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If you currently carry a credit card balance, you want to pay if off as quickly as possible. As everyone knows, interest rates will keep you paying longer than you would if you only had to repay the principle. If you have good to excellent credit, you should consider a balance transfer credit card with 0% interest, to help pay down those balances faster.
Your goal is to pay off your balance while the interest rate is at 0%, so choosing a balance transfer credit card with the best combination of 0% interest period and no/low fees is important.
Lots of top credit cards advertise a 0% introductory period, but not all offers are the same. Some cards have balance transfer fees, some have bonuses (like cash back). Determining how quickly you want to pay off your credit card should dictate the card your select.
Balance Transfer Credit Cards: Read the Fine Print
It’s important to understand all of the balance transfer terms and conditions before applying. Some approved applicants are surprised when they receive interest rate terms that are not as favorable as the best rates advertised. If your balance transfer credit card APR and fees are not what you anticipated, you should try to negotiate with the issuer for better terms.
Balance transfer credit card offers are perfect for people who would like to consolidate their credit card debt onto one card. This is very beneficial if you would like to transfer balances from higher interest rate credit cards to others offering lower interest rates. Some of the balance transfer credit card offers below have low introductory 0% APR interest rate on credit card balance transfers and even cashback bonus.
Compare Balance Transfer Credit Cards
Discover® Open Road Credit Card - $150 Restaurant.com Gift Certificate
Credit Card Details
Credit Card Features
- Receive a $150 Restaurant.com Gift Certificate with first purchase
- 0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 2% automatically at gas stations and restaurants all year long*
- Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
Customer Rating
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| 0% | 3% of the amount of each transfer, with the 0% introductory APR balance transfer offer described above; otherwise, either $10 or 5% of the amount of each transfer, whichever is greater. | 10.99% - 20.99% (V)* (V) | $0 | Excellent - Good |
Chase Freedom® Visa Credit Card - $200 Bonus Cash Back
Credit Card Details
Credit Card Features
- Earn $200 Bonus Cash Back after you make $500 in purchases in your first 3 months
- 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12.
- You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
- Unlimited 1% Cash Back on all other purchases
- Up to an additional 10% Cash Back when you shop online at select merchants through Chase
- No annual fee and rewards never expire
Customer Rating
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| N/A | Either $5.00 or 3% of the amount of each transfer, whichever is greater. | 15.99% - 22.99% Variable | $0 | Excellent - Good |
Chase Freedom® MasterCard - $100 Bonus Cash Back + 0% Intro APR
Credit Card Details
Credit Card Features
- Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
- 0% Intro APR for 12 months on balance transfers and 6 months on purchases
- 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12.
- You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
- Unlimited 1% Cash Back on all other purchases
- Up to an additional 10% Cash Back when you shop online at select merchants through Chase
- No annual fee and rewards never expire
Customer Rating
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| 0% | Either $5 or 3% of the amount of each transfer, whichever is greater. | As low as 11.99% Variable | $0 | Excellent - Good |
Discover® More Credit Card - 18 Month Promotional Balance Transfer
Credit Card Details
Credit Card Features
- 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- $0 Fraud Liability plus automatic mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
Customer Rating
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| 0% | 3% of the amount of each transfer, with the 0% introductory APR balance transfer offer described above; otherwise, either $10 or 5% of the amount of each transfer, whichever is greater. | 10.99% - 20.99% (V)* | $0 | Excellent - Good |
Discover More Credit Card
Credit Card Details
Credit Card Features
- 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- $0 Fraud Liability plus mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
Customer Rating
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| 0% | 3% of the amount of each transfer, with the 0% introductory APR balance transfer offer described above; otherwise, either $10 or 5% of the amount of each transfer, whichever is greater. | 10.99% - 20.99% (V)* | $0 | Excellent - Good |
Chase Ink℠ Classic Business Credit Card
Credit Card Details
Credit Card Features
- 25,000 bonus points after you spend $5,000 in the first 3 months!*
- 5X points per dollar on the first $25,000 spent annually on office supply store purchases, cellular/landline phone service, and cable services*
- 2X points per dollar on the first $25,000 spent annually on gas and dining*
- 1 point per dollar on all other card purchases with no limit on the amount you can earn*
- Cash back rewards do not expire
- 0% Introductory APR for 6 months*
- No Annual Fee
Customer Rating
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| 0% | Either $5 or 3% of the amount of each transfer, whichever is greater. | 13.24% | $0 | Excellent - Good |
Chase Sapphire℠ Preferred Card
Credit Card Details
Credit Card Features
- Limited Time Offer! - Earn 50,000 bonus points after you spend $3,000 in the first 3 months- that's $625 toward travel!
