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Do you guys know which credit card with 0% balance transfer offer ?

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Do you guys know which credit card with 0% balance transfer offer ?

Do you guys know which credit cards come with 0% balance transfer offers and 0% balance transfer fee when you approved for a new credit card? I am thinking to apply for this type of credit card? Is anyone with the experieces? Please share! Thanks!

Message 1 of 6
5 REPLIES 5
Frequent Contributor

Re: Do you guys know which credit card with 0% balance transfer offer ?


@DotaK wrote:

Do you guys know which credit cards come with 0% balance transfer offers and 0% balance transfer fee when you approved for a new credit card? I am thinking to apply for this type of credit card? Is anyone with the experieces? Please share! Thanks!


Discover it® Balance Transfer
Capital One® Quicksilver
Wells Fargo Platinum Visa®
BankAmericard® credit card
Chase Freedom Unlimited®
U.S. Bank Visa® Platinum Card
Chase Freedom®
Barclaycard Ring® Mastercard®
HSBC Gold Mastercard® credit card
Citi Simplicity® Card 



Message 2 of 6
Regular Contributor

Re: Do you guys know which credit card with 0% balance transfer offer ?

Be careful when you view BT offers......

 

Cards that offer Balance Transfers usually have one of 2 choices:

#1 - 0% APR for X amount of time with a 2-4% transfer fee   ...or

#2 - Low APR like 4.99% with 0 transfer fee

 

But it's highly unlikely you find a card with both. You will have to choose one option.

Message 3 of 6
Super Contributor

Re: Do you guys know which credit card with 0% balance transfer offer ?


@Taurus22 wrote:

Be careful when you view BT offers......

 

Cards that offer Balance Transfers usually have one of 2 choices:

#1 - 0% APR for X amount of time with a 2-4% transfer fee   ...or

#2 - Low APR like 4.99% with 0 transfer fee

 

But it's highly unlikely you find a card with both. You will have to choose one option.


Not really. No fee BT cards are very common at credit unions, for example the NFCU Platinum has no fee and 0% for 12 months. 

 

The problem is that OP is in the process of being balance chased which means getting a BT card is going to be a tough job. Best thing I can recommend it find a local CU, look for a card that has 0% and no fee on BTs and then go in to a branch and explain the situation and see what they can do because credit unions are the most likely to bail someone out of a credit crisis with fair terms. 



01/2019:
1/2020:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 4 of 6
Established Contributor

Re: Do you guys know which credit card with 0% balance transfer offer ?

Amex EveryDay card has a 0% BT for 15 months with a $0 fee if the BT is done within 60 days of opening the account.





~~ Former Royal Navy Submariner - Proud to have served ~~
Message 5 of 6
Frequent Contributor

Re: Do you guys know which credit card with 0% balance transfer offer ?


@chhull00 wrote:

Chase Freedom Unlimited®
Chase Freedom® 

These both have fees when I check, the Chase Slate card doesn't.

 

@Taurus22, there are actually a fair number that have both.

 

I found recently that Amex limits BTs to $5000 per card no matter what your CL is, so that can limit the ED usefulness if you need to BT a lot of money without getting lots of cards. 

 

Current Score: Mar 2019: EX FICO8 779, TU FICO8 800, EQ FICO 780, TU Vantage 773, EQ Vantage 786
AoOA: closed: 35 years, open: 24 years; AAoA: 11.8 years; Inquiries: 2019: 2, 2018: 3; No BK ever, 1 30 day late in 2013
Amex Gold, Amex Green, Amex Blue, Amex ED, Amex Delta Gold, Amex Hilton Surpass, BoA Platinum Plus, Chase Slate, Chase Amazon, Chase CSP, Sync Lowes, Sync JC Penney - total CL 129k
Loans: Prosper (20k/3yrs 7.14%), Lending Club (10k/3yrs 5.89%), Chase car loan (35k/6yrs 0.9%)
Message 6 of 6
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