Money Blue Book

Promo Code Links Are Added and Updated Regularly!

Bank of America is the second largest bank in the United States in terms of total account value so needless to say, they must be doing something right. Like other major banks such as Citibank and Wachovia, Bank of America often releases new promotions to attract new deposit customers. The bank is obviously willing to spend money to get their hands on yours, in a good way of course.

As with most bank promotional offers, there are certain basic and fairly benign rules attached. To qualify for most of Bank of America’s free money offers for new accounts, you will usually have to open a new checking or savings account with a certain minimum deposit. Afterwards, you are usually required to make a few electronic transactions such as setting up direct deposit or executing a few online bill pays. Obviously, the bank is hoping that by requiring you to make a few transactions that you will grow comfortable with their banking services and ultimately choose to remain on as a long term customer. The promotions are usually limited to only those new to Bank of America – thus, former or current account holders are ineligible to apply or take part. Holders of Bank of America credit cards are okay and are not excluded.

If you one of the select people out there who has never been a Bank of America customer and you are interested in one of the offers listed below, you may want to give them a try. These offers come and go so what may only be one or two deals today, can easily be expanded into several in the next few weeks or months. I will update this list of promo code offers whenever Bank of America releases a new one. Please let me know by dropping a note in the comment section if I’m missing or need to update the information for any BoA deal. Keep in mind, while these promos are advertised as limited time offers, they are often extended past the original expiration date. One thing to note – Bank of America does perform a hard credit inquiry (as opposed to a soft credit check) to approve your first checking account.

Verified Free Money Promotions Offered By Bank Of America:

1) Free $50 Bonus Promotion With A New Checking Account – Offer Code: AOU260708 (active)

“Welcome to the Neighborhood” is the theme of this BoA promotion. For a limited time, if you open a new personal checking account with Bank of America, you’ll receive a bonus deposit of $50. Current expiration date: 12-31-08. To qualify for this free money offer, you must complete the following:

• Open a regular Bank of America checking deposit account by applying online, or printing out the checking account bonus offer and bringing it to a Bank of America location. The minimum deposit required to open a new, personal checking account and receive the $50 bonus offer is $100.
• Please note that there may be a small monthly maintenance fee imposed depending on the type of checking account you opt to open (schedule of fees). If you choose to open a Regular Checking account, one of the most basic options offered, the monthly maintenance fee is $7 with a direct deposit, and $8 without. The fee is waived if you maintain a minimum Regular Checking balance of over $750.
• A much better no hassle option is to open a MyAccess Checking account online. Ordinarily, the basic MyAccess Checking Account has a $5.95 monthly maintenance fee waivable with at least one qualifying direct deposit each statement period. However, through a special offer available only online, the MyAccess Checking Account may be opened with no monthly maintenance fee and no minimum balance. However, this special offer is available only through their website and not available at Bank of America financial branches. A downside of this particular account is that it is a non interest bearing account. Most checking accounts that pay interest require high minimum balances.
• Student checking accounts and secondary checking accounts are not eligible. Existing BoA customers are not eligible.
• The bonus reward will be deposited within 90 days of opening your new account.

2) Free $75 Promo Offer With A New BoA MyAccess Checking Account – Offer Code: CH75TAD (active)

To specifically promote its MyAccess checking account service, Bank of America is offering $75 bonus offers for people who open a new MyAccess checking account online. The expiration date for this offer is: 11-30-08. To qualify for this free money offer, you must compete the following very easy steps:

• Open a new MyAccess personal checking account online with the offer code or the link above. Other than the minimum deposit required to fulfill the promo terms, the MyAccess personal checking account has no minimum balance requirement, no maintenance fee, and no direct deposit required.
• Fund your new checking account with at least $25 within 30 days of opening.
• So long as the new account is still active within 90 days of account opening, you will receive a $75 credit made to your account.
• This offer is targeted at current Bank of America credit card holders and those new to Bank of America banking services. Unfortunately, current BoA checking account or student checking account customers are disqualified from the promotion.

While most of the other more lucrative $200 and $100 new account offers have expired after numerous long extensions, I’m sure once the economy and the banking market picks up, the free offers will start rolling out again.

