State Farm’s Good Neighbor credit card offers a 0% introductory APR on balance transfers for 9 months, with no balance transfer fees in the first 90 days. After 90 days, balance transfers carry a 3% fee with a $5 min and $75 max. Unfortunately, there are a couple of important caveats: according to FW, 1) you’re unlikely to be approved for the card unless you have a preexisting relationship with State Farm, and 2) State Farm is known to pull from all three credit bureaus.

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