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Citi® Diamond Preferred® Card – 21 Month Intro Offer on BT and Purchases

 

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4.2/5.0 from 1,974 Offer Ratings
Over the Past 60 Days!

(1,974) Over the Past 60 Days!
  • Intro Purchase APR 0%* for 21 months on Purchases*
  • Intro BT APR 0%* for 21 months on Balance Transfers*
  • Regular Purchase APR 13.49% - 23.49%* (Variable)
  • Annual Fee $0*
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 866-303-7755 TTY: Use Relay Service
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.49%-23.49% based upon your creditworthiness.* 
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer. 
  • 24/7 access to Citi® Concierge for help in booking hotels, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee* 
  • Free access to FICO® Scores*

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BankAmericard® Credit Card

 

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Your Rating:

3.8/5.0 from 642 Offer Ratings
Over the Past 60 Days!

(642) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% Intro APR for 15 billing cycles for balance transfers made in the first 60 days
  • Balance Transfer Fee $0 Intro balance transfer fee for the first 60 days your account is open. After that, the fee for future balance transfers is 3% (min. $10)
  • Regular APR 12.74% - 22.74% Variable APR on purchases and balance transfers
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 800-483-4499
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 12.74% - 22.74% Variable APR
  • $0 Intro Balance transfer fee during first 60 days of account opening. After that, the fee for future balance transfers is 3% (min. $10).
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app

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Discover it® - 18 Month Balance Transfer Offer

 

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3.7/5.0 from 202 Offer Ratings
Over the Past 60 Days!

(202) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% for 18 Months*
  • Rewards Rate 5% cash back in bonus categories, 1% on everything else*
  • Exclusive Bonus Offer Get a dollar-for-dollar match of all the rewards you've earned at the end of your first year, automatically*
  • Annual Fee $0
  • Credit Needed Excellent/Good Credit
  • Card Brand Discover

Highlights

  • Click "APPLY NOW" to apply online or call 888-333-5886
  • You could turn $200 into $400 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

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Citi® Double Cash Card – 18 month BT offer

 

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4.4/5.0 from 1,075 Offer Ratings
Over the Past 60 Days!

(1,075) Over the Past 60 Days!
  • Intro APR 0% APR for 18 Months on Balance Transfers
  • Rewards Rate Earn 1% on Purchases & 1% on Payments
  • Regular Purchase APR 14.49% - 24.49%* (Variable)
  • Annual Fee $0*
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 888-343-4081 TTY: Use Relay Service
  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro  APR on Balance Transfers for 18 months. After that, the variable APR will be 14.49% - 24.49% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*

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Blue Cash Everyday® Card from American Express

 

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3.8/5.0 from 712 Offer Ratings
Over the Past 60 Days!

(712) Over the Past 60 Days!
  • Welcome Offer $100 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months
  • Bonus Cash Back 3% at U.S. supermarkets on up to $6,000 per year in purchases*
  • Rewards Rates 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand American Express

Highlights

  • Click "APPLY NOW" to apply online or call 866-901-8258
  • $100 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See Rates & Fees

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Citi Simplicity® Card - $0 Intro BT Fee

 

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Your Rating:

3.8/5.0 from 596 Offer Ratings
Over the Past 60 Days!

(596) Over the Past 60 Days!
  • Intro Balance Transfer Fee $0 Intro Balance Transfer Fee for transfers made within 4 months of account opening
  • Intro Balance Transfer APR 0%* for 15 months on Balance Transfers*
  • Regular Purchase APR 14.49% - 24.49% (Variable)
  • Annual Fee $0*
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 866-314-6130 TTY: Use Relay Service
  • $0 Intro Balance Transfer Fee for transfers made within 4 months of account opening. After that, there is a 3% balance transfer fee (minimum $5) for each transfer.*
  • 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 14.49% - 24.49% based on your creditworthiness.
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER.
  • The same great rate for all balances, after the introductory period.
  • Save time when you call with fast, personal help, 24 hours a day – just say “representative”
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month.

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Wells Fargo Platinum Visa® Card

 

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Your Rating:

3.7/5.0 from 189 Offer Ratings
Over the Past 60 Days!

(189) Over the Past 60 Days!
  • Introductory APR 0% for 18 months on purchases and balance transfers*
  • Low Fees Enjoy $0 Annual Fee
  • Cell Phone Protection Covers damage & theft, up to $600 per claim*
  • Annual Fee $0
  • Credit Needed Excellent
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • 0% Intro APR for 18 months on purchases and balance transfers, then a 16.15%-25.99% variable APR; balance transfer fees apply
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa® Card
  • Free access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions

See additional details for Wells Fargo Platinum Visa® Card

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*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.

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Picture of Jeff Bittner

By: | Jan 5, 2017

I need to transfer about 12,000 and have a credit score of 725. I need a card that has at least a 12 month no interest fee.

1 Reply

By: CompareCards | Jan 5, 2017

With a score of 725, your credit is considered "good" and there are a number of solid balance transfer credit cards you could potentially get approved for. One of the best options is the Chase Slate card which comes with 0% intro APR for 15 months and no fee for balances transfers made within the first 60 days!

Picture of Philomena Davis

By: | Dec 17, 2016

I have several credit cards. I believe if I consolidate them maybe my payments would be lower?

1 Reply

By: CompareCards | Dec 19, 2016

If you transfer your balance onto one card with a 0% intro APR, it might not necessarily make your payment lower, but it could help you pay off your balance much quicker. This is because during the introductory period, your entire payment goes towards paying down the principle of your balance!

Picture of Bob Mills

By: | Dec 16, 2016

I have 6500 in a Discover card acct - I want to move to 0% balance transfer - what are the best options? I have a Citi Card for 2900 and a Wells Fargo for 5000 - both 0% for a number of months. can I break the 6500 into these two to reduce my payments.

