To follow up on the previous post, I applied for and received a Penfed Visa platinum card, with a credit limit of $25K. I was then able to complete a balance transfer of $15K to the card. The BT fee was capped at $100, and the APR is 2.99% fixed for the life of the loan. I will be using the $15K to pay down my HELOC. Along with approximately $15K in extra savings I can eliminate the HELOC entirely. The HELOC interest rate was at a floating interest rate of prime minus 0.5%, but was currently floored at 3.5%. Since interest rates pretty much have to go up from here I feel safe trading the 3.5% tax deductible interest for 2.99% credit card interest. The $100 transfer fee is very reasonable in today's CC market. I highly encourage others to look at this card.