I have roughly 6k on my 4 cards with intro 0 apr but with the Amex 0 intro apr expiring in a month, one in early June, one late June, and lastly one in July, I had planned on paying them off by then until recently looking at my Discover Balance Transfer offers. They are offering me 0 interest for 12 months with 3% transfer fees or 4.99 apr for 18 months with a 0 fee transfer fee. Doing the calculations makes it seem quite worthwhile. The cards are Amex Blue Cash, Chase Freedom, Citi Double Cash, and the Citi Anywhere Visa. I am all about avoiding interest, but rather than crunch to pay off each balance in a short time, the balance transfer fees are so minimal that it seems like a great deal and I wouldn't mind giving some of my $ to Discover as they have been great with limit increases.
Only concern is that my Discover Limit is 7200, so I would be loading up 5200 on one card so obviously there would be a higher utilization hit on the FICOs. Not having extra $ tied up paying down cards would be a real nice thing this spring and summer and Discover seems to be offering the best BT terms for any card that I've owned for a while.
