Deal of the Day: Get a $50 cash bonus with the Chase Freedom credit card. Chase Freedom offers cash back rewards up to 3%, a 0% APR for up to 12 months, and no annual fee. Check out our Chase Freedom review or get more details from Chase at www.chase.com/freedom.
0% Balance Transfer for 15 Months
Update: This offer is no longer available. And in fact, no 0% balance transfer for 15 months is currently available. The best offer currently available is a 0% introductory offer good for 12 months from the Discover Card--American Flag Edition. The card also comes with up to 5% cash back on purchases, 0% on purchases for six months, and no annual fee. This is a new offer, and it's unclear how long it will be available. You can get more information and apply online at www.discovercard.com.
If the Discover card is not what you're after, check out our 0% Balance Transfer page and our 0% Credit Cards page.
I just learned that the Chase Business Rebate Card is offering a special 0% introductory balance transfer rate for up to 15 billing cycles. This is one of the longest 0% balance transfer periods available. In addition, the card offers cash back on purchases such as office supplies and gas.
It is important to note that this is a business credit card. That does not mean you need to have formed a corporate entity to apply; sole proprietors can apply for a business card. But you do need to be an owner of a business, which could apply to a real estate agent, franchisee, a home-based business, or even somebody who makes money blogging.
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So, is there any balance transfer fee?
dubious, very important question, and yes there is. Here’s what the fee disclosure says, “3% of the amount of each transaction, but not less than $5.00 nor more than $99.00.” So for 15 months at 0%, a max of $99 is reasonable. What you have to watch out for are the balance transfer fees that are unlimited. Thanks for asking the question, because we should ALWAYS check the balance transfer fees.
You should put the entire amount and invest it in Gold.
You don’t need to be a business owner to get this card. My daughter is a full-time college student with no income and she got this card by applying over the phone. When asked by a CSR if she owned a business she answered “no”. In a week she received a new card with 12K credit limit!
foglifter, thanks for the tip!
Some time ago Advanta offered several credit cards with 0% balance transfers for 15 months. As you may know, however, Advanta has closed its doors, and 15-month transfer offers are a thing of the past. At least that’s what I thought. Now, HSBC is offering a 15 month balance transfer deal, but only in the UK. So if you are in the UK looking for a great 0% BT card, check out HSBC Bank Credit Card. My hope is that this is a trend that will make its way to the U.S.