Update: The following Citi holiday promotion has ended. If you’re in the market for a top notch balance transfer credit card, check out our list of the best credit cards offering a 0% intro APR on balance transfers.Here’s another nice 0% interest balance transfer offer – it is a holiday promotion, but any time is a good time to pay down your balances even faster with less interest! The Citi® Diamond Preferred® Card now gives you 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness*. Now, there is a balance transfer fee of either $5 or 3% of the amount of each transfer. No annual fee.
Comparing this with the other best no fee 0% APR balance transfer offers, the Chase Slate® mentioned earlier has $0 balance transfer fee. Transfer a balance during the first 60 days your account is open, and as an introductory offer you will pay no balance transfer fee!*. If your balances are less than or around $7,000 you would get six more months at 0% with the Diamond Preferred over the Slate. If your balances are higher and/or you plan on paying them offer within a year, then the Slate would work out better.
Which reminds me… Citibank balance transfers are the easiest to get in the form of a check sent directly to you. I just confirmed in my Citi account and here is a screenshot to show what to look for.
*Online purchases are coded differently than physical locations where you swipe your card – even paying your cable bill online or auto insurance online counts.
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