1 Reply

By: CompareCards | Dec 16, 2016

If your Citi and Wells Fargo cards with 0% intro APR will allow you to transfer portions of your balance from your Discover card, then that is certainly a good strategy to pay down your balance faster!

Picture of Sabera Badani

By: | Dec 9, 2016

I have about $22000.00 that I want to transfer to a 0% credit card for about 21 months with no transfer fee. My credit score is about 720

1 Reply

By: CompareCards | Dec 12, 2016

The Citi Simplicity and the Citi Diamond Preferred both offer 0% intro APR for 21 months on balance transfers, so one of these two cards will be your best option. With a score of 720, your credit is considered good, but not quite excellent, so it is not guaranteed that you will get approved for the full line of credit you are looking for.

Picture of Sami Jean

By: | Dec 8, 2016

I have a 742 credit score. I am looking to transfer a balance of about $7,000. The balance is on a chase card, so the Chase Slate is not an option for me. I am looking for no or very low balance transfer fee and no interest for at least 9 months, preferably more than a year. I also need a card that does not require you to pay off the balance each month to maintain 0% interest. (i.e. the Citi Double Cash- if I could pay it off next month I wouldn't need the balance transfer).

1 Reply

By: CompareCards | Dec 9, 2016

With a score of 742, your credit is considered good/excellent and you have a good chance of getting approved for a good balance transfer credit card. The Chase Slate is the only card that offers no intro balance transfer fee and a 0% intro APR over a year. Another good balance transfer option for you would be the Citi Simplicity or the Citi Diamond Preferred. Each of these cards offer 0% intro APR for 21 months on balance transfers!

Picture of Bill Reed

By: | Nov 28, 2016

I have a credit score of 617 and a balance of $2500 what card would be best for me?

1 Reply

By: CompareCards | Nov 28, 2016

With a credit score in the low 600s your credit is considered poor/fair. Check out out pages for credit cards for poor credit and credit cards for credit cards for fair credit to see all the best options!

Picture of Nicole Champion

By: | Nov 28, 2016

How do I transfer the balances of credit cards? I have about 2300 in cards and my score is low

1 Reply

By: CompareCards | Nov 28, 2016

If you have a low credit score, it may be difficult for you to get approved for the best balance transfers credit cards. One good option for balance transfers that is available for consumers with fair credit is the Capital One QuicksilverOne!

Picture of Crystal Buehler

By: | Nov 24, 2016

I am looking for a card with no fee for transfers. The only one I see on this site is Chase Slate, and I already have a card with them - so they can't help me. Do you know of others with no transfer fee?

1 Reply

By: CompareCards | Nov 28, 2016

The Chase Slate is certainly an excellent option for a balance transfer credit card, but unfortunately, you cannot transfer a between credit cards issued by the same bank. Two other cards that have no balance transfer fee are the Barclaycard Ring MasterCard and the Capital One QuicksilverOne.

Picture of Hallon Clark

By: | Nov 21, 2016

I need to transfer about $7,500 (2 cards) to consolidate & save interest/money. Credit score is 725. Would like 0% on transfer for 18-21 months with no annual fee & no balance transfer fee. Which card would you suggest for/with such options?

1 Reply

By: CompareCards | Nov 22, 2016

There is not one card that meets all of the criteria you are looking for, but a few credit cards come very close! The Citi Diamond Preferred and Citi Simplicity each have 0% intro APR for 21 months, but they also come with a 3% balance transfer fee. Another great choice is the Chase Slate card which offers 0% intro APR for 15 months and no fee for balance transfers made within the first 60 days! All of these cards have no annual fee, and with a score in the mid 700s you have a good shot of getting approved!

Picture of Ana Snyder Parker

By: | Nov 5, 2016

I have a credit score of 783. CC balance is $6,200. I want to transfer balance to another card. It would be great to also get rewards. What do you suggest?

1 Reply

By: CompareCards | Nov 8, 2016

With a credit score in the high 700s, your credit is considered excellent and you have a good chance of getting approved for any card you like. Two credit cards that are both great options for balance transfers and earning cash back on purchases are the Citi Double Cash and the Discover It. Both cards offer generous cash back rewards and 0% intro APR on balance transfers for 18 months.

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These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Compare 0% Balance Transfer Credit Cards & Offers

One of the main reasons that people shop for a new credit card is in order to find banks that offer special 0% balance transfer credit cards for the longest period of time and with low transfer fees. In recent years consumers have started to use credit cards more wisely than they did before the big credit crisis. Now they tend to shift high-interest card balances to cards that offer a lower APR, because in doing so they are able to gain immediate and substantial savings.

Use our free balance transfer calculator and credit card payoff calculator found on this site to figure out how much money you can save by getting a better interest rate. Then look in this section for the best balance transfer credit cards that offer good deals such as 0% interest for 1 to 2 years, no-fee balance transfers, and lower regular APR rates. You will want to pay special attention to any minimum charges or transfer % that a credit card company might impose on you for transferring a balance – deduct that cost from your overall savings in order to arrive at a real net savings for transferring to a new credit card.

Let’s say that you have a card that you’re currently paying 25% interest on, but you find a card here that will only charge you 3.99% for the first year and 18% thereafter. By moving your balance to the new card you can save more than 20% right away, and 7% over the long term. If your transfer amount is $3,000 that means you save around $500– $600 in interest within the next 12 months.

Reviews
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" " Those who always pay their balances in full and on time will usually come out ahead.

" " The offers on the credit card landscape are constantly changing which is great news for consumers.

" " In the future, the companies that will thrive are those able to give customers exactly what they want, the way they want it, when they want it.

" " CompareCards was one of three sites that met all the criteria.

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