Updated! Citibank is the biggest banking institution in the United States and has branches and ATM’s everywhere. Since they signed a deal with 7-11, their ATM banking reach has soared nationally and worldwide. As one of the most popular banks, Citibank is well known for promoting a variety of free cash and free Citi Thank You reward offers for new deposit account customers. That’s actually how I became a Citi banking customer years ago in the first place – by taking advantage of one of their promotional reward offers. The bank promotions are only available to first time Citibank checking and savings account holders. Persons who currently have or at any time have had a deposit account at Citibank are generally not eligible. Owners of Citi credit cards on the other hand are not disqualified.

As with all free promotions, there are several generally applicable rules to follow. Most of the deals are structured and laid out similarly – starting with a minimum funding requirement and followed by several reward tiers dependent on the completion of a certain number of banking transactions. Usually the offers require the new account customer to complete a certain number of direct deposits and online bill pay transactions. Both direct deposit and bill payment are free so customers need not worry about incurring any extra finance or transaction charges. Other than needing to fund the new accounts with a minimum balance and complete a few banking actions, there are no risks to opening a new checking or savings account. Citibank no longer does a hard credit pull when opening a new bank account, opting to perform a Chex System screen instead in situations where no request for overdraft protection has been made. Do keep in mind however that online payments for Citibank credit cards are treated like internal transfers and are usually not counted towards the bill payment requirement for promo offers.

For the Citibank offers listed below, you have the option of opening the new accounts online by accessing the application links or you can phone in your application by calling Citibank direct. Be sure to provide the customer service representative the desired Citibank promo code. Past Citibank offers such as the iPod shuffle promotion and a few other $100 to $200 offers have all come and gone, but new promotions are constantly being released and marketed. I will post and update this guide with new free offers as I become aware of them. Keep in mind, while these promos are advertised as limited time offers, they are often extended past the original expiration date. Please let me know by dropping a note in the comment section if I’m missing a Citibank promo code or need to update any offer information.

Verified Promotional Offers For New Citi Checking And Savings Accounts:

1) Free $100 Citibank Regular Checking Account Offer – Offer Code: CY73 – Active!

• To qualify for the free bonus offer, open a qualifying Citibank regular checking account online or via telephone (1-800-374-9500), and fund it with a minimum of $1,000 by 12/31/2008.
• The new Citi checking account must in a Citibank Account, Citibank Everything Counts or Citigold bank account relationship package.
• Within the first month after your account is opened, make at least one direct deposit into your new account or make at least two electronic bill payments from your account each month for three consecutive months.
• The $100 reward will be deposited into your Citibank checking account within 120 days from the end of the statement period in which you met the qualifying requirements.
• This offer is only available to Citi card members who are the primary credit card account holders and is not valid for existing Citibank checking account customers.

2) Free $200 Bonus Offer With A New Checking Account – Enter Offer Code: CEMX – Expired

This new offer is simply the former $200 Citibank promo offer “CYAN”, except with a new four letter code and a new expiration date.

With this promo offer, Citibank is offering a $200 bonus for new Citibank checking account customers. As with most Citibank offers, this one is only available for first time Citibank deposit account customers and will be paid only once to any individual. Persons who currently have or at any time have had a deposit account at Citibank are not eligible. You can inquire and apply for the offer by calling Citibank at 1-800-374-9500, visiting their website, or stopping by any of their Citibank Financial Centers. Be sure to mention the offer code CEMX when prompted to do so. To qualify for the free offer you must:

• Open and fund a qualifying Citibank regular checking account using the offer code with a minimum initial deposit of $1,000 or more by the expiration date of 6-30-08. The EZ Checking account does not qualify for this offer. To earn the free money bonus, you will need to open either a Citibank Account, Citibank Everything Counts, or a CitiGold checking account.
• To Earn The First $100 – Starting no later than the calendar month after the month in which your account was opened, you need to make a direct deposit or at least two electronic bill payments from your new account each month for three consecutive months. The $100 bonus will be credited to your new checking account within 120 days from the end of the statement period that you met the qualifying requirements.
• To Earn The Second $100 – If you continue making a direct deposit or at least two electronic bill payments each month for the next three consecutive months, you can qualify to earn an additional $100 bonus deposit.

