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The Citi Simplicity card offers the longest intro 0% APR period of 21 months on balance transfers. But, keep in mind, that it also has a higher balance transfer fee of 5% while the average is only 3%. The card also features simplicity with no penalty fees, no late fees, and no annual fees.
- Good credit needed
- Citi will only approve you for one personal card every 8 days, and only 2 Citi personal cards within 65 days
- Citi will usually pull your Experian credit report (If you freeze Experian you can sometimes request the reconsideration department to pull Equifax)
- You can check your application status here or call 1 888 201 4523
- If declined you can call 1 800 695 5171 to be reconsidered
- Balance transfer fee: 3% or $5, whichever is greater
- You cannot transfer balances from other credit cards issued by Citi Bank
- To receive the Intro APR Offer, transfers must be completed within the first 4 months of account opening
- No penalty APR
- No penalty fees
- No late fees
- No annual fee