• Editor's Rating: 9.5
  • Consumer Rating: (19 ratings) 9.1
Intro APR: 0%
Regular APR: As Low As 11.99% Variable
Annual Fee: None
Intro Period: Up to 15 Months
Balance Transfer: Yes*
Credit Needed: Good

Don't know your Credit Score? Click here

  • 0% APR* on balance transfers and purchases for up to 15 months
  • No annual fee
  • Citi® Identity Theft Solutions
  • $0 Liability on unauthorized purchases
  • Secure, free online account management
  • Extra Cash from Citi: enjoy significant discounts on gift cards, travel, merchandise and more.

RATING:  
9.0
Just transferred big balance
Date Posted: 05/05/2008        By: Tom (Newport Beach, CA)
Detailed Ratings: Orange_star_full Orange_star_full Orange_star_full Orange_star_full Orange_star_half 
Introductory APR (Purchases and Transfers) Blue_box Blue_box Blue_box Blue_box Blue_box 
Benefits (Reward program,service discounts, theft protection) Blue_box Blue_box Blue_box_empty Blue_box_empty Blue_box_empty 
Fees (Balance transfers, annual fee, cash advances) Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
Standard APR Blue_box Blue_box Blue_box Blue_box Blue_box 
Customer Service Blue_box Blue_box Blue_box Blue_box Blue_box 
I definitely would recommend this card to a friend.
22 out of 27 people found this review helpful.
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RATING:  
10.0
Reward Program
Date Posted: 04/08/2008        By: Mike the spender (Salt Lake City, UT)
Detailed Ratings: Orange_star_full Orange_star_full Orange_star_full Orange_star_full Orange_star_half 
Introductory APR (Purchases and Transfers) Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
Benefits (Reward program,service discounts, theft protection) Blue_box Blue_box Blue_box Blue_box Blue_box 
Fees (Balance transfers, annual fee, cash advances) Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
Standard APR Blue_box Blue_box Blue_box Blue_box_empty Blue_box_empty 
Customer Service Blue_box Blue_box Blue_box Blue_box Blue_box 
REVIEW:
The max cash reward is $300 annually, I have had the best customer service you could ask for. Things like flexible billing dates and courteous service won me over.
I definitely would recommend this card to a friend.
300 out of 332 people found this review helpful.
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RATING:  
9.0
Solid Transfer Card
Date Posted: 05/02/2008        By: Jane Old School (Jacksonville, FL)
Detailed Ratings: Orange_star_full Orange_star_full Orange_star_full Orange_star_full Orange_star_empty 
Introductory APR (Purchases and Transfers) Blue_box Blue_box Blue_box Blue_box Blue_box 
Benefits (Reward program,service discounts, theft protection) Blue_box Blue_box Blue_box Blue_box_empty Blue_box_empty 
Fees (Balance transfers, annual fee, cash advances) Blue_box Blue_box Blue_box Blue_box_empty Blue_box_empty 
Standard APR Blue_box Blue_box Blue_box Blue_box Blue_box 
Customer Service Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
REVIEW:
Can't beat the introductory rate. If you want to save money on interest, this is a solid choice.
I definitely would recommend this card to a friend.
10 out of 11 people found this review helpful.
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RATING:  
9.0
Recommendation
Date Posted: 06/27/2008        By: Joseph Callabro (Buffalo NY)
Detailed Ratings: Orange_star_full Orange_star_full Orange_star_full Orange_star_full Orange_star_half 
Introductory APR (Purchases and Transfers) Blue_box Blue_box Blue_box Blue_box Blue_box 
Benefits (Reward program,service discounts, theft protection) Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
Fees (Balance transfers, annual fee, cash advances) Blue_box Blue_box Blue_box Blue_box_empty Blue_box_empty 
Standard APR Blue_box Blue_box Blue_box Blue_box Blue_box 
Customer Service Blue_box Blue_box Blue_box Blue_box Blue_box 
REVIEW:
Regular APR: As Low As 8.49%
I definitely would recommend this card to a friend.
3 out of 4 people found this review helpful.
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RATING:  
9.0
Best card out there.
Date Posted: 07/10/2008        By: TBone (Palm Beach, FL)
Detailed Ratings: Orange_star_full Orange_star_full Orange_star_full Orange_star_full Orange_star_full 
Introductory APR (Purchases and Transfers) Blue_box Blue_box Blue_box Blue_box Blue_box 
Benefits (Reward program,service discounts, theft protection) Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
Fees (Balance transfers, annual fee, cash advances) Blue_box Blue_box Blue_box Blue_box Blue_box 
Standard APR Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
Customer Service Blue_box Blue_box Blue_box Blue_box Blue_box 
REVIEW:
This card offers the best introductory rate for longer than comparable cards. Some of the highlights so far are a large credit line for good credit history, great security protection and top customer service. Excellent card.
