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0% APR Balance Transfer Card – Longest Intro Offer?

by Ryan Guina

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Are you looking for a 0% balance transfer credit card or a credit card that features 0% APR on purchases? The Citi® Platinum Select® Card may be the card for you!

Citi just announced they are offering an increased balance transfer period for their premier balance transfer credit card.  Intro APR Period: 0% APR for 18 months on balance transfers and 18 months on purchases, based on your application. This tiered balance transfer offer is a great opportunity to take advantage of 0% interest rates.

Those who qualify for the longest transfer period of 18 months are in for a real treat – an 18 month 0% balance transfer offer hasn’t been available from most cardholders for almost 2 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 (big changes went into effect on Feb 22), 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 – 18 Months

Citi® Diamond Preferred® CardThe Citi® Diamond Preferred® Card features one of the longest intro balance transfer offers on the market, with a 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.* The reasonable interest rate makes this a good low interest credit card if you fit into the lower reaches of the interest rate range. There is a balance transfer fee of either $5 or 3% of the amount of each transfer, which is about standard for the industry. This Citi card features Citi® Easy DealsSM, which is a no fee program that gives you special access to online discounts. You can earn Citi Easy Deals Points for the purchases you make with your card, then redeem your points for great online deals on name-brand merchandise, gift cards and even local deals. Card holders also receive access to a 24/7 concierge service help book your hotel rooms, flights and more. There is $0 liability on unauthorized purchases and access to Citi® Identity Theft Solutions. This card has no annual fee*. Apply for the Citi® Diamond Preferred® Card.

Citi Simplicity® CardThe Citi Simplicity® Card features a 0% Intro APR on purchases and balance transfers for 18 months. This is a market leader, and by itself is enough to make this an attractive card. But this card also has a special feature I’ve not seen on any other credit card – no late fees or penalty rate hikes if you miss a payment. After the 0% intro APR, the variable APR will be 12.99% – 22.99% based on your creditworthiness. There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. There is no annual fee. This card is one of the better options for consolidating credit card debt. Apply for the Citi Simplicity® Card.

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, 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.

Advertising Disclosure: This page contains advertisements. This page does not include all available credit card offers from all advertisers (that would be literally hundreds, if not thousands of credit cards). This credit card review was not reviewed by, endorsed, paid for, or approved by Citi or any other credit card issuer. All opinions, reviews, and recommendations reflect the author’s honest opinions, beliefs, and experiences. We receive compensation from our advertisers. Compensation impacts how and where products appear on this site (including for example, the order in which they appear). Back to Top.

Published or updated October 6, 2014.
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{ 2 comments… read them below or add one }

1 myfinancialobjectives

Wow that’s a great deal, 0% on transfers too is huge in my opinion. It’s rather ironic that you posted this topic, I just posted a topic about the exact opposite: Negative new policies and terms Credit Card companies are doing due to the Credit CARD Act. I got the information from MarketWatch (

Nonetheless, this is still this is great news! Hopefully more companies follow!


2 Ryan

MFO, There are a lot of card companies that are using variable terms and other unfavorable conditions for new card holders. However, I only linked to cards in this article that are upfront about the conditions. When you apply you know more or less what you will be getting, and how much it will cost in terms of fees. For example, the card featured in this article has a 3% balance transfer fee, but no annual fees.


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