Citi offers credit cards with long introductory APR periods to help consolidate debt or tackle high-interest balances, along with rewards and benefits depending on which card is chosen.
Some of the top Citi credit cards with balance transfer offers feature 0% interest on debt repayment for up to 15 months, 18 or 21 months.
0% intro APR for 15 months
If you have multiple credit card debts, consolidating them onto one card may help simplify repayment and keep track of payments more easily. Be sure to compare 0% intro APR offers and fees when selecting your card.
Citi Custom Cash Card provides an attractive 0% intro period on both transfers and purchases, along with a customizable rewards program and no annual fee.
Citi Diamond Preferred Card offers an extended 0% interest promo lasting nearly two years on both new and transferred balances, at no cost for balance transfers of $5 or 5% of transfer amount – which may be higher than some cards but could help you to pay down debt more efficiently. It may be worth paying the additional costs in order to achieve financial freedom.
0% intro APR for 21 months
If you need help managing debt or want to make a large purchase and pay it off over time, Citi cards such as the Citi Custom Cash Card and Simplicity card could be helpful in managing it and accruing rewards quickly. Both come equipped with an introductory period where balance transfers and purchases qualify for zero percent APR; both also feature valuable rewards that add up quickly.
Be mindful when comparing these credit cards that they all charge annual fees and vary in reward categories and benefits, which could affect how they work for your spending habits and financial goals. Run the numbers to ensure the perks and features align with these. Also keep an eye out for other offers that may be available such as longer 0% intro periods for balance transfers or higher rewards rates than those featured here; WalletHub rates these based on expected rewards value, card fees and approval requirements.
0% intro APR for 24 months
Citi Diamond Preferred Card makes paying off a balance more affordable with nearly two years of interest-free payments, thanks to a 0% introductory APR on both balance transfers and purchases; its longer period on balance transfers stands out even among similar cards. Plus, no annual fee is charged and it provides rewards such as entertainment discounts and event access!
However, keep in mind that intro 0% APR periods don’t last forever and interest rates will eventually go up. Therefore, when considering applying for such credit cards it is advisable to ensure you can pay off your balance by the end of their introductory periods; fees such as balance transfer and foreign transaction charges should also be kept in mind; in addition be mindful of fees such as balance transfer charges as they vary widely by card.
0% intro APR for 36 months
Credit cards offering long 0% introductory periods can be ideal for debt consolidation, as you can make strides toward paying down large balances before interest charges accumulate. Furthermore, all of your payment goes straight towards principal debt rather than interest charges – no worries there!
Citi offers several 0% intro APR cards that can help you tackle debt and save money, offering rewards and extended 0% intro APR periods on purchases and balance transfers.
This card boasts one of the longest 0% intro APR periods for balance transfers, giving you nearly two years to clear high-interest debt without incurring interest charges. However, its transfer fee of 3% or $5 minimum may be higher than other cards.
0% intro APR for 48 months
Credit card balance transfers can be an effective solution to debt accumulation on credit cards. They allow you to clear away credit card debt without incurring interest charges, however you must ensure you settle it prior to expiration of your 0% introductory APR period.
Citi offers numerous cards that provide long 0% intro APR periods for balance transfers and new purchases, such as the Citi Diamond Preferred Card with nearly two years of interest-free debt repayment; however, its balance transfer fee of $5 or 5% (whichever is greater) makes this card unsuitable for use as debt consolidation tools.
Citi Double Cash card provides another great alternative, offering an introductory 0% APR period and cash back rewards on every purchase – not to mention having no annual fee! Interested in knowing more? You can prequalify for one online.
0% intro APR for 60 months
Offering almost two years to repay a balance transfer is one of the main draws of this card, though it doesn’t earn rewards and comes with an optional fee of either 3% or $5 minimum (whichever comes first).
To determine the most suitable Citi credit cards with long intro APR offers for you, consider your financial situation and debt repayment goals before using our best credit card compare tool to compare their introductory APR periods, fees and perks. Also use WalletHub’s payoff calculator to see which will save the most while taking into account how often you’d plan to use the card for purchases to maximize rewards and minimize interest charges over time.
0% intro APR for 72 months
No matter if it’s credit card debt relief or financing a major purchase, balance transfer cards offer plenty of solutions. But it is crucial that you know exactly how much of an affordable monthly payment you can afford before the 0% introductory period expires – balance transfer credit cards offer significant financial savings by helping to quickly pay down high interest debt with ease.
Citi Diamond Preferred Card has one of the longest 0% APR balance transfer offers available today, giving you nearly two years to make progress towards paying down credit card debt. Keep in mind that it does have a 5% balance transfer fee but this remains lower than many other credit card providers.
Citi offers an impressive array of credit cards with unique benefits, which you can learn about on WalletHub for free. To select the card best suited to you, it starts by understanding your own individual credit score – something which Citi’s cards make easier by providing free checks for this purpose.
0% intro APR for 90 months
No matter if you’re consolidating debt or making major purchases, finding the ideal credit card with the longest interest-free period will be key to your success. In addition to that benefit, certain cards also provide cash rewards or welcome bonuses which could further help.
The Citi Double Cash Card provides an extended 0% intro APR period on purchases and balance transfers – nearly two years to pay down your debt! Plus, this card doesn’t charge an annual fee!
This card’s 0% intro APR offer can help you make headway on paying down high-interest debt quickly, since all your payments go toward principal instead of accruing interest charges. Unfortunately, however, there is a transfer fee of $5 or 5% of transferred amount which could reduce savings; to maximize savings before the 0% period ends it would be best if all balances could be settled before then.
0% intro APR for 120 months
No matter if you have credit card debt or are making a significant purchase, a balance transfer credit card may offer you an opportunity to save money. Not all balance transfer cards offer equal savings opportunities though; to maximize savings seek cards with long 0% interest periods and low fees such as those offered through WalletHub’s payoff calculator.
The Citi Double Cash Card is an ideal solution for those who need to reduce debt with its long 0% intro APR period on balance transfers and purchases, as well as its reward opportunities – thankYou points that can provide significant value. Apply online or over the phone; generally online application results in faster processing time.
0% intro APR for 150 months
Citi offers several balance transfer credit cards designed to help you consolidate debt quickly and affordably, including those offering zero percent APR up to 21 months and ones offering rewards on purchases which could help you build up points or cash back quickly.
As part of the application process, you’ll be asked for information on any cards from which you intend to transfer balances – this could include information such as their issuer, account number and how much of their balance you wish to transfer.
Balance transfer cards don’t offer many perks for making new purchases, but can be effective ways of paying down existing debt. Be wary though; balance transfer cards typically charge a fee of $5 or 5% of what is transferred; this could offset any benefits received from their 0% interest period.