I definitely would recommend this card to a friend.
14 out of 14 people found this review helpful.
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RATING:  
10.0
great deal!
Date Posted: 07/23/2008        By: killamazed (Chicago)
Detailed Ratings: Orange_star_full Orange_star_full Orange_star_full Orange_star_full Orange_star_full 
Introductory APR (Purchases and Transfers) Blue_box Blue_box Blue_box Blue_box Blue_box 
Benefits (Reward program,service discounts, theft protection) Blue_box Blue_box Blue_box Blue_box Blue_box 
Fees (Balance transfers, annual fee, cash advances) Blue_box Blue_box Blue_box Blue_box_empty Blue_box_empty 
Standard APR Blue_box Blue_box Blue_box Blue_box Blue_box 
Customer Service Blue_box Blue_box Blue_box Blue_box Blue_box 
REVIEW:
They have a great deal with no Annual Fee, 0% for 12 months. You get free account management online, travel insurance ($1 million!) Great customer service and lots of security, no liabilities on fraudulent purchases. I got my APR at 9.85%
I definitely would recommend this card to a friend.
8 out of 8 people found this review helpful.
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RATING:  
10.0
I'd rate it 11!
Date Posted: 07/23/2008        By: alvin (frederick md)
Detailed Ratings: Orange_star_full Orange_star_full Orange_star_full Orange_star_full Orange_star_full 
Introductory APR (Purchases and Transfers) Blue_box Blue_box Blue_box Blue_box Blue_box 
Benefits (Reward program,service discounts, theft protection) Blue_box Blue_box Blue_box Blue_box Blue_box 
Fees (Balance transfers, annual fee, cash advances) Blue_box Blue_box Blue_box Blue_box Blue_box 
Standard APR Blue_box Blue_box Blue_box Blue_box Blue_box 
Customer Service Blue_box Blue_box Blue_box Blue_box Blue_box 
REVIEW:
great great card. great deal.
I definitely would recommend this card to a friend.
3 out of 4 people found this review helpful.
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RATING:  
10.0
sock drawered my Amex!
Date Posted: 07/25/2008        By: yolanda (texas)
Detailed Ratings: Orange_star_full Orange_star_full Orange_star_full Orange_star_full Orange_star_full 
Introductory APR (Purchases and Transfers) Blue_box Blue_box Blue_box Blue_box Blue_box 
Benefits (Reward program,service discounts, theft protection) Blue_box Blue_box Blue_box Blue_box Blue_box 
Fees (Balance transfers, annual fee, cash advances) Blue_box Blue_box Blue_box Blue_box Blue_box 
Standard APR Blue_box Blue_box Blue_box Blue_box Blue_box 
Customer Service Blue_box Blue_box Blue_box Blue_box Blue_box 
REVIEW:
Due to some billing glitch, I was late with my paying for an amex card. The result was they raised my aPR to a little more than 20%. I applied for this one and got approved and transferred all my balance. Saved me tons of money.
I definitely would recommend this card to a friend.
4 out of 4 people found this review helpful.
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RATING:  
10.0
Another Satisfied Customer
Date Posted: 01/10/2009        By: Shoe (Pittsburgh, PA)
Detailed Ratings: Orange_star_full Orange_star_full Orange_star_full Orange_star_full Orange_star_full 
Introductory APR (Purchases and Transfers) Blue_box Blue_box Blue_box Blue_box Blue_box 
Benefits (Reward program,service discounts, theft protection) Blue_box Blue_box Blue_box Blue_box Blue_box 
Fees (Balance transfers, annual fee, cash advances) Blue_box Blue_box Blue_box Blue_box Blue_box 
Standard APR Blue_box Blue_box Blue_box Blue_box Blue_box 
Customer Service Blue_box Blue_box Blue_box Blue_box Blue_box 
REVIEW:
I also had transferred from MBNA aka Bank of America, I had missed a payment and like others, my rate went up. I transferred to Citi, and with 0% have been able to get paid off without the huge interest
I definitely would recommend this card to a friend.
4 out of 5 people found this review helpful.
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RATING:  
10.0
Transfered my balance from Bank of America.
