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The Platinum Preferred MasterCard by American Heritage Federal Credit Union charges 4.99% APR for a 6 month introductory period on balance transfers and new purchases also with no balance transfer fee. The 4.99% APR continues on existing balances up to 24 months after the grace period.
If you have a large debt or multiple debts that you can pay off within 24 months, American Heritage may be a better solution than Valor because you can avoid balance transfer fees and pay down the principal debt faster for 24 months. The ideal situation would be to use Chase Slate and/or American Heritage first and then roll any remaining balance to Valor with the 5.99% rate. Visa Premier Cash Credit Card by Valor Credit Union. 5.99% APR for the entire life of your transferred balance with no transfer fee.
The easiest and cheapest way to become eligible for a Valor Credit Union membership is by joining the American Consumer Counsel (ACC). It’s open to anyone that’s made a major consumer product purchase, from apparel to medical services. And Valor Credit Union offers a promotional code that will waive the application fee for the ACC.
OPTION 1
BARCLAY RING 8% APR
or NASA lifetime 8% APR
$10,000 balance transfer
24 monthly payments of $452
$855 in fees. (8% interest charged)
--------------------------------------------------------------------------------- 2 years carrying a balance (24 months total)
$855 total fees
OPTION 2
DISCOVER IT 0% intro for 12 months
or FNBO 0% Intro for 12 months
$10,000 balance transfer
12 monthly payments of $416
$300 in fees. (3% balance transfer fee)
DISCOVER IT 0% intro for 12 months
or FNBO 0% Intro for 12 months
$5,008 balance transfer
12 monthly payments of $416
$150 in fees. (3% balance transfer fee)
----------------------------------------------------------------------------------------- 2 years carrying a balance (24 months total)
$450 total fees.
OPTION 3
American Express Blue Cash 0% intro for 15 months
$10,000 balance transfer
15 monthly payments of $416
$300 in fees. (3% balance transfer fee)
US Bank Cash+ 0% intro for 9 months
$3,760 balance transfer
9 monthly payments of $417
$112 in fees. (3% balance transfer fee)
----------------------------------------------------------------------------------------- 2 years carrying a balance (24 months total)
$412 total fees.
OPTION 4
Chase Slate 0% intro for 15 months
$10,000 balance transfer
15 monthly payments of $416
$0 in fees
American Heritage Credit Union 4.99% 24 months
or Valor Credit Union lifetime 5.99%
$3,760 balance transfer
24 monthly payments of $156
$184 in fees. (4.99% interest charged)
——————————————————————————— 3 years carrying a balance (39 months total)
$184 total fees (American Heritage) $221 total fees (Valor)
Bourns Employees FCU Visa. Cash Back + As low as 4.99% APR
(Join California Consumer Council to gain membership)
Beach Municipal FCU VISA Platinum. As low as 5.24% APR
Apple FCU Visa Platinum. As low as 5.74% APR
Citizens Community CU VISA. As low as 5.74% APR
Long Island Community FCU VISA Platinum. As low as 5.74% APR
Premier FCU VISA Platinum with rewards. As low as 5.90% APR
University FCU great rate card. As low as 5.90% APR
(Join Longhorn Foundation to gain membership)
Evansville Teachers FCU Platinum Prime Plus. As low as 6.25% APR
Lake Michigan CU Prime Platinum. As low as 6.25% APR
Redstone FCU Platinum. 1.5% Cash Back. As low as 8.00% APR
