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

 

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4.2/5.0 from 1,860 Offer Ratings
Over the Past 60 Days!

(1,860) Over the Past 60 Days!
  • Intro Purchase APR 0%* for 21 months on Purchases*
  • Intro BT APR 0%* for 21 months on Balance Transfers*
  • Regular Purchase APR 13.49% - 23.49%* (Variable)
  • Annual Fee $0*
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 877-836-4537 TTY: Use Relay Service
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.49%-23.49% based upon your creditworthiness.* 
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer. 
  • 24/7 access to Citi® Concierge for help in booking hotels, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee* 
  • Free access to FICO® Scores*

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BankAmericard® Credit Card

 

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3.8/5.0 from 664 Offer Ratings
Over the Past 60 Days!

(664) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% Intro APR for 15 billing cycles for balance transfers made in the first 60 days
  • Balance Transfer Fee $0 Intro balance transfer fee for the first 60 days your account is open. After that, the fee for future balance transfers is 3% (min. $10)
  • Regular APR 12.99% - 22.99% Variable APR on purchases and balance transfers
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 800-483-4499
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 12.99% - 22.99% Variable APR
  • $0 Intro Balance transfer fee during first 60 days of account opening. After that, the fee for future balance transfers is 3% (min. $10).
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app

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Discover it® - 18 Month Balance Transfer Offer

 

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3.7/5.0 from 202 Offer Ratings
Over the Past 60 Days!

(202) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% for 18 Months*
  • Rewards Rate Up to 5% cash back in bonus categories, 1% on everything else*
  • Exclusive Bonus Offer Get a dollar-for-dollar match of all the rewards you've earned at the end of your first year, automatically*
  • Annual Fee $0
  • Credit Needed Excellent/Good Credit
  • Card Brand Discover

Highlights

  • Click "APPLY NOW" to apply online or call 888-333-5886
  • You could turn $200 into $400 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.

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Citi® Double Cash Card – 18 month BT offer

 

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4.5/5.0 from 869 Offer Ratings
Over the Past 60 Days!

(869) Over the Past 60 Days!
  • Intro APR 0%* for 18 months on Balance Transfers*
  • Rewards Rate Earn 1% on Purchases & 1% on Payments
  • Regular Purchase APR 14.49% - 24.49%* (Variable)
  • Annual Fee $0*
  • Credit Needed Excellent, Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 888-343-4081 TTY: Use Relay Service
  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro  APR on Balance Transfers for 18 months. After that, the variable APR will be 14.49% - 24.49% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*

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Citi Simplicity® Card - No Late Fees Ever

 

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Your Rating:

3.8/5.0 from 752 Offer Ratings
Over the Past 60 Days!

(752) Over the Past 60 Days!
  • Intro Purchase APR 0%* for 21 months on Purchases*
  • Intro BT APR 0%* for 21 months on Balance Transfers*
  • Regular Purchase APR 14.49% - 24.49% (Variable)
  • Annual Fee $0*
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 877-886-4537 TTY: Use Relay Service
  • 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 14.49% - 24.49% 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.

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Blue Cash Everyday® Card from American Express

 

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3.8/5.0 from 486 Offer Ratings
Over the Past 60 Days!

(486) Over the Past 60 Days!
  • Welcome Offer $100 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months
  • Bonus Cash Back 3% at U.S. supermarkets on up to $6,000 per year in purchases*
  • Rewards Rates 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand American Express

Highlights

  • Click "APPLY NOW" to apply online or call 866-901-8258
  • $100 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See Rates & Fees

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Wells Fargo Platinum Visa® Card

 

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Your Rating:

3.7/5.0 from 302 Offer Ratings
Over the Past 60 Days!

(302) Over the Past 60 Days!
  • Introductory APR 0% for 18 months on purchases and balance transfers*
  • Low Fees Enjoy $0 Annual Fee
  • Cell Phone Protection Covers damage & theft, up to $600 per claim*
  • Annual Fee $0
  • Credit Needed Excellent
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • 0% Intro APR for 18 months on purchases and balance transfers, then a 16.15%-25.99% variable APR; balance transfer fees apply
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa® Card
  • Free access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions

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Barclaycard Ring™ Mastercard®

 

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Your Rating:

3.7/5.0 from 234 Offer Ratings
Over the Past 60 Days!