- 2 points per dollar spent on travel and dining & 1 point per dollar spent on all other purchases.
- Use 20% fewer points when you redeem for travel. Just book your flight, cruise, or other travel through Ultimate RewardsSM
- No foreign transaction fees
- Earn a 7% annual points dividend - even on points already redeemed
- Transfer points you've earned to participating frequent traveler programs at a 1:1 value
- 24/7 direct access to expert service advisors (No voice recording)
- No Annual Fee for your first year - A $95 value
Customer Rating
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| N/A | Either $5 or 3% of the amount of each transfer, whichever is greater. | 15.24% Variable | $95 | Excellent - Good |
Starwood Preferred Guest® Business Credit Card from American Express OPEN
Credit Card Details
Credit Card Features
- Earn up to 25,000 Starpoints® – Receive 10,000 Starpoints after your first purchase, and another 15,000 bonus Starpoints when you spend $5,000 in 6 months – enough for up to 6 free nights at a Category 1 or 2 hotel.
- Redeem Starpoints at over 1,000 hotels and resorts in nearly 100 countries, and for flights on more than 350 airlines through SPG Flights. No blackout dates.
- $0 introductory annual fee for the first year, then $65
Customer Rating
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| N/A | No | 15.24% - 19.24% Variable | $65* | Excellent - Good |
Blue Cash Everyday(SM) Card from American Express
Credit Card Details
Credit Card Features
- Earn a $100 cash back bonus after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
- 0% intro APR on purchases for 12 months, flexibility to pay over time
- Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
- NO spend minimum, NO enrollment, and NO rotating rewards categories
- Get a $25 Referral Bonus for each friend or family member who is approved for the Card
- No annual fee, flexibility to pay over time
Customer Rating
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| 0% | Either $5 or 3% of the amount of each transfer, whichever is greater. | 17.24%-22.24% Variable | $0 | Excellent - Good |
Blue Sky from American Express(SM)
Credit Card Details
Credit Card Features
- No annual fee
- Travel rewards with no blackout dates or travel restrictions. Redeem with any airline, any car rental, any hotel - anytime
- Pay your bill all at once, or over time. It's up to you.
- Blue Savings Program: big deals on big brands, all the time
- Rated "Best Airline Credit Card" by Card Ratings Consumer's Choice Awards in 2010
- Get approved in 60-seconds
Customer Rating
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| 0% | No | 17.24%-22.24% Variable | $0 | Excellent - Good |
IberiaBank Visa® Gold Cash Back Rewards Card
Credit Card Details
Credit Card Features
- No annual membership fee
- Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00).
- Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
- Earn 1% in cash back credit on all qualifying purchases
- No limit on cash back; no expiration date on eligibility for accounts in good standing
- Travel accident coverage up to $500,000
- Online access to credit card account information
Customer Rating
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| 1.99% | 2% of transfer amount | 9.25, 12.25%, or 15.25%* | $0 | Excellent - Good |
IberiaBank Visa® Classic Card
Credit Card Details
Credit Card Features
- No Annual Membership Fee
- Low variable rate of 7.25%, 10.25%, or 13.25% (Prime + 4.00%, Prime + 7.00%, or Prime + 10.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00).
- Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
- Online Access to Credit Card Account Information
Customer Rating
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| 1.99% | 2% of transfer amount | 7.25%, 10.25%, 13.25%* | $0 | Excellent - Good |
IberiaBank Visa® Platinum Rewards Card
Credit Card Details
Credit Card Features
- No annual membership fee
- Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00).
- Low Introductory ARP on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
- Earn 1 bonus point for every $1 in qualifying net retail purchases
- Turn your points into hotel, gift, or experience rewards
- Travel accident coverage up to $1,000,000
- Online access to credit card account information
Customer Rating
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| 1.99% | 2% of transfer amount | 9.25%, 12.25%, or 15.25%* | $0 | Excellent - Good |
IberiaBank Visa® Select Card
Credit Card Details
Credit Card Features
- Introductory Rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on Purchases. (If there is an interest charge, the charge will be no less then $1.00). This rate will not change during the introductory period.
- Low Introductory APR on Balance Transfers of 1.99% for the first 12 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness.
