Citi® Hilton HHonors™ Visa Signature® Card – Limited Time Offer

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citihilton180emvLast update: Offer expires Friday, 4/18/14. Citi has a new limited-time promotion for its Citi® Hilton HHonors™ Visa Signature® Card. The sign-up bonus has been improved by 10,000 points and a $50 statement credit over their standard offer. This offer is only available on a handful of sites, not even on Citi.com.

  • LIMITED TIME: Earn a $50 statement credit after spending $50 on your first stay at any hotel and resort within the Hilton HHonors Portfolio during the first 6 months of cardmembership as well as 50,000 Hilton HHonors Bonus Points after $1,000 in purchases within the first 4 months of cardmembership.*
  • Earn 6 HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton HHonors portfolio. *
  • Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations. *
  • Earn 2 HHonors Bonus Points for each $1 spent on all other purchases. *
  • No annual fee.*

*Click for additional pricing and to learn more.

Due to the way the bonus is structured, this card is really best for people who at least occasionally stay at Hilton hotels (as this card is also giving you a bunch of points and complimentary Silver status to try and get you to become more loyal). Hilton HHonors points are worth the most when redeemed for a hotel stay, as there aren’t really that many great cash-equivalent redemption options. You can use this search tool to see how much a hotel will cost in any specific area (i.e. Honolulu or Paris).

This card has no annual fee. If you are willing to pay an annual fee in exchange for a bigger bonus and better ongoing perks, check out the Citi Hilton HHonors Reserve Card.

American Express AmEx Everyday and Amex Everyday Preferred Credit Card Review

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amexeverydayAmerican Express has just introduced two new rewards credit cards called the AmEx Everyday and AmEx Everyday Preferred. Note that these are NOT the same as the Blue Cash Everyday and Blue Cash Preferred cards. They are worth a look as they offer a unique rewards structure, although it can be a bit tricky to maximize their value. Here is my review and comparison with similar cards.

Both are credit cards that let you carry a balance, as opposed to charge cards that make you pay in full each month. However, they both earn “real” Membership Rewards points just like the traditional Gold or Platinum charge cards. This means the points can be transferred to 17 different airlines including British Airways, Delta, and Hawaiian Airlines and 5 hotel loyalty programs. Otherwise, you can get about 1 cent per point when used with their “Pay with Points” feature or if converted to gift cards (Home Depot, Gap/OldNavy/Banana, Zappos, etc). Here’s how they differ:

AmEx Everyday Credit Card

  • Sign-up bonus: 10,000 Membership Rewards points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • 2x Membership Rewards points at US supermarkets (up to $6k in purchases per year), 1x points on other purchases..
  • Possible 20% bonus on points earned. Use your Card 20 or more times on purchases in a billing period and get 20% more points on those purchases (less returns and credits).
  • No annual fee. No annual fee for additional cards.

AmEx Everyday Preferred Credit Card

  • Sign-up bonus: 15,000 Membership Rewards points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • 3x Membership Rewards points at US supermarkets (up to $6k in purchases per year), 2x points at US gas stations, 1x points on other purchases.
  • Possible 50% bonus on points earned. Use your Card 30 or more times on purchases in a billing period and get 20% more points on those purchases (less returns and credits).
  • $95 annual fee. No annual fee for additional cards.

In order to maximize your rewards earned, you’ll need to makes 20 purchases on the no annual fee version or 30 for the Preferred version. For most people, that means this card has to be your primary card. Otherwise, you may have to work a little to meet that hurdle. You might buy some small Amazon.com gift codes, take a few extra trips in that self-checkout line, spend some extra time pumping gas, or pay your cell phone bill in small chunks. The good news is that you can track your purchase count easily with the AmEx mobile app designed to work with this card.

Both cards also have a EMV smart chip, but unfortunately foreign transaction fees are not waived. I’m guessing that is because this is an “everyday spending” card and not a “travel rewards” card.

The problem is that in order to maximize the total value of this card, you’ll have to get more than 1 cent of value out of a Membership Rewards point. Because even with the boosts, at 1 cent per point the most value you could earn with the is 2.4% back on groceries (Everyday no annual fee) or 4.5% back on groceries and 3% back on gas (Everyday Preferred $95 annual fee). Yet the existing Blue Cash Everyday card already gets you 3% cash back on groceries and 2% cash back on gas with no annual fee, and the Blue Cash Preferred gets you 6% back on gas and 3% back on gas with a $75 annual fee.

