Highest Limit Balance Transfer Cards

[CenturionBound]

Hi all,

I am looking for the highest limit BT card available with 3% BT fee or less.

Right now i've been with WF, BofA and Chase for over 10 years each. Credit is 740+, Income is high.

Just took out 23k BofA BT card 2-3 months ago

I have 5 Chase cards (CSR, Freedom, Freedom Unlt, Ink Preferred, and Ink Bold/Plus) with total combined limits of around 30-40k for personal and 30-40k for business

No WF ccards

Any recommendations on which card/bank to go with? Thanks in advance!

[SouthJamaica]

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@CenturionBound wrote:

Hi all,

I am looking for the highest limit BT card available with 3% BT fee or less.

Right now i've been with WF, BofA and Chase for over 10 years each. Credit is 740+, Income is high.

Just took out 23k BofA BT card 2-3 months ago

I have 5 Chase cards (CSR, Freedom, Freedom Unlt, Ink Preferred, and Ink Bold/Plus) with total combined limits of around 30-40k for personal and 30-40k for business

No WF ccards

Any recommendations on which card/bank to go with? Thanks in advance!

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I would go for a credit union non-rewards platinum card with no balance transfer fee.

[hdporter]

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@SouthJamaica wrote:

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I would go for a credit union non-rewards platinum card with no balance transfer fee.

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Not a terrible recommendation.  However, most of the CU's that have no balance transfer fee don't feature intro bt rates on their cards.  An exception is Navy Federal -- one of the best bt offers to be found, the have a 12-mo 0% rate with no bt fee.  However, there's no "association" membership door to this CU.  You must be a vet, or directly link yourself to one.  Could be a modest hurdle to clear, but likely well worth it based upon other CU benefits.

[SouthJamaica]

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@hdporter wrote:

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@SouthJamaica wrote:

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I would go for a credit union non-rewards platinum card with no balance transfer fee.

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Not a terrible recommendation.  However, most of the CU's that have no balance transfer fee don't feature intro bt rates on their cards.  An exception is Navy Federal -- one of the best bt offers to be found, the have a 12-mo 0% rate with no bt fee.  However, there's no "association" membership door to this CU.  You must be a vet, or directly link yourself to one.  Could be a modest hurdle to clear, but likely well worth it based upon other CU benefits.

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BECU usually has zero percent promo.

Most have promotional intro rate, typically 2.99%.

[CenturionBound]

Thank you! However i tried both BECU and Navy Fed (member of both) and didnt get approved at BECU and got a 500 limit for Navy Fed. 500 is worthless to me unfortunately.

[ptatohed]

I don't know about "high limits" but the Disco Balance Trans card offers 3% fee, 18 months at 0%, and a great 5% rotator card after you are done paying her off.  

https://www.discovercard.com/application/website/ratesrewards?srcCde=GH4D&2&irgwc=1&gclid=_uobffkeoj...

[SouthJamaica]

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@ptatohed wrote:

I don't know about "high limits" but the Disco Balance Trans card offers 3% fee, 18 months at 0%, and a great 5% rotator card after you are done paying her off.  

https://www.discovercard.com/application/website/ratesrewards?srcCde=GH4D&2&irgwc=1&gclid=_uobffkeoj...

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Question: how is the "balance transfer card" different than the "cash back card"?