Largest 0% balance transfer cards
Feb 4, 2026 | 6:13 am
#1
Original Poster
Join Date: Jan 2010
Location: Body in the CLE, soul still in New England
Programs: In 2023? Does it matter? SPG/Marriott: Plat; DL: Plat; B6: Mosaic
Posts: 2,987
Largest 0% balance transfer cards
Hi,
I'm undergoing a large home renovation project and, of course, found a number of unplanned things that need addressed. Instead of completely draining my bank account, I'd love to find 2 balance transfer cards that have the following
1. Large transfer amounts (e.g. $25k each)
2. 12 to 18 months @ zero interest
3. Smallish transfer fee
4. Cannot be Chase or Amex, already have cards with them
I shouldn't have any issues qualifying (stellar credit, good salary, big limits on my current cards...of which I use less than 20% every month and pay in full). I don't care about points, it's the use of a card as a bridge loan.
Any recommendations appreciated.
Thanks
I'm undergoing a large home renovation project and, of course, found a number of unplanned things that need addressed. Instead of completely draining my bank account, I'd love to find 2 balance transfer cards that have the following
1. Large transfer amounts (e.g. $25k each)
2. 12 to 18 months @ zero interest
3. Smallish transfer fee
4. Cannot be Chase or Amex, already have cards with them
I shouldn't have any issues qualifying (stellar credit, good salary, big limits on my current cards...of which I use less than 20% every month and pay in full). I don't care about points, it's the use of a card as a bridge loan.
Any recommendations appreciated.
Thanks
Feb 4, 2026 | 6:03 pm
#2
Join Date: Mar 2009
Location: NYC
Posts: 438
I just completed a $17k balance transfer (slightly under my credit limit) to my Atmos Summit card with a 4% transfer fee and 0% interest for 15 months. I don't know if it had to be a single transfer. It was an offer that showed up when I logged in after having the card for about 6 months.
Seth
Seth
Feb 5, 2026 | 2:22 am
#3
Join Date: May 2010
Location: SFO
Programs: HH Dia
Posts: 492
Skyla Credit Union Visa Platinum has 0% APR for 12 months and doesn't charge a balance transfer fee. Credit limits as high as $25K, but I've never heard of this credit union (found it through a Google search) so don't know how high they really go.
