Balance transfer card, travel card options?!

[Anonymous]

Hi all! I haven't been on here in so long! My husband is looking for a balance transfer card, preferably with no fee. His balance is with Navy Federal, so that's out. He also travels with American Airlines at least once a week. I suggested discover and citi's American Airlines card. I know they also have a Barclays card now. But I'm not too familiar with it. His profile is flawless, 800ish credit score. Any suggestions on cards?! Thanks in advance. He's transferring a balance of around 20k. 

[NRB525]

To begin with, what other cards does he have?

[Anonymous]

Usaa platinum rewards, Kay jewelers, and nfcu platinum

[Anonymous]

I would say Discover.  BB&T has it but they charge a fee 4% i think.  BOA I think has it

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@Anonymous wrote:

Hi all! I haven't been on here in so long! My husband is looking for a balance transfer card, preferably with no fee. His balance is with Navy Federal, so that's out. He also travels with American Airlines at least once a week. I suggested discover and citi's American Airlines card. I know they also have a Barclays card now. But I'm not too familiar with it. His profile is flawless, 800ish credit score. Any suggestions on cards?! Thanks in advance. He's transferring a balance of around 20k. 

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[AverageJoesCredit]

What are his limits? AAoA? Its going to be hard trying to get a bt card with a limit to  handle 20k out of the gate. Id suggest a personsl loan.

[Anonymous]

25k on nfcu(1year) , 20k on usaa(2 years) and about 10k on Kay(6 years). 

[Gmood1]

Why not a 2nd Card with USAA? And or request a CLI on the current USAA CC.

Their CCs have BT offers that don't have transfer fees.

They tap out at $50k exposure the last I checked.

He could transfer a portion of the balance there.

App for another Navy Fed CC.

BT that balance back to Navy that was on USAA. Make sure he apps for a Navy CC with a good BT offer.

 Then BT the remaining balance off the original Navy CC to the USAA CC.

Do you follow?

[Anonymous]

I do follow. I don't see any current offers for BTs with usaa without any fees. I checked earlier. 

[Gmood1]

So the USAA doesn't have the 1.99% APR, no transfer fee offer?

Darn!

I currently have this on one of my USAA CCs. I was betting y'all would have it as well.

Another option,  join First Tech or a similar outfit and app for one of their CCs. Request a nice limit that can hold at least half that Navy CC balance. Some CUs allow you to request your limit instead of just rolling the dice.

And also app for a 2nd Navy CC.

First tech CCs go up to $100k in limits.https://www.firsttechfed.com/credit-cards/credit-cards

Shuffle the load around until the balances are under 0% or even 1.99%. Which is still lower than any standard credit card APR.

[Anonymous]

You guys may need to apply for multiple 0% cards if you don't get 20k right out the gate. Keep that in mind.