- Low Ongoing Variable Rate APR after introductory period of 7.50%, 9.50%, or 11.50% (Prime + 4.25%, Prime + 6.25%, and Prime + 8.25%) based on your creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less then $1.00).
- Product Enhancements include: Auto Rental Collision Damage Waiver, Roadside Dispatch and Travel Emergency Services.
- Online access to credit card account information
- Low Annual Fee of $35.00.
Customer Rating
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| 0% | No | 7.50%, 9.50% or 11.50% | $35 | Excellent - Good |
Miles Credit Card By Discover® Card
Credit Card Details
Credit Card Features
- Earn up to $120 in travel rewards--1,000 Bonus miles every month you make a purchase for the first year
- 1 Mile on every $1 you spend - Plus flexible redemption options like travel credits, merchandise, gift cards or cash
- 0% intro APR on purchases and balance transfers for 6 months, then the variable standard purchase APR of 10.99% - 16.99%*
- No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
- Travel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover card
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
Customer Rating
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| 0% | 3% of the amount of each transfer, with the 0% introductory APR balance transfer offer described above; otherwise, either $10 or 5% of the amount of each transfer, whichever is greater. | 10.99% - 16.99% (V)* | $0 | Excellent - Good |
Escape Credit Card By Discover Card
Credit Card Details
Credit Card Features
- Earn up to $250 in travel rewards--1,000 Bonus miles every month you make a purchase for the first 25 months
- Double Miles on every $1 you spend
- 0% intro APR on purchases and balance transfers for 6 months, then the variable purchase APR of 10.99% - 16.99%*
- No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
- Flexible redemption options like travel credits, merchandise, gift cards or cash
- Travel Insurance benefits, including primary car rental, lost or damaged luggage, travel delay, and trip cancellation when you book with your Escape by Discover card
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- *Click apply to view rates, fees, rewards, limitations and other important information
Customer Rating
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| 0% | 3% of the amount of each transfer, with the 0% introductory APR balance transfer offer described above; otherwise, either $10 or 5% of the amount of each transfer, whichever is greater. | 10.99% - 16.99% (V)* | $60 | Excellent - Good |
Discover Motiva Credit Card
Credit Card Details
Credit Card Features
- Earn Cashback Bonus for your good credit management
- 0% Intro APR on purchases and balance transfers for 15 months, then the variable purchase APR of 10.99% - 20.99%*
- Up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
- Discover is ranked #1 in customer loyalty - 15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index Report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- $0 Fraud Liability plus mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rate, fees, rewards, limitations and other important information
Customer Rating
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| 0% | 3% of the amount of each transfer, with the 0% introductory APR balance transfer offer described above; otherwise, either $10 or 5% of the amount of each transfer, whichever is greater. | 10.99% - 20.99% (V)* | $0 | Excellent - Good |
TrueEarnings(R) Card from Costco and American Express
Credit Card Details
Credit Card Features
- American Express(R) Card and Costco Membership Card in one - with no annual fee for Costco members
- Cash back on the things you buy: 3% for the first $3,000 in annual gasoline purchases (1% thereafter), 2% for restaurants, 2% for travel, and 1% everywhere else, including Costco
- Rated 4.5 out of 5 stars in overall satisfaction by current TrueEarnings(R) Cardmembers from Costco and American Express
Customer Rating
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| 0% | No | 15.24% variable | No Annual Fee with your paid Costco Membership | Excellent - Good |
Citi® Platinum Select® MasterCard®
Credit Card Details
Credit Card Features
- 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.
- Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
- Citi® Identity Theft Solutions
- Secure, free online account management
- No annual fee*
Customer Rating
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| 0% | 3% of each balance transfer; $5 minimum. | 11.99% - 21.99%* (Variable) | $0* | Excellent - Good |
Citi® Hilton HHonors™ Visa Signature® Card
Credit Card Details
Credit Card Features
- Earn 40,000 Hilton HHonors Bonus Points after spending $1,000 within 4 months of account opening*
- Earn 6 HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton Worldwide portfolio.*
- Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.*
- Earn 2 HHonors Bonus Points for each $1 spent on all other purchases.*
- No annual fee.*
Customer Rating
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| N/A | Either $5 or 3% of the amount of each transfer, whichever is greater. | 14.24% variable or 16.24% variable* | $0 | Excellent - Good |
Citi® Diamond Preferred® Card
Credit Card Details
Credit Card Features
- 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.
