As of yesterday, my score sits at 686. I just opened an account with my credit union and got a visa with 3500 cl at 9.9%. Great...that absorbed all my balances with interest over 10%. Now I need a CC with a 0% intro on balance transfers for another 5K or so. I already have 2 inquiries this year...one for my car and one for the visa. So I want to hit the bullseye with the right company. I dont want to apply all over the place because I think it will hurt my score and I would prefer a company that pulls equifax. Also, rule out Chase and Wells Fargo. I still have balances under 'special financing' on some closed accounts with them. In June I finally paid off a CC with a 17K cl. Once I paid it I thought they would offer a new card...NO DICE due to special financing.
The Citi Platinum Select seems to be the best choice for BT right now because it's 0 for 21 months.
I'm not 100% positive you would be approved for the 5K you want with a 686 score (is that a Fico? and if it is, is it EQ, TU, or EX?)
Citi pulled EQ for me in NC.
Edited to add link.
Scores: EQ (FICO) - 730 | EX (FICO) - 722 | TU (FICO) - 713 - 06/25/2014
US Airways MC (5 K) | US Airways World MC (10 K) | Chase United Airlines Sig VISA (5K) | BOA Rewards Sig Visa (10K) Citi Dividend Plat MC (5.6K) | Discover Miles (6.6K) | AMEX BCE (7 K) | AMEX Plat Delta (11 K) | BOA PLAT (7.5K)
Citi Diamond Preferred card and Citi Simplicity card both have the longest balance transfer 0% APR out there, 21 months
I have/had a citibank platinum card with a $11K limit until 2009. First they slashed my credit limit to about 100 more than I owed them...around 5900. Then they sent a letter that my interest rate was going up to something ridiculous... Our only options were to "opt-out" or pay up. We were forced to opt -out. We were just coming up for air then financially and couldnt veer off course just to keep them as active. I wish they would reopen it for those that always kept a good record with them. We still owe about 4400...since our interest with them is so low...around 6%...we are in no rush to pay them.
If you're on bad term with Citi then maybe try for Cap1? The Capital One Cash CC has 0% APR for 12 months (http://www.capitalone.com/creditcards/cash-rewards-credit-card)
American Express Clear. No BT fee and 0% for 12 months.