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Balance Transfer Credit Cards

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on Citibank's application

  • Discover one of Citi's best cash back rewards cards designed exclusively for Costco members.
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter.
  • 3% cash back on restaurants and eligible travel purchases.
  • 2% cash back on all other purchases from Costco and Costco.com.
  • 1% cash back on all other purchases.
  • No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases.
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico.
  • The standard variable APR for Citi Flex Plan is 15.24%. Citi Flex Plan offers are made available at Citi's discretion.
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  • Discover one of Citi's best cash back rewards cards designed exclusively for Costco members.
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter.
  • 3% cash back on restaurants and eligible travel purchases.
  • 2% cash back on all other purchases from Costco and Costco.com.
  • 1% cash back on all other purchases.
  • No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases.
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico.
  • The standard variable APR for Citi Flex Plan is 15.24%. Citi Flex Plan offers are made available at Citi's discretion.
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Balance Transfer Fee

3% of each balance transfer; $5 minimum.

Intro Balance Transfer APR Period

N/A

Intro APR

N/A

Ongoing APR

15.24% Variable APR

Annual Fee

$0

Recommended Credit Score

720 - 850

Excellent - Excellent

Pros

  • Bonus cash back categories
  • No annual fee
  • High rewards rates in certain categories
  • Can use card as Costco membership ID

Cons

  • Requires excellent credit
  • Needs Costco membership to qualify
  • Rewards redeemable once a year and only at Costco

on Citibank's application

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