Citibank Balance Transfer Credit Cards

Citibank balance transfer offers are among the most generous available. Some Citibank credit cards offer a 0% APR for 18 months on balance transfers as well as 0% interest rates for 18 months on purchases. Additionally, despite the fact that Citibank balance transfer offers are the longest 0% offers available, these cards come with low 3% balance transfer fees.

Once the 0% APR period expires on a Citi balance transfer card, they offer some of the lowest long term variable interest rates of all the major credit card companies. However, in order to get the longest 0% balance transfer deals and lowest interest rates with a Citi card, it helps to have good credit.

Below you can compare Citibank balance transfer offers and apply online for approval.

Current Citi Balance Transfer Offers

Citi Platinum Select Mastercard Review: The Citi Platinum Select MasterCard is the best Citibank balance transfer credit card. It typically comes with the longest 0% APR deal available and charges a low 3% balance transfer fee. Learn more about this Citibank offer.

About Citibank 0% Balance Transfers

At the end of 2010, Citibank began offering the longest 0% balance transfer deals. At first, Citi balance transfer offers lasted 15 months. They were then increased to 24 months. Recently, the length of the longest 0% APR balance transfer offers on some Citi Cards has dropped to 18 months. While these are not the longest Citibank balance transfer offers in recent history, they are among the longest currently available.

Apart from Citibank balance transfer offers, Citi’s 0% APR deals on purchases are also on the generous side as most cards come with 0% rates that last 12 months. Unlike some credit card companies that offer multiple 0% periods that can be much shorter than the advertised rate, approved applicants get 0% interest rates for the fully advertised term from Citibank.

Once the 0% rate expires on a Citi balance transfer, the long term interest rate will vary based on a number of factors analyzed when you apply. Applicants with the best credit will get the lowest advertised interest rates. However, long term interest rates are not revealed until after you apply. This is pretty common in the credit card world, as most credit card companies do this, but you should carefully examine the terms and conditions of your Citi credit card when it arrives in the mail to make sure the long term rate you get from Citibank is acceptable.

Lastly, when comparing Citibank credit cards it is important to consider what card benefits will save you the most money. If you think you could benefit from a 0% balance transfer that last 18 months, don’t even bother thinking about rewards-head straight to the Citi Platinum Select Card. This card is no frills, but offers the best rates of all Citi cards. If you are positive you can repay your balances in less time, then a Citi rewards card may offer greater benefits. However, if you tend to carry balances from month to month, it is best to stick to a card with a lower interest rate as opposed to one with richer rewards.

American Express® Balance Transfers | Citi Balance Transfers | Discover Balance Transfers | Chase Balance Transfers | Mastercard Balance Transfers

*Important Disclaimer: See credit card applications for complete terms and conditions. While Smart Balance Transfers makes reasonable efforts to maintain accurate information, all credit card information is presented without warranty. When you click an “Apply” button, you can review the credit card terms and conditions on the issuing company’s website.