3) Free $150 In Gift Cards and Triple ThankYou Reward Points With A New Checking Account – Offer Code: CSVL – Expired

If you apply and qualify for this dual Citibank offer, you’ll have the potential to earn 16,000 Citi Thank You Reward Points, redeemable for $150 in gift cards. To qualify for the triple ThankYou Points offer, you will need to do open and enroll a new qualifying Citi checking account into the Thank You Network. For twelve months, your qualifying debit card purchases and relationship accounts will earn triple Thank You reward points. You can qualify for either or both the $150 gift card and triple reward point offers, but can only utilize the same Citi checking account only. Unfortunately, as is usually the case with such promotions, this dual offer is only available to new Citibank customers.

• To qualify for the free Thank You Points offer, you must open a brand new qualifying Citibank checking account by 7-31-08 and deposit at least $1,000 by the expiration date. Your expiration date to properly fund your account will depend on your method of opening your new banking account. Qualifying Citi checking accounts opened through Citibank Financial Centers must be funded by 7-31-08. Citi checking accounts opened remotely through Citi Phone Banking or through the Citibank Online website can wait until 8-31-08 to be funded.
• The new qualifying Citi checking account has to be either a Citibank Account, Citibank Everything Counts, or a Citigold Account.
• Within 60 days of account opening, you must (1) enroll your new checking account in the Thank You Rewards Network and (2) complete one direct deposit per month, two electronic bill payments or five signature debit card transactions and continue for three consecutive months.
• Electronic bill payments, whether online or via phone banking, cannot be made to or consist of transfer payments made to accounts within the Citibank credit card or banking network.
• After all offer terms are satisfied, 16,000 bonus Thank You points will be rewarded within 120 days. The points can be redeemed for the equivalent of $150 in gift cards or other rewards available through the ThankYou Rewards Network.

4) Free $200 Bonus Promotion With A New Checking Account – Offer Code: CYAN (Enter It Manually) – Expired

• This expired promotion has been replaced with CEMX (see above).

5) Free Pair Of Round Trip Airline Tickets With A New Checking Account – Promotion Code: CP74 – Expired

This offer requires a new Citibank Checking Account and a new/existing Citibank Savings Account. This promotion requires a lot of upfront money (minimum initial deposit of $25,000), but the payoff is excellent – you get to earn 40,000 Thank You Points with this bonus reward offer redeemable for two free round trip airline tickets. Plus, you can always withdraw your funds after you receive you bonus reward. To qualify for the free offer you must:

• Open a Citibank regular checking account by the expiration date of 5-16-08, link it to a new or existing Citibank Ultimate Savings Account, and complete qualifying banking activities to earn 40,000 Thank You reward points.
• The qualifying transactions include: depositing $25,000 or more into your Citibank Ultimate Savings Account, funding your checking account with $1,000 and enrolling it into the free ThankYou Rewards Network.
• Thereafter you can get your 2 round trip tickets to anywhere in the continental U.S. (up to $400 value each) by redeeming your 40,000 ThankYou Points.
• To apply by phone, call 1-888-214-0018 and mention code: CP74.

6) Free $50 Bonus Offer With A New Checking And Savings Account – Promotion Code: CYAP – Expired

This promotion requires first time Citi customers to open a new Citibank Ultimate Money Savings Account and a new Citi EZ Checking Account. To qualify for the free offer you must:

• Open a new Citibank Ultimate Money Account and a new Citibank EZ Checking account online or by phone (1-877-624-9600). You must fund the Ultimate Money Account by the expiration date of 4-30-08 using the promotion code CYAP.
• No later than the calendar month after the month in which your account was opened, you must make at least 2 electronic bill payments each month for 3 consecutive months.
• $50 will be credited to your regular checking account within 120 days from the end of the statement period in which you met the above requirements. Your Ultimate Savings Account and checking account must be in good standing at the time of the $50 credit.

I think most people are aware to a certain degree that it’s important to maintain a healthy credit score. To financial institutions, mortgage brokers, landlords, and even employers, it’s a quantifiable measure of your reliability when it comes to money. The formulated number represents your credit worthiness and the degree to which you are able to take on debt. Most banks and lenders utilize your credit score to determine how much interest they must charge you to compensate them for the risk of extending you credit. It impacts everything from applying for a home mortgage loan to getting approved for a routine balance transfer credit card. The lower the score, the higher the risk, and thus the higher the interest rate imposed to compensate for the likelihood of default. Especially during a time that the credit markets are getting battered, it’s more important than ever to know your credit situation. It never hurts to keep tabs on your report, and to find ways to improve your credit score, since you never know when you may need to call upon your good credit. Remember, monitoring your own credit report is not considered a hard credit check, so you don’t have to worry that it will hurt your credit score.