- 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more
- Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass(R).
- Exciting deals and savings for great brands through Citi Specials
- $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
- No annual fee*
Customer Rating
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| 0% | 3% of each balance transfer; $5 minimum. | 11.99% - 21.99%* (Variable) | $0* | Excellent - Good |
Citi® Dividend Platinum Select® Card for College Students
Credit Card Details
Credit Card Features
- No Cosigner Required
- Earn 5% Cash Back on purchases at supermarkets, drugstores, gas stations, convenience stores & utilities (including cable) for 6 months; 1% thereafter*
- Earn at least 2% cash back in popular rotating categories like restaurants, apparel, hotel and more. Enrollment required*
- Earn a full 1% cash back on all other purchases*
Customer Rating
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| 0% | 4% of each balance transfer; $10 minimum. | 13.99% - 21.99%* (Variable) | $0* | Excellent - Good |
Citi Forward® Card
Credit Card Details
Credit Card Features
- $100 in gift cards - When you redeem the 10,000 bonus ThankYou© Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months
- 0% intro APR for 12 months on balance transfers and for 7 months on purchases. After that, 12.99% - 22.99% variable
- 5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchases
- Want to lower your purchase APR? All you have to do is make a purchase, stay under your credit limit, and pay on time 3 billing periods in a row and we will lower your APR for purchase by up to 2% (0.25% each quarter, 8X maximum)
- No Annual Fee
Customer Rating
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| 0% | 3% of each balance transfer; $5 minimum. | 12.99% - 22.99%* (Variable) | $0* | Excellent - Good |
Citi Simplicity® Card
Credit Card Details
Credit Card Features
- 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
- Peace of mind through direct access to a service representative, no late fees and no penalty rate
- No annual fee*
Customer Rating
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| 0% | 3% of each balance transfer; $5 minimum. | 12.99% - 21.99% (Variable) | $0* | Excellent - Good |
Citi ThankYou℠ Preferred Card - 25,000 points - $250 in Gift Cards
Credit Card Details
Credit Card Features
- $250 gift card - When you redeem the 25,000 bonus ThankYou® Points received after $2000 in purchases within 3 months of account opening.
- Earn 1 point for every $1 you spend on all purchases
- Receive an anniversary bonus every year you're a cardmember
- No expiration and no limit on the points you can earn
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
- No annual fee*
Customer Rating
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| N/A | 3% of each balance transfer; $5 minimum. | 12.99% - 22.99%* (Variable) | $0* | Excellent - Good |
Citi ThankYou℠ Preferred Card - $100 Gift Card
Credit Card Details
Credit Card Features
- $100 gift card - When you redeem the 10,000 bonus ThankYou® Points received after $500 in purchases within 3 months of account opening.
- 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-22.99% based on creditworthiness*
- 5 ThankYou Points for every $1 you spend on purchases at gas stations, supermarkets and drugstores for 12 months and 1 point for every $1 you spend thereafter**
- No expiration and no limit on the points you can earn
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
- No annual fee*
Customer Rating
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| 0% | 3% of each balance transfer; $5 minimum. | 12.99% - 22.99%* (Variable) | $0* | Excellent - Good |
Citi ThankYou℠ Premier Card - Enough for $300 in Gift Cards
Credit Card Details
Credit Card Features
- $300 gift card - Redeem 30,000 bonus ThankYou® Points after $1,500 in purchases within 3 months of account opening
- 1 ThankYou Point for every dollar you spend on purchases
- Earn points for the miles you fly when you purchase a ticket with your Citi ThankYou Premier Card.
- No foreign transaction fees on purchases*
- Annual complimentary domestic companion ticket within the continental USA, when booked through our travel benefits provider, Spirit Incentives
- No points cap and no expiration of points
Customer Rating
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| N/A | 3% of each balance transfer; $5 minimum. | 13.99%-21.99%* (Variable) | See Terms* | Excellent - Good |
By clicking on any balance transfer credit card application link, you will be directed to that credit card issuer’s website. Their website contains a full listing of the terms and conditions that govern their balance transfer credit cards. It is important to review these terms and conditions, because while every attempt is made to present complete and accurate information here, the claims made on this page are for promotional purposes only. Any and all details, rules, and offers listed on the issuer’s website supersede claims made here. CreditQ.com has financial relationships with some of the cards mentioned here, and CreditQ.com may be compensated if consumers choose to apply for these links in the content, and ultimately sign up for them.
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