However, if you can get around 1.5 cents of of value out of a Membership Rewards point by converting it to airline miles, this card becomes better than the Blue Cash cards. The numbers then work out to 3.6% back and 6.75% back on groceries, respectively. That’s pretty solid. (Break-even value is 1.25-1.33 cents per point.) So while it is not marketed as a travel rewards card, it is really only best for people who can redeem their points efficiently via airline miles. Make sense? :)

5% Cash Back Credit Cards: Rotating Categories Update 2014

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2nd quarter activation now open for all cards. The cards below offer a hefty 5% cash back on certain categories that rotate each quarter. With a little extra attention, I can easily rack up hundreds of dollars in additional rewards per year without otherwise changing my spending habits. Sometimes this involves buying Amazon gift cards at stores offering 5% back. None of these have an annual fee, so it costs me nothing to keep them around. New cardmembers often also get an initial sign-on bonus.

Chase Freedom CardChase Freedom®
From April 1st through June 30th, 2014 you can earn 5% cash back on up to $1,500 spent in the following categories:

  • Restaurants
  • Lowe’s home improvement stores

Enroll each quarter at ChaseBonus.com, it’s quick and as long as you activate by the end of the quarter the rewards are retroactive. All other purchases earn 1% back, with no tiers or expiration of rewards. Currently, the Chase Freedom® card is offering a $100 bonus cash back if you sign up and make just $500 in purchases in your first three months and a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period. No annual fee.

Citi Dividend Platinum Select Visa CardCiti® Dividend Platinum Select® Visa® Card
From April 1st to June 30th, you can earn 5% cash back from Citi on eligible purchases at:

  • The Home Depot
  • Home furnishing (classified as merchants that primarily sell furniture for homes. IKEA has counted for me in the past with Citi)
  • Home and garden stores (classified as merchants that primarily sell plants, flowers and related items and include florists, nurseries or landscaping service providers.)

Login into your online account or call 1-800-231-0891 to activate the rewards each quarter (starts upon activation, not retroactive). The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer.  See Citi Dividend Card Reward Program Information. Full 1% cash back on all other purchases and eligible cash advances and rewards do not expire as long as you have activity once every 12 months.

Currently, the Citi® Dividend Platinum Select® Visa® Card has a promotion offering $100 cash back after $500 in purchases within the first 3 months of account opening. 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness. No annual fee.

Discover it cardDiscover It® Card (new, better card!)
From April 1st to June 30th, you can earn 5% cash back on up to $1,500 spent in the following categories:

  • Home Improvement Stores (including Home Depot and Lowes)
  • Furniture Stores (IKEA has counted for me in the past with Citi)
  • Bed Bath & Beyond

Login into your online account to activate the rewards each quarter (starts upon activation, not retroactive). The new Discover It® card now has a flat 1% cash back (no more tiers), free FICO score every month, late-payment forgiveness, and direct-to-human, 100% US-based customer service reps. No annual fee. (If you have an old Discover More card, you should call in and convert it to a Discover It card for free and get the new perks.)

“Disclaimer: This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program.”

Discover It Card Review: Improved, 5% Cash Back Categories, Free FICO Score

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discover2014q2(2nd Quarter activation open. I just logged on and noticed that you can now register to get 5% cashback on up to $1,500 in purchases in Home Improvement Stores, Furniture Stores, and Bed Bath & Beyond from April to June 2014. 5% rewards start only after activation each quarter and are not retroactive, so sign up now by logging into your account online.)

Scrappy little Discover is trying something bold. They’ve chucked everything and started fresh with only one card – the new Discover it® Card. (Yes, lowercase, don’t ask me why.) No longer promoted are the Discover More, Motiva, Open Road, Escape, and Miles cards.

In fact, you may want to convert your old Discover card to this one. The new card is a definite improvement over the old products, with many positive changes in direct response to the competition. Here are the highlights:

