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NerdWallet rating 

5.0

/5

on Citibank's application

Annual Fee

$0

Intro APR

0% intro APR on Balance Transfers for 18 months

Regular APR

13.99% - 23.99% Variable APR

Recommended Credit Score

720-850
(Excellent)

NerdWallet rating 

4.8

/5

on Citibank's application

Annual Fee

$0

Intro APR

0% intro APR on Purchases and Balance Transfers for 18 months

Regular APR

14.74% - 24.74% Variable APR

Recommended Credit Score

720-850
(Excellent)

NerdWallet rating 

5.0

/5

on US Bank's website

Annual Fee

$0*

Intro APR

0%* intro APR for 20 billing cycles on purchases and balance transfers*

Regular APR

14.49% - 24.49%* Variable APR

Recommended Credit Score

720-850
(Excellent)

NerdWallet rating 

3.1

/5

on Citibank's application

Annual Fee

$0

Intro APR

0% intro APR for 15 months on purchases and balance transfers

Regular APR

13.49% - 23.49% Variable APR

Recommended Credit Score

720-850
(Excellent)