thanks to info provided in this post I cancelled my BT to my new Chase FU. I don't want to get hit with that fee and I was planning on making a lot of purchases for 0% interest. I had no idea, nor was I explained during the app process (in person) that I would incur interest on new charges after the BT posted.
Thank you!
You would pay the 5% BT fee for FU, but your purchases and BT APR would be 0% (according to website). We're only talking about a card that doesn't have a 0% APR intro for purchases.
Thanks for the info lol. I'm just inpatient, I'll just pay down my original balanced card to almost empty before the BT goes through. But I was worried that I might not get 0% on new purchases. Thank you for clarifying though.
@rooeez wrote:
@Isacking97 wrote:I what to transfer about $350 to my discover and use the 0% APR offer for 12 month that they offer me
I what to keep using my Discover It Card (Thay don't accept AMEX everywhere), If I pay my current spending before the stamment cuts I will still get charged with interest?
As others have said, it's not best to put new purchases on a BT card. Still a lot of factors if you want to see what is ultimtely the lowest cost option.
Are there current balances on the AMEX and Discover, or will they be paid off when the intro period ends?
What will be the APR of the AMEX?
How much do you plan to spend on each card and will you carry a balance beyond the BT?
Discover I pay it off in full this week, Amex is about $400-$450
Amex is 17.74% but in april I will ask for a APR Reduction, Discover 18.49%, Visa 24.49% (This one was my first card, that why that APR)
Amex is my main card, and I don't carry a balace almost never!!
Discover I use it for dinning and places where they don't accept Amex.
@Isacking97 wrote:
@rooeez wrote:
@Isacking97 wrote:I what to transfer about $350 to my discover and use the 0% APR offer for 12 month that they offer me
I what to keep using my Discover It Card (Thay don't accept AMEX everywhere), If I pay my current spending before the stamment cuts I will still get charged with interest?
As others have said, it's not best to put new purchases on a BT card. Still a lot of factors if you want to see what is ultimtely the lowest cost option.
Are there current balances on the AMEX and Discover, or will they be paid off when the intro period ends?
What will be the APR of the AMEX?
How much do you plan to spend on each card and will you carry a balance beyond the BT?
Discover I pay it off in full this week, Amex is about $400-$450
Amex is 17.74% but in april I will ask for a APR Reduction, Discover 18.49%, Visa 24.49% (This one was my first card, that why that APR)
Amex is my main card, and I don't carry a balace almost never!!
Discover I use it for dinning and places where they don't accept Amex.
None of this really makes sense. $350 balance on Amex isn't all that much or worthwhile to transfer as you'll actually pay less in interest at $100/mo payments vs the upfront BT fee. 2nd you're playing with fire telling any other lender you need 0% for a $350 balance. Just leave things as they are, make payments, and just learn how to restrain yourself from spending more than you can afford to PIF for the time being.
If you can't afford it, don't buy it. 
I can pay it in full today, but I what to finance other expenses and take the Discover BT of 4.99% with no fees and pay it in 2 to 3 months (like some one told me is just 1.66 in interest) 1.66 * 3 = $4.98