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Looking for suggestion 12 mo 0% + sign on bonus

CreditFun
Regular Contributor

Looking for suggestion 12 mo 0% + sign on bonus

Hi everyone,

 

looking for a card for my wife with 12 mo 0% and a cash sign on bonus.

 

looking for someone who consistently offers 12k-15k+ starting line when warranted. No annual fee. 


Experian FICO 770

overall utilization <20%

4 inquiries 

 

Any suggestions?

 

Currently has:

-chase freedom

-Amex gold, blue, everyday, cash magnet

-capital 1 quicksilver

-discover it

 

previously had citi double cash with signup bonus

 

Message 1 of 8
7 REPLIES 7
Loquat
Moderator

Re: Looking for suggestion 12 mo 0% + sign on bonus

Think credit unions. PenFed comes to mind. Also know that the current financial situation has caused some lenders to not be as generous as they once were.
Message 2 of 8
CreditFun
Regular Contributor

Re: Looking for suggestion 12 mo 0% + sign on bonus

*edit


She got a letter from pended with $100 bonus.

What is required to get the 2% cash back vs the 1.5%?

Message 3 of 8
NoMoreE46
Established Contributor

Re: Looking for suggestion 12 mo 0% + sign on bonus

[Assumption is that you are talking about the PF Cash Rewards.]

 

You qualify for 2% back if you are a military veteran or if you DD at least $500 monthly into a PF Bank account,

 

Message 4 of 8
Bestman79
Valued Member

Re: Looking for suggestion 12 mo 0% + sign on bonus

BBVA is one that comes to mind for me, $100 statement credit with $$1500 spend in 90 days & 13 months 0% APR, even has a pretty solid prequal tool. They use EXP 9. 

AMEX BCP=$1K HSBC GOLD=$2.5K DISCO IT=$10.5K COMMERCE VISA=$3K HSBC
REWARDS=$2.5K PPMC=$10K US BANK KROGER MASTERCARD=$8K AMEX HILTON HONORS=$3K AMEX DELTA BLUE=$1K WELLS FARGO PROPEL=$3.2K NAVY FED MORE REWARS=$11K LOWES= $35K TARGET=$2.4K KOHLS=$2K NAVY FED CLOC=$500 DELL=$4.5K IKEA=$19K PEN FED PCR=$15K PEN FED VS=$15K PAYPAL CREDIT=$10K BBVA CLEAR POINTS=$12K BBVA REWARDS= $12K BBVA CLEAR POINTS=$12K NAVY FED FS=$25.4K MACY AMEX=$25K FNBO=$13.1K HUNTINGTON VOICE=$3.5K DISCO IT=$5K NAVY FED PLATINUM=$25K APPLE CARD=$4K

TCL=$296,100
Message 5 of 8
Loquat
Moderator

Re: Looking for suggestion 12 mo 0% + sign on bonus

How old is your first Discover card? May be able to get a second one depending on how long you’ve had the first.
Message 6 of 8
M_Smart007
Epic Contributor

Re: Looking for suggestion 12 mo 0% + sign on bonus


@Loquat wrote:
Think credit unions. PenFed comes to mind. Also know that the current financial situation has caused some lenders to not be as generous as they once were.

+1

Penfed is what came to my mind also.

Message 7 of 8
CreditFun
Regular Contributor

Re: Looking for suggestion 12 mo 0% + sign on bonus

Discover card is 10+ years

Message 8 of 8
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