
How do credit card balance transfers work?

Save money on interest charges with a balance transfer using one of Citi`s cards that features a low intro APR. Read More
Transferring a balance from higher interest credit cards to a new card with a lower APR can help you manage your debt
Compare our cards below to find the best credit card for transferring a credit card balance.Read Less
Enjoy no annual fee1 and Citi® Diamond Preferred® Card`s low introductory APR on balance transfers and purchases.
Transfer high-interest balances from your other cards to the Citi® Diamond Preferred® Card and take some time to enjoy a low-interest lifestyle.
% Intro APR for months. After that, the variable APR will be % - %, based on your creditworthiness.1
% Intro APR for months. After that, the variable APR will be % - %, based on your creditworthiness.1
Balance transfer fee of either $ or % of the amount of each transfer, whichever is greater.1
No Annual Fee1
Transfer high-interest balances from your other cards to the Citi® Diamond Preferred® Card and take some time to enjoy a low-interest lifestyle.
% Intro APR for months. After that, the variable APR will be % - %, based on your creditworthiness.1
% Intro APR for months. After that, the variable APR will be % - %, based on your creditworthiness.1
Balance transfer fee of either $ or % of the amount of each transfer, whichever is greater.1
No Annual Fee1
The Citi Rewards+® Card features a great introductory APR on balance transfers and purchases for new customers. You`ll earn 2X points at supermarkets and gas stations for the first $6,000 per year. Plus, the Citi Rewards+® Card automatically rounds up to the nearest 10 points on every purchase, making it easy to turn everyday spending into rewards.
Earn bonus points after you spend $ in purchases with your card within the first months.
% Intro APR on purchases and balance transfers for months; after that the variable APR will be % - %, based on your creditworthiness1
Balance transfer fee of either $ or % of the amount of each transfer, whichever is greater1
No Annual Fee1
Earn bonus points after you spend $ in purchases with your card within the first months.
% Intro APR on purchases and balance transfers for months; after that the variable APR will be % - %, based on your creditworthiness1
Balance transfer fee of either $ or % of the amount of each transfer, whichever is greater1
No Annual Fee1
Our Citi® Double Cash Card features a low intro APR on balance transfers. When you transfer a high interest balance from other credit cards to the Citi® Double Cash Card, you can save on interest and have more time to pay it off.
Earn cash back TWICE. Earn 2% on purchases with 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
% – % variable APR, based on your creditworthiness1
% Intro APR on balance transfers for months; after that the variable APR will be % – %, based on your creditworthiness1
Balance transfer fee of either $ or % of the amount of each transfer, whichever is greater1
No Annual Fee1
Earn cash back TWICE. Earn 2% on purchases with 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
% – % variable APR, based on your creditworthiness1
% Intro APR on balance transfers for months; after that the variable APR will be % – %, based on your creditworthiness1
Balance transfer fee of either $ or % of the amount of each transfer, whichever is greater1
No Annual Fee1
Balance transfers just got simpler with the Citi Simplicity® Card that features a low introductory rate on balance transfers and purchases for new accounts. Add in no annual fee, no late fees, and no penalty interest rates to make balancing your finances simple.1
The only credit card where 'no' is good: no late fees, no penalty rate and no annual fee – ever1.
% Intro APR for months. After that, the variable APR will be % – %, based on your creditworthiness.1
% Intro APR for months. After that, the variable APR will be % - %, based on your creditworthiness.1
Balance transfer fee of either $ or % of the amount of each transfer, whichever is greater1
No Annual Fee1
The only credit card where 'no' is good: no late fees, no penalty rate and no annual fee – ever1.
% Intro APR for months. After that, the variable APR will be % – %, based on your creditworthiness.1
% Intro APR for months. After that, the variable APR will be % - %, based on your creditworthiness.1
Balance transfer fee of either $ or % of the amount of each transfer, whichever is greater1
No Annual Fee1