Pay No Interest For Nearly 2 Years On Balance Transfers
With 21 full months of 0% interest on balance transfers (16.74% - 27.49% (Variable) after the intro period), it’s easy to see why the Citi® Diamond Preferred® Card from our partner Citi is our top-rated balance transfer card for consumers with good to excellent credit.
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This card offers 21-month 0% intro APR on balance transfers — one of the longest available — along with 12 months of no interest on purchases!
| Intro APR |
0% intro APR for 21 months on Balance Transfers 0% intro APR for 12 months on Purchases |
|---|---|
| Regular APR | 16.74% – 27.49% (Variable) |
| Annual Fee | $0 |
- Very long intro APR on balance transfers
- No annual fee
- Free FICO® score access
- Shorter intro APR on purchases
- Balance transfer fee increases after the first four months
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0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 16.74% – 27.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
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There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
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No Annual Fee – our low intro rates and all the benefits don’t come with a yearly charge.
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Buy now and pay later. Split your payment for eligible purchases of $75 or more into a fixed payment with Citi® Flex Pay.
- Get free access to your FICO® Score online.
Here’s Why We Love This Balance Transfer Card
If you’re looking to optimize your credit card interest payments, a balance transfer card is rated based on how much time the card issuer gives you to pay down your existing balance without any interest payments. With 21 full months of 0% interest on balance transfers, it’s easy to see why the Citi® Diamond Preferred® Card is our top-rated balance transfer card.
The Citi® Diamond Preferred® Card is an attractive card for those interested in:
- Transferring existing balances
- $0 Annual Fee
Do you need some breathing room with your credit card interest payments?
If so, the Citi® Diamond Preferred® Card is a great option that offers a 0% intro APR for 21 months on Balance Transfers and 0% intro APR for 12 months on Purchases. After the introductory period, a 16.74% - 27.49% (Variable) will apply. These incredibly generous intro periods make the Citi® Diamond Preferred® Card one of the best available options, especially for balance transfers.
We think the Citi® Diamond Preferred® Card is tough to beat but we have rounded up some other options from our partners that may appeal to you as well.
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The exceptional 0% intro APR — 21 months on purchases and on qualifying balance transfers — makes the Wells Fargo Reflect® Card one of the best cards on the market.
| Intro APR | 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers |
|---|---|
| Regular APR | 17.74%, 24.24%, or 28.49% Variable APR |
| Annual Fee | $0 |
- No annual fee
- Exceptionally long intro APR period
- Cell phone protection option
- Some competing cards charge a lower balance transfer fee
- There is a foreign transaction fee so it’s not the best option for purchases outside of the U.S.
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Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
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0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.74%, 24.24%, or 28.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
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$0 annual fee.
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Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It’s an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
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This card transfers high-interest debt at a low APR while earning cash back — and offers Unlimited Cashback Match™ for your first-year rewards.
| Intro APR |
0% Intro APR on balance transfers for 18 months; balance transfer fee applies 0% Intro APR on purchases for 6 months |
|---|---|
| Regular APR | 17.74% – 26.74% (Variable) |
| Welcome Offer | Earn Unlimited Cashback Match™ INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300 |
| Cash Back | 1% – 2% Earn 2% Cash Back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Earn 1% Cash Back on all other purchases. |
| Annual Fee | $0 |
- Long introductory APR for balance transfers
- Unlimited dollar-for-dollar cash back match in the first year
- Elevated 2% rewards rate for gas stations and restaurants
- The highest cash-back rate, 2% for gas and restaurants, is limited to $1,000 in combined purchases per quarter.
- Base cash back rate is only 1%
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Get a 0% intro APR for 18 months on balance transfers and 0% intro APR on purchases for 6 months; balance transfer fee applies. Then 17.74% – 26.74% Standard Variable APR applies, based on credit worthiness
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INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300
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Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. You’ll still earn unlimited 1% cash back on all other purchases
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Redeem cash back for any amount
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No annual fee
- Terms and conditions apply
As you can see, it is a great time to be in the market for a new credit card. Issuers are really stepping up their game and offering incredible perks to win your business. If you have good to excellent credit in the 670 – 850* range and have not recently applied for a new credit card then you should definitely apply for one of these stand-out options today.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics™ references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.