Citibank Balance Transfer Credit Cards

Citibank balance transfer offers are among the most generous available. Some Citibank cards offer 0% introductory interest rates for 18 months on balance transfers as well as 0% introductory rates for 12 months on purchases. Additionally, many Citibank balance transfer credit cards also come with 0% interest rates on purchases that can last as long as 12 months.

Once the 0% APR period expires on a Citi balance transfer card, they offer some of the lower 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 to excellent credit.

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

Citibank 0% Balance Transfers

Some Citibank 0% balance transfer deals are advertised 7 or 15 months. Unfortunately, not all applicants will get the longest 0% rates with Citi balance transfers. In the fine print of some Citibank balance transfer offers, you will find that your rate is based on a review of your application and credit history.

Based on this review, your Citibank balance transfer offer could last anywhere from 7 months to 15 months if you apply for a card with multiple 0% rate periods. Applicants with the best credit will likely get the full 15 month balance transfer advertised by Citi. For other applicants, Citibank may only grant 0% balance transfer rates for 7 months. Fortunately, the longest Citibank balance transfer offer currently lasts for 18 months, so this is not as big of an issue for applicants as it was in the past.

The same rules Citibank uses in determining the length of 0% APR balance transfer offers is also applied to the long term interest rate. Again, applicants with the best credit will probably qualify for the lowest long term interest rates, while those with merely good or average credit may get interest rates that are substantially higher. Again, the important thing to do is review your Citi credit card’s terms and conditions when it arrives in the mail to make sure the credit card you are approved for is acceptable to you. There is a huge difference between getting a Citi balance transfer that lasts 15 months and one that lasts 7 months. If you get approved for the shorter period, you may not want to use your new Citibank card for balance transfers at all.

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*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.