Card recommendation

[Anonymous]

I'm currently in the mortgage process and should close sometime in mid-to-late November. This is my first home purchase and we have a lot to buy to furnish (furniture, electronics, tools, yard equipment, ultimately materials to finish the basement). I would really like to find a card with 12 months of no interest, if possible, and a limit of around $5k, min. I currently have 3 cards with a total limit of $11,500 and a UTI of 1%. My scores:

Eq Bankcard-8: 744

Eq Bankcard-5: 727

Tu Bankcard-8: 741

Tu Bankcard-4: 706

Ex Bankcard-8: 716

Ex Bankcard-2: 729

Ex Fico-3: 673

Can anybody recommend a card that can accomodate my needs? 

[ldkcivilservant]

That cards to you currently hold? Balances?

Do you have a way in to NFCU?

[Anonymous]

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@ldkcivilservant wrote:

That cards to you currently hold? Balances?

Do you have a way in to NFCU?

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Hey @ldkcivilservant I appreciate the reply. Here's what I got: 

Capital One Quick Silver One (MC): $108/$3000

Capital One Platinum (MC): $0/$6500

Chase Southwest (Visa): $0/$2000

Pretty sure that I don't have a way in to NFCU, unfortunately. 

[Anonymous]

It won't get you furniture per se, but any homeowner could do a lot worse than a Lowe's card. Mine is one of my most-used cards, a few times a week easily. There's always something I can use there.

[GrandBaker]

U.S. Bank Platinum has 0% APR for 20 billing cycles.

https://www.usbank.com/credit-cards/visa-platinum-credit-card.html

Congratulations on the house!

[GrandBaker]

AMEX Everyday card also has a 0% APR for 15 billing cycles but regardless of your credit limit you can only balance transfer $5,000 (if you are thinking in that direction).

[sxa001]

If it were me I would choose a rewards card that also had an intro purchase APR.  Chase Freedom Flex is doing 0% for 15 months right now.  Below I pasted the rewards, you can see it's a pretty solid cashback card (or you can redeem the awards with transfer partners or travel on their portal).  I am pretty biased as I am pretty well sold on this card but you would also get your 0% APR financing so seems like a solid pick 

Chase Freedom Flex℠'s Rewards

• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
• Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
• Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
• Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1% on all other purchases.

[Anonymous]

Appreciate the responses! Now i'm just wondering if my credit is good enough to qualify for some of these awesome deals...

[addicted_to_credit]

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@Anonymous wrote:

Appreciate the responses! Now i'm just wondering if my credit is good enough to qualify for some of these awesome deals...

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As long as your income is good and your FICO8(?) is in line with the bank card scores and assuming you're under 5 new revolver accounts (credit cards and lines of credit) I'd like to think you'd have a great shot at the chase card mentioned up thread.

[Anonymous]

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@addicted_to_credit wrote:

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@Anonymous wrote:

Appreciate the responses! Now i'm just wondering if my credit is good enough to qualify for some of these awesome deals...

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As long as your income is good and your FICO8(?) is in line with the bank card scores and assuming you're under 5 new revolver accounts (credit cards and lines of credit) I'd like to think you'd have a great shot at the chase card mentioned up thread.

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They are...I think that I'm going to go for it...right after closing, that is! I might ask my Loan Processer if I can do it beforehand, but I really dont want to take the chance of screwing anything up.