  • 5% cash back on rotating categories. My favorite feature. As with the Discover More card, you’ll get 5% cash back from select categories each quarter. From April to June 2014, get 5% cashback on up to $1,500 in purchases in Home Improvement Stores, Furniture Stores, and Bed Bath & Beyond.
  • 1% flat cashback on all other purchases. Previous cash back cards had an initial tier that only gave you 0.25% cash back on the first $3,000 in purchases, and then 1% after that. They’ve finally matched competitors and went for 1% flat.
  • Free FICO score every month. You get a free official FICO score, updated every month, shown on your billing statement.
  • Late payment forgiveness. There is no late fee for your first late payment, and your APR won’t automatically increase either. You can also pay-by-phone for free, up to midnight Eastern on your due date. We all make mistakes, so this is a nice addition.
  • Human. 100% U.S.-based customer service available any time. Guides a free, personalized online tour to help you get the most rewards for how you use your card. Instead of an intentionally-complicated robot phone tree, you can now select at any time to go straight to a human. I’m a little bummed that this has to be touted as a feature, but sadly it is…
  • No annual fee, no fee for going over your limit.
  • 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% – 22.99%.  A fee of 3% applies for each balance transferred.
  • No foreign transaction fee. Discover is not accepted very widely in Europe, although it works anywhere you see the Diners Club International Logo. However, it is one of the best cards for Asia, especially China and Japan. You can use your Discover anywhere you see a China Union Pay, JCB, or Diners Club International logo.
  • Silly things. Things that shouldn’t matter, but still might. The card arrives via UPS/FedEx mail in a sleek-looking box. The card front is made to look like brushed stainless steel with no raised embossing – your name and card number are only on the back. I wonder where they got that idea?

Is it really a game-changer? Well, no. It’s not quite “one card to rule them all”, but it does combine the good bits from several other popular cards (Chase Sapphire, Chase Freedom, Citi Simplicity) to create a competitive offering. I like the 5% categories that are usually pretty broad and useful.

Discover is still the underdog to American Express/Visa/Mastercard, but it has its own perks. There are bonuses above cash back value for certain gift card redemptions. Their ShopDiscover cashback portal also often has the highest percentages for online shopping merchants, like 10% at Sears, better than eBates and such. Finally, Discover card has a lot of consumer features like return protection and an extended warranty that extends the manufacturer’s warranty for up to an extra year.

Basically, this Discover card is certainly improved and a worthwhile addition to your wallet, although rewards geeks like myself probably won’t it the only card in our wallets. ;)

Existing cardholders. I have not gotten any communication from Discover that my existing cards will be converted to an “it” card automatically. Readers report that if you call them up, they will convert you to the new card manually for free. You get to keep your same card number and thus credit history. Certain people with annual fee miles-type cards or those doing a 0% balance transfer promotion may prefer to stay, but again I think this card is definitely better than the plain Discover and Discover More cards.

Navy Federal Credit Union No Balance Transfer Fee Promotion 2014

navyfedlogoNavyFed Credit Union has a limited-time promotion going on until Sunday, April 20th where if you do a balance transfer from an external financial institutions to your existing Navy Federal card, you’ll get a fixed 0% promo APR for 12 months with no balance transfer fee. It is unclear if this offer is targeted to specific e-mail recipients as it is not mentioned on the home page, but I’d definitely call in and ask if interested.

Membership eligibility for NavyFed is primarily restricted to military personnel including Army, Marine Corps, Navy and Air Force – including retirees and family members – but also includes some civilian employees in the Department of Defense. Similar previous offers from NavyFed have used “existing” in their terms to suggest that new credit card applications are ineligible, but that wording does not appear on this offer.

There has never been a better time to consolidate your high rate balance to your Navy Federal Credit Card. You’ll save more, thanks to no balance transfer fees1 and a 0% fixed intro APR2 on balance transfers for 12 months. After that, a variable rate between 7.99% APR and 18% APR applies.1

This is a solid offer as it has been harder to find a no balance transfer fee 0% APR offer these days even though interest rates are still relatively low. However, you’ll note that Chase is not mentioned in their little balance transfer fee comparison chart as the Slate® from Chase is also currently available with a 0% introductory APR on both balance transfers and purchases for 15 months with $0 balance transfer fee and $0 annual fee. All you have to do is initiate your balance transfer within 60 days of opening the account.

Either way, both cards are good opportunities to lower the interest rate on your existing balances and accelerate any debt payoff plans.

Southwest Airlines Rapid Rewards Premier Credit Card Review: One Roundtrip Flight + Companion Pass Info

Southwest Airlines Rapid Rewards Plus Credit Card Banner

southwest cardSouthwest has brought back their 25,000 bonus point promo for the Southwest Airlines® Rapid Rewards® Premier Credit Card. That’s worth 1 Roundtrip Flight (over $350 in airfare with no limited-capacity seating hoops or $250 in Amazon.com gift cards) after you spend $1,000 in the first 3 months of opening your account. Another opportunity to *save* money with credit cards as opposed to losing it paying interest. There is a $99 annual fee that is not waived the first year.

