2012 balance transfer survey list
September 9, 2012
By: Curtis Arnold
Return to the 2012 balance transfer survey article
* Offers accurate as of 9/04/2012. Updated on 5/1/2013.
| Balance transfer promotional terms | BT APR after 0% ends** | BT fee after intro | New purchase promotional terms | Annual fee | |||||||
| Credit Card | APR | Length of promo (mos) | Transfer fee | Window when BT must be made | Low | High | BT fee | Min | APR | Length of promo | Annual fee |
| BankAmericard Visa | 0% | 15 | 3% | 60 days | 10.99% | 19.99% | 3% | $10 | 0% | 15 billing cycles | No |
| Barclaycard Ring | 8% | Life | 0% | Any | 8.00% | 8.00% | 0% | $0 | 8% | N/A | No |
| Capital One Cash Rewards Visa | 0% | through 5/2014 | 3% | by 5/31/2014 | 12.90% | 20.90% | 3% | $0 | 0% | through 5/2014 | No |
| Capital One Platinum Prestige | 0% | through 8/2014 | 3% | by 8/31/2014 | 10.90% | 18.90% | 3% | $0 | 0% | through 8/2014 | No |
| Chase Freedom | 0% | 15 | 3% | 60 days | 13.99% | 22.99% | 3% | $5 | 0% | 15 mos | No |
| Slate Card from Chase | 0% | 15 | 0% | 60 days | 11.99% | 21.99% | 3% | $5 | 0% | 15 mos | No |
| Citi Diamond Preferred Card | 0% | 18 | 3% | 4 mos | 11.99% | 21.99% | 3% | $5 | 0% | 18 mos | No |
| Citi Dividend Platinum Select Visa Card- $100 Cash Back | 0% | 12 | 3% | 4 mos | 12.99% | 22.99% | 3% | $5 | 0% | 12 mos | No |
| Citi Simplicity Card | 0% | 18 | 3% | 4 mos | 12.99% | 21.99% | 3% | $5 | 0% | 18 mos | No |
| Citi ThankYou Preferred Rewards Card ($150 gift card) | 0% | 12 | 3% | 4 mos | 12.99% | 22.99% | 3% | $5 | 0% | 12 mos | No |
| Citi ThankYou Card | 0% | 15 | 3% | 4 mos | 12.99% | 22.99% | 3% | $5 | 0% | 15 mos | No |
| Discover it Card | 0% | 14 | 3% | By 8/10/2013 | 10.99% | 20.99% | 3% | $0 | 0% | 14 mos | No |
| Discover it Card - 18 Month BT | 0% | 18 | 3% | By 8/10/2013 | 10.99% | 20.99% | 3% | $0 | 0% | 6 mos | No |
| PenFed Premium Travel Rewards AmEx Card | 4.99% | Life of balance | 0% | By 6/30/2013 | 9.99% | 9.99% | 3% | $10 ($250 max) | 9.99% variable | capped through 6/2014 | No |
| PenFed Platinum Rewards Visa Card | 4.99% | Life of balance | 0% | By 6/30/2013 | 9.99% | 9.99% | 3% | $10 ($250 max) | 9.99% variable | capped through 6/2014 | No |
| Iberiabank Select Visa | 1.99% or 7.5% | 12 | 3% | 3 mos | 7.50% | 11.50% | 3% | $0 | 0% or 7.5% |
12 mos | $35 |
| PenFed Promise Visa | 4.99% | Life of balance | 0% | by 6/30/2013 | 9.99% | 9.99% | 0% | $0 | 7.49% | 36 mos then 9.99% |
No |
| Simmons First Visa Platinum | 7.25% variable | Life | 0% | Any | 7.25% | 7.25% | 0% | $0 | 7.25% | N.A | No |
| U.S. Bank Cash+ Visa Signature Card |
0% | 6 | 3% | 90 days | 13.99% | 23.99% | 4% | $5 | 13.99%-23.99% | N/A | No |
| U.S. Bank FlexPerks® Select Rewards Visa® Card | 0% | 6 | 3% | 30 days | 13.99% | 23.99% | 4% | $5 | 13.99%-23.99% | N/A | No |
| US Bank Visa Platinum | 0% | 12 | 3% | 30 days | 9.99% | 23.99% | 4% | $5 | 0% | 12 mos | No |
| Wells Fargo Cash Back Card | 0% | 6 | 3% | 6 mos | 12.15% | 25.99% | 5% | $5 | 0% | 6 mos | No |
| Wells Fargo Platinum Visa Card | 0% | 6 | 3% | 6 mos | 10.15% | 24.99% | 5% | $5 | 0% | 6 mos | No |
**For offers with a variable rate after the introductory period expires the balance transfer APR will vary with the market based on the index specified by each issuer (for example Prime Rate). Rates disclosed are the current rates.
Disclaimer: The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we can not guarantee the accuracy of the information in this article. Please verify all terms and conditions of any credit card prior to applying. Check our credit card database for updated terms and conditions.
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