(234) Over the Past 60 Days!
  • Introductory APR 0% for 15 months
  • Rates & Fees No Annual Fee, No Balance Transfer Fee, & No Foreign Fees
  • Regular Purchase APR 13.99% Variable
  • Annual Fee $0
  • Credit Needed Excellent
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • 0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.99%
  • No balance transfer fees
  • No foreign transaction fees
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Free online access to FICO® Credit Score

See additional details for Barclaycard Ring™ Mastercard®

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*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.

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Picture of Patricia Robinson-McBride

By: | Mar 17, 2016

is there a credit card I can apply for with a balance transfer with not transfer fee for 18 months/

2 Replies

By: CompareCards | Mar 18, 2016

Hi Patricia,

There isn't a card that has 0% APR for 18 months as well as no balance transfer fee. However, two good offers that come close are the Chase Slate and the Citi Simplicity. The Chase Slate card has no fee for balance transfers made within the first 60 days and 0% APR for 15 months. The Citi Simplicity has the longest intro APR on the market with 0% for 21 months, but there is a 3% balance transfer fee. Neither card comes with an annual fee.

By: Valerie Migotti | Mar 21, 2016

Try USAA Discover card. No interest no balance transfer fees

Picture of Robbin Griffin

By: | Jan 20, 2016

I have a Chase Visa card that I need to do a balance transfer with. What would be the best credit card to apply for? I know you can't do balance transfers on the same company card. A 0% apr for 18 months with no transfer fees would be optimum but will settle for less. Thanks.

1 Reply

By: CompareCards | Jan 21, 2016

Hi Robbin,

There isn't any card that meets the specific requirements you've requested, but the Citi Simplicity comes with 0% APR for 21 months, no annual fee, and a 3% balance transfer fee.

Picture of Kat Renee

By: | Jan 14, 2016

If I already have one Citibank card, can I apply for a different Citi Card and transfer my balance and still be eligible for the 0% for a certain amount of months?

2 Replies

By: CompareCards | Jan 18, 2016

Hi Kat,

Unfortunately, you cannot transfer balances between credit cards issued by the same bank. Since you're current card is with Citi, you won't be able to transfer the balance to another Citi card. I would recommend the Chase Slate card for a balance transfer credit card. It offers 0% APR for 15 months and no fee for transfers made within the first 60 days!

By: Stephan George | Jan 27, 2016

Normally, balance transfer offers aren't available within the same bank. You would need to go to another institution.

Picture of Johnnie Silva

By: | Jan 12, 2016

I don't have an active bank account, is it possible to still apply for a oan or credit card.

1 Reply

By: Debbye Dyer | Apr 27, 2016

Probably not possible. I think use of a bank account shows them stability.

Picture of Robin Gersten

By: | Jan 7, 2016

Are there any other cards besides Chase Slate that don't have a transaction fee for balance transfers?

1 Reply

By: CompareCards | Jan 7, 2016

Hi Robin,

The Chase Slate card is not the only credit card that has no balance transfer fee, but it is the only one that also has no annual fee and a lengthy 0% intro APR. For more details, check out our latest blog post about credit cards with no balance transfer fee!

Picture of Joanne Robinson

By: | Jan 4, 2016

I applied for a Citi Bank MasterCard and was approved . The balance I need to transfer is more than I was approved for can I cancel the card?

2 Replies

By: CompareCards | Jan 6, 2016

Hi Joanne,

You can certainly cancel the card if you choose. However, depending on your situation, it may be wise to leave it open. If the card you applied for has a 0% APR on balance transfers and you're currently paying a high interest rate, you could still save a lot of money by transferring a portion of that balance over to your new Citi card. Although it is not ideal, it would still help you avoid interest charges on part of your balance. You could consider applying for another offer with 0% APR, like the Chase Slate, to help pay off the rest of your balance.

By: Stephan George | Jan 27, 2016

My opinion? Call them and tell them the circumstances. They may increase the credit line if they know the reason you are opening the card is to transfer debt to them and not create it. Worth a try.