Perfect Timing for 2014/2015 Companion Pass
Since 2014 just started this is the perfect time to get their Rapid Rewards Companion Pass which allows you to designate one person to fly with you for free (person can be changed 3 times). To qualify, you must earn 110,000 points in a calendar year, and yes credit card points count! If you earn the status early in 2014, you can use the Companion Pass for the rest of 2014 and all of 2015. The companion pass even works on award tickets!

How to get to 85k points? Besides a lot of spending or flying, the small business version of this card has a 50,000 point bonus. Spend $5,000 on each of these two cards and you’ll qualify for both the 50k bonus and 25k bonus plus the 10k from spending for a total of 85,000 Rapid Rewards points. (You can spend less if you take some paid Southwest flights anyway.) Those 85k points will be worth over $1,000 in airfare split up into however many flights you want + a free companion pass which can effectively double the value.

More Details
The huge “1 roundtrip flights” banner on the Southwest Airlines® Rapid Rewards® Premier Credit Card application page is based on the fact that one round-trip $416 Wanna Get Away fare would cost about 25,000 points. In reality, the value of the bonus is over $400 in Southwest airfare broken up however you like. Any free Wanna Get Away fare is eligible, so this bonus is very useful for Southwest fliers. If you take shorter flights or wait for a fare sale, this could easily be worth multiple roundtrip flights. 25,000 points can also be converted to $250 in gift cards to Amazon.com, Wal-mart, and other retailers.

Currently 60 points = $1 worth of Wanna Get Away airfare, which means you get 1.67 cents of value per point. Starting March 31, 2014, it will take 70 points per $1, or 1.43 cents of value per point. This means 50,000 points = $714 worth of Wanna Get Away airfare after the change. Southwest is still offering two free checked bags.

  • Get 25,000 points for 1 ROUNDTRIP FLIGHT after you spend $1,000 in the first 3 months of opening your account. Government fees as low as $5 not included.
  • Get 6,000 points after your Cardmember Anniversary.
  • Earn 2 points per $1 spent on Southwest Airlines® and AirTran® Airways purchases made directly with the airlines and on Rapid Rewards Hotel and Car Rental Partner purchases.
  • Earn 1 point per $1 spent on all other purchases.
  • Redeem points for gift cards, car rentals, cruises, hotel stays, and international flights to over 800 Destinations on 50+ global carriers.
  • No foreign transaction fees

Fidelity Investments American Express – 2% Flat Cash Back

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(Update: Here’s a link to a new promotion which is offering $75 in points after $500 in purchases within 60 days. Not the best sign-up bonus, but this is for a solid everyday card. Details below.)

fidoamexWith the ending of the Schwab card, Fidelity Investments is the only brokerage offering 2% cash back on all purchases on their Fidelity Rewards American Express cards. There are three flavors, depending on if you want the money deposited into a Fidelity taxable account, an IRA, or a 529 college savings plan. I personally have mine deposited into a 529 although I don’t think Fidelity’s 529s are the best… that way I can see the growth of this rewards money. An IRA would be too confusing for me due to the stringent contribution limit rules. (If you’ve maxed out the limit, they say that they will automatically defer the rebate until the next year. But what if you have a partially phased-out limit due to income, and your limit is reduced to $2,350? How would they know that?)

In terms of catches, there are no only minor ones. First, to get your 2% value the money must be deposited into a Fidelity account. It appears that their new Fidelity Cash Management account has no opening minimum, but if you want to make some trades the Fidelity brokerage account you will need $2,500 to open that (no ongoing minimum balance requirement). I would open your Fidelity account first to make sure you have no issues.

Second, the rewards only come in $50 increments:

Customers earn 2 points for each $1 in net retail purchases. Once you reach 5,000 points, they can be redeemed automatically or on demand for cash at a 1% exchange rate into an eligible Fidelity account (i.e. 5,000 points = $50 deposit).

So a $49 rewards balance = $0 in your pocket. It will roll over each month until the balance goes above $50, when the entire thing (i.e. $62.54) will arrive in your Fidelity account. Then the $50 hurdle kicks back in.

Finally, it is an AmEx and not a Visa/Mastercard, but I’ve found the number of merchants accepting American Express much improved since 10 years ago although there are still gaps in areas like utilities, insurance, and small mom & pop restaurants and stores. No annual fee.

