Citi just announced they are offering an increased balance transfer period for their premier balance transfer credit card. Intro APR Period: 0% APR for 21 months on balance transfers and 21 months on purchases. This balance transfer offer is a great opportunity to take advantage of 0% interest rates.
Those who qualify for a 21 month 0% balance transfer offer are in for a real treat – this hasn’t been available from most major credit card companies for several years now due to the effects of the economic crisis on the credit industry. But now that the dust is settling on the Credit CARD Act, it looks like some of the credit card companies are getting more competitive with their credit card offers – which means better offers for consumers!
Longest Balance Transfer Offers – 21 Months
Citi currently offers two credit cards with a 21 month 0% balance transfer offer. Here are the cards and their features:
Great For: Balance Transfers, Rewards
Annual Fee: None
- Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 12.24%-22.24% based upon your creditworthiness.*
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
- Citi Easy Deals(SM) Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
- Let our 24/7 concierge service help book your hotel rooms, flights and more.
- $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
- No annual fee*
Great For: No Late Fees, No Penalty Rate
Annual Fee: None
- 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
- No late fees - EVER
- No penalty rate - EVER
- No annual fee - EVER
- Save time when you call with fast, personal help, 24 hours a day.
Which card is better? The decision comes down to what you are looking for. The key is to run the numbers and determine which benefits are most important to you – a longer 0% intro, cash back, rewards program, no annual fees, no penalties for late payments, or other perks.
With the credit card market opening up and becoming more competitive, it makes sense to get a card that will give you more benefits as a consumer. Find the credit card that meets your needs.
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