Struggling to make the minimum payment on your credit card each month? Switch to a 0% interest balance transfer credit card and get relief. Save more by transferring high interest balances to cards offering low or zero interest rates for up to 12 months or more.
Get instant debt relief with zero percent interest and zero percent APR credit cards
The key to balance transfer cards is to make the switch to a low APR card or one with 0% interest before you become fully buried. In the case of credit card balance transfers, sooner is always better than later.
Transfer the maximum amount available to a 0% interest credit card
Review each of your cards with balances and then transfer those with the highest interest rates first. If any of the high interest cards have balances remaining, get aggressive in paying those off first. Protect the zero or low interest balance transfer rate by making all of your payments on time.
* 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 on the “Apply Here" button and review info on the secure credit card terms page.
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Editor's Rating:
9.5
-
Consumer Rating: (25 ratings)
8.1
| Intro APR: |
0% |
| Regular APR: |
11.99% - 19.99%* (Variable) |
| Annual Fee: |
None |
| Intro Period: |
18 months on Balance Transfers*, 12 months on Purchases* |
| Balance Transfer: |
Yes* |
| Credit Needed: |
Good
|
Don't know your Credit Score? Click here
- 0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months. After that, the APR will be 11.99%-19.99% based upon your creditworthiness. This APR will vary with the market based on the Prime Rate*
- Extra Cash from Citi: enjoy discounts on gift cards,travel, merchandise and more
- Citi® Identity Theft Solutions
- Secure, free online account management
- No annual fee
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Editor's Rating:
9.0
-
Consumer Rating: (6 ratings)
9.5
| Intro APR: |
See Terms* |
| Regular APR: |
17.24%-21.24% Variable |
| Annual Fee: |
No Annual Fee |
| Intro Period: |
Up to 12 Months |
| Balance Transfer: |
Yes* |
| Credit Needed: |
Excellent
|
Don't know your Credit Score? Click here
- 0% intro APR on purchases for 6 months and no annual fee
- Flexibility to pay over time
- Get up to 5% cash back on everyday purchases at supermarkets, gas stations and drug stores
- Receive your cash back automatically as a statement credit
-
Editor's Rating:
8.0
-
Consumer Rating: (1 ratings)
9.0
| Intro APR: |
0% if you qualify* |
| Regular APR: |
12.99% - 19.99%* (Variable) |
| Annual Fee: |
None |
| Intro Period: |
12 months on BTs |
| Balance Transfer: |
Yes* |
| Credit Needed: |
Good
|
Don't know your Credit Score? Click here
- Earn up to 8,500 bonus points after you sign up for paperless statements and make $250 in purchases within the first 3 months of account opening.
- 5 ThankYou points for every $1 you spend on restaurants and entertainment. 1 reward point for every $1 you spend on other purchases.
- Up to a 2% purchase APR reduction when you make a purchase, stay under your credit line and pay on time 3 billing periods in a row.
- No annual fee
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