0% Intro APR on Balance Transfers

Credit cards with 0% introductory interest on balance transfers are designed to help peopleĀ save money by transferring high interest balances to a 0 interest credit card so that it eliminates potential interest charges. For example, if you have $5,000 in credit card debt and are paying an interest rate of 15%, transferring balances to a credit card with zero interest for 18 months can provide substantial savings. You can save around $1,153 on interest charges over the next 18 months. If you’re carrying a credit card balance each month, it’s well worth your time and effort to apply for a credit card offering 0% intro APR on balance transfers.

  • 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
  • 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 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Intro APR
0% on Purchases and Balance Transfers
Intro APR Period
18 months
Regular APR
14.74% - 24.74% (Variable)
Annual Fee
$0
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • 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 13.99% - 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Intro APR
0% on Balance Transfers
Intro APR Period
18 months
Regular APR
13.99% - 23.99% (Variable)
Annual Fee
$0
  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee - either $5 or 3% of the amount of each transfer, whichever is greater.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Intro APR
0% on Purchases and Balance Transfers
Intro APR Period
15 months
Regular APR
13.49% - 23.49% (Variable)
Annual Fee
$0
  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99% - 23.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No expiration on rewards
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
  • Contactless Cards - The security of a chip card, with the convenience of a tap
Intro APR
0% on Purchases and qualifying Balance Transfers
Intro APR Period
12 billing cycles
Regular APR
13.99% - 23.99% Variable APR on purchases and balance transfers
Annual Fee
$0
  • Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more
  • Earn 4X points on takeout, food delivery and dining
  • Earn 2X points at grocery stores, grocery delivery, gas stations and on streaming services
  • $15 credit for annual streaming service purchases such as Netflix and Spotify
  • No annual fee*
  • 1X point per $1 on all other eligible purchases
  • Low Introductory APR on purchases and balance transfers
  • Points never expire
  • Bonus: You will receive $200 back after you spend $1,000 in purchases on your new Card within the first 3 months.
  • Rewards: You will earn 3% cash back on purchases at U.S. supermarkets, up to the first $6,000 per year, then 1% cash back afterwards. You will earn 2% cash back at U.S. gas stations and at select U.S. department stores. You will earn 1% cash back on other purchases.
  • Annual Fee: This credit card has no annual fee.
  • Bonus: earn $150 cash rewards bonus after you spend at least $500 in purchases in your first 3 months from account opening.
  • Rewards: You will earn unlimited 1.5% cash rewards on purchases. You will earn 1.8% cash rewards on purchases when using a qualified digital wallet (for example, Apple Pay or Google Pay) during the first 12 months from the date the account is opened.
  • Annual Fee: This credit card has no annual fee. You can keep the card without having to pay a fee.
  • 0% Intro APR: Enjoy 0% intro APR for 18 months on purchases and qualifying balance transfers. A balance transfer request must be made within 120 days from account opening to qualify for the introductory APR.
  • Perks: Get access to your FICO® Credit Score. Get up to $600 protection on your cell phone against covered damage or theft when you use your Wells Fargo Platinum card to pay monthly cellular telephone bill.
  • Annual Fee: This credit card has no annual fee.
  • Bonus: Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months, which can be redeemed for $200 gift cards.
  • Rewards: You will earn 3 points for each dollar spent on dining, gas, travel, rideshares and transit, and popular streaming services. You will earn 1 point for each dollar spent on other purchases.
  • Fees: This credit card has no annual fee. It has no currency conversion fee, either.
  • 0% Introductory APR for 12 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
Intro APR
0% on Purchases and qualifying Balance Transfers
Intro APR Period
12 billing cycles
Regular APR
12.99% - 22.99% Variable APR on purchases and balance transfers
Annual Fee
$0
  • 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 13.99% - 23.99%.
  • Great offer from U.S. Bank, a 2020 World's Most Ethical Company® - Ethisphere Institute, February 2020.
  • No Annual Fee*
  • Flexibility to choose a payment due date that fits your schedule.
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
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