Barclaycard Arrival World MasterCard Review: $400 Bonus Value + 2.2% Cash Back Towards Any Travel

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(Update: The spending requirement to get this 40,000 point bonus has increased from $1,000 within 3 months to $3,000 within 3 months. This makes the offer more aligned with the Chase Sapphire Preferred card with a similar 40,000 point bonus. So if you’ve been on the fence, now might be a good time to apply.)

The new Barclaycard Arrival(TM) World MasterCard® – Earn 2x on All Purchases is a new premium travel rewards card with a nice sign-up bonus and also works out to 2.2% cash back towards travel. This results in card that may be the best option for people who like to travel but aren’t loyal to any specific airline program.

Sign-up Bonus: 40,000 miles = $400 off your next trip
There is a limited-time sign-up bonus of 40,000 miles after you make $3,000 in purchases in the first 90 days from account opening. This is double the previous bonus of only 20,000 miles. 40,000 bonus miles equates to $400 off your next travel redemption!

Rewards Structure: 2.22% Cash Back Towards Any Travel
With this card, you earn 2 miles per $1 spent on all purchases; no special categories. These miles (easier to think of them as points, really) are then redeemable towards travel booked from any merchant or retailer classified as Airlines, Travel Agencies & Tour Operators, Hotels, Motels & Resorts, Cruise Lines, Passenger Railways and Car Rental Agencies.

On top of that, the card gives you a 10% miles rebate when you redeem for any travel. So in that 40,000 redemption example above, you would actually get you 4,000 back for a net cost of 36,000 miles. Getting $400 of value out of 36,000 miles at 2X miles/$ spent works out to 2.22% cash back towards any travel. That is very high in terms of easy conversion to cash value.

Card Summary

  • Earn 40,000 bonus miles when you spend $3,000 or more on purchases in the first 90 days from account opening. 40,000 bonus miles equates to $400 off your next travel redemption!
  • 0% intro APR on purchases and balance transfers for the first 12 months after account opening. After that, variable APR, currently 14.99% or 18.99%, based upon your creditworthiness
  • Earn 2X miles on all purchases
  • No mileage caps or foreign transaction fees
  • Get 10% miles back when you redeem for travel statement credits (i.e. redeem 25,000 miles for travel and get 2,500 miles back)
  • Use your card to book through any airline, hotel or discount travel engine with no blackout dates or seat restrictions
  • Easily redeem your miles for statement credits towards all or a portion of your travel purchases within the last 90 days
  • Complimentary online FICO® Score access for Arrival cardmembers

There is a $89 annual fee that is waived for the first year. Balance that with the $400+ opening bonus + 2.22% cash back the first year, and the ongoing 2.22% cash back past the first year. There is also a Barclaycard Arrival(TM) World MasterCard® with no annual fee that is similar but has a lower 20,000 bonus miles but only 2X miles on travel and dining purchases as opposed to all purchases. I will probably try to downgrade the card to the no annual fee version after a year if I don’t think the 2X miles is working out for me. Barclays does offer instant approval; if you don’t get it call their credit analyst line at 1-866-408-4064.

Square Cash: Send/Request Money Via Debit Card For Free + $1 Carrot

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square1Square, known for helping people accept credit cards with smartphones, has expanded another feature called Square Cash. Yes, it’s yet another attempt at simplifying person-to-person payments, but this time all you need is e-mail and a debit card number. No accounts to open, no passwords to remember, and no fees either.

To request money, just send an e-mail with the following fields:

To: [one or more email addresses]
Cc: request@square.com
Subject: You can write whatever but include $ [amount]

To send money, just send an e-mail with the following fields:

To: [one or more email addresses]
Cc: cash@square.com
Subject: $ [amount]

That’s it, the Square website walks people through the rest. I found it pretty interesting that you can both deposit and withdraw money via debit card. If this stays fee-free then I could actually see myself using this between friends and family. iPhone/Android app also available, but not necessary (it just helps you compose the e-mail).

Right now, Square Cash will give you $1 to try it out. Your debit card number will then be associated with the e-mail address you provided from then on for future payments (unless you change it).

Discover Card 5% Back at Chevron and Texaco Gas Stations

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Just saw this today while filling up at a Chevron. Discover cardholders can get 5% cashback at Chevron and Texaco gas stations from now until March 31st, 2014. Subject to a cap of $250 in purchases. Must sign up first by going to Discover.com/chevron and then logging into your online account. The next screen should look like this:

discoverchevron

This is in addition to the standard 5% back categories on the Discover it card, currently 5% back on up to $1,500 in purchases at restaurants and movies for 1st quarter of 2014. The Chase Freedom card also has gas stations as one of their 5% back categories for Q1 2014 if you have that card (good for up to $1,500 in purchases).