Date Posted: 08/06/2008        By: Larry R. (Baltimore)
Detailed Ratings: Orange_star_full Orange_star_full Orange_star_full Orange_star_full Orange_star_full 
Introductory APR (Purchases and Transfers) Blue_box Blue_box Blue_box Blue_box Blue_box 
Benefits (Reward program,service discounts, theft protection) Blue_box Blue_box Blue_box Blue_box Blue_box 
Fees (Balance transfers, annual fee, cash advances) Blue_box Blue_box Blue_box Blue_box Blue_box 
Standard APR Blue_box Blue_box Blue_box Blue_box Blue_box 
Customer Service Blue_box Blue_box Blue_box Blue_box Blue_box 
REVIEW:
My Bank of America credit card interest increased by 27% after I missed my bill payment. With $10 000 balance I was suppose to pay hundreds of dollars every month (interest only). With 740 credit score it was terrible to pay interest like that. I transfered my balance and it saved me a lot of money.
I definitely would recommend this card to a friend.
10 out of 10 people found this review helpful.
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RATING:  
10.0
Easy balance transfer.
Date Posted: 08/06/2008        By: Gregory Chip (Washington DC)
Detailed Ratings: Orange_star_full Orange_star_full Orange_star_full Orange_star_full Orange_star_full 
Introductory APR (Purchases and Transfers) Blue_box Blue_box Blue_box Blue_box Blue_box 
Benefits (Reward program,service discounts, theft protection) Blue_box Blue_box Blue_box Blue_box Blue_box 
Fees (Balance transfers, annual fee, cash advances) Blue_box Blue_box Blue_box Blue_box Blue_box 
Standard APR Blue_box Blue_box Blue_box Blue_box Blue_box 
Customer Service Blue_box Blue_box Blue_box Blue_box Blue_box 
REVIEW:
I am agree with previous reviews. It is simple to transfer balance when your credit score higher than 700.
I definitely would recommend this card to a friend.
2 out of 2 people found this review helpful.
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RATING:  
9.0
Different credit score will give different interest.
Date Posted: 08/09/2008        By: Mark Shanteau (Cleveland)
Detailed Ratings: Orange_star_full Orange_star_full Orange_star_full Orange_star_full Orange_star_empty 
Introductory APR (Purchases and Transfers) Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
Benefits (Reward program,service discounts, theft protection) Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
Fees (Balance transfers, annual fee, cash advances) Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
Standard APR Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
Customer Service Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
REVIEW:
For those who stuck with high interest payments I would suggest to apply for this card. The best thing is to visit branch and ask teller about transfer opportunities. In less than 5 minutes they can give you the lowest interest rate you can qualify. With perfect credit score you can receive as low as 8% APR.
I definitely would recommend this card to a friend.
2 out of 2 people found this review helpful.
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RATING:  
3.0
Watch out for the 3% balacne transfer fees on these 0% Intro APR cards!
Date Posted: 01/30/2009        By: Housewife (Virginia)
Detailed Ratings: Orange_star_full Orange_star_full Orange_star_full Orange_star_half Orange_star_empty 
Introductory APR (Purchases and Transfers) Blue_box Blue_box Blue_box Blue_box Blue_box 
Benefits (Reward program,service discounts, theft protection) Blue_box Blue_box Blue_box Blue_box Blue_box 
Fees (Balance transfers, annual fee, cash advances) Blue_box Blue_box_empty Blue_box_empty Blue_box_empty Blue_box_empty 
Standard APR Blue_box Blue_box Blue_box Blue_box_empty Blue_box_empty 
Customer Service Blue_box Blue_box Blue_box Blue_box_empty Blue_box_empty 
REVIEW:
Watch out for the 3% balance transfer fee on this and many 0% Intro rate cards! Be sure to read the fine print.
I definitely would not recommend this card to a friend.
13 out of 14 people found this review helpful.
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RATING:  
10.0
Scored 6 Months
Date Posted: 07/23/2009        By: Fred (Austin, TX)
Detailed Ratings: Orange_star_full Orange_star_full Orange_star_full Orange_star_full Orange_star_empty 
Introductory APR (Purchases and Transfers) Blue_box Blue_box Blue_box Blue_box Blue_box 
Benefits (Reward program,service discounts, theft protection) Blue_box Blue_box Blue_box Blue_box_empty Blue_box_empty 
Fees (Balance transfers, annual fee, cash advances) Blue_box Blue_box Blue_box Blue_box_empty Blue_box_empty 
Standard APR Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
Customer Service Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
REVIEW:
Had a credit score of 660 and got approved for 6 months on purchases and transfers. Glad to start paying down some debt at a 0% rate - nice relief.
I definitely would recommend this card to a friend.
1 out of 1 people found this review helpful.
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RATING:  
10.0
Citi is Helping US!
