Navy Federal 2024 Balance Transfer Offers

[iowe]

In my case, my current balance transfer term is going to run out in April, and unless I find a new balance transfer offer, my interest payments are gonna go way up beginning in May. So, I'm hoping for a NFCU offer just to avoid that.   

[SMB85]

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@TryItAgain wrote:

I received this offer on 1-16-24 for my Flagship Visa, 3.99% for 18 months no BT fee. I called and asked if only my Flagship was eligible, but they could not verify that.

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I received the exact same offer, also on my Flagship card. I messaged them to ask if it mattered which card I BT'd to. This was their response:

"This promotion is currently only valid for the Visa Signature Flagship Rewards account. If a balance transfer is input on another credit card account, it will accrue interest at your purchase APR."

[TryItAgain]

Yup they confirmed with me later it was only flagship, but they did do a re-allocation from my platinum and amex to beef up flagship so I could use more.

[SPChaser]

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@Citylights18 wrote:

Obviously NFCU has tightened up but I wonder if credit usage also plays in a factor in a decision to issue one.

I can remember when I used the card frequently and had the 0$ BT offer every year.

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Most definitely usage plays a factor in my experience. After I started giving the Platinum and cashRewards regular usage, I have received offers. With the Platinum, I, as I mentioned before, was sent a BT offer in what I can remember being the first time in a very very long time, and with the cashRewards, I just checked reward offers and there's a $20 cash back offer off $200 spend on phone, streaming, and internet bill starting 2/1; they seemingly coming in every other month. I never received these offers on the cashRewards until I put regular use on it. 

[woodyman100]

Received a nice offer this year

[pizzadude]

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@woodyman100 wrote:

Received a nice offer this year

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Guessing this was a targeted offer, 0.99% is a great, about as close to zero as you can get --- how long is the promo rate valid, 6 months, 1 year?  Also any BT fees ?

[woodyman100]

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@pizzadude wrote:

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@woodyman100 wrote:

Received a nice offer this year

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Guessing this was a targeted offer, 0.99% is a great, about as close to zero as you can get --- how long is the promo rate valid, 6 months, 1 year?  Also any BT fees ?

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Targeted.

12 months no fee. I may use it to pay off my truck that I bought post lockdown at a stupid rate.

[pizzadude]

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@woodyman100 wrote:

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@pizzadude wrote:

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@woodyman100 wrote:

Received a nice offer this year

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Guessing this was a targeted offer, 0.99% is a great, about as close to zero as you can get --- how long is the promo rate valid, 6 months, 1 year?  Also any BT fees ?

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Targeted.

12 months no fee. I may use it to pay off my truck that I bought post lockdown at a stupid rate.

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Nice !  Yeah it's basically free money for a year, great idea to pay off higher interest rate debt

[cashorcharge]

I always thought that NFCU BT offers came right after Jan 1.  Perhaps a change or I've just never seen one outside of that cycle.

[pizzadude]

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@cashorcharge wrote:

I always thought that NFCU BT offers came right after Jan 1.  Perhaps a change or I've just never seen one outside of that cycle.

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Yeah in years past their BT promos have always been in early / new year, but guessing they're rolling out more targeted offers now ?