Picture of Candy Norvell

By: | Jan 2, 2016

I have all of the cards. Should I close out my slate card which has a zero balance and then re-open it to transfer a balance on an Amex card over? How long do I have to have the slate closed before I can re-apply? And does closing that slate card affect my credit score? How do you do cash advances? Do you have to have a new card for cash advances as well?

1 Reply

By: Stephan George | Jan 27, 2016

first of all, I would never close a card. one of the factors that effect your credit rating is the ratio of used credit to open credit. second, I would call chase and ask them -- they don't want to see you go somewhere else. third, if you are considering chase, I would look at the Bank of America cards (one is a better balance card, which gives you a bonus payment of $25(?) every quarter if you always pay more than the limit. I am not sure if that applies if you have nothing due, but it's sure worth a try!

Picture of Jennifer Foote

By: | Jan 2, 2016

Was looking for a good card to transfer balances to. I was looking a lot say 0% interest for a time but below it says 3% interest on balance transfers. So I'm a little confused.

1 Reply

By: CompareCards | Jan 6, 2016

Hi Jennifer,

The 3% number that you are seeing is referring to the balance transfer fee, not the interest rate. For example, the Citi Simplicity offers 0% APR for 21 months, but it comes with a 3% balance transfer fee. This means that if you transfer $1,000 to this card, you will be changed a fee of $30, making your total balance $1,030. But since you will have 21 months to pay this balance down totally interest free, you will still save a lot of money as opposed to attempting to pay it down on a card with a high interest rate.

Picture of Will Nolan

By: | Dec 3, 2015

Capital one is a very good card .they gave me a card for 300 to start and now have 2 cards quicksilver and my first card with ample credit and I started out with no credit, and started completely from scratch ...thank you capital one

1 Reply

By: Debbye Dyer | Mar 14, 2016

I have the Quicksilver card. How long was it before they issued you a second card with a higher limit?

Picture of Abe Gray

By: | Dec 1, 2015

I had a Chase Slate card and recently closed the account. Can I apply as a "new" account holder and get the introductory offer? Is there a set timeframe to pass before I would be considered a new customer?

1 Reply

By: CompareCards | Dec 2, 2015

Hi Abe,

The terms on the application for the Chase Slate are not 100% clear on whether or not you will be able to receive the promotional financing offer a second time, but it seems unlikely. Here is the section of their Terms and Conditions that most closely referred to your question:

"Chase cardmembers currently receiving promotional pricing, or Chase cardmembers with a history of only using their current or prior Chase card for promotional pricing offers, are not eligible for a second Chase credit card with promotional pricing."

Page:

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Compare 0% Balance Transfer Credit Cards & Offers

One of the main reasons that people shop for a new credit card is in order to find banks that offer special 0% balance transfer credit cards for the longest period of time and with low transfer fees. In recent years consumers have started to use credit cards more wisely than they did before the big credit crisis. Now they tend to shift high-interest card balances to cards that offer a lower APR, because in doing so they are able to gain immediate and substantial savings.

Use our free balance transfer calculator and credit card payoff calculator found on this site to figure out how much money you can save by getting a better interest rate. Then look in this section for the best balance transfer credit cards that offer good deals such as 0% interest for 1 to 2 years, no-fee balance transfers, and lower regular APR rates. You will want to pay special attention to any minimum charges or transfer % that a credit card company might impose on you for transferring a balance – deduct that cost from your overall savings in order to arrive at a real net savings for transferring to a new credit card.

Let’s say that you have a card that you’re currently paying 25% interest on, but you find a card here that will only charge you 3.99% for the first year and 18% thereafter. By moving your balance to the new card you can save more than 20% right away, and 7% over the long term. If your transfer amount is $3,000 that means you save around $500– $600 in interest within the next 12 months.

Reviews
" " CompareCards says issuers are providing such generous deals, they're virtually irresistible for those willing to switch.

" " Those who always pay their balances in full and on time will usually come out ahead.

" " The offers on the credit card landscape are constantly changing which is great news for consumers.

" " In the future, the companies that will thrive are those able to give customers exactly what they want, the way they want it, when they want it.

" " CompareCards was one of three sites that met all the criteria.

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