Beware Recurring Preapproved Payments on PayPal – Skype Account Hacked

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Tonight, I got several email confirmations for separate €25 Paypal payments to “Skype Communications Sarl”. Thing is, I haven’t used Skype in years. At first I thought it was just another phishing attempt. But the domain on the e-mail checked out. I logged into my account (manually) and saw that multiple $35 charges did indeed go through. How? Was my PayPal account hacked? I changed my password, and then another unauthorized payment went through!

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Long story short, it was my Skype account that was hacked. I didn’t even know this, but PayPal has a program of “preapproved” payments where a merchant can repeatedly charge your account without the need to type in your PayPal password. This is meant for monthly subscriptions and the sort. Although I have bought credit from Skype before, I don’t ever recall signing up for any of these subscription-style plans at any merchant. My suspicion is that it was buried somewhere into a default checkbox that I didn’t undo, or worse it was just hidden in the terms and conditions fine print. (I am usually really careful about this sort of thing, so I am quite mad at myself!)

Lesson #1: If you use PayPal at all, check your preapproved merchant list immediately. To find this list, log into your account and then go to My Account > Profile > My money > My preapproved payments. You should see a screen like this:

paypalpre

My recommendation is to make every single one inactive immediately. If not, you should treat your accounts at those merchants as carefully as your bank accounts, because they literally have access to every linked bank account and credit card at PayPal. I had no idea that buying one joke bumper sticker from Zazzle in 2009 could be the equivalent of an open wallet.

Apparently, I’ve been vulnerable for years but I never noticed until now. I bet there are a lot of abandoned Skype accounts with simple or unsecure passwords. The criminals gain access, change the linked e-mail and password so the original owner has no access, and can then sell or use the Skype credit. There are also several other reports of unauthorized Skype/Paypal charges on the Skype forums.

Lesson #2: Never use PayPal to buy things online instead of a credit card unless absolutely necessary, usually for eBay. The big thing is that Paypal is NOT regulated like banks or credit cards. There is no federal law that says you are not liable for unauthorized PayPal charges. Instead, they just claim that you are “protected” when in reality they have all the power to decide if you ever see your money again. I had to open a dispute with PayPal online as they don’t have 24/7 customer service (again, unlike credit cards). If I had just used a credit card, even if the number was stolen, I could be confident that I would get my money back in a timely manner. I’ve already had other bad experiences with PayPal, but we’ll see what happens.

Slate from Chase: 0% APR For 15 Months + NO Balance Transfer Fee for 60 Days!

Slate from Chase Visa

Updated. If the new year has motivated you to tackle those credit card balances, here’s the best offer available from any bank even including credit unions… 0% APR on both balance transfers and purchases for a full 15 months, with no balance transfer fee and no annual fee.

Limited-time no balance transfer fee offer! The Chase Slate® is now available with 0% introductory APR on both balance transfers and purchases for 15 months, and the best part: $0 balance transfer fee! There are different flavors of this card, but you should see it mentioned right at the top of this specific offer link. You can literally borrow money or transfer existing balances for free and pay it back in 15 months with no interest (keeping in mind you’ll still need to satisfy the minimum payment each month until then). $0 annual fee.

It is very rare these days to find a no balance transfer fee 0% APR offer that is available to all (as opposed to being targeted only to specific customers). You can verify in the Pricing & Terms section of the application, down in the Fees box:

None on transfers made within 60 days of account opening. All other transfers: Either $5 or 3% of the amount of each transfer, whichever is greater.

Make sure you initiate that balance transfer within the first 60 days.

Lower your interest on balances!
This is a great opportunity for those people with good to excellent credit but are still working hard to lower their debt payments, as now you can have all your money applied directly into cutting down your principal instead of having it go towards interest and/or fees. The 0% APR applies to new purchases as well, so your balance owed will go down that much faster and you won’t have to worry about interest until well into 2016.

Chase Blueprint is a free feature on select cards that lets you break down your balances into things that you want to pay in full each month and bigger purchases that you wish to pay off over time. A gadgety feature, but if at all possible I say nuke those balances completely!

If you wish to get cash from this balance transfer offer without it being classified as a “cash advance”, one option that has worked for me is to ask for the balance transfer as a check or electronically transferred to your bank account. Just call the number on the back of your card after you get it and tell them you’re trying to pay down debt that’s not on another card.

  •  Slate® from Chase application link

“Disclaimer: This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program.”