Apply Now on Citibank's website
Recommended FICO® Score1 Rating
Good - Exceptional
Rewards

N/A*

Annual Fee

$0*

Intro APR

0% on Purchases and Balance Transfers for 18 months*

Ongoing APR

15.74% - 25.74%* (Variable)

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Balance Transfer

0% Intro APR on Balance Transfers for 18 months*

Card Details
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee... EVER
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day - just say "representative"
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month
Rates and Fees
Apply Now

on Citibank's website

Pros:
  • No late fees
  • No annual fee
  • 0% intro APR on purchases and balance transfers for 18 months
Cons:
  • No rewards