Balance Transfer Credit Cards
In this category, you'll find only zero percent balance transfer credit cards. By transferring your high interest rate card balances to new zero percent credit card offers, you can save a lot of money on monthly interest. Make sure to take the fees for making a balance transfer and the duration of the 0% APR offer into consideration before applying.
- 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12
- Annual Fee: $0
- Credit Needed: Good
| Introductory APR | Balance Transfer | Regular APR |
| 0% for 6 months* | 0% for 12 months* | 11.99-22.99% Variable* |
- Simplify your finances by consolidating your balances
- Enjoy $0 Fraud Liability protection
- Annual Fee: $0
- Credit Needed: Good
| Introductory APR | Balance Transfer | Regular APR |
| 0% until May 2013* | 0% until May 2013* | 10.9-18.9% Variable* |
- Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
- Annual Fee: $0
- Credit Needed: Excellent
| Introductory APR | Balance Transfer | Regular APR |
| 0% for 18 months* | 0% for 18 months* | 11.99-21.99% Variable* |
- Enjoy a 50% bonus on the cash back you earn every year
- Earn 1% cash back on all purchases
- New account holders can earn a one-time $100 bonus
- Annual Fee: $0
- Credit Needed: Good
| Introductory APR | Balance Transfer | Regular APR |
| 0% until February 2013* |
0% until February 2013* |
12.9-20.9% Variable* |
- 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more
- Annual Fee: $0
- Credit Needed: Excellent
| Introductory APR | Balance Transfer | Regular APR |
| 0% for 18 months* | 0% for 18 months* | 11.99-21.99% Variable* |
- Peace of mind through direct access to a service representative, no late fees and no penalty rate
- Annual Fee: $0
- Credit Needed: Excellent
| Introductory APR | Balance Transfer | Regular APR |
| 0% for 18 months* | 0% for 18 months* | 11.99-21.99% Variable* |
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Annual Fee: $0
- Credit Needed: Excellent
| Introductory APR | Balance Transfer | Regular APR |
| 0% for 15 months* | 0% for 15 months* | 10.99-20.99% Variable* |
- $100 in gift cards - When you redeem the 10,000 bonus ThankYou® Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months
- 5 points for every $1 spent at restaurants and on books, movies and music.
- Annual Fee: $0
- Credit Needed: Good
| Introductory APR | Balance Transfer | Regular APR |
| 0% for 7 months* | 0% for 12 months* | 12.99-22.99% Variable* |
- $100 cash back after $500 in purchases within the first 3 months of account opening
- 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment. Each quarter, you can enroll to earn additional cash back in popular categories. To learn more, visit dividend.quarterlyoffer.citi.com.
- Full 1% cash back on all other purchases and eligible cash advances
- Annual Fee: $0
- Credit Needed: Excellent
| Introductory APR | Balance Transfer | Regular APR |
| 0% for 12 months* | 0% for 12 months* | 12.99-22.99% Variable* |
* Read Terms & Conditions on any credit card offer before you apply.
Balance transfer credit cards are not necessarily the best deals for long term use. They also might not have the most favorable interest rates for new purchases. If you want to see credit cards that have both zero percent balance transfer offers AND a long-term 0% APR for regular purchases, then go to the 0% APR Credit Cards category.
