Tag Archives | Citi

US Bank Offers No Fee 0% Balance Transfer Cards

By on June 9, 2010 in blog

Important Update: The Discover More card now offers a no fee 0% balance transfer for 12 months.

In a sign that balance transfer offers are back in full swing, US Bank has brought back the no fee balance transfer. On three specialty cards, US Bank is offering a 0% balance transfer for 12 billing cycles with no balance transfer fee.

Here’s a look at each credit card offer, along with links to the card for more information:

Children’s Wish Foundation Select Rewards Visa Platinum Card

The Children’s Wish Foundation Select Rewards Visa Platinum Card from US Bank is designed for those that want to support a nonprofit organization dedicated to fulfilling Wishes for seriously ill children around the world, creating precious smiles and memories their families cherish for a lifetime.

Summary

  • No Pre-Set Spending Limit
  • Earn 1 reward point with every net purchase dollar charged.
  • Redeem points for travel, merchandise, gift certificates, cash back and more!
  • Redeem points sooner — start redeeming with just 1,500 points.
  • 0.00% APR for the first 12 billing cycles on purchases.
  • 0.00% APR for the first 12 billing cycles on balance transfers.
  • No annual fee.

The Linux Fund Visa Signature Card

The US Bank Linux Fund Visa Signature credit card is designed for those that want to support Linux and open source software. Each time you buy lunch, gas, a new game box, or a big screen, a portion of your “cardholder rewards” becomes a charitable donation to Free and Open Source Software (F/OSS).

Summary

  • No Pre-Set Spending Limit
  • Earn 1 reward point with every net purchase dollar charged.
  • Redeem points for travel, merchandise, gift certificates, cash back and more!
  • Redeem points sooner — start redeeming with just 1,500 points.
  • 0.00% APR for the first 12 billing cycles on purchases.
  • 0.00% APR for the first 12 billing cycles on balance transfers.
  • No annual fee.

Baylor University Alumni Association Visa Signature Card

The Baylor University Alumni Association Visa Signature Card is designed for those that want to support Baylor University.

Summary

  • No Pre-Set Spending Limit
  • Earn 1 reward point with every net purchase dollar charged.
  • Redeem points for travel, merchandise, gift certificates, cash back and more!
  • Redeem points sooner — start redeeming with just 1,500 points.
  • 0.00% APR for the first 12 billing cycles on purchases.
  • 0.00% APR for the first 12 billing cycles on balance transfers.
  • No annual fee.

One of the big questions here is whether the US Bank balance transfer offers are the best available. While they are the only 0% offers we know of with no transfer fee, they are not the longest. That honor currently goes to Citi, which offers a card with a 0% balance transfer for 18 months with a 4% transfer fee. Which one is best likely depends on your specific situation, but if you need the cash for more than one year, the Citi offer is probably the best bet. The 18-month card is the Citi Platinum Select MasterCard.

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The Best Credit Card For a Large Purchase

By on January 7, 2010 in Credit Card Offers

Which credit card is best when making a large purchase? We believe the answer depends in part on what you are buying. For example, if it’s an expensive vacation, an airline or travel rewards card might be best because you can earn more rewards. If it’s a home renovation, a cash back card might be the best option. You also might want to consider a 0% APR card to avoid fiance charges or a card with a low interest rate. Of course, a low or no interest rate card only matters if you intend to pay off the balance over time. With that being said, here are 5 cards that might be beneficial to consider when you make a large purchase.

Credit Cards for Large Purchases

Cash Back Travel Rewards 0% Intro Rate Low Interest Rate
Discover More
XXX
Amex Starwood
X
Chase Freedom(SM)
XXX
Chase Slate
XX
Citi Select
XX

Here are details on each card:

Discover® More® Card
Discover® More® Card
Apply Now...
  • 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
  • Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
  • 24/7 access to a U.S.-based Account Manager within 60 seconds
  • $0 Fraud Liability plus automatic mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information
Intro APR Intro APR
Period		 Regular
APR		 Annual
Fee		 Balance
Transfer		 Credit
Needed
0.00%* 15 months on purchases* 10.99-20.99% (Variable)* $0.00* Yes Excellent Credit*

Starwood Preferred Guest® Credit Card from American Express
Starwood Preferred Guest® Credit Card from American Express
Apply Now...
  • Starpoints® Bonus: 10K with your first purchase and another 15K when you spend $5k within 6 months - enough for up to 6 free nights at a category 1 or 2 hotel
  • Free nights, free flights: Redeem Starpoints with over 350 airlines through SPG Flights and more than 1,000 hotels and resorts worldwide. No blackout dates
  • 2011 SmarterTravel® Award for "Best Travel Rewards Card"
  • $0 introductory annual fee for the first year, then $65
Intro APR Intro APR
Period		 Regular
APR		 Annual
Fee		 Balance
Transfer		 Credit
Needed
N/A* N/A* 15.24-19.24% (Variable)* $0.00 1 year, then $65.00* Yes Excellent Credit*

Chase Freedom® Visa
Chase Freedom<sup>®</sup> Visa
Apply Now...
  • This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
  • Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
  • 0% Intro APR for 15 months on purchases and balance transfers
  • 5% Cash Back on up to $1,500 spent at grocery stores and movie theaters from 4/1/12 - 6/30/12
  • You'll enjoy new 5% categories every 3 months like gas stations, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • Up to an additional 10% Cash Back when you shop online at select merchants through Chase. No annual fee and rewards never expire
Intro APR Intro APR
Period		 Regular
APR		 Annual
Fee		 Balance
Transfer		 Credit
Needed
0.00%* 15 months on purchases* 12.99-22.99% (Variable)* $0.00* Yes Excellent Credit*

Slate® from Chase
Slate® from Chase
Apply Now...
  • No Balance Transfer Fee!*
  • 0% Intro APR for 15 months on purchases and balance transfers
  • Transfer your higher rate balances during the first 30 days your account is open and you will pay no balance transfer fee!
  • After the first 30 days, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5
  • Avoid interest on everyday purchases
  • Pay down your balance faster
  • Zero liability on unauthorized purchases*
  • No Annual Fee*
Intro APR Intro APR
Period		 Regular
APR		 Annual
Fee		 Balance
Transfer		 Credit
Needed
0.00%* 15 months on purchases* 11.99-21.99% (Variable)* $0.00* Yes Excellent Credit*

Citi® Platinum Select® MasterCard®
Citi® Platinum Select® MasterCard®
Apply Now...
  • 0% Intro APR on balance transfers and purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.*
  • Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
  • Citi® Identity Theft Solutions
  • No annual fee*
Intro APR Intro APR
Period		 Regular
APR		 Annual
Fee		 Balance
Transfer		 Credit
Needed
0.00%* 18 months on purchases* 11.99-21.99% (Variable)* $0.00* Yes Excellent Credit*

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