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Our Detailed Review of This Card

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The by Citi (a NextAdvisor advertiser) kicks things off with a 21-month 0% intro APR on balance transfers made in the first 4 months of account opening — that’s the longest 0% intro APR we’ve seen! — which means it’s perfect for anyone who wants to pay off or down a balance. There is a 5% balance transfer fee ($5 minimum), but the 21 months of no interest more than make up for it. On top of that, the offers a 12-month 0% intro APR on purchases, allowing you to make purchases without having to worry about interest for a year. Even better, after the intro APRs expire, the interest becomes a reasonable N/A.

What’s more, the has no annual fee and comes with a number of perks. First, you’ll get free access to your FICO® Score online. As if all of that isn’t enough, your Citi card membership grants you special access to purchase tickets to thousands of events, like sporting events, concerts, dining experiences and more. Citi also makes it easy to keep up with your credit account through automatic email and text alerts that you’ll receive when a payment is posted, your payment is due or you charge over your credit limit.

When it comes to intro APRs on balance transfers, the ‘s 21-month 0% intro APR is hard to beat. The card gets even more appealing when you consider it has no annual fee, a long 0% intro APR on purchases and a whole host of benefits.

Fees and APR

  • Annual Fee: N/A
  • Foreign Transaction Fee: N/A.
  • Purchase APR: N/A, then N/A.
  • Balance Transfers APR: N/A, then N/A.
  • Balance Transfer Fee: N/A
  • *Additional details can be found on the Citi landing page.

This card currently does not have any offers associated with it.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.