There is a big misconception circulating around the Internet about 0% balance transfer offers. I’ve heard time and again that these offers are disappearing. While it’s true that transfer deals have changed a lot in the last year, don’t believe for one minute that good balance transfer cards are gone. They are not!
In fact, there are literally dozens of balance transfer cards from top credit card companies available right now. The problem is that so many credit card sites focus on just a few of the card issuers, like Citi and Discover. What many sites leave out are great balance transfer offers from Capital One, Bank of America, Chase, and others.
So what we’ve done is put together this huge list of 0% balance transfer offers. We’ve organized the credit card offers by issuer, and provided a short description of each card, including the terms of its balance transfer feature. Keep in mind that a card’s terms can and will change frequently. While we endeavor to keep this page updated, please be sure to double-check the terms of the no interest transfer before applying for the card.
So with that, here is a massive list of 0% balance transfer offers.
Citi 0% Balance Transfer Offers
Citi offers several cards with balance transfer features, including some up to 12 months.
Citi Platinum Select Card (up to 12 months)
The Citi Platinum Select Card is one of my favorite cards and one that I’ve carried for many years. Until recently, it offered a 9-month balance transfer offer. It has now increased theoffer to up to 12 months. Depending on your credit history, you may end up with a shorter balance transfer. This is called risk-based pricing, and it is becoming more common among credit cards. It’s just another good reason to keep your credit score as high as possible.
The card is not a rewards card, but does offer a reasonable regular APR as low as 11.99%. But its balance transfer feature is the card’s best benefit. The balance transfer fee is 3% of the balance transferred, with a $5 minimum.
Citi CashReturns Card (up to 12 months)
The CashReturns Card combines both a 0% balance transfer feature and cash back rewards. The balance transfer is good for up to 12 months, again depending on your credit history. The balance transfer fee is 3%, with a $5 minimum. The cash returns feature pays you back 1% on all purchases. Once you earn $50, Citi will automatically send you a check.
Citi Forward (6 months)
The Citi Forward card offers a 6-month balance transfer with the same 3% transfer fee as most of Citi’s cards. But the Forward card offers a lot more than just a balance transfer:
- Up to 2% purchase APR reduction when you make a purchase, stay under your credit line and pay on time 3 billing periods in a row
- 6,000 ThankYou points after you make $50 in purchases within the first 3 months
- 5,000 points when you sign up for paperless statements within the first 3 months
- 5 points for every $1 you spend on dining, fast food and entertainment, 1 point for every $1 you spend on other purchases†
- 100 points each billing period when you pay on time and stay under your credit line
- 0% APR on Purchases in addition to Balance Transfers for first 6 months
- No annual fee
Citi Diamond Preferred Rewards Card (up to 12 months)
Citi Diamon Preferred offers a 0% balance transfer for up to 12 months, and it also offers 0% on purchases. Card holders also qualify for Thank You points.
Citi Diamond Preferred Card (up to 9 months)
The Citi Diamond Preferred card is similar to the rewards card, but the 0% transfer offer is good for up to 9 months. It also does not offer the same Thank You points rewards.
Citi Professional Card with ThankYou Network (6 months)
This card is designed for professionals with business expenses. The balance transfer is good for six months, with a 3% balance transfer fee. Make just $250 worth of purchases and you’ll earn 6,000 Thank You points, redeemable for a $50 gift card.