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Citi® Diamond Preferred® Card | U.S. Bank Visa® Platinum Card | Citi Simplicity® Card | Citi® Double Cash Card - 18 month BT offer | Citi Custom Cash℠ Card |
Annual Fee: $0 | Annual Fee: $0 | Annual Fee: $0 | Annual Fee: $0 | Annual Fee: $0 |
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0% Intro APR for 18 billing cycles for balance transfers and purchases, APR thereafter. |
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If you’re struggling with high interest credit card debt, you may be interested in a balance transfer credit card. These cards offer a low interest rate (or sometimes even a 0 percent interest rate) for an introductory period and allow you to transfer an existing debt from your current credit card. By having a lower or 0 percent interest rate, you are able to pay down your debt faster and spend less money on interest! Keep on reading to see some of the top balance transfer credit cards!
Card | Annual Fee | Intro Offer | Perks |
 Our Rating: Citi Simplicity® Card |
| 0% Intro APR for 12 months after account opening on all purchases, then thereafter; No Late Fees and No Annual Fee |
A simple card that’s great for balance transfers, the Citi Simplicity® Card is aptly named! With no annual fee, no late fees, and no penalty APRs, the Citi Simplicity® Card is affordable and easy to use! (It’s worth being noted that you should still make payments on time, as late payments will lower your credit score.) Because the Citi Simplicity® Card’s intro APR period for balance transfers is 21 months, you can focus on paying down credit card debt without worrying about interest payments for almost two years! This card has one of the longest into APR periods for balance transfers available. However, in keeping with the simple name, this card also does not offer any type of rewards points or spending bonus. This can be useful if your goal is to pay down debt, but if you want a rewards credit card, you’ll want to look elsewhere.
Card | Annual Fee | Intro Offer | Perks |
| Our Rating: Citi® Diamond Preferred® Card |
| 0% Intro APR for 21 months for balance transfers, APR thereafter. Balance transfers must be made within the first 4 months of account opening. An introductory balance transfer fee of $5 or 5% of the transfer amount (whichever is greater) will be charged. | No annual fee; lengthy intro APR for balance transfers. |
The Citi® Diamond Preferred® Card totes a lengthy 21-month 0% intro APR for balance transfers (after that 17.49% – 28.24% variable APR), giving you plenty of time to focus on paying down debt without worrying about interest payments! It also has a 0% Intro Apr for 12 months for purchases, with 17.49% – 28.24% variable APR thereafter. The Citi® Diamond Preferred® Card doesn’t have any rewards, instead allowing you to focus on paying down your debt. However, Citi allows you to have free access to your online FICO® Score, letting you monitor your credit score no matter where you are!
Card | Annual Fee | Intro Offer | Perks |
| Our Rating: Citi® Double Cash Card - 18 month BT offer |
| 0% Intro APR for 18 months for balance transfers, then 18.49% - 28.49% (Variable) APR thereafter. An introductory balance transfer fee of $5 or 3% of the transfer amount (whichever is greater) will be charged on balance transfers made within the first 4 months. | You can earn 2% on eligible purchases by earning 1% cash back when you purchase and 1% cash back when you pay for your purchase. The minimum payment must be met in order to earn cash back. |
With the Citi® Double Cash Card – 18 month BT offer, you can earn 2% on eligible purchases by earning 1% cash back when you purchase, and 1% cash back when you pay for your purchase! In addition to earning rewards, the Citi® Double Cash Card is also useful for balance transfers, with a 0% intro APR period of 18 months followed by APR thereafter. On the downside, the intro APR does not apply to purchases, so if you’re planning on making a big purchase and want to utilize a 0% APR, you’ll need to look for a different card. Rewards also expire if this card is not used for twelve months, making it necessary to keep a close eye on your rewards and spending. But if you want a card that’s great for both balance transfers and rewards, the Citi® Double Cash Card could be for you!
Card | Annual Fee | Intro Offer | Perks |
| Our Rating: Citi Custom Cash℠ Card |
| 0% Intro APR for 15 months on balance transfers and purchases, with (Variable) APR thereafter. | Earn 5% cash back for up to $500 spent in your top eligible spend category each billing cycle, with 1% cash back thereafter and 1% cash back on all other eligible purchases. |
With the Citi Custom Cash℠ Card, you can earn 5% cash back for up to $500 spent in your top eligible spend category each billing cycle, with 1% cash back thereafter and 1% cash back on all other eligible purchases! This is a super easy rewards system, with no rotating bonus categories or offers to pay attention to. You can also earn $200 cash back when you spend $1,500 on purchases during the first 6 months after account opening, which will be presented as 20,000 ThankYou® Points. This rewards system, combined with a 0% Intro APR for 15 months for balance transfers and purchases (with 18.49% – 28.49% variable APR thereafter), makes this card a great choice for those who want to pay down debt and benefit from easy-to-use rewards! On the downside, you could be missing out on potential earnings in your other high-spend categories when compared to other cash-back cards. Make sure you consider what you need most in a credit card when opening a new account.
Card | Annual Fee | Intro Offer | Perks |
| Our Rating: U.S. Bank Visa® Platinum Card |
| 0% Intro APR for 18 billing cycles on balance transfers and purchases, with APR thereafter. | Choose your own payment date; Get Cellphone Coverage up to $600 ($25 deductable) against theft or covered damage when you pay your monthly bill with U.S. Bank Visa® Platinum Card (Terms Apply). |
The U.S. Bank Visa® Platinum Card is great for those looking for a balance transfer card with extra perks! This card has a 0% Intro APR for 18 billing cycles for both purchases and balance transfers, with APR thereafter. With no annual fee and the ability to choose your own payment date, the U.S. Bank Visa® Platinum Card is budget friendly! In addition, if you use your U.S. Bank Visa® Platinum Card to pay your monthly cellphone bill, you can get coverage for up to $600 (with a $25 deductible) against theft or covered damage. (Terms apply.)
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