To combat the rise of identity theft and to give people more control over their credit lives, the Fair Credit Reporting Act offers consumers access to one free copy of their credit report every 12 months from each of the nationwide credit reporting agencies – Equifax, Experian, and TransUnion. This free credit report is available only through the official free credit report website, however, the free annual report does not include a free credit score. That has to be separately obtained by the applicant. But fear not – there are ways to get your credit score for free and inexpensively. If you don’t mind taking advantage of liberal free trial periods or even applying for a credit card offer, then you have options at your disposal.

The FICO Credit Score Is What You Want – All Other Credit Scores Are Impostors

I’m personally obsessed with the FICO score, but that’s because I see it as the most widely adopted and uniform measure of credit worthiness. However, there are numerous types of competing credit scores out there as well. The major credit reporting agencies have all developed their own credit scoring mathematical formulas and tried to push their scoring systems into the marketplace. However, those alternative scores are all currently useless imitations – mere feeble attempts to avoid having to pay royalty fees for using the most established scoring system of them all – the FICO credit score, developed by the Fair Isaac Corporation. The FICO score is comprehensive and takes into consideration your entire credit history, current debt, payment history, account makeup, and all credit related activity. The FICO score that is produced ranges from 300 to 850, with 300 representing the worst credit score imaginable and 850 representing the positive end of the scale. Generally, any FICO score that is 700 or higher is regarded as very good and decent enough to secure favorable terms on credit applications.

Avoid The Fake Credit Scores (Also Known As Fako’s) Such As TransUnion Score, Experian Plus Score, and the VantageScore

The variety of credit scores out there can be rather confusing at times and the credit reporting agencies do their job of making things extra cloudy to trick consumers into buying their brand of credit scores. On top of that, many people seem to confuse FICO scores with FICA’s, which is something else completely. The FICA score is a similar sounding acronym in the world of personal finance that people sometimes confuse with FICO.

Regardless, the FICO credit score is the genuine article and the only one I personally care about when I request my credit report and score. The FICO score can be obtained separately from each of the major credit reporting agencies, Equifax, TransUnion, and Experian. Upon request, each pulls up all of the credit history information they’ve recorded to formulate a number based on the FICO scoring system. But keep in mind, if you request from the wrong place, the score issuer may end up trying to sell you a TransUnion Score, an Experian Plus score, or the jointly developed VantageScore. These alternative scores are similar to the FICO in methodology but their scoring numerations are different. For example, the VantageScore ranges from 501 to 990. It was developed by the three major credit reporting agencies as a competitor to the FICO, but the score is not commonly accepted and remains unproven. Until the VantageScore become more popular and broadly adopted, I recommend that you avoid this particular score, and stick with the FICO. Never blindly assume you are getting a FICO score – always make sure it says FICO, and not just simply “credit score”. You want to request consistent and universal scores over time so that you can compare apples to apples, and not apples to oranges.

The Process Of Obtaining and Finding Out Your Free FICO Credit Score

When you start searching for a way to review your FICO score for free, you will probably come across a lot of online businesses offering you a free score. However, these free scores typically require you to sign up for a particular credit service, usually some type of credit monitoring report that will alert you to any suspicious activity or changes in your credit history file. For those who want to diligently stay on top of their credit scores or anticipate needing credit in the next few months, these services may provide you with worthwhile fraud and credit improvement protection, but they usually also come with a monthly fee. To take advantage of these free trial services for the complimentary period (usually 30 days), you will usually have to give the company your credit card number upfront before you can view your FICO score. I’ve personally obtained my FICO score for free before with no problem by signing up for free trial offers, and canceling the service before the end of the trial period to avoid getting billed. It’s not that difficult – just make sure you cancel in time. Sometimes the companies make it a little harder for you to cancel by requiring the account to stay active for a few weeks, or require that you use their slow customer service phone number instead of canceling online, but there will always be a way to cancel before the trial deadline is up.

