Balance transfer cards with highest limits?

[mc1925]

Looking to transfer about $6k in balances to a 0 percent card. Goal is to pay off the debt within the transfer period without adding any new debt.  Other card benefits don't really matter.

My Fico scores are 760+ from all three bureaus. Clean profile with no late payments, collections, or other issues. No mortgage or housing payment.  Recently paid off car loan. Existing card limits are $9,500 to $12,000. Overall utlization of 18 percent.

I'm open to other suggestions, but I'm looking at Citi Diamond Preferred and Wells Fargo Reflect for their 21 months at 0 percent. Which is likely to offer a higher initial limit? Citi has the better transfer fee at 3% versus 5% for WF. My concern with Citi is user reports by people with solid credit getting approved for as little as a $500 limit. I don't want an inquiry and a new card that won't actually be useful in my circumstance. Thoughts?

[pizzadude]

Moved to Credit Cards

[CreditCuriosity]

Wells Fargo you would get likely a better limit than Citi card.  Also consider BofA card as well as they have one for BTs and many credit unions as well are out there that offer 0% for x months.

[Kforce]

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@CreditCuriosity wrote:

Wells Fargo you would get likely a better limit than Citi card.  Also consider BofA card as well as they have one for BTs and many credit unions as well are out there that offer 0% for x months.

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^^^^ Agree with @CreditCuriosity ,  Wells Fargo or BofA.

Had very conservative credit lines from Citi.

A 21 month, with equal payments would be (~$280--$300)  month, and cost $240--$300 fee

Another thought would be a platinum card from Navy for 12 months with zero BT fee and 0.99% rate.

With ~$500/mo payments, loan would cost ~$32.

If you can't swing the larger payments with the above ~$300/mo for 12 ($42 int), then the cards average APR of ~14% for 9 more on the balance of  $2,443, you would only lose another ~$139, for a total cost of ~$181.  Even with the highest APR of 18% total cost  = ~$220.

Less than a  21_mo with 4%-5% Fee.

Alliant also has a 2% transfer fee, 12/month zero card.

[JamesS84]

It’s hard to tell with any certainty. All the dumb issuers won’t disclose limits. I’d focus on getting the best terms rather than anecdotal credit limits.

[Total_Synergy]

Welcome @mc1925. With your good profile (even with the higher CU) you might also get a high SL on the USBank Shield CC.