Best Balance Transfer Credit Cards
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For the deals here on credit cards with Balance Transfer offers.
Requirements for cards to be included in this list:
- Must have no Balance Transfer fee or capped Balance Transfer fee (BT fee).
- 0% or very low APR for Balance Transfers.
- Must not be a pre-approved offer like you get in the mail.
- Geo-specific cards (like National City & Fifth Third Bank) are OK, but note if they are restricted.
Some useful sites:
http://www.magnifymoney.com/blog/balance-transfer/no-fee-balance-transfer-credit-card1322859387/?xcust=ebs2d4246631d13681d1506195638328sbehttps://www.nerdwallet.com/blog/top-credit-cards/nerdwallets-best-balance-transfer-credit-cards/
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Just got in a mail yesterday for an existing NFCU card. 12 Months, 0%, $0 fee. Must be transferred by 14 October or navyfederal.org/ccoffer/zerobt
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Bank of America has a 0% no fee credit card for 15 months. I got a targeted one for 18 months and they actually gave me 22 months! It’s the plain vanilla bank americard with no cash back rewards. There is also the Chase Slate card 0% no fee for 15 months as well but I’m sure you already know about that one.
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@Deplorable-1
The BoA Card used to be a great option but with BoA 2/3/4 credit card limit rule one has to be very careful.
Alliant Platinum card is another good option and the best part is that they do the BT within 2-3 days over the phone.
I recently BTed to Barclay Ring Card but it’s taking them forever.
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@marcopolomle: This is the first I have heard of those rules. They must be trying to stop people like me from doing a app-o-rama and opening multiple cards for 0% no fee bt’s. I have not had any issues opening up cards so far.
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Almost all major CC issuers now have similar rules in place.
BoA rule is fairly recent and now even BarclayCard seemed to have joined the fight against churning.
App-o-rama is now thing of the past unless you have not applied for any CC for last 24 months.
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12 months up to 21 months 0% Intro APR Credit Cards
Banks are now offering incredibly long periods of 0% Intro APR interest.
If you’re carrying a balance on a high interest credit card or are looking to make a big purchase in the coming months, it’s time to switch cards and save money.
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BOA and Wells Fargo both have 18 month offers.
I find 18 months is a good timeline if you are shuffling 0% balances around.