There are plenty of companies out there that purport to offer free FICO credit monitoring or credit score viewing trial periods, but I recommend that you stick with the more established sites such as MyFICO (for more information, please read the MyFICO Review). This is to avoid stumbling onto scam sites or falling prey to dishonest companies. You want to be extra careful because you will be handing over your social security number, name, and address to verify your identity. As for those who have a ethical problem with signing up for a service with the expectation of canceling, you may wish to refrain. As for me, I have an interesting track record of taking advantage of great store return policies, so this is nothing new to me. Apart from the free myFICO credit score offers listed below, if you are interested in checking or tracking your FICO for the long term, I highly recommend that you utilize myFICO promo codes for maximized discount savings.

Here Are My Recommended Ways To Get Your FICO Credit Score For Free (Or At An Affordable Low Cost):

1) Washington Mutual ESPN Credit Card – Free Monthly FICO Credit Score (TransUnion) – Washington Mutual bank credit cards currently offer free continuous monthly online access to your FICO credit score through TransUnion. Your credit score is automatically updated on your WaMu online account each month for free. With the ESPN Total Access Wamu credit card offer, you can also earn 5 points per $1 spent on purchases from ESPN and 1 point per $1 spent everywhere else. The card is also offering a 0% APR rate for both balance transfers and purchases, with no balance transfer fee. Not a bad credit card to have even if you only keep it for the credit score perk. Keep in mind that because the score is only from one agency, the FICO score may be slightly different from what you might receive from other reporting agencies – but that’s normal.

2) MyFICO Score Watch – Free 30 Day Trial Period (Equifax) - If getting a free monthly FICO credit score with your Washington Mutual card is not an option for you, you may try to take advantage of MyFICO’s free credit trial periods. The biggest advantage is that all credit scores you order from MyFICO are all genuine FICO’s. With the 30 Day Free MyFICO Score Watch, you get an Equifax credit report and corresponding FICO score for $8.95 per month. There is a 30 day free trial available. If you forget to cancel within 30 days, there is an annual payment of $89.95. Don’t forget!

3) Equifax Credit Watch Gold 3-In-1 Monitoring With Score Power - Free 30 Day Trial Period (Equifax) – This deal offers you a free 30 day trial period. If you choose not to cancel after the free trial, you will be billed $14.95 a month. With this offer you will receive your free FICO score from Equifax and a one time 3-in-1 credit report from all three credit agencies – Equifax, Experian and TransUnion, as well as unlimited access to Equifax credit reports. Don’t forget to cancel if that’s what you were planning to do!

4) MyFICO Quarterly Monitoring - $4.95 A Month (TransUnion) – If you’ve used up the above options, you may want to consider the MyFICO Quarterly Monitoring package. You can cancel after the first month, but for this one you’ll have to pay the small monthly fee. With this package you get a TransUnion credit report and a genuine FICO score provided by TransUnion every 3 months. The cost is $4.95 a month, but if you cancel within the first month, your only cost is only $4.95. Still pretty affordable if you ask me. If you want quarterly tracking for a year, it’s also available for one annual payment of $49.95.

5) TransUnion CS 3-In-1 Credit Report With FICO - $34.95 For One FICO Score From TransUnion and All 3 Reports (All 3 – Experian, Equifax, and TransUnion) – This offer provides you all three credit reports from all three major credit reporting agencies, but it only provides you one FICO credit score from TransUnion. There is no trial period. As I’ll explain later below, TransUnion Consumer Solutions offers genuine FICO scores, unlike its evil twin sibling, TransUnion.com.

6) MyFICO Standard Score and Report - $15.95 For One FICO and One Report (Choice Of One – Experian, Equifax, or TransUnion) – With the FICO Standard product from MYFICO, you can choose an individual FICO credit score and credit report from one of the big three reporting agencies – Experian, Equifax, or TransUnion. The above options are cheaper choices for Equifax and TransUnion but this option is the cheapest FICO option for Experian.

7) MyFICO Credit Complete – $47.85 For All 3 Credit Reports And All 3 FICO Credit Scores (All 3 – Equifax, TransUnion, and Experian) – If you want to know your complete credit status, you will need a service like MyFICO’s Credit Complete. There is a one time $47.85 fee or an annual purchase subscription of $42.84 (you can always cancel to stop the automatic annual repurchase). Unfortunately there is no free offer, but this is the genuine FICO deal if you want your complete credit information from all three agencies. If you are looking to buy a house or something major, you may want to order this at least once.