Date Posted: 04/17/2009        By: Joey (Atlanta, GA)
Detailed Ratings: Orange_star_full Orange_star_full Orange_star_full Orange_star_full Orange_star_half 
Introductory APR (Purchases and Transfers) Blue_box Blue_box Blue_box Blue_box Blue_box 
Benefits (Reward program,service discounts, theft protection) Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
Fees (Balance transfers, annual fee, cash advances) Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
Standard APR Blue_box Blue_box Blue_box Blue_box Blue_box 
Customer Service Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
REVIEW:
I have decent credit of around 650 and was concerned that I would be turned down for this card AND a lower rate. Citi came through with one of the lowest regular APRs available in addition to 0% on transfers. I've called them a few times to make transfers and they've been really great to deal with. When other banks aren't helping the consumer, Citi seems to have their stuff together.
I definitely would recommend this card to a friend.
3 out of 3 people found this review helpful.
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RATING:  
9.0
Pleasant Surprise
Date Posted: 07/02/2009        By: Dale (Muscle Shoals, AL)
Detailed Ratings: Orange_star_full Orange_star_full Orange_star_full Orange_star_full Orange_star_half 
Introductory APR (Purchases and Transfers) Blue_box Blue_box Blue_box Blue_box Blue_box 
Benefits (Reward program,service discounts, theft protection) Blue_box Blue_box Blue_box Blue_box_empty Blue_box_empty 
Fees (Balance transfers, annual fee, cash advances) Blue_box Blue_box Blue_box Blue_box Blue_box 
Standard APR Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
Customer Service Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
REVIEW:
Needed 12 months on BT and got it. Few companies are truly offering this these days. Thanks for surviving Citi!
I definitely would recommend this card to a friend.
No one has voted on how helpful this review was for them.
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RATING:  
7.0
They have their game together and I love the low interest rates on standard purchases
Date Posted: 04/15/2009        By: Pantera (New York, NY)
Detailed Ratings: Orange_star_full Orange_star_full Orange_star_full Orange_star_full Orange_star_full 
Introductory APR (Purchases and Transfers) Blue_box Blue_box Blue_box Blue_box Blue_box 
Benefits (Reward program,service discounts, theft protection) Blue_box Blue_box Blue_box Blue_box Blue_box 
Fees (Balance transfers, annual fee, cash advances) Blue_box Blue_box Blue_box Blue_box Blue_box 
Standard APR Blue_box Blue_box Blue_box Blue_box Blue_box 
Customer Service Blue_box Blue_box Blue_box Blue_box_empty Blue_box_empty 
REVIEW:
Great card to have. They have their game together and I love the low interest rates on standard purchases. Stay away from withdrawing cash. You should do that with any card to begin with! I don't mnd the fee. I currently have a 12.99% interest rate and my credit rating is around 620.
I definitely would recommend this card to a friend.
2 out of 2 people found this review helpful.
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RATING:  
10.0
Thanks Citi
Date Posted: 04/21/2009        By: Don (San Mateo, CA)
Detailed Ratings: Orange_star_full Orange_star_full Orange_star_full Orange_star_full Orange_star_half 
Introductory APR (Purchases and Transfers) Blue_box Blue_box Blue_box Blue_box Blue_box 
Benefits (Reward program,service discounts, theft protection) Blue_box Blue_box Blue_box Blue_box_empty Blue_box_empty 
Fees (Balance transfers, annual fee, cash advances) Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
Standard APR Blue_box Blue_box Blue_box Blue_box Blue_box 
Customer Service Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
REVIEW:
Saved a boatload in interest on my 15% credit card balance
I definitely would recommend this card to a friend.
1 out of 2 people found this review helpful.
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RATING:  
8.0
annual fees applying
Date Posted: 02/26/2010        By: mks (North Carolina)
Detailed Ratings: Orange_star_full Orange_star_full Orange_star_full Orange_star_full Orange_star_half 
Introductory APR (Purchases and Transfers) Blue_box Blue_box Blue_box Blue_box Blue_box 
Benefits (Reward program,service discounts, theft protection) Blue_box Blue_box Blue_box Blue_box Blue_box 
Fees (Balance transfers, annual fee, cash advances) Blue_box Blue_box Blue_box_empty Blue_box_empty Blue_box_empty 
Standard APR Blue_box Blue_box Blue_box Blue_box Blue_box_empty 
Customer Service Blue_box Blue_box Blue_box Blue_box Blue_box 
REVIEW:
Starting in April an annual fee will be charged @ $60 per year
I definitely would recommend this card to a friend.
1 out of 1 people found this review helpful.
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