HomeFinanceBest Citi Credit Cards With Balance Transfer Offers

Best Citi Credit Cards With Balance Transfer Offers

Interest funds could make present bank card debt or new purchases price extra, however bank cards providing 0% APR promotions will help you save whilst you pay down a stability over time. Here are a few of the different perks you could find in choose Citi stability switch playing cards:

  • Extra-long APR durations, which offer you a hefty period of time to pay down a big stability.

  • An indication-up bonus, which may make a significant buy much more rewarding.

  • Ongoing rewards, which might be useful should you plan to maintain utilizing the cardboard after you pay down the stability.

  • No late charges, which may prevent an added price should you by chance miss your fee due date.

Each of those Citi playing cards affords some, although not all, of those advantages. Typically, you’d want good or wonderful credit score (comparable to a FICO rating of 690 to 850) to qualify for them.

Citi® Double Cash Card – 18 month BT supply

Citi® Double Cash Card
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Our decide for: High flat cash-back price

Card particulars

Rewards: Earn 2% money again on all purchases (1% again as you purchase, 1% again as you pay).

APR: 0% intro APR on Balance Transfers for 18 months, after which the continuing APR of 13.99%-23.99% Variable APR.

Why we prefer it

The Citi® Double Cash Card – 18 month BT supply has a beneficiant no-interest interval for stability transfers, and it costs a comparatively modest 3% stability switch charge should you switch within the first 4 months of cardholding. Plus, its excessive cash-back price for all purchases makes it a card price holding onto even after you’ve paid down your debt. However, there isn’t any 0% APR promotion for brand new purchases, and the cardboard doesn’t supply a sign-up bonus.

Citi® Diamond Preferred® Card

Citibank Diamond Preferred Credit Card
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Our decide for: Ultra-long 0% APR interval

Card particulars

APR: 0% Intro APR for 21 months on Balance Transfers and 12 months on Purchases, after which the continuing APR of 13.74%-23.74% Variable APR.

Why we prefer it

If your important objective is debt compensation, it’s laborious to beat practically two interest-free years to repay a transferred stability. The no-interest promotion isn’t as lengthy for brand new purchases, nonetheless, and the Citi® Diamond Preferred® Card doesn’t earn rewards. Also be aware the 5% stability switch charge, which is on the upper aspect, however the further price is perhaps price it to you in alternate for these further months to repay your stability.

Nerdy tip: With any card that provides a 0% APR promotion, you’ll owe curiosity on the remaining stability going ahead should you don’t repay your full stability in time.

Citi Simplicity® Card

Citibank Simplicity Credit Card
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Our decide for: No late charges

Card particulars

APR: 0% Intro APR for 21 months on Balance Transfers and 12 months on Purchases, after which the continuing APR of 14.74%-24.74% Variable APR.

Why we prefer it

The Citi Simplicity® Card affords the identical 0% APR promotion because the Citi® Diamond Preferred® Card, with an added characteristic: no late charges or penalty APR. If you’ve forgotten a bank card invoice or two previously and need the cushion from monetary penalties simply in case, this can be a useful profit. Otherwise, the cardboard affords no sign-up bonus or rewards, and the stability switch charge is on the excessive finish at 5%.

Citi Rewards+® Card

Citi Rewards+® Card
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Our decide for: An indication-up bonus and rounded-up rewards

Card particulars

  • Earn 2 ThankYou factors per $1 at supermarkets and gasoline stations on as much as $6,000 in spending per 12 months, and 1 level per $1 after that.

  • Earn 1 ThankYou level per $1 on all different purchases.

  • Round as much as the closest 10 factors on each buy (so should you spend $3, you’ll earn 10 factors, for instance).

  • Get 10% of your factors again once you redeem them, on as much as 100,000 factors per 12 months.

Welcome supply: Earn 20,000 bonus factors after you spend $1,500 in purchases along with your card inside 3 months of account opening; redeemable for $200 in present playing cards at thankyou.com. For a restricted time, earn 5 ThankYou® Points per $1 spent on air journey and accommodations as much as $6,000 within the first 12 months after which 1 ThankYou® Points per $1 spent thereafter.

APR: 0% Intro APR on stability transfers for 15 months from date of first switch and on purchases from date of account opening, after which the continuing APR of 13.49%-23.49% Variable APR.

Why we prefer it

In alternate for a much less sturdy 0% APR supply, the Citi Rewards+® Card affords a sign-up bonus and the flexibility to earn Citi ThankYou factors on purchases. This is a useful combine of advantages if you wish to earn rewards on spending whereas paying down a stability over time. But different playing cards, just like the Citi® Double Cash Card – 18 month BT supply, have a better ongoing rewards price for every kind of purchases, not simply groceries and gasoline.

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