8) Suze Orman’s MyFICO Platinum Kit - $49.95 (Same Deal As MyFICO Credit Complete) – If you love financial guru Suze Orman and want to make her rich, you can always go with this option. Of course, keep in mind that this is the same as the MYFICO Credit Complete offer in that they both provide you 3 FICO credit scores and 3 credit reports from the major credit reporting agencies. The interesting catch is that Suze’s Kit is slightly more expensive at $49.95. If you idolize her financial prowess and want to use her endorsed product, then go right ahead. However, I don’t particularly recommend it over the other cheaper options. No offense, Suze.

Credit Score and Credit Report Programs To Avoid Like The Plague:

1) FreeCreditReport.Com – This site is the biggest advertiser on television for credit report services and it’s also the most misleading. Calling it a complete credit scam may be a bit much, but its deceptive domain name certainly doesn’t help its cause. Do not confuse this site with the official annual credit report site. The company does provide you 3 credit reports from all major credit reporting agencies, but it does not provide you a FICO credit score. The site offers its own proprietary PLUS score, not FICO. You should avoid FreeCreditReport.com, lest you end up with an unproven FAKO score that will do you little good when it comes time to compare the score to FICO based loan charts.

2) TransUnion.com – TransUnion does a wonderful job of confusing consumers. You should never order anything directly from TransUnion.com since they only provide you something called a TransRisk credit score, which is not the same as a FICO credit score. If you want your FICO score from TransUnion, you need to visit the sister site: Transunioncs.com, which stands for TransUnion Consumer Solutions, or you can always order your TransUnion scores via MyFICO. Why the company chose to make things so confusing for consumers is a wonderful question for which I haven’t the foggiest clue.

3) TrueCredit.com – This site utilizes the TransRisk scoring system as well. While similar to the FICO, it is not the same.

4) PrivacyMatters.com – Yet another site that utilizes the TransUnion TransRisk credit score. Remember, if the site does not proudly advertise its scores as FICO, but merely refers to them as “credit scores”, then it’s not offering the real McCoy. If you want a genuine FICO, look elsewhere.

5) Experian.com – Experian offers a Triple Advantage 3-in-1 credit report and credit score product from its website, but you should avoid it. The score it provides you is its own PLUS credit score, and not the FICO score you want. You should also avoid any of its one time non subscription products as well. Back when all of the credit agencies and Fair Isaac played well together, consumers were able to obtain their 3 FICO scores from each of the 3 major credit report bureaus. However, major contractual disputes eventually led Experian to pull out of its long standing credit score arrangement with MyFICO. Thus while Equifax and TransUnion FICO scores are still presently available to credit score seekers, consumers can no longer get access to their Experian FICO scores directly from the MyFICO website at this time. There are still limited ways to get an Experian FICO score, but the methods aren’t easy or widely available.

Updated List Of Preferred 0% Balance Transfer Card Offers Below

If you are searching for how to make money or pay down high interest debt with the top balance transfer offers, you’ve come to the right place. The short list of credit cards I’ve listed here are all currently running 0% APR offers for 12 months. They represent the best of breed recommendations for this special card category.

• If you are looking for credit cards that offer both 0% interest for purchases and balance transfers, please take a look at this list of 0% APR credit cards.
• If you are interested only in cards that have no balance transfer fees, please take a look at this select list of no fee balance transfer cards.

Reasons Why People Apply For Balance Transfer Offers

Everyone has their own goals and objectives when it comes to using balance transfer credit cards. For some it’s finding ways to reduce their high interest debt, but for me, it’s always been my ongoing goal to maximize my full financial potential by leveraging all of my assets, including my good credit score. Currently, I make money with balance transfer offers by applying for select credit cards that charge no interest for introductory balance transfers. After researching and choosing the best deals from a complete list of all 0% balance transfer offers, I take the transferred credit balances and deposit them into high interest bank savings accounts to earn free money. Some card issuers like Citibank make the balance transfer process extra easy by allowing you to simply request a balance transfer check payable to you for the full credit limit.

However, card issuers seem to be slowly phasing out lucrative no balance transfer fee offers. Such select zero balance transfer fee opportunities will not be around forever so I’d recommend locking them up before they disappear in the near future. Remember to always read card terms carefully. Also, while a handful of the choices below are noted as business credit cards, you don’t have to actually own your own small business to apply for the business card offers. You can properly enter your own personal name and Social Security Number as your business when prompted by the credit card application.

Here Is My Personal List Of the Best 0% Balance Transfer Credit Card Offers

The choices were made after reviewing and balancing all terms and considerations such as length of 0% APR offer duration, whether any balance transfer fee applies, whether the 0% interest rate applies to purchases as well, and whether there are any additional rewards for purchases:

1. Discover More Card - 0% balance transfer offer for 15 months, and 0% APR interest offer on purchases for 6 months. There is a  4% balance transfer fee. You can also earn 5% cash back bonus rewards on quarterly changing purchase categories like travel, home, apparel, gas restaurants, movies, and more. There is no annual fee.
2. Citi Platinum Select Card – 0% APR interest offers for 12 months on purchases and balance transfers for 18 months. The balance transfer fee is 5%, with no annual fee.
3. Citi Forward(SM) Card – 0% interest free offer for 12 months on both balance transfers and 7 months on purchases with no annual fee. Transfer fee is 4% but there is a new account signup bonus offering up to 8,500 bonus points after you sign up for paperless statements and make $250 in purchases within the first 3 months of account opening.
4. Chase Slate Card – 0% APR interest on purchases and balance transfers for 12 months.
5. Chase Freedom Card – 0% APR interest on purchases 6 months and 12 months on balance transfers.  5% bonus cash back in popular, rotating categories like gas, groceries, airlines, home improvement and more, and 1% cashback on everything else with now spending tiers.
6. Citi mtvU Card For Students - Popular among students, this Citibank card offers 0% APR* on purchases for 7 months, if you qualify, based on your application and credit history*.
7. Discover More Card – Clear – 0% balance transfer offer for 12 months, and 0% APR interest offer on purchases for 6 months. There is a 4% balance transfer fee. You can also earn 5% cash back bonus rewards on a wide array of special purchase categories, like the regular Discover More card. You can also earn 5%-20% cashback when shopping through Discover’s online shopping site. There is also no annual fee.
8. Discover Escape Card – 0% balance transfer for 6 months, and 0% APR purchases for 6 months. Earn double mile rewards on all purchases, redeemable for travel, cash, and gift cards. Get additional extra 25,000 bonus miles for monthly made purchases during your first 2 years. There is a $60 annual fee.
9. Miles By Discover Card – 0% on purchases and balance transfers for 6 months. This card also offers miles at 1 mile per dollar spent including a 12,000 mile promotion. For each month you make one purchase, you will be award 1,000 miles (for 12 months). No annual fee.
10. Discover More Card – American Flag - 0% on purchases and balance transfers for 6 months. Enjoy up to 5% cash back rewards on purchase categories that change every quarter. High reward categories include gas, clothing retailers, restaurants, and hotels. There is no annual fee.
11. Discover More Card – Wildlife Collection – 0% on purchases and balance transfers for 6 months. Get cash back bonus rewards on spending categories like all Discover More network cards. There is no annual fee.
12. Discover More Card – Sealife Collection – 0% on purcahses and balance transfers for 6 months. Earn up to 5% credit card cash back on purchases made in special purchase categories. There is annual fee.
13. Discover More Monogram Card- 0% on purchases and balance transfers for 6 months. This is a cash back card offer for up to 5% cashback on special category purchase. There is no annual fee.
14. Capital One Platinum Credit Card – 0% rate for both balance transfers and purchases, for a period of 12 months up to July 2011. The balance transfer fee is 3% with no annual fee.
15. Capital One Prestige MasterCard -  0% interest rate for both balance transfers and purchases, for a period of 12 months up to July 2011. The balance transfer fee is 3% with no annual fee.

No Balance Transfer Fee Credit Cards – Balance Transfer Card Offers

1. Simmons First Visa Platinum Rewards – No balance transfer fee, low interest balance transfer deal
2. Simmons First Visa Platinum Credit Card – No balance transfer fee, low interest balance transfer