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2 Excellent Balance Transfer Credit Cards of 2020

Get a card with an intro 0% APR offer and pay off your debt faster. Compare these deals, some of which are from our partners, to find the one for you.

NerdWallet's Excellent Balance Transfer Credit Cards of 2020

Excellent for

Long 0% interest periods for balance transfers

Citibank Diamond Preferred Credit Card

on Citibank's application

on Citibank's application

Annual Fee

$0

Regular APR

14.74% - 24.74% Variable APR

Intro APR

0% on Purchases and Balance Transfers for 18 months

Recommended Credit Score
  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

on Citibank's application

  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

on Citibank's application

Pros

  • No annual fee
  • 0% for 18 months on transfers if you qualify

Cons

  • No rewards

Excellent for

Flat Rate Cash Back

Citi® Double Cash Card

on Citibank's application

Annual Fee

$0

Regular APR

13.99% - 23.99% Variable APR

Intro APR

0% on Balance Transfers for 18 months

Recommended Credit Score
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% - 23.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

on Citibank's application

Pros

  • High rewards rate
  • No annual fee
  • Intro APR period on Balance Transfers

Cons

  • No sign-up bonus
  • No 0% APR for purchases
  • $25 minimum redemption
Credit CardNerdWallet Rating Intro APRRegular APRAnnual FeeLearn More
Citibank Diamond Preferred Credit Card

Citi® Diamond Preferred® Card

on Citibank's application

Excellent for Long 0% interest periods for balance transfers

0% on Purchases and Balance Transfers for 18 months

14.74% - 24.74% Variable APR

$0

on Citibank's application

Citi® Double Cash Card

Citi® Double Cash Card – 18 month BT offer

on Citibank's application

Excellent for Flat Rate Cash Back

0% on Balance Transfers for 18 months

13.99% - 23.99% Variable APR

$0

on Citibank's application

Last updated on June 11, 2020