If you have excellent credit, a VISA card is now available that offers a free HP “Evo” laptop computer for making a minimum $5,000 balance transfer. The new “Universal Savings Bank Platinum VISA” also offers a competitive 10.99% variable interest rate on purchases as well as cash advances, and carries no annual fee. The only caveat to the offer is that you must maintain a balance of at least $3,000.00 for the first 12 months, or a $500.00 penalty fee will be charged to your account. Wisconsin-based USB is offering the “Compaq Evo N1015v” notebook PC which retails for $999 with a street price around $800. USB says it usually takes four to six weeks to receive the computer after the account is opened and the balance transferred. If you do not have $5,000 worth of balances to transfer, you may take the difference as a cash advance up to $2,000. For now USB is waiving cash advance fees and is extending the purchase APR of 10.99% to cash balances. For more information contact USB between 8:00 a.m. and 5:00 p.m. EST, Monday Friday at 1-888-826-5022 and mention Evo when you call.