Best Balance Transfer Card

[Colombiana79]

Hi All,

I'm looking for recommendations for a card I can transfer my Chase Freedom balance of $9000. Any cards that gives rewards would be awesome. I just make standard online and/or store purchases. I dont travel so travel points are not a need for me. I have a relationship with Chase already (Freedom and Prime) and also have a savings account with Navy Fed so any feedback on their cards would be good. But doesnt have to be one of theirs as well.

Any advice is appreciated! thanks

Edited 08/13/2025 - I literally opened the mail and recieved an offer from Navy Fed for their American Express. Thoughts?

[crystal626]

Navy Federal Platinum. 0% for 12 months on balance transfers and no fees. I would apply for that one first because everyone else normally recommended charges BT fees. That's a savings of $270+.

EDIT: It seems the offer is .99% for 12 months right now but that's still cheaper than 3+% fees up front.

[Colombiana79]

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@crystal626 wrote:

Navy Federal Platinum. 0% for 12 months on balance transfers and no fees. I would apply for that one first because everyone else normally recommended charges BT fees. That's a savings of $270+.

EDIT: It seems the offer is .99% for 12 months right now but that's still cheaper than 3+% fees up front.

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Thanks for the recommendation. Does that card give any rewards as well?

[Vinjints]

If you're in with Navy, and you don't have a 2% catchall, why not go for a Cash Plus? 1.99% intro APR on transferred balance for 12 months. It's not the longest BT period, or a zero APR, but gives you a card that you can hang on to, and use the rewards afterwards. Could also get a sizeable SL. Or the platinum for 0.99 APR and then maybe PC once you've paid it off?

I guess it might depend on how long you need to pay it off, as there are longer length cards out there.

[Rebuild2019]

+1 on @crystal626 @suggestion. I have that card. My balance is $0.00 and yesterday they sent me an offer for a balance transfer for 0% and 12 months.  Don't need it now, but always good to get an offer. 

Good luck if you apply @Colombiana79 

[crystal626]

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@Colombiana79 wrote:

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@crystal626 wrote:

Navy Federal Platinum. 0% for 12 months on balance transfers and no fees. I would apply for that one first because everyone else normally recommended charges BT fees. That's a savings of $270+.

EDIT: It seems the offer is .99% for 12 months right now but that's still cheaper than 3+% fees up front.

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Thanks for the recommendation. Does that card give any rewards as well?

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This one doesn't but once your balance transfer is paid off you can request them to change it to a cashRewards or you can just grab it as a new card and get whatever the sign up bonus is. Navy Federal is pretty generous with credit limits. Each card can grow to $50K and you can have a max of $80K across both cards.

If you just want one card, you can get the cashRewards now. It's 1.99% for 12 months but the intro rate is only for balance transfers. If you put a balance transfer on this card you'll lose your grace period and be charged interest on purchases from the posting date after the first statement unless you pay off the entire balance, including the balance transfer. The cashRewards is 1.5% cash back on all purchases if you get approved for less than $5K, 2% if you get approved for $5K or more. There is a sign up bonus of $250 for spending $2500 but no way to avoid interest on those purchases after the first month when there's a BT.

[Colombiana79]

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@Vinjints wrote:

If you're in with Navy, and you don't have a 2% catchall, why not go for a Cash Plus? 1.99% intro APR on transferred balance for 12 months. It's not the longest BT period, or a zero APR, but gives you a card that you can hang on to, and use the rewards afterwards. Could also get a sizeable SL. Or the platinum for 0.99 APR and then maybe PC once you've paid it off?

I guess it might depend on how long you need to pay it off, as there are longer length cards out there.

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I'm not to familiar with their cards. I have a savings account and am looking to refinace my car with them soon. I did just browse over them a little while ago but didnt know you could PC with them. Thank you for the advice!

[Colombiana79]

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@crystal626 wrote:

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@Colombiana79 wrote:

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@crystal626 wrote:

Navy Federal Platinum. 0% for 12 months on balance transfers and no fees. I would apply for that one first because everyone else normally recommended charges BT fees. That's a savings of $270+.

EDIT: It seems the offer is .99% for 12 months right now but that's still cheaper than 3+% fees up front.

---

Thanks for the recommendation. Does that card give any rewards as well?

---

This one doesn't but once your balance transfer is paid off you can request them to change it to a cashRewards or you can just grab it as a new card and get whatever the sign up bonus is. Navy Federal is pretty generous with credit limits. Each card can grow to $50K and you can have a max of $80K across both cards.

If you just want one card, you can get the cashRewards now. It's 1.99% for 12 months but the intro rate is only for balance transfers. If you put a balance transfer on this card you'll lose your grace period and be charged interest on purchases from the posting date after the first statement unless you pay off the entire balance, including the balance transfer. The cashRewards is 1.5% cash back on all purchases if you get approved for less than $5K, 2% if you get approved for $5K or more. There is a sign up bonus of $250 for spending $2500 but no way to avoid interest on those purchases after the first month when there's a BT.

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See I didnt know any of this. Thank you for educating me!

[ptatohed]

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@Colombiana79 wrote:

Hi All,

I'm looking for recommendations for a card I can transfer my Chase Freedom balance of $9000. Any cards that gives rewards would be awesome. I just make standard online and/or store purchases. I dont travel so travel points are not a need for me. I have a relationship with Chase already (Freedom and Prime) and also have a savings account with Navy Fed so any feedback on their cards would be good. But doesnt have to be one of theirs as well.

Any advice is appreciated! thanks

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With a $9,000 balance, I don't think you should be making more purchases via credit card(s).  Lock them away.  I would not be overly concerned with the new card having rewards or not.  I'd look for the lowest rate (read 0%), lowest transfer fee (0%, 3%?), and longest time (21 months?).  Stop using credit cards, get that $9k on a long 0% promo, and pay it off.  Then you can look for a new reward card(s).  GL.  

[Colombiana79]

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@ptatohed wrote:

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@Colombiana79 wrote:

Hi All,

I'm looking for recommendations for a card I can transfer my Chase Freedom balance of $9000. Any cards that gives rewards would be awesome. I just make standard online and/or store purchases. I dont travel so travel points are not a need for me. I have a relationship with Chase already (Freedom and Prime) and also have a savings account with Navy Fed so any feedback on their cards would be good. But doesnt have to be one of theirs as well.

Any advice is appreciated! thanks

---

With a $9,000 balance, I don't think you should be making more purchases via credit card(s).  Lock them away.  I would not be overly concerned with the new card having rewards or not.  I'd look for the lowest rate (read 0%), lowest transfer fee (0%, 3%?), and longest time (21 months?).  Stop using credit cards, get that $9k on a long 0% promo, and pay it off.  Then you can look for a new reward card(s).  GL.  

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Just an FYI. I have other cards that are at 0 balance. I have a fico score of 802. The reason why its at the amount was for an emergeny surgery that was not covered by insurance NOT  because of irresponsibility.  I chose that card bc I have a 15k limit plus 1.5% cash back. But thanks for assuming!