Our pick for

Longest 0% Intro APR period

Citi Simplicity® Card - No Late Fees Ever

Citi Simplicity® Card - No Late Fees Ever

Apply Now on Citibank's secure site

Intro APR Promotions

0% on Purchases and Balance Transfers for 21 months

APR

  • APR: 14.99% - 24.99% Variable APR

Annual Fee

$0

Bonus Offer

None

  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee…EVER
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.99% - 24.99% based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day – just say “representative”
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month
Balance transfer fee
3%
0% promo period
21
months
Recommended credit score
690
850
Good - Excellent
We like it for
Long 0% period for transfers No late fee No annual fee

Who it’s good for

Someone who needs as much time as possible to pay down debt interest-free.

Benefits

This card rises to the top with its ultra-long 0% balance transfer APR, $0 annual fee and free FICO score. Unlike most cards, it doesn’t charge a late fee or a penalty APR, although you should still pay on time every month. Citi allows you to transfer any kind of debt to your card, including student loans and auto loans, as long as the account number is at least five digits long and doesn’t include any letters.

Drawbacks

Bottom line

Our pick for

Long-term value

Discover it® - 18 Month Balance Transfer Offer

Discover it® - 18 Month Balance Transfer Offer

Apply Now on Discover's secure site

Intro APR Promotions

0% on Purchases for 6 months and 0% on Balance Transfers for 18 months

APR

  • APR: 11.99% - 23.99% Variable APR
  • Cash Advance APR: 25.99%, Variable

Annual Fee

$0

Bonus Offer

You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.

  • New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
  • You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Balance transfer fee
3%
0% promo period
18
months
Recommended credit score
690
850
Good - Excellent
We like it for
Cash-back rewards Long 0% period on transfers No annual fee

Who it’s good for

Someone who prefers to use one card for everything.

Benefits

Most balance-transfer cards don’t give you much of a reason to keep using them after the 0% period expires. The Discover it® - 18 Month Balance Transfer Offer is different because of its rewards program. It pays 5% cash back in rotating categories that you activate, on up to $1,500 in purchases each quarter, and 1% on everything else. In recent years, those categories have included such common merchants as gas stations, restaurants and Amazon.com. There’s also a new-cardholder bonus that gets bigger the more you use the card.

Drawbacks

Bottom line

Our pick for

No annual fee

Citi® Diamond Preferred® Card – 21 Month Intro Offer on BT and Purchases

Citi® Diamond Preferred® Card – 21 Month Intro Offer on BT and Purchases

Apply Now on Citibank's secure site

Intro APR Promotions

0% on Purchases and Balance Transfers for 21 months

APR

  • APR: 13.99% - 23.99% Variable APR
  • Penalty APR: Up to 29.99%, Variable
  • Cash Advance APR: 26.24%, Variable

Annual Fee

$0

Bonus Offer

None

  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.99% - 23.99% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer
  • Citi® Price Rewind searches for lower prices online for 60 days for your registered purchases: you can get back up to $500 per item and $2,500 a year*
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
  • Free access to FICO® Scores*
Balance transfer fee
3%
0% promo period
21
months
Recommended credit score
690
850
Good - Excellent
We like it for
Long 0% period for transfers No annual fee

Who it’s good for

Someone who needs as much time as possible to pay down debt interest-free.

Benefits

This card offers one of the longest 0% promotions on the market, but it also provides impressive perks. You can save money on large purchases with Citi® Price Rewind, which searches for lower prices online for 60 days for your registered purchases. You can get back up to $500 per item and $2,500 a year. It offers perks that frequent travelers will find useful including 24/7 concierge service, trip cancellation protection, worldwide travel accident insurance, and rental car insurance. Citi allows you to transfer any kind of debt to your card, including personal loans and auto loans.

Drawbacks

Bottom line