Best Balance Transfer Credit Cards

400+ credit cards reviewed by our team of experts

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Citi® Diamond Preferred® Card

Our rating:3.9

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Rewards rate

Card without rewards: This card doesn't offer cash back, miles, or points

Intro offer: No current offer

Annual fee: $0

Regular APR: 16.49% - 27.24% (Variable)

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Highlights

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 16.49% - 27.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
Get free access to your FICO® Score online.
With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
No Annual Fee - our low intro rates and all the benefits don’t come with a yearly charge.

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% for 12 months on Purchases
Regular APR: 16.49% - 27.24% (Variable)
Intro Balance Transfers APR: 0% for 21 months on Balance Transfers

Citi Double Cash® Card

Our rating:4.1

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Rewards rate

2%: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
5%: Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.

Intro offer: $200 cash back Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Annual fee: $0

Regular APR: 17.49% - 27.49% (Variable)

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Highlights

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% - 27.49%, based on your creditworthiness.
Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
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).

Rates & Fees

Annual Fee: $0
Intro Purchase APR: N/A
Regular APR: 17.49% - 27.49% (Variable)
Intro Balance Transfers APR: 0% intro for 18 months on Balance Transfers

Best Balance Transfer Credit Cards

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Citi® Diamond Preferred® Card

Rewards rate

Highlights

Rates & Fees

Citi Double Cash® Card

Rewards rate

Highlights

Rates & Fees

Best Balance Transfer Credit Cards

Why Trust CreditCards.com

Filter by

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Citi® Diamond Preferred® Card

Rewards rate

At A Glance

Citi Double Cash® Card

Rewards rate

At A Glance