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Citi Simplicity® Card

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.9/5.0 from 242 Offer Ratings
Over the Past 60 Days!

(242) Over the Past 60 Days!
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on Citibank's secure site

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  • Intro Purchase APR 0% for 18 months on Purchases
  • Intro BT APR 0% for 18 months on Balance Transfers
  • Regular Purchase APR 14.74% - 24.74% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 877-886-4537. TTY: Use 711 or other Relay Service.
  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
  • See additional Citi Simplicity® Card details

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Citi® Diamond Preferred® Card

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.3/5.0 from 588 Offer Ratings
Over the Past 60 Days!

(588) Over the Past 60 Days!
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on Citibank's secure site

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  • Intro Purchase APR 0% for 18 months on Purchases
  • Intro Balance Transfer APR 0% for 18 months on Balance Transfers
  • Regular Purchase APR 13.74% - 23.74% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 866-553-0847. TTY: Use 711 or other Relay Service.
  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 13.74% - 23.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 13.74% - 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
  • See additional Citi® Diamond Preferred® Card details

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BankAmericard® credit card

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.9/5.0 from 181 Offer Ratings
Over the Past 60 Days!

(181) Over the Past 60 Days!
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on Bank of America's secure site

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  • Intro APRs 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 12.99% - 22.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • No Penalty APR Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Build Credit Access your FICO® Score for free within Online Banking or your Mobile Banking app
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 800-483-4499.
  • New Offer!  $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening.
  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days.  After the intro APR offer ends, 12.99% - 22.99% Variable APR will apply.  A 3% fee (min $10) applies to all balance transfers.
  • 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
  • Contactless Cards - The security of a chip card, with the convenience of a tap
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

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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.


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 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
" " CompareCards says issuers are providing such generous deals, they're virtually irresistible for those willing to switch.

" " 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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