system
A chat on subreddit /r/wallstreetbets
human
2.75% fee is high as hell when it sounds like he wants to use his entire credit line. He's going to pay a fee no matter what when using this method.

gpt
I mentioned 'avg' fee cuz some of these offers are like 18 months long but there are quite a few 0% fee 0% apr balance transfer public offers right now: 
  
 * Chase Slate 
 * Amex EveryDay 
 * Edwards Jones MasterCard 
  
 And bunch of smaller credit unions and regional banks. 
  
 In terms of personalized offer Discover It and Bank American both do 0% fee/